Free Home Appraisal Calculator - How to Use Them and Where to Find One

Using a free home appraisal calculator online could save you a lot of money when trying to sell or buy your next home. The question is where can you find one and how do you use it once you do find one. This article will explain where to find a free home appraisal calculator and how to use the appraised value of your home to your advantage.

If you are trying to sell your home in this buyer's market then you must know how much your property is really worth. Many people list their home for sale not knowing how to price it properly. You want to price your home slightly less than the market value. This will generate more buyer traffic and hopefully get you multiple offers. Using one of the free online appraisal tools is a good idea if you need a ball park figure. There are a few recommended sites that I use to get my estimates. These sites are easy to use and only take a few seconds. The estimate they provide is usually based on historical sale data. All you do is enter your address and a little info about the home and in a few moments you will have a reasonable value.

Another method is to use a realtor. Ask several experienced real estate agents to give an appraisal. Most agents will do this for free in hopes of getting your listing. Make sure they know your neighborhood and they understand you want to sell the home fast.

Free Home Appraisal Calculator - How to Use Them and Where to Find One

Once you know the value of your home you can price it correctly. I recommend pricing the home about one to two percent less than the calculated value. Use these free tools and price your home right, and you might just sell your home a little faster.

Free Home Appraisal Calculator - How to Use Them and Where to Find One
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Free Home Appraisal Calculator - Get a free home appraisal at one of our recommended sites. Also get experienced real estate agents in your area to bid for your business at http://www.free-home-appraisals.info. These are great ways to save money when selling or buying your next house.

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Which is the Easiest Language to Learn? Rating the 14 Most Popular Course Offerings

Which is the best language to learn? Which is the easiest?

Two different questions, often uttered in the same breath. But that's okay, because there will be only one answer. Whichever language you wholeheartedly choose to study will be both the best and the easiest. However, here's some help choosing.

The choices.

Which is the Easiest Language to Learn? Rating the 14 Most Popular Course Offerings

Here is the Modern Language Association's 2002 list of the most commonly studied languages at university level in the United States. I have not included ancient languages like Latin, Biblical Hebrew, or Sanskrit, special purposes languages like American Sign Language, or U.S. heritage languages, like Hawaiian or Navajo since the choice of those languages follows a different dynamic:

1. Spanish
2. French
3. German
4. Italian
5. Japanese
6. Chinese
7. Russian
8. Arabic
9. Modern Hebrew
10. Portuguese
11. Korean
12. Vietnamese
13. Hindi/Urdu
14. Swahili

Difficulty, according to Uncle Sam

First, consider some cold facts. The U.S. State Department groups languages for the diplomatic service according to learning difficulty:

Category 1. The "easiest" languages for speakers of English, requiring 600 hours of classwork for minimal proficiency: the Latin and Germanic languages. However, German itself requires a bit more time, 750 hours, because of its complex grammar.

Category 2. Medium, requiring 1100 hours of classwork: Slavic languages, Turkic languages, other Indo-Europeans such as Persian and Hindi, and some non-Indo-Europeans such as Georgian, Hebrew and many African languages. Swahili is ranked easier than the rest, at 900 hours.

Category 3. Difficult, requiring 2200 hours of study: Arabic, Japanese, Korean and the Chinese languages.

Will you get a chance to practice this language?

Now, consider another important factor: accessibility. To be a successful learner you need the chance to hear, read and speak the language in a natural environment. Language learning takes an enormous amount of concentration and repetition, which cannot be done entirely in the classroom. Will you have access to the language where you live, work and travel?

The 14 most popular courses according to a combination of linguistic ease and accessibility.

1. Spanish. Category One. The straightforward grammar is familiar and regular. It is also ubiquitous in the Americas, the only foreign language with a major presence in the insular linguistic environment of the U.S. Chances to speak and hear it abound. It is the overwhelming favorite, accounting for more than fifty percent of language study enrollment in the MLA study.

2. French. Category One. Grammatically complex but not difficult to learn because so many of it's words have entered English. For this vocabulary affinity, it is easy to attain an advanced level, especially in reading. It is a world language, and a motivated learner will find this language on the internet, in films and music.

