What is the difference between a real estate agent and a real estate broker? Experience, knowledge, longevity, and responsibility differentiate the two statuses. A real estate agent is dependent on the real estate broker in order to maintain his or her license and conduct business.
While I can only speak for Ohio, where my license is held, most other states have very similar requirements.
To become a real estate agent in Ohio, you must be at least 18 years of age, have no felony or criminal convictions, be sponsored by a real estate broker, complete the required coursework, and pass the licensing exam. If born after 1950, you must have received a high school diploma or equivalent.
The course work includes 40 hours of Real Estate Principals and Practices, 40 hours of Real Estate Law, 20 hours of Real Estate Appraisel, and 20 hours of Real Estate Finance. After completing the coursework you must pass the licensing exam to become licensed.
After receiving your license, you then have the legal right to complete real estate transactions, market and sell real estate, and work in the best interest of the client in real estate transactions. The agent works for a real estate broker, and all transactions are legally those of the broker. The commission on each sale is determined by an agreement made between the broker and the agent.
To become a real estate broker you must have been a licensed agent for at least 2 years and have completed 20 transactions. You must also take additional courses in Business Economics, Business Law, Financial Management, and Human Resource Management. Also required is the completion of 90 quarter hours at an accredited college or university. After passing the Broker's Exam, you receive your broker's license.
An agent who becomes a broker may or may not choose to open his or her own business. As a business owner, the broker has the ultimate responsibility for all contracts written by any agent whose license he or she holds. The contracts, both for listings and sales, are the property, and the responsibility, of the broker.
The broker provides space to conduct business, pays for advertising, office machines and supplies, postage and supplies, contract materials, marketing materials, and usually additional training through in-house forums and seminars. A broker shoulders the major financial burden of operating the business. Each agent is considered to be self-employed, and is responsible for taxes and fees individually.
In general, a real estate broker brings a more fully developed knowledge of the real estate industry and its rewards, trends, and pitfalls. Their experience over the years helps put each market change into perspective, and allows the broker to pass this knowledge on to the agents who work for him.
Saturday, February 16, 2008
Thursday, February 14, 2008
The Dangers of Mold in Your Home
The dangers of mold in your home have been well documented and publicized much lately. A 300% increase in cases of asthma in the last 20 years has been linked to the exposure to mold, as has the increase in respiratory infections and sinus infections. The young, the elderly, and others with suppressed immune systems (such as HIV-AIDS patients) are at higher risk to develop infections from mold.
Mold is everywhere. Over 50 molds are considered to be the cause of serious problems, including Stachbotry, more commonly known as "black mold". Mold can become a significant problem when it is exposed to water or high humidity (above 55%). Damp, dark areas with poor circulation allow the mold spores to sprout and spread. As a realtor, I have inspected many, many homes, and can almost tell immediately when mold is present. Since mold grows in dark places, it is not always readily visible, but you can small the musty odor immediately if it is present in the home. The odor usually is your first clue that a problem exists.
Mold spores grow on organic materials, such as carpet, wood, leather, sheetrock, and insulation. Mold can also be found growing along walls where cold air from the exterior comes in contact with an interior wall. Behind dressers, headboards, and in closets are prime places for mold growth.
If you find mold growing in your home, and the area it covers is less than 10 square feet, EPA guidelines allow you to clean it up yourself. For larger area, you need to call in a professional, which can be found in the Yellow Pages under "Fire and Water Damage Restoration".
To clean it up yourself, use protective gloves and goggles. Close off the room you are working in to limit the spread of airborne spores. Bag up and remove moldy materials and put them directly in the trash. Then wash the surface where the mold is growing with laundry detergent and warm water and allow it to dry thoroughly. You can also use a solution of 1/4 cup bleach to one quart of water, wash down the surface, let it dry, and repeat. After the area has dried thoroughly, apply a borate-based detergent solution and don't rinse. a borate-based detergent will list "borate" on the label. This helps to prevent mold from growing here in the future.
The best defense against mold in your home is a good offense. Fix water leaks in your home and use a fan to dry out the area. Repair leaky roofs. Install and use exhaust fans in the bathroom and kitchen areas. Vacuum and clean your home regularly to remove mold spores, using a HEPA filter that will trap the spores and not release them back into the air.
Be vigilant in looking for mold around the house when there has been any type of water situation, and dry it out right away to prevent mold from growing in the first place.
