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Adjustable Timing Pointer
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 Proform S.B. Chevy Adjustable 7" Billet Timing Pointer  US $46.14
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 Summit Racing Timing Pointer Billet Aluminum Black Adjustable 8" Balancer SBC EA US $36.90
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In order for a housing bubble to form, three conditions must be in place:
1. Prices are too high compared to historical averages.
2. Banks are too eager to give credit to those who may not be able to afford it.
3. Government policy allows people to get in over their heads (i.e. Zero down/40 year mortgages).
Analysts Kate Warne and Craig Fehr feel the first two ingredients are in place and in order to avoid the third, the Federal Government is taking steps to tighten mortgage availability. Although it seems Canada mirrors our neighbours to the south in all things financial (albeit with a slight delay), it is hoped we will not follow in their footsteps in regards to the bursting housing bubble.
Certain regions of the country seem to be more vulnerable to a bubble burst than others. Vancouver, BC has been engulfed in frenzy of real estate activity and is leading the pack when it comes to fulfilling the first of the three conditions noted above. In the last year the market has seen a 14% increase in home prices, propelling the average home close to the $1 million mark; that makes the beautiful West Coast city the most expensive market in North America.
Recent stats indicate that home sales for June in Vancouver have dropped over 30% compared to last year's numbers. Vancouver is not alone as Toronto saw a drop of 23% and Calgary is showing a decrease of close to 40% for the same time frame. In order to combat these figures, prices will have to come down significantly. The government has tightened lending regulations making it harder to obtain a mortgage (helping avoid condition #3); however, this move, combined with climbing interest rates, will spell disaster for those homeowners that bought high with variable rate mortgages that will soon come due. These unfortunate souls will soon find themselves with mortgages that are far greater than the value of their properties; properties they could not really afford in the first place.
Until now Canada has had a very low mortgage default rate compared to the U.S: less than 1/2 % vs. close to 4%, but this could soon change for the worse if prices continue to drop and interest rates keep crawling up. The fear here lies in the viscous circle that is created, as evidenced south of the border, when foreclosure rates increase. More foreclosures on the market mean lower overall house prices, and lower prices mean more defaulted mortgages(can you hear the bubble stretching?).
Tighter regulations and higher borrowing rates will prevent future home buyers from getting in over their heads, but are the new policies going to be able to prevent a true bubble burst, or are we destined to follow in our neighbours' path. Let's keep our fingers crossed!
For information about Calgary luxury homes for sale, visit JoeSamson.com. The site is an excellent resource for searching any type of Calgary real estate.
Increase Your Mouse Pointer Speed to Get Things Done Faster
A simple technique to increase your productivity is to increase your mouse pointer speed. Increasing your mouse pointer speed will save you a few seconds each time you move your mouse. But those few seconds can add up to a lot.
During the day when you're working on your computer, you probably move your mouse thousands of times across the screen. Let's say that increasing your mouse pointer speed saves you 1 second each time you move it. If you move your mouse 1,000 times, you'll save about 17 minutes. If you move your mouse 3,000 times, you'll save 50 minutes.
Instead of spending that time moving your mouse, you can put those minutes to better use. You can use that time to get more work done. Or you can have more time to relax and have fun.
When you first increase the speed of your mouse, it'll feel awkward at first. It might feel too fast. But after a while, you'll get used to it. And having a faster mouse speed will feel normal.
If it still feels too fast, you can gradually work your way up to faster speeds. Once you feel you've mastered a speed, increase your mouse speed by a notch. Then after you've mastered that speed, increase your mouse speed by a notch again.
To change your mouse pointer speed, you'll have to go to the Control Panel (if you use Windows) and select “Mouse.” There should be a setting where you can adjust the mouse speed. On my computer, the setting is found in the “Pointer Options” tab.
About the Author
Want more time management tips?
Go here now to download your FREE report "12 Ways to Successful Time Management": http://www.supertimetips.com/
Francis Lui has been learning and applying time management techniques for at least 8 years.
How to remove iron railing from a concrete staircase?
I am planning on havening my concrete stair case in front on my house redone in stone. I have some friends of the family who are masons that are willing to do the work but need me to remove the iron railings. The railings seem to just be bolted on with some type of square head bolt. They are rusted and have no idea how I will remove them. Fist off will they even screw off before I waste my time or is it some type of stake with a square top that just gets cemented? If it should screw off what tool would work best? I just tried for a second to use an adjustable wrench but when I pushed since the bolt head is so old and rusted the wrench just slipped off and started to strip the head. I don't now what to do any pointers and how to approach this?
There is also I place near by that sand blasts and paints the rails so I want to have that done, which is another reason I need to take them off.
I would suggest cutting the head off the bolts with a sawsall. This would allow removal of the railing and better access to the bolt that remains. This could be removed from the anchor that it screws into with a pipe wrench or large pair of channel lock pliers.
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