3. German. Category One Plus. The syntax and grammar rules are complex with noun declensions a major problem. It is the easiest language to begin speaking, with a basic vocabulary akin to English. Abstract, advanced language differs markedly, though, where English opts for Latin terms. It values clear enunciation, so listening comprehension is not difficult.

4. Italian. Category One. It has the same simple grammar rules as Spanish, a familiar vocabulary and the clearest enunciation among Latin languages (along with Romanian). Italian skills are easily transferable to French or Spanish. You might need to go to Italy to practice it, but there are worse things that could happen to you. It is also encountered in the world of opera and classical music.

5. Russian. Category Two. This highly inflected language, with declensions, is fairly difficult to learn. The Cyrillic alphabet is not particularly difficult, however, and once you can read the language, the numerous borrowings from French and other western languages are a pleasant surprise. It is increasingly accessible.

6. Arabic. Category Three. Arabic is spoken in dozens of countries, but the many national dialects can be mutually incomprehensible. It has only three vowels, but includes some consonants that don't exist in English. The alphabet is a formidable obstacle, and good calligraphy is highly valued and difficult to perfect. Vowels are not normally written (except in children's books) and this can be an obstacle for reading. It is ubiquitous in the Muslim world and opportunities exist to practice it at every level of formality.

7. Portuguese. Category One. One of the most widely spoken languages in the world is often overlooked. It has a familiar Latin grammar and vocabulary, though the phonetics may take some getting used to.

8. Swahili. Category Two Minus. It includes many borrowings from Arabic, Persian, English and French. It is a Bantu language of Central Africa, but has lost the difficult Bantu "tones". The sound system is familiar, and it is written using the Latin alphabet. One major grammatical consideration is the division of nouns into sixteen classes, each with a different prefix. However, the classes are not arbitrary, and are predictable.

9. Hindi/Urdu. Category Two. The Hindustani language, an Indo-European language, includes both Hindi and Urdu. It has an enormous number of consonants and vowels, making distinctions between phonemes that an English speaker will have difficulty hearing. Words often have clipped endings, further complicating comprehension. Hindi uses many Sanskrit loans and Urdu uses many Persian/Arabic loans, meaning that a large vocabulary must be mastered. Hindi uses the phonetically precise Devanagari script, created specifically for the language. Predictably, Urdu's use of a borrowed Persian/Arabic script leads to some approximation in the writing system.

10. Modern Hebrew. Category Two. Revived as a living language during the nineteenth century, it has taken on characteristics of many languages of the Jewish diaspora. The resultant language has become regularized in grammar and syntax, and the vocabulary has absorbed many loan words, especially from Yiddish, English and Arabic. The alphabet has both print and script forms, with five vowels, not normally marked. Vowel marking, or pointing, is quite complex when it does occur. Sounds can be difficult to reproduce in their subtleties and a certain amount of liaison makes listening comprehension problematic. It is not very accessible outside of a religious or Israeli context.

11. Japanese. Category Three. Difficult to learn, as the vocabulary is unfamiliar, and the requirements of the sound system so strict that even the many words that have been borrowed from English, French and German will seem unrecognizable. With three different writing systems, it is forbiddingly difficult to read and write. Also, social constraints may impede useful interaction.

12. Chinese. Category Three. Whether your choice is Mandarin or Cantonese (the MLA survey does not make a distinction, oddly enough). It is the most difficult language on this list. It includes all of the most difficult aspects: unfamiliar phonemes, a large number of tones, an extremely complex writing system, and an equally unfamiliar vocabulary. Personal motivation is absolutely essential to keep the student on track. On the positive side, it is easy to find, since Chinese communities exist throughout the world, and Chinese language media, such as newspapers, films and TV, are present in all these communities.

13. Vietnamese. Category Three. This language belongs to an unfamiliar family of languages, but it does borrow much vocabulary from Chinese (helpful if you already speak Chinese!). It has six tones, and a grammar with an unfamiliar logic. It's not all bleak, however, Vietnamese uses a Latin derived alphabet. The chances of speaking this language are not high, though there are 3 million speakers in the USA.

