Cash House79775

Presenting - A History Tour of the Beach and a Mission of Mercy With Gene Domagala

2007-11-16T16:48:00.000-08:00

Gene Domagala is not only a key volunteer in the Beach, an individual who helps out with all sorts of charities and non-profit organizations - a utility man as Bob Murdoch from Centre 55 calls him he is also one of the most knowledgeable individuals about the Beach. So in late December we had covered the western end of Queen Street East; today we were going to have a look at the eastern and northern end of the neighbourhood.

We met again at the Beaches Library, a great meeting point right in the heart of the Beach, at the intersection of Queen Street and Lee Avenue. Gene let me know that he had been notified this morning that the furnace of a local resident in the East end of the Beach had broken down, so our neighbourhood tour would also have to be a mission of mercy to deliver a few portable heaters to this family in need. So the first thing we did was to pick up three space heaters and drive into the east end of the Beach close to the Balmy Beach Club to drop off the heaters at a stately older home. Gene promised to be back later today to deliver a few additional heaters in order to make sure that the pipes in the house would not freeze since the furnace would not be fixed until tomorrow.

Gene explained that the Beach community is equipped for these sorts of emergencies; there are always a few extra heaters floating around, and Centre 55 keeps about 10 sleeping bags for critical cases when someone needs to stay warm overnight. A network of people looks out for their neighbours and makes sure they stay safe and healthy, even in the deep freeze that Toronto has been in for the last few weeks.

Since we were already in the east end of the Beach we decided to start our explorations right there. Gene explained that about 120 years ago there was a little village here with a local pastor whose name was H. Dixon. He started a tent church (literally a church located in a tent) and ran it from about 1880 to 1907. The tent church could hold as many as 500 people. Reverend Canon Dixon, as he was respectfully referred to in later years, was committed to ministering to the poor and founded missions and soup kitchens for the homeless. This tent church was later to become a permanent building St. Aidans Church, which just recently revived Canon Dixons legacy with its participation in the Out of the Cold Program.

We drove down on Balsam Street, and Gene showed me six houses that originally date back about 110 years, beautiful wooden clapboard properties with unique architectural features. At the bottom of Balsam Avenue is the former Alexandra Hotel Annex, today a private residence. Gene explained that about a century ago there were substantial homes along the bottom of Fernwood Avenue which used to be called Lakefront Avenue. The Alexandra Hotel had more than 30 rooms, and two free standing additions were built: Annex 1 and Annex 2. The entire complex was a summer hotel and featured a boat house at the waterfront and little cottages in the back. In the 1890s tourists would come from downtown Toronto by streetcar to enjoy the beautiful waterfront experience in Torontos Beach neighbourhood.

Most of these buildings were torn down around 1929 or 1930, but the old Alexandra Hotel Annex remained and recently underwent a beautiful renovation. There were several influential historic figures in this area: Sir Adam Wilson - the first elected mayor of the City of Toronto, a prominent jurist and a major landowner in the Beach; Reverend Dixon; James L. Hughes who was also the Chief Inspector of the Toronto School Board, and John McPherson-Ross, the Mayor of East Toronto which included Balmy Beach.

Our historical tour continued toward another historical intersection in the Beach: the intersection of Maclean Avenue and Queen Street. In the second half of the 1800s Alan Maclean Howard was one of the major landowners in the area. An interesting detail of his history is that his father was a clerk at the law courts in Toronto for 51 years, and his son held the same position, also for 51 years. A relative of Alan Maclean Howard was the first Postmaster of Toronto and a United Empire Loyalist.

Gene explained that Howard was a bit of an eccentric: he imported Guernsey cows and showed them at various agricultural exhibitions. He also had three large ponds with Peking ducks on his country estate which was called Glen Duart. Driving up on Hambly Street, Gene pointed out that this street at one point was supposed to be as wide as Spadina Avenue. Our drive continued north along Lee Avenue where Gene mentioned that this was the western end of another major estate in the Beach: the Glen Stewart Estate, owned by Alfred Earnest Ames. This self-made millionaire was the youngest president of the Toronto Stock Exchange, and at that time many successful stockbrokers and business people had beautiful mansions on Sherbourne and Jarvis Streets in downtown Toronto. In addition, they would also have summer homes in the Beach.