Mold is everywhere. Over 50 molds are considered to be the cause of serious problems, including Stachbotry, more commonly known as "black mold". Mold can become a significant problem when it is exposed to water or high humidity (above 55%). Damp, dark areas with poor circulation allow the mold spores to sprout and spread. As a realtor, I have inspected many, many homes, and can almost tell immediately when mold is present. Since mold grows in dark places, it is not always readily visible, but you can small the musty odor immediately if it is present in the home. The odor usually is your first clue that a problem exists.
Mold spores grow on organic materials, such as carpet, wood, leather, sheetrock, and insulation. Mold can also be found growing along walls where cold air from the exterior comes in contact with an interior wall. Behind dressers, headboards, and in closets are prime places for mold growth.
If you find mold growing in your home, and the area it covers is less than 10 square feet, EPA guidelines allow you to clean it up yourself. For larger area, you need to call in a professional, which can be found in the Yellow Pages under "Fire and Water Damage Restoration".
To clean it up yourself, use protective gloves and goggles. Close off the room you are working in to limit the spread of airborne spores. Bag up and remove moldy materials and put them directly in the trash. Then wash the surface where the mold is growing with laundry detergent and warm water and allow it to dry thoroughly. You can also use a solution of 1/4 cup bleach to one quart of water, wash down the surface, let it dry, and repeat. After the area has dried thoroughly, apply a borate-based detergent solution and don't rinse. a borate-based detergent will list "borate" on the label. This helps to prevent mold from growing here in the future.
The best defense against mold in your home is a good offense. Fix water leaks in your home and use a fan to dry out the area. Repair leaky roofs. Install and use exhaust fans in the bathroom and kitchen areas. Vacuum and clean your home regularly to remove mold spores, using a HEPA filter that will trap the spores and not release them back into the air.
Be vigilant in looking for mold around the house when there has been any type of water situation, and dry it out right away to prevent mold from growing in the first place.
Buying Your First Home
Buying your first home in a depressed housing market is much the same as for any other market. A real estate market is considered to be depressed when there are more sellers than there are buyers. Sellers in this type of market may make some adjustments in the price or other concessions to complete the sale, but your basic guidelines, as a first time home buyer, should remain the same. Here are some tips that will help you to know what to expect as you go through the process:
Contact a lender to receive pre-approval for a loan
This will give you a price range for homes that you should be looking at, and also add more clout to your purchase offer when you submit it. There is no sense wasting your time and effort looking at $400,000 houses, when, realistically, you can only afford $200,000. Checking with the lender early can also allow you to clear up any credit problems ahead of time.
Compare Mortgages
There are so many different types of mortagages available right now that you need to have your lender explain what is available to you. Though interest rates have dropped in recent weeks, the criteria to obtain a loan has been tightened. Ask the lender to explain to you, in detail, the difference between a fixed rate loan, and adjustable rate loan, and interest only loans. Then you can make an informed decision as to what is right for you.
Choose a Realtor
Ask your family, friends, co-workers and neighbors to recommend a realtor they may have worked with on their home purchase. Most will be more than willing to recommend someone that they trust and did a good job for them. Remember, the realtor you choose works for you. The seller pays the commission, but your realtor has the legal duty to work in your best interests. They are experienced with the buying and selling process and know how to work through any problems you may encounter while purchasing your first home. You are doing this for the first time. The realtor deals with it daily.
Find a Home You Like
Work with your realtor to make him or her aware of the type of house you have in mind. Do you want a low-maintanence exterior? Garage? Fenced yard? Basement? 2,3, or 4 bedrooms? Single floor plan or two story? If you already have a specific neighborhood picked out, your realtor can search all possible listings that match your criteria. If you are not sure, ask the realtor to show you homes in different neighborhoods until you find the one that feels right for you.
With the multitude of information listed on the internet these days, you can do your own search for a home without using a realtor. Just remember that you will have to do all the legwork yourself, including contacting the seller for a viewing of the home, negotiating a selling price, obtaining a title company to handle the closing, and locating an inspector to check out the property. If you are working with a realtor, he or she will handle these details for you.
Make and Offer
After you have found your dream house, it's time to make an offer to purchase. This is a binding contract between you and the seller. You will be expected to put up "earnest money", which is a sign of good faith that you will complete the purchase. This will be deducted from your down payment at the closing, so you are not just giving away the money. Make your offer subject to an inspection of the property, acceptable to you, before the acutal sale is committed. In a depressed market, the seller may be willing to accept a lower price or make other concessions to sell the house (such as paying all or part of the closing costs or providing a 1 year home warranty on the property).