14. Korean. Category Three. Korean uses an alphabet of 24 symbols, which accurately represent 14 consonants and 10 vowels. However, the language also includes 2000 commonly used Chinese characters for literary writing and formal documents. Speech levels and honorifics complicate the learning of vocabulary, and there is liaison between words, making them hard to distinguish. The grammar is not overly complicated and there are no tones. It borrows many Chinese words, but the language is unrelated to other languages of Asia.

The most important factor of all: personal motivation

The third, most important factor is up to you. The easiest language to learn is the one that you are most motivated to learn, the one you enjoy speaking, the one with the culture that inspires you and the history that touches you spiritually. It is useless to try to learn a language if you are not interested in the people who speak it, since learning a language involves participating in its behaviors and identifying with its people.

So, consider all three factors: motivation, accessibility and linguistic ease, in that order, and come up with the final list yourself. The bad news is that no language is really easy to learn, but the good news is that we humans are hard wired for a great amount of linguistic flexibility, as long as we know how to turn on the learning process. If the rewards and benefits of the language are clear to you, you will be able to get those rusty language synapses sparking in your head and start the words rolling. Bonne chance!

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Dominic Ambrose has taught languages for over twenty years, from Middle School to Community College, from adult ed to ESL to TOEFL training. He has also traveled as a teacher educator to many Eastern European countries as well as South America, including three years with the Romanian Ministry of Education. Presently, he lives in Paris writing full time, mostly about film and fiction, but he is still fascinated by languages. To see his blog, click on the link: http://dominicambrose.wordpress.com

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History of the Celtic Druids

The Druids were an ancient order of Celtic priests in the societies of Western Europe, Britain and Ireland. The Celtic Druids served their communities by combining the duties of seer, priest, poet, philosopher, historian, scholar, teacher, doctor, astronomer and astrologer. The Celts had developed a highly sophisticated religious system, with three divisions of men who were held in exceptional honor; the lowest division were called the Ovates, the second division were called the Bards and then the Druids. The ovates were the healers and seers; the bards memorised the songs, poems, and stories of the tribe (historians); while the druids taught moral philosophy and were experts in the workings of natural science.

The Celtic Druids were advisers to the rulers of that time, acted as judges in the event of disputes, supervised executions and even controlled the legal system. They were held in such respect that if they intervened between two armies they could stop the battle. The Druid priests and priestesses acted as mediums through which the spirits could be summoned and heard, with rituals throughout the history of the Celtic Druids being enacted in sacred groves of oak trees and circles of standing stones

The first surviving and fullest account of the druids and their religion is that given by Julius Caesar in his Commentarii de Bello Gallico, book VI, written in Gaul in 59-51 BC. Overall, not much can be said of the druids with assurance as the sources of information about them is limited. However they continued to feature prominently in later sources of Irish myth and literature. Thus, the history of the Celtic Druids presents many obscurities and our main literary sources date back to the 2nd century BC with Pliny and The Commentaries of Caeser.

History of the Celtic Druids

"The principal point of their doctrine", Caesar wrote, "is that the soul does not die and that after death it passes from one body into another."

Caesar continued:

"With regard to their actual course of studies, the main object of all education is, in their opinion, to imbue their scholars with a firm belief in the indestructibility of the human soul, which, according to their belief, merely passes at death from one tenement to another; for by such doctrine alone, they say, which robs death of all its terrors, can the highest form of human courage be developed. Subsidiary to the teachings of this main principle, they hold various lectures and discussions on astronomy, on the extent and geographical distribution of the globe, on the different branches of natural philosophy, and on many problems connected with religion".
-Julius Cesar, "De Bello Gallico", VI, 13

After the first century BC the continental druids disappeared entirely and were referred to only on very rare occasions. However, there is some evidence that the druids of Ireland survived into the mid- to late-seventh century. In the De Mirabilibus Sacrae Scripturae of Augustinus Hibernicus, there is mention of local magi who teach a doctrine of reincarnation in the form of birds.