The Glen Stewart Estate starts north of Williamson Road, while south of this street was the location of the Glen Duart Estate. Ames had bought the Glen Stewart Estate in 1899 from a certain Walter Stewart Darling who was a minister in the area. Alfred Earnest Ames also had two duck ponds on his estate, and a white picket fence surrounded the entire expansive property. A twelve foot embankment bordered the property east of Lee Avenue, this embankment was later levelled after Ames had sold his property and it was divided up into a residential subdivision. The Glen Stewart Estate ended at Kingston Road.

The main entrance to the Glen Stewart Estate was on Glen Stewart Crescent where Alfred Earnest Ames residence was located. Gene took me to the property which is a large mansion that has been converted into a multi-unit apartment building. The mansion has lost quite a bit of its former glory, but when you look at it closely you can still picture the beautiful and imposing villa that it once must have been. In 1906 Canadas Governor General stayed here for one week to attend the Queens Plate held at the old Woodbine Race Track, an event that attracted thousands of horse-racing fans from around the country.

Behind the mansion is a steep drop off, and in the ravine below the crest Alfred Earnest Ames built one of the first golf courses in Toronto in 1920. Before the construction of the golf course this part of the property had consisted of woods and ponds. Alfred Ames stables were located just below the crest on Long Crescent.

A small dead-end street called Leonard Circle is the former location of the Glen Stewart Estates ponds, and some of the houses on this street are actually built on stilts, a necessary construction technique due to the marshy ground. The ponds went all the way to the north end of todays Williamson Road School, and Gene explained that around 1912 at least three or four boys died in the pond. The back entrance of the school was the main entrance to the palatial Glen Stewart Estate. The houses west of Lee Avenue were not part of the Glen Stewart Estate; they were built in the 1920s while the houses east of there on the former estate were put up in the 1950s.

Southwood Drive, the extension of Main Street south of Kingston Road, was the borderline between the Glen Stewart and the Glen Duart estates. East of Southwood Drive there was only bush. When Alan Maclean Howard moved out around 1915, the property was subdivided and houses went up on Glen Manor Drive East. Todays Glen Stewart Ravine was the location of several ponds that were located on the former Glen Duart Estate. Gene added that the ravine should really have been called the Glen Duart Ravine since it was part of Alan Maclean Howards estate.

As we were driving south along Glen Manor Drive, we stopped at the natural ice rink that is maintained by local Beach residents. Gene introduced me to Thomas Neal, a local real estate agent, who dropped by a few years ago to take his boys skating and realized that the rink had been closed down due to municipal funding cuts. Together with Brock Grant, another neighbour, he decided that the community would run the rink itself, and ever since then the two men with the help of other neighbours, have been maintaining the natural ice rink on a daily basis.

Brock and Thomas take turns, and Thomas alone spends about five hours a day maintaining the ice rink. When I got there Thomas had just hooked up a big hose to the water supply and was spraying the rink with water which was freezing fast on this chilly day. After every snow fall he and several like-minded volunteers come out to shovel the rink. Now there are two sides to this natural ice rink: one side is designated for hockey players and one side is for pleasure skating. Thomas said that even Guy Lafleur once visited this natural ice rink. He added that he loves maintaining the rink, it is great for the kids, and at night the facility turns into a beautifully lit venue.

The community spirit is strong here, and Thomas Neal is just another example of how regular citizens pitch in and help out in the Beach. I let Thomas continue his work, and returned to Gene who pointed out a wooden bridge that crosses the Glen Stewart Ravine which has been there since 1915. The bridge will be replaced by a new model in the near future, but Gene, with his love for history, adds that he would love to hang on to the original one.