Have a Whole House Inspection
Hire a reputable inspector to thoroughly inspect all areas of the house. They will be able to determine that all systems are or are not operating properly or are in need of repair, and can alert you to any problems that may arise in the near future. If there is a serious problem you can request that the owner fix the problem before you buy the house, which he may, or may not do. If he won't, it's your choice whether or not to continue with the contract.
Closing the Deal
If everything checks out with the inspection and you are satisfied with the contract, your lender will prepare the documents needed to transfer the property from the current owner to you, and set up a closing date. After the closing, the property legally belongs to you, and you have just purchased your first home.
Contact a lender to receive pre-approval for a loan
This will give you a price range for homes that you should be looking at, and also add more clout to your purchase offer when you submit it. There is no sense wasting your time and effort looking at $400,000 houses, when, realistically, you can only afford $200,000. Checking with the lender early can also allow you to clear up any credit problems ahead of time.
Compare Mortgages
There are so many different types of mortagages available right now that you need to have your lender explain what is available to you. Though interest rates have dropped in recent weeks, the criteria to obtain a loan has been tightened. Ask the lender to explain to you, in detail, the difference between a fixed rate loan, and adjustable rate loan, and interest only loans. Then you can make an informed decision as to what is right for you.
Choose a Realtor
Ask your family, friends, co-workers and neighbors to recommend a realtor they may have worked with on their home purchase. Most will be more than willing to recommend someone that they trust and did a good job for them. Remember, the realtor you choose works for you. The seller pays the commission, but your realtor has the legal duty to work in your best interests. They are experienced with the buying and selling process and know how to work through any problems you may encounter while purchasing your first home. You are doing this for the first time. The realtor deals with it daily.
Find a Home You Like
Work with your realtor to make him or her aware of the type of house you have in mind. Do you want a low-maintanence exterior? Garage? Fenced yard? Basement? 2,3, or 4 bedrooms? Single floor plan or two story? If you already have a specific neighborhood picked out, your realtor can search all possible listings that match your criteria. If you are not sure, ask the realtor to show you homes in different neighborhoods until you find the one that feels right for you.
With the multitude of information listed on the internet these days, you can do your own search for a home without using a realtor. Just remember that you will have to do all the legwork yourself, including contacting the seller for a viewing of the home, negotiating a selling price, obtaining a title company to handle the closing, and locating an inspector to check out the property. If you are working with a realtor, he or she will handle these details for you.
Make and Offer
After you have found your dream house, it's time to make an offer to purchase. This is a binding contract between you and the seller. You will be expected to put up "earnest money", which is a sign of good faith that you will complete the purchase. This will be deducted from your down payment at the closing, so you are not just giving away the money. Make your offer subject to an inspection of the property, acceptable to you, before the acutal sale is committed. In a depressed market, the seller may be willing to accept a lower price or make other concessions to sell the house (such as paying all or part of the closing costs or providing a 1 year home warranty on the property).
Have a Whole House Inspection
Hire a reputable inspector to thoroughly inspect all areas of the house. They will be able to determine that all systems are or are not operating properly or are in need of repair, and can alert you to any problems that may arise in the near future. If there is a serious problem you can request that the owner fix the problem before you buy the house, which he may, or may not do. If he won't, it's your choice whether or not to continue with the contract.
Closing the Deal
If everything checks out with the inspection and you are satisfied with the contract, your lender will prepare the documents needed to transfer the property from the current owner to you, and set up a closing date. After the closing, the property legally belongs to you, and you have just purchased your first home.
Thursday, January 31, 2008
Tips to Increase your computer speed
Recently my computer was running a little sluggish because I had forgotten to do the little housekeeping tasks to keep it running at optimum speed. A couple of friends asked me to help them with their computers, also, so I thought I would share the tips with anyone interested.
Remove the Junk
There are probably programs you have downloaded, or added, that you no longer use, or use rarely. Many of these programs take up much valuable space for the use they give, so dump 'em. Click on Start, Control Panel, then Add/Remove Programs. After the list is populated, scroll down through each one. You will be able to identify the last time you used the program, how often you use it, and how big the capacity is. When you identify ones you think you no longer need, just click Remove to delete it. There will be a prompt to alert you to shared components between programs. Select No on these because you may inadvertently remove components needed to run something else.