During the first millennium, Celtic and Druid spirituality was preserved by the Christian clerics who performed the valuable service of recording many of the stories and myths by which the oral teachings of the Druids were conveyed. People who think that Druidry was destroyed with the coming of Christianity fail to understand the resilience of spiritual teachings when they are encoded in myths and stories: and it is thanks to the clerics' recording of these tales that we can be inspired by them today. St Patrick also recorded all of the old Druid laws in Ireland - providing us with invaluable information on the ethics and social structure of Celtic Druid culture.

DRUID'S CIRCLES
A Druid's Circle is a popular name for circles of standing stones such as Stonehenge, which is the most famous example. These are also known as the "Temples of the Druids". Great mounds of earth were also built where the practice of seeking rebirth within the Earth was performed (in which initiates would sit in darkness awaiting the time of their rebirth). The best example of this is found at New Grange in Ireland, where a shaft is oriented to the Winter Solstice sunrise, so that the dawn rays can bathe the initiate in sunlight after his or her vigil through the night.

History of the Celtic Druids
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Irish Astrology is about bringing awareness of the Celtic Symbols used in the Druid belief system. They were used as early as the Vedic, Greek, or Roman systems. Click here for more info on Celtic Symbols and here for lovely Free Screensavers

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How to Start A House Cleaning Business In 7 Simple Steps

One of the main reasons people start businesses is to make money. For some it's a blessing to make money doing something they love. I'm not saying that you have to love house cleaning in order to have a successful house cleaning business; however it would be a good idea if you didn't hate it.

How much money you make depends on how big you want your business to be. It could be a one person operation where you set up at home and service areas close to home, or you could set up a commercial office and hire people to work for you.

Here are 7 simple steps to get you started on your own house cleaning business.

How to Start A House Cleaning Business In 7 Simple Steps

1) Decide exactly what kind of house cleaning services you will offer.

Here you decided what cleaning you will do, like making beds, vacuuming, mopping and waxing floors, dusting and so on. Also note what you won't do, e.g. laundry. You can also decide to specialize, e.g. by cleaning carpets only, or cleaning suspended ceilings only.

2) Pricing your housecleaning service.

To have an idea of how to charge for your housecleaning service, use your competition. Check your telephone directory and the classified ads section in your local newspapers for cleaning businesses, call them up (pretend to be a prospective client) and find out exactly what cleaning services they offer and how much they charge. With this information gathered decide the best price to charge for your cleaning service.

3) Workout startup costs.

For this you need to consider, tools, material, transport, advertising, insurance etc. Write down a list all the tools and material you need, like cleaners, sponges, mops, carpet cleaning equipment etc. Next find out the cost of each item on the list and write it down next to the item.

Transport: you will have to estimate your costs here. You see it depends on where your client is located and your means of transportation to get to your client. (Having your own vehicle would be to your advantage).

Advertising: You can use free advertising (word of mouth) and paid advertising (classifieds, telephone directory ads etc). Phone calls to your local newspaper and the telephone company who publish your telephone directory will tell you the cost of placing ads.

Once you've gathered all this information, calculate your total startup costs.

4) Name your business.

Choosing an appropriate name for your house cleaning business is important. Here are a few examples I got of the internet, 'Maid Brigade', 'All Shine Cleaning', 'White Glove Cleaning Service'. Please avoid using 'Your Name Cleaning Services'. Using your own name as part of your business name is over done by many house cleaning businesses. Brainstorm and come up with a name that helps you stand out of the crowd.

5) Learn the zoning regulations of your community.

Check the city clerk's Office or your local library for a copy for a copy of the zoning laws governing your community. Your reason for doing this is that some zoning regulations prohibit home businesses in a community.

6) Do a few free cleaning jobs.

Well you're not actually doing them for free. You're doing them in exchange for references (these add to your credibility for future paying clients and are invaluable). You can offer these free cleaning jobs to friends, non profit organizations in your communities etc.

7) Get your first paying client then get another and another and another and so on.