Ivan Forrest Park, at the southern terminus of the Glen Stewart Ravine, was named after a Parks Commissioner of the City of Toronto from the Second World War. Alan Maclean Howards ponds were finally diverted into pipes which carried the water into Lake Ontario. Further north, the natural part of the Glen Stewart Ravine stretching towards Kingston Road has not changed much throughout recent history. Gene explained that the ravine is a favourite destination of naturalists and bird lovers because of the large variety of bird species and indigenous plants.

From the Glen Stewart Ravine we crossed Queen Street southwards and arrived at the former location of the Scarborough Beach Amusement Park, a development that was started in 1906. The former owners of this parcel were the Sisters of St. Joseph who ran the House of Providence Farm, a specialized school for people with disabilities, in this area.

Revellers would come from the city in street cars of the Toronto Railway Company; these used to turn down on Scarborough Beach Boulevard. A giant velodrome used to be located just west of this street, and the street car would end at the bottom of Scarborough Beach Boulevard. Further south near the Hubbard Apartment Buildings used to be the midway with a giant Ferris wheel and 125 foot high tower that was lit nightly with thousands of electric lights. The tower was also used for a variety of stunts by different performers. The Scarborough Beach Amusement Park also included a quarter-mile long roller coaster ride, and different attractions such as a Tunnel of Love and a Shoot the Chutes flume ride. The first boardwalk in the Beach ran from the Hubbard Street apartment building to Fernwood.

At the bottom of Scarborough Beach Boulevard is a historic plaque that tells the story of the amusement park. As an expert in and advocate of local history, Gene Domagala has been lobbying for historical preservation in the Beach for many years, and was able to get six historic plaques installed in this area. The plaque commemorating the Scarborough Beach Amusement Park is one of them.

After the amusement park closed down in 1925 the land was bought up by developers; among them were the Price Brothers, a team of Toronto-based real estate developers who created more than 200 houses in the area, among them a whole section of architecturally unique fourplexes characterized by their front porches and arched verandas. Several of these fourplexes on Wineva Avenue have been listed on the City of Torontos Inventory of Heritage Properties as a result of their unique design.

Our drive continued further east, and at the intersection of Maclean and Queen Streets Gene pointed out a historical property: the elevated building behind the Beachers Caf is actually the original location of Alan Maclean Howards residence, although it has been modified a great deal over the years. Gene had been looking for it for a long time and could not find Howards original house. He realized that the street numbering on Queen Street had changed several times, and he had finally found the original house of Alan Maclean Howard. We drove north of Maclean Avenue and arrived on a winding, hilly road called Pine Crescent. This is the only area in the Beach where there is brick pavement. Gene explained that several neighbours came together and pitched in to get a historic reconstruction of brick pavers installed in their road. At the top of the hill is a beautiful private residence called Pinecrest which dates back to 1902 and was designed by renowned architect Charles Frederick Wagner, who had also created the well-known Inglenook property on Waverly Road.

Across the street is a mansion formerly owned by Joseph Harris, a member of the Canadian Parliament. We then drove up towards Kingston Road, past Glenn Goulds birth house on Southwood Drive. Glenn Herbert Gould (1932 to 1982) was a celebrated Canadian pianist and became especially well known for his recordings of Johann Sebastian Bachs keyboard music. Gene added that Gould was almost better known in many countries around the world than he was in Canada. A historic plaque educates visitors about the life of this outstanding Canadian musician.

Once arrived on Kingston Road we drove by the Notre Dame Convent which also houses a local Roman-Catholic school. This area used to hold the car barns for the Toronto Street Railway Company. We drove into the neighbourhood north of Kingston Road and turned left on Swanwick Avenue. Gene started explaining to me that this entire area used to be called the Village of East Toronto. Just up the street were the largest freight yards of the Grand Trunk Railroad which included marshalling yards, coal storage facilities and a roundhouse. The area near Gerrard and Main Street was a center of railroad activity in the late 1880s until the early 1900s. About 300 to 400 workmen were employed here, and many of the houses were built for these railroad employees. In total the Village of East Toronto had about 5000 residents.