Do Clean Up
Click on Start, All Programs, Accessories, System Tools, then select Disk Clean Up. Choose the drive you want to clean up (usually C) and click to complete. The pop up window will show you which files are on C, and how much space they are taking up. Delete downloaded program files, temporary internet files, and Recycle Bin Files. Click the files you want to delete and then click OK.
Organize
If you store photos on your hard drive, consolidate them using a photo organizing program. You can get a free one to download from Google. Better yet, transfer all your photos to a CD. To do this, display the photo images on your computer. Click the image you want to transfer to the CD, then click Copy this File. A box will come up prompting you to select the place you want to copy the image to. Click CD-RW Drive and Click Copy. A balloon will pop up at the bottom of the screen reminding you the "You have files waiting to be written to the CD". After you have chosen all the images you want to transfer, click on this balloon and you will be taken to the CD writing program on your computer. Click "Write these files to CD" and follow the prompts. After you CD is completed, you can delete the photo images from your computer hard drive, saving space and speeding up your operations.
I have done this many times with my computer, and the results are always good. Try it.
Remove the Junk
There are probably programs you have downloaded, or added, that you no longer use, or use rarely. Many of these programs take up much valuable space for the use they give, so dump 'em. Click on Start, Control Panel, then Add/Remove Programs. After the list is populated, scroll down through each one. You will be able to identify the last time you used the program, how often you use it, and how big the capacity is. When you identify ones you think you no longer need, just click Remove to delete it. There will be a prompt to alert you to shared components between programs. Select No on these because you may inadvertently remove components needed to run something else.
Do Clean Up
Click on Start, All Programs, Accessories, System Tools, then select Disk Clean Up. Choose the drive you want to clean up (usually C) and click to complete. The pop up window will show you which files are on C, and how much space they are taking up. Delete downloaded program files, temporary internet files, and Recycle Bin Files. Click the files you want to delete and then click OK.
Organize
If you store photos on your hard drive, consolidate them using a photo organizing program. You can get a free one to download from Google. Better yet, transfer all your photos to a CD. To do this, display the photo images on your computer. Click the image you want to transfer to the CD, then click Copy this File. A box will come up prompting you to select the place you want to copy the image to. Click CD-RW Drive and Click Copy. A balloon will pop up at the bottom of the screen reminding you the "You have files waiting to be written to the CD". After you have chosen all the images you want to transfer, click on this balloon and you will be taken to the CD writing program on your computer. Click "Write these files to CD" and follow the prompts. After you CD is completed, you can delete the photo images from your computer hard drive, saving space and speeding up your operations.
I have done this many times with my computer, and the results are always good. Try it.
Tuesday, January 29, 2008
More on Turning 60
As I previously told you, I turned the big 60 on January 5. Last Saturday I had a great thought: All the people I went to school with will be turning 60 this year also. I had a list of email addresses from our last reunion, and zipped off a short note wishing each of them a Happy 60th Birthday. The response I have received has been wonderful.
I heard from a girl I walked to school with for four years and who I have not seen since we graduated. She emailed 3 times that first night, and sent pictures of her family and let me know what she was doing. I heard from another guy who I haven't seen in years and he sent pictures. I heard from a friend who is now living in the Florida Keys teaching scuba diving (we're from Ohio, so that is a big leap). Everyone who emailed me back gave details of what they had been doing, and also asked about me, my family, and my mother and sisters, whom most also knew, since it was a very small town.
So if any of you are thinking about the good old days, contact your old friends. It made my weekend!
I heard from a girl I walked to school with for four years and who I have not seen since we graduated. She emailed 3 times that first night, and sent pictures of her family and let me know what she was doing. I heard from another guy who I haven't seen in years and he sent pictures. I heard from a friend who is now living in the Florida Keys teaching scuba diving (we're from Ohio, so that is a big leap). Everyone who emailed me back gave details of what they had been doing, and also asked about me, my family, and my mother and sisters, whom most also knew, since it was a very small town.
So if any of you are thinking about the good old days, contact your old friends. It made my weekend!