Tell everyone you know that you've started a cleaning business and place ads in the local newspapers. In the beginning you need to spend most of your time and money getting paying clients. However, the more clients you get the less time and money you spend on marketing and more time you spend on cleaning and making your clients happy.

This is just the beginning. Once you start making money take a house cleaning business course to help you better manage your business in terms of growth, accounting, taxes, insurance better marketing strategies and more.

--

You have permission to publish this article electronically or in print, free of charge, as long as the bylines are included. A courtesy copy of your publication would be appreciated. fayolap@yahoo.com

How to Start A House Cleaning Business In 7 Simple Steps
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Fayola Peters is the webmaster of housecleaning-tips.com. To find more information about a house business cleaning course check out her website at http://www.housecleaning-tips.com.

fayolap@yahoo.com

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10 Interesting Things About Antarctica

Antarctica is perhaps the most mystical of all the continents and also the most misunderstood. Here are 10 things about Antarctica you should know.

Antarctica and the Arctic often are confused by many people. Antarctica is the land mass at the South Pole - the one with the cute penguins you see in the movies. There are tons of interesting things to know about Antarctica, but here are 10 you may not.

1. Antarctica is the coldest and windiest of all the continents.

10 Interesting Things About Antarctica

2. To the surprise of many, Antarctica is also the driest of all the continents receiving a mere sprinkling of rain and snow once or twice a year.

3. Antarctica gets its name from the Greek language. In a bit of deviousness, the term because it means opposite the Arctic.

4. The continent was discovered in 1820 by a Russian expedition, but was not further explored to any serious extent for another 100 years.

5. No permanent human residents are known to have ever lived on the continent and even today only temporary scientific communities exist.

6. Antarctica, not the Sahara Desert, is technically the biggest desert in the world, but the desert is ice instead of snow.

7. The ice sheet covering the continent is approximately 1.6 miles thick on average and holds 90 percent of the fresh water on the planet in the form of ice.

8. The ice sheet was melting dramatically. In 2002, over 1,000 square miles broke off the continent. In recent years, unusual amounts of snow fall have resulted in a thickening of the ice contrary to global warming concerns.

9. The continent is the only natural habitat of the Emperor Penguin, immortalized in the movie March of the Penguins. The penguin, however, also is found on the shoreline of some southern continents from time to time.

10. The continent has no government and is not owned by any country. Many countries have claimed the continent at one time or another. Currently, a treaty exists that grants the continent its independence from any such claims.

All and all, Antarctica is an amazing place. Contrary to popular assumptions, it is one of the driest places on Earth, yet holds 90 percent of the fresh water on the planet. This contradiction is just one of many that arise when considering this amazing continent.

10 Interesting Things About Antarctica
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Richard Monk is with FactsMonk.com - a site with facts about everything including Antarctica.

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Facts about the Holocaust

The Holocaust began with Hitler's rise to power in January of 1933 and ended on VE Day (May 8, 1945). During this time, more than 6 million Jews and millions of other groups that caught the negative attention of Nazi Germany. While all the murders were devastating to native populations, none were so devastating than that of the Jews. During this period, 5,000 Jewish communities were wiped out and the total that died represented 1/3 of all Jewish people alive at that time.

Due to a series of events, Hitler assumed dictatorial powers in March 23, 1933 when the Enabling Act was passed. With total power available to him, he quickly developed a sophisticated police and military force and used them to squelch anyone who criticized his authority. From this authority stemmed the first concentation camp, Dachau, just outside of Munich which started as a political prison camp but evolved over time into a full scale Nazi concentration camp to exterminate Jews and others.

By the end of 1934, Hiter's campaign against the Jews was in full force. The Nazis weere claiming them to be mongrels who were corrupting the pure German race and persecutions of the Jewish grew in strength. Those who could, fled Germany to other European countries which gave them safety for a while.

Facts about the Holocaust

The next major event that led towards the widescale destruction of the Jews was the Meeting in July of 1938 where representatives of 32 countries met in the French town of Evian to discuss the refugee problems created by the Nazis - but since no conclusive action was taken, Hitler took that as defacto notice that no one would act against him while he worked to purge the Jews from his territories.