Gene added that many of these employees were rather transient, they would often move from job to job, depending on the opportunities that presented themselves. There was a problem with the freight yards, however: the steep gradient from downtown Toronto to the Village of East Toronto necessitated three locomotives, three firemen and three engineers in the moving of the trains. Because of this unsuitable topography the CN freight yards closed down in 1908 and relocated to Belleville and Etobicoke respectively, a move that plunged the area into a serious long-term economic decline.

We continued our drive and stopped at Centre 55 where Gene briefly connected with Bob Murdoch. The Meals on Wheels deliveries were in full swing, and Bob and several of the volunteers had their hands full. From there we continued to Gerrard Street where we briefly dropped in at the offices of the Beach Metro News. The new edition of the paper had just been printed, and several of the captains had come in to pick up their many bundles of paper to pass on to their volunteers who look after the street delivery of the paper. As Gene also volunteers as a captain with the Beach Metro News he picked up his bundles of paper, and then we continued our historic drive.

Our conversation went back to the historic significance of the Main and Gerrard area. Gene added that there were three major intersections in the Beach: Queen and Lee, Queen and Beech as well as Main and Gerrard. He explained that the area featured a farmers market and a mix of smaller townhouses and nicer homes. At the corner of Enderby Road and Gerrard Street is a house that used to be owned by a man named Donald George Stephenson. He was a lumber merchant with a physically imposing appearance who was also the mayor of East Toronto. He was well known for his overspending ways, and in 1894 he built a series of row houses on Norwood Terrace, but ended up accumulating major debts and in the end he pulled a disappearing act to escape his creditors.

Behind Norwood Terrace today is the Main Street Bridge which used to be a wooden trestle bridge during the 1920s, spanning eight railway tracks. The area around Main Street was a thriving commercial hub with its own farmers market, diverse retail stores and several theatres. One of these theatres was the Ideal Theatre which today is a local retail store. The YMCA used to be on the other side of the intersection where the Ted Reeve Arena is today. Several banks were located at the Main and Gerrard intersection. A hospital and a library were nearby. This was the real centre of East Toronto.

From this area we drove south to the intersection of Main Street and Benlamond Avenue, another historical centre. Gene explained that Main Street used to be called Dawes Road in this area. Following Benlamond Avenue into an old established neighbourhood that used to be blocked to the public by a gate, Gene told me about the business owner duo of Benjamin Morton and James Lamond Smith who were both bankers with the Bank of Upper Canada. They were major landowners in this area. Swanwick Avenue, a local street, was named after Mary Swanwick Morton. Together these two business men created the first golf course in Toronto in 1871 near Woodbine and Coxwell Avenues, just north of the St. John Norway Cemetery. On Glen Oak Drive near Norwood Park there are several large stately homes dating back to the 1940s and 1950s. There is no through traffic in this area, and this little nook is virtually unknown to most Torontonians. The house of Edward Lyall Morton, Benjamin Mortons son, is in this neighbourhood, and some of the nicest houses are located on small side streets at the edge of an escarpment with a beautiful view over the Beach and Lake Ontario.

We came back out on Benlamond Avenue where the food bank at Calvary Baptist Church was in full swing. Gene added that this church features a beautiful stained glass window. Reverend Sneyd collected windows from bombed out churches in Europe after World War II and put them together into one giant stained glass window that was installed in the 1970s. We then drove east on Lyall Avenue, and Gene informed me that the first 60 houses on both sides of the street are actually protected as part of a designated heritage area. These homes were built for middle class families who had settled here permanently in contrast to some of the other lower income housing that was built for the more transient population of railway workers. Gene pointed out a unique feature of this neighbourhood: several street corners have houses with large front yards, an unusual sight in Torontos older high-density neighbourhoods. Gene referred to them as the fifty-fifties: the front yard measures fifty yards by fifty yards, and the houses are set in from the street.