Saturday, January 26, 2008
Remodeling Your Basement to Add Value to Your Home
Remodeling your basement is an excellent way to add extra living space, plus extra value, to your home. By planning carefully before you begin you can maximize the space and get the most for your money. When planning, consider a bathroom and wet bar area if the plumbing is available. This will add extra value and make entertaining in this room easier and more enjoyable. A small refrigerator, a microwave, and a coffee maker are good to include. A full bath is a great value, but a half bath is good, too. If the plumbing is there, or you can add it, do so.
The first step is to make sure the basement is, and remains, dry. Water seepage will completely undo all your hard work, so it is very important you don't miss this first step. There are many products sold in your local hardware stores that you just paint on the walls to keep your basement dry and leak free. It's well worth the time and effort.
There are certain elements in the basement that you can't move or change, so plan around them. Beams, support columns, furnace, water heater and any existing plumbing can be incorporated into your plan by building around them. Build a seperate room for the furnace and water heater. Box in beams and columns you want to cover and then drywall around them. Do the same with plumbing pipes, but remember to leave a way to access this plumbing in the future, either by adding a small hinged door, or a removable piece of drywall that can be latched in place.
The duct work for the heating system will be running through the floor joists. You can add a couple of heat ducts from the existing system to the new space to direct heat to where you want it in the room.
Frame the walls with 2 x 4's, with a header and footer, the studs being 16 inches on center. Attach these to the cement walls in the basement, and also to the floor.
Now it's time for the wiring. This is something that should definitely be done by a certified electrician. Electrical outlets should be plentiful, to allow free use of the space for whatever you choose later. Also, the wall switches should be the type that can be operated from two different locations. You don't want to come upstairs only to have forgotten to turn off one of the lights and have to go all the way back down to do it. We learned this the hard way when we did our basement, and changing out those switches is now at the top of my "To Do" list. This is also the time to install the wiring for telephone lines and surround sound speakers.
If you don't already have plenty of insulation, now is the time to put it in. It never hurts to have extra.
Hand and finish the drywall. This is a job that can be done by most do-it-yourselfers, with a little practice. Use drywall screws to attach the sheetrock to the 2 x 4's. You can use paneling if you prefer, but drywall makes it look more professional.
After the drywall is finished, it's time for the ceiling. Using a dropped ceiling is the choice of most people, for a couple of reasons. One is that hanging and finishing overhead drywall is a tough job. The main reason is that a dropped ceiling will allow easy access to those plumbing pipes and any wiring that will be running overhead. If there is a breakage or a leak, you can get to it easily, and also will not have to replace the entire ceiling, just the panels that may be damaged.
Put insulation between the floor joists before you hang the ceiling panels. This acts as a sound barrier to the overhead rooms, and is well worth it. We added extra insulation in the ceiling, and you can be down there with a crowd and the surround sound turned all the way up, and can't hear it from upstairs. It's great.
The flooring is the last step. Carpeting with good padding is a good choice. It makes the cold floor stay warmer and helps with insulation from the ground. Tile floors in the bathroom and wet bar area allow for quick clean up of any spills in those areas.
I hope this will encourage those of you who have been considering a basement remodel to go ahead and do it. It is a big job, but the rewards are even bigger. Enjoy!
The first step is to make sure the basement is, and remains, dry. Water seepage will completely undo all your hard work, so it is very important you don't miss this first step. There are many products sold in your local hardware stores that you just paint on the walls to keep your basement dry and leak free. It's well worth the time and effort.
There are certain elements in the basement that you can't move or change, so plan around them. Beams, support columns, furnace, water heater and any existing plumbing can be incorporated into your plan by building around them. Build a seperate room for the furnace and water heater. Box in beams and columns you want to cover and then drywall around them. Do the same with plumbing pipes, but remember to leave a way to access this plumbing in the future, either by adding a small hinged door, or a removable piece of drywall that can be latched in place.
The duct work for the heating system will be running through the floor joists. You can add a couple of heat ducts from the existing system to the new space to direct heat to where you want it in the room.
Frame the walls with 2 x 4's, with a header and footer, the studs being 16 inches on center. Attach these to the cement walls in the basement, and also to the floor.
Now it's time for the wiring. This is something that should definitely be done by a certified electrician. Electrical outlets should be plentiful, to allow free use of the space for whatever you choose later. Also, the wall switches should be the type that can be operated from two different locations. You don't want to come upstairs only to have forgotten to turn off one of the lights and have to go all the way back down to do it. We learned this the hard way when we did our basement, and changing out those switches is now at the top of my "To Do" list. This is also the time to install the wiring for telephone lines and surround sound speakers.
