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It's that time of year again. Everyone has had their New Year's parties Matt Murray Penguins Jersey , watched the ball drop (or whatever your tradition in your country or area), counted down ?10, 9, 8?2, 1, Happy New Year Derick Brassard Penguins Jersey ,? kissed their significant other, and ushered in another year with as much gusto as before. It is now 2006!


It's also time for making those things that we all make this time of year. Yes, I am talking about New Year's Resolutions. I have made mine and it is a little different this year. I say ?it? because I only made one this time. What is it? Well, I have decided?


?My 2006 New Year's Resolution is to Fail Miserably!?


What? Did I say Fail? Why? Surely, I don't want to fail miserably in 2006?


I know, I know; it doesn't make any sense to decide to fail this year. And you are right; I really don't want to or plan to fail in 2006 Phil Kessel Youth Jersey , that's why I made it my New Year's resolution. Are you with me now?


You don't need statistics or a history lesson to know that most people (and if they are really honest, all people) do not keep the greatest part of the resolutions made at the beginning of the year. Heck, some people are lucky to keep any of them. How many times have you heard, ?I plan to lose weight this year,? only to find them (or you, if that was your resolution) weighing the same or more in December Jack Johnson Youth Jersey , than they did in January?


This is my reasoning for choosing such an odd resolution for this New Year. I have no intention of keeping it. I am never able to keep my resolutions either. As a matter of fact, my year is starting off in exactly the opposite direction of my resolution and I hope to keep that trend up throughout the year. Yes, I am already breaking my 2006 resolution, on January 2. Now that's record time.


If you are in the process of making your resolutions for this year, I would seriously urge you to consider my thoughts for mine and build yours accordingly. This will allow you to start off on the right foot instead of having great intentions that get tripped up by great intentions'make sense? I am putting failure as my resolution and therefore only have ?upward? to go from there.


Now, please don't confuse resolutions with proper planning. My plan for the year allows no room for failure. My goals encompass success and profitability Patric Hornqvist Youth Jersey , among other things. These are things that I have control over and that I can choose to make happen. It is the resolution part that seems to be the most uncontrollable force of any New Year and it is the resolution that I have chosen to 'trick? into becoming controllable for me in 2006.


Here's to a happy and prosperous 2006 to you and yours! Happy New Year!

Whether you are a first time home buyer or a happy home owner who wants to refinance an existing home loan, there are some cardinal "dos" and "don'ts" to follow. For many, home ownership is the biggest investment in their lives and that could be the reason why some people act irrationally, as if they purposely want to sabotage the deal. Follow these simple rules and you will be sure to make your experience difficult and unpleasant, if not a complete disaster.

Don't get pre-approved or pre-qualified for a loan; lose your dream home to someone else.

Being pre-qualified shows some commitment on your part to both the mortgage broker and the seller. Being pre-approved is an even better step to take. The lender knows your financial standing and is able to present you with the loan deal. If you are neither pre-approved nor pre-qualified, a real estate agent representing the seller will not treat you seriously Evgeni Malkin Youth Jersey , and the property you want will most likely sell to someone else during the time you waste securing a home loan. Go ahead and procrastinate, you didn't want that house anyway.

Make verbal contracts only. Talk is not cheap.

Since they are not enforceable in most states, make sure that the details of the deal regarding who pays certain costs or necessary repairs are agreed on verbally, and only verbally. Similarly, when the lender tells you that your rate is locked in, don't ask for written evidence. You might be in for a big surprise at the closing appointment Kris Letang Youth Jersey , but who doesn't like surprises?

No need to be discriminating. Choose a lender by using only one criteria.

A favorite criteria of most people is to go with a bank that offers the lowest interest rate, without any consideration of the true cost of the loan. Even if you know how to calculate it, you'll probably choose the lowest rate loan. The chances are that the lowest rate bank is charging a lot more in fees and points than others, but who has time to shop around? Life is busy. Others, usually more cautious people, go with the bank where they have their checking account. After all Derek Grant Youth Jersey , your bank loves you and would not wish any financial harm, right?

Pay more than you should. Choose the seller's real estate agent to represent you.

It is truly the best option. Rather than asking friends or colleagues for referrals, picking up the yellow pages or searching online for your own agent, simply go with someone whose job it is to get the best deal for the seller. Who cares about conflict of interest. Be house poor.

No need for tedious professional home inspections.

After all, what could go wrong? Leaky roofs, plumbing problems Bryan Rust Youth Jersey , termites, asbestos; all a minor nuisance. If electrical problems happen to start a fire? well, that's what smoke detectors are for.

Don't bother reading important contracts. Just sign all documents.

They are long, difficult to read and understand and are very time consuming. Rather than familiarize yourself with them ahead of time, just wait and sign everything at your closing appointment. Besides, what you've signed may open the door to a world of surprising homeowner adventures you could never have imagined. More surprises for you to enjoy!
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