Our next brief stop during our tour was at Malvern Collegiate, a venerable educational institution since 1903. Malvern is one of Torontos top academic high school and counts such illustrious graduates as Glenn Gould, Robert Fulford and Don Getty. Other celebrity students at Malvern include Norman Jewison, Alex Trebek, Keanu Reeves, Kiefer Sutherland and Jack Kent Cooke. The impressive library wing addition on the west side of the building opened in 1987 and features a statue that dates back to the First World War.

From here we headed down on Hannaford Street to Kingston Road where Gene showed me a local convenience store that used to be Ritches Dairy a stone insert in the buildings faade still testifies to the agricultural heritage of this area. Gene added that about a dozen dairies were located here about a hundred years ago, and he explained that there was nothing on the south side of Kingston Road until the 1940s.

Susanne Pacher is the publisher of a website called Travel and Transitions (www.travelandtransitions.com). Travel and Transitions deals with unconventional travel and is chock full of advice, tips, real life travel experiences & interesting life journeys, interviews with travellers and travel experts, cross-cultural issues, and many other features.

Susanne has recently published a series of FREE travel ebooks about destinations such as Spain, Cuba, Mexico, Sicily, New York City, Chicago, Montreal, Toronto, Nova Scotia and many more. Visit Travel and Transitions - FREE ebooks (www.travelandtransitions.com/ebooks.html)"Life is a Journey Explore New Horizons".

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Remote Email Access

2007-11-14T17:17:00.000-08:00

The advancement of wireless technology has brought the world together, with easy and convenient access to information, whenever we need and wherever we are. Remote Email Access is one example of the flexibility provided by the remote access technology. Remote Email Access gives the user the ability to access, receive and send emails wherever he or she is located.

There are two approaches to Remote Email Access, depending on how conveniently and frequently you can access the computer. In case you have a computer at your disposal than the POP approach best works, but if you are dependent on a cyber caf, than you may prefer web access instead.

POP stands for post office protocol and is the way real email systems work. To access your mail using POP, you need to access a POP server that verifies your username and password before granting you access to your emails. Once the mail is downloaded on your system, it is deleted from the POP server. You can access these mails even when you are offline. To access your mails through POP, you would use email client software such as Eudora, Pegasus or Outlook, or the email component of a web browser suite such as Outlook Express or Netscape Messenger.

An alternative way to access mails is to use a web browser such as MS Internet Explorer, Netscape Navigator or Opera to visit a web site, than you need to sign in with a user id and password, and then read your mail online. The biggest advantage of web access is that you can check your mails through any computer that has a web browser installed. The only disadvantage is that you have to be online all the time while checking, receiving or sending mails.

Thus, you can use either of the two options according to your convenience and access and exchange your mails with your boss, friends or relatives, wherever you are.

Remote Access provides detailed information about remote access, remote PC access, secure remote access, remote internet access and more. Remote Access is the sister site of FTP Site Hosting.

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Make Money on eBay - Every Business Faces Challenges

2007-11-09T08:33:00.001-08:00

Owning and operating an eBay business is an exciting and challenging experience. There is the excitement of seeing your business plan come together. Soon you are seeing the first steps as the business moves forward. There is also the frustration of facing challenges as the business gets off the ground and as it experiences growing pains. Yet it moves ever-closer to the goal to make money on eBay.

Problems and challenges are to be expected in every business endeavor. The entrepreneur who opens a new business with the goal to make money on eBay should always be ready when problems arise. The key is to recognize when a problem or challenge is present and then to properly address it.

It is important that entrepreneurs always be prepared to face challenges and problems immediately. Dont be afraid to deal with them head-on. Never allow them to linger, as they may be damaging your business today. The impact of a small problem that is unaddressed can be huge when that problem is ignored and allowed to continue to hurt your business. In fact a small problem that is allowed to linger may ultimately be the reason that an entrepreneur does not ever make money on eBay.

By meeting smaller problems head-on they are usually quickly remedied. It is the bigger problems that are more difficult. In some cases they can seem overwhelming and literally not solvable. However there is a way to solve every problem and to move ever-closer to the goal to make money on eBay.