If you don't already have plenty of insulation, now is the time to put it in. It never hurts to have extra.
Hand and finish the drywall. This is a job that can be done by most do-it-yourselfers, with a little practice. Use drywall screws to attach the sheetrock to the 2 x 4's. You can use paneling if you prefer, but drywall makes it look more professional.
After the drywall is finished, it's time for the ceiling. Using a dropped ceiling is the choice of most people, for a couple of reasons. One is that hanging and finishing overhead drywall is a tough job. The main reason is that a dropped ceiling will allow easy access to those plumbing pipes and any wiring that will be running overhead. If there is a breakage or a leak, you can get to it easily, and also will not have to replace the entire ceiling, just the panels that may be damaged.
Put insulation between the floor joists before you hang the ceiling panels. This acts as a sound barrier to the overhead rooms, and is well worth it. We added extra insulation in the ceiling, and you can be down there with a crowd and the surround sound turned all the way up, and can't hear it from upstairs. It's great.
The flooring is the last step. Carpeting with good padding is a good choice. It makes the cold floor stay warmer and helps with insulation from the ground. Tile floors in the bathroom and wet bar area allow for quick clean up of any spills in those areas.
I hope this will encourage those of you who have been considering a basement remodel to go ahead and do it. It is a big job, but the rewards are even bigger. Enjoy!
New News
I know I've been out of touch for quite a while, but with the holidays, the new year, and new hobbies and interest, I've been very busy. Plus, I had my 60th birthday on January 5.
I used to think of 60 as being ancient ( didn't we all??), but, you know what, I don't feel much different now than I did 10 years ago. Actually, I feel better. In December of 1997, I had a hysterectomy 10 days before Christmas. As anyone who has experienced this knows, it is not an easy recovery, though I had support and help from everyone around. But I still wasn't feeling so good for my birthday. My husband, in his excuberance, decided I needed a big party to celebrate my 50th, and planned a surprise. Thank goodness my best friend clued me in ahead of time. It actually turned out well, considering I was still taking pain pills from the operation. So this year, I told him absolutely NO PARTY, period. Case closed. This time he paid attention, and we spent a quiet evening with the above mentioned best friends, and with the family the next day. It was great.
I have also found a great website that you may want to visit. It's called Helium, and is a site for writers and those of us who aspire to be writers. You pick something you would like to write about from the many lists available, do the research, and write your best article. Each article is then rated, by other writers on the site, against the articles posted for the subject. Not only does it allow you to learn much about many different topics, you can earn money based on your articles. So far my earnings have been very minimal, but I have learned a lot, and also learned that I really do like to write. Like all of us, I assume, there has always been a novel lurking in the background of my mind. And now I can explore that, and more. Check it out.
I will also share some of my writings here for you to check out. I've found them so enlightening that I think maybe you would like them also. Keep checking back. The subjects are varied, informative and interesting. Thanks for reading.
I used to think of 60 as being ancient ( didn't we all??), but, you know what, I don't feel much different now than I did 10 years ago. Actually, I feel better. In December of 1997, I had a hysterectomy 10 days before Christmas. As anyone who has experienced this knows, it is not an easy recovery, though I had support and help from everyone around. But I still wasn't feeling so good for my birthday. My husband, in his excuberance, decided I needed a big party to celebrate my 50th, and planned a surprise. Thank goodness my best friend clued me in ahead of time. It actually turned out well, considering I was still taking pain pills from the operation. So this year, I told him absolutely NO PARTY, period. Case closed. This time he paid attention, and we spent a quiet evening with the above mentioned best friends, and with the family the next day. It was great.
I have also found a great website that you may want to visit. It's called Helium, and is a site for writers and those of us who aspire to be writers. You pick something you would like to write about from the many lists available, do the research, and write your best article. Each article is then rated, by other writers on the site, against the articles posted for the subject. Not only does it allow you to learn much about many different topics, you can earn money based on your articles. So far my earnings have been very minimal, but I have learned a lot, and also learned that I really do like to write. Like all of us, I assume, there has always been a novel lurking in the background of my mind. And now I can explore that, and more. Check it out.
I will also share some of my writings here for you to check out. I've found them so enlightening that I think maybe you would like them also. Keep checking back. The subjects are varied, informative and interesting. Thanks for reading.
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