Germany started World War II with the invasion of Poland in September of 1939 and in 1940 established Jewish ghettos in Poland where they could be isolated from the rest of society and kept an eye on. Conditions in the ghettos were deplorable - not enough food, water, space, sanitation facilities, etc., and many died from the horrid conditions.

In June 1941, Germany attacked the Soviet Union and began the implementation of the Final Solution - the beginnings of the systemized destruction of the undesirables. At first they were just gathered up, shot and thrown into mass open graves. It is estimated that over 1 million people died in this manner. But it wasn't efficient enough so more and more death camps sprang up.

From this point, the Germans worked on more and more efficient ways to liquidate the undesirables by bringing them to death camps to systematically kill them and recycle any valuables for the war effort. And in this instance, a valuable was a healthy person - so the Germans would work the prisoners until they had no more energy to produce and then kill them. In effect, that had millions of slaves being forced to work to death to help the Germans in their war efforts.

This atrocity continued to the end of the war - with liberation not happening until July 1944 and later. In July 1944, the Soviet Union liberatated Maidanek concentration camp and then in January 1945 - Auschwitz concentration camp and so on until Nazi Germany was totally defeated and all peoples were freed.

All told, there were only about 200,000 Jewish survivors by the end of the liberation and the death counts from the holocaust were estimated to be around 6 million Jews and millions of other people who did not fit the Aryan mold.

Facts about the Holocaust
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The Historical Archive offers a large, robust library of DVD and CD based products covering a wide range of significant and interesting historical events and cultural moments through film, photos, audios, maps and other documents. This growing collection of DVDs and CDs covers the full range of significant events that have shaped our culture, entertainment values and history.

For more details on concentration camps, visit the NAZI Concentration Camps, Holocaust Camps & Death Camps Film Collection

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Golf Communities in Summerville, South Carolina

Many buyers interested in Summerville, SC real estate want to live either on a golf course or in a golfing community. The list of golf communities in the Summerville area is short - there are only three - especially compared to some of the other areas in Charleston. However, Summerville also has some of the most affordable homes in this category. After all, you cannot live on a golf course for under 0,000 anywhere else in Charleston! I've included the three communities below in order of popularity along with some more information about each.

Legend Oaks Plantation is usually the number one choice for home buyers because it has a wonderful selection of homes, most of which are newer. Condos start in the mid 0s, and houses start just under 0K. Current home prices go up to the low 0s. In addition to a golf course, Legend Oaks has other amenities including tennis, a swimming pool, and a club house. Although you'll find some homes built in the late 1990s, most of these were built from 2004 to 2009. As with most newer homes in Summerville, lot sizes range from about.2 to.3 acres.

Wescott Plantation is also popular, but some buyers feel that this community is too big. Wescott has townhouses in three of its subsections: The Abbey, The Orchards, and The Gates. Prices for these start in the low 0s. The neighborhood is mostly made up of single family homes, which start in the low to mid 0s and go up to the mid 0s. Almost all of the homes in Wescott Plantation were built after 2002. So, overall, this community has the newest selection of homes compared to the other two neighborhoods on this list. Only the single family houses are located on the golf course, and you'll find these in the subsections Heritage Park, Wescott Preserve, Birkdale, Pine Valley Village, and Wescott Glen. In addition to golf, Wescott Plantation also has a pool and a club house.

Golf Communities in Summerville, South Carolina

Pine Forest Country Club is the smallest of these three communities, but it still has a large selection of houses. Most of these homes were built from the 1990s to 2005, although there are currently a couple of new construction homes available as well. Pine Forest Country Club also has a Junior Olympic sized swimming pool, tennis, and a club house. The community's golf course is the most unique of these three I've discussed because of the land that it was built on. The land used to belong to the Hunt Club at Pine Forest Inn, which dates to 1891. The inn used to have a golf course that was one of the first seven golf courses developed in the United States. Although the current golf course at Pine Forest Country Club is a new design, the community still boasts this historic association.

Golf Communities in Summerville, South Carolina
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Learn more about Summerville SC real estate and search all Summerville real estate listings on the Charleston MLS!

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