Among the methods for solving bigger problems is to break the problem apart into small, more manageable pieces. Solve each of the pieces and the bigger problem is resolved as well. Another method is to recruit expert help to address major problems. Often an expert can provide suggestions that lead to a quick and easy solution that gets you back on the road to make money on eBay.

To your eBay success!

To read my free e-report "Dropship Facts" check out www.onlineauctionsmadesimple.net Bob Hamilton is an entrepreneur, writer and consultant. Bob sold his brick and mortor store to sell on eBay and has been helping others to get started on eBay ever since.
http://www.openingadollarstore.com

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1000 Ways to Improve Your Business

2007-11-05T17:34:00.000-08:00

One of the best things you can do for your business is to give information away. Information empowers your customer and brings them back for more. There are many great ways to give information to current and potential customers, which will instill confidence in your business. Many send out newsletters or email online newsletters to keep customers in their minds. It is important to keep customers aware of what is going on and tell them you appreciate their patronage. Some businesses send out gift certificates and Christmas Cards. But there is an easier and better way. One I think you might be aware of.

I recommend writing articles about things in which you have lots of knowledge in, areas of expertise where you are either an expert or borderline expert. Many companies and professionals write articles or have columns in industry rags or trade journals. Some write articles in their newspapers. But the very best way I have found to get the word out is this fast growing really cool company called EzineArticles.com where you can post your articles for free and people from all over the world come to see them and often reprint them on their websites, their company newsletters, the ezines and even read them on the Radio. This is especially good for someone like me, who has the perfect face for radio as I was once told by a former girlfriend.

Since it costs no money to post you can post as many articles as you would like. So I tried it at first by posting 2 articles and I was surprised when I searched "ME" on the Internet and found someone else liked my articles and posted them on their websites. So then, I thought; HA so I posted 10 more. Wow, again I saw three of my new articles on the Internet and people actually contacted my business within only 4 days. So, I posted some more. Then I got addicted, because it is so fun. So over the next 8 weeks, I posted 1000 articles. Today. I have searched and found at least one of my articles on about 45 websites, but I am sure it is much more, those are just the ones I could find. And in that time all my articles total have received 85,000 hits or views. I have had so many people contact my business, I had to take my website off the bottom my articles. But they still find me. I travel so much; I cannot call everyone back. HELP. It works too good.

As a writer I am not very good really, but each time I write an article I get better and actually some people like my articles even though my writing skills are not so great. I think everyone for their business should write one article per day at least so that they will have 30 articles per month and in no time they will be getting contacted by people all over the world who might like to do businesses with them. That is how it works you see, I know because they keep contacting ME.

I cannot believe the power of writing articles on the Internet. I wish I knew about this sooner. If I can do this and I am not even a writer really then you can too. I still dont believe it, you have to admit it is pretty cool. But each article brings me business and in 8-weeks I already have 85,000 hits and hundreds and hundreds of stars next to my articles on EzineArticles.com people actually like what I wrote? Cool. All these people are coming to my websites and my Internet traffic has went up a lot.

Each article brings me new contacts and since I have posted 1000 articles; that is 1000 ways I improved my business. I am averaging over 2700 article views per day now and that is almost 1 million article views per year; it works, 1 million people will read my articles in the coming year. Write more articles everyone, increase your business today, what would you do with one million potential new customers? I think I will write some more articles tomorrow. Think about it

"Lance Winslow" - Online Think Tank forum board. If you have innovative thoughts and unique perspectives, come think with Lance in the Online Think Tank and solve the problems of the World; www.WorldThinkTank.net/

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Alternative Student Loans - No-One Has An Excuse To Miss Out On School

2007-11-04T22:01:00.000-08:00

Getting a degree is very important if you want to land a high paying job in the future so you need to hang in there as long as you can.

There's a whole host of evidence to show that those who have a degree not only earn more, on average, over a lifetime, than those who don't, but they also earn it faster and find it easier to get a job.

That's why if you are having trouble with your funding, alternative student loans will help you find a way to get the finance.

These days in a competitive market, your costs can easily be kept under control and will prove a great return on your investment over the years that it takes to pay it off.

If you have exhausted all available government student loans being offered in your school, you should try to find alternative student loans to help you get through college.

There are a host of providers in this lucrative market. With thousands of students needing to find funding through alternative sources each year, this is an industry that is growing in leaps and bounds.

Note that there are many alternative student loans being offered in colleges and universities today and some of these are actually very affordable. The wide range of financial institutions that are out there vying for your business means that the fierce competition.

And this works in your favor, because interest rates are made very attractive to tempt you.

And if you are worrying about what will happen when the time comes to pay it off, there is a great little aftermarket of student loan consolidators who will help you pull it all together when you need to get sorted out,

The range of alternative student loans that are out there these days, mean that there is no reason whatsoever for anyone to miss out on that most formative of all life experiences. Those three plus years that you spend on campus will make your life far more interesting than ever.

It's not just a case of the learning in the classroom, but an alternative student loan will enable you to experience, and learn, life skills for which there is no substitute.

Get creative and really use the opportunity to experience three years or more of school, whatever it costs, because you're worth it!

(c) 2007 Best Student Loan Guide. Products, services and step-by-step guidance to help you make the best decisions you can. Checkout Martin Haworth's website for all you need at http://www.Best-Student-Loan-Guide.com

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The Big Lie About Hedge Funds

2007-11-03T16:04:00.000-07:00

Hedge funds are really making the news. About half the news is bad, blaming hedge funds for everything from market sell-offs to global warming. The rest of the time the news is gushing about the fabulous returns that hedge fund investors are banking every month.

So whom should we believe? Well, I am pretty sure that hedge funds are not responsible for global warming but the surprising truth is that most investors are not doing any better investing in hedge funds than they would investing in the stock market. And probably a lot worse.

Hedge funds differ from mutual funds in that they restrict the type and number of investors that may participate. Approved investors must own at least $1 million in assets and have an income of at least $250,000 a year. Apparently the regulators believe that people who fall into this category are better educated and sophisticated enough to understand the risks they are taking. (Be glad you do not fall into this category)

By doing this, hedge funds do not have to follow the same regulations that mutual funds must adhere to. Hedge funds can charge higher fees and often use leverage and invest in derivative investments that mutual funds cannot use. Hedge funds also do not have to report results like mutual funds and so you will read only about the high flying funds while the losing funds are closed and quietly fade away. This little known fact causes the estimated returns of hedge funds to appear higher than they really are.

Hedge funds really only benefit the fund operator who charges a set annual fee of 2 to 4 percent plus a performance incentive of 20 to 40 percent of gains. George Soros, founder of the Quantum Fund in the late 1960's, one of the most successful hedge funds of all time, had a few good years and made some money for the original investors as well as for himself. Eventually the fund busted so bad that it had to be shut down. Most of the later investors lost all of their money, but how did Soros fair? An exact number is hard to determine because hedge funds are not required to divulge results but a New York Times article in 2004 estimated that Soros was worth more than $11 billion and that most of that money was attributed mainly to his management of the Quantum Fund. Not bad work if you can get it.

Hedge funds like most investment advice and management firms draw most of their revenue through fees. Most investors read the financial press or watch financial TV and believe that these professionals are earning their fees through exceptional performance. However, the facts just do not bear this out. In fact, the best money managers typically under perform the overall stock market by the amount they charge for management fees.

For this reason, average investors can and do out perform mutual funds over the long haul. Avoid the big lie about hedge funds and secure your financial future.

To learn more about investing and how to create your own private hedge fund without the big fees visit our website at: http://www.avoiding-bankruptcy.net/5things.html

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Las Vegas NV Apartments - Several Tips to Help You Find the Right Apartment in Las Vegas

2007-11-01T18:38:00.001-07:00

If you are thinking about moving to Las Vegas NV and are in need of an apartment you might want to read this article. There are several things you need to know about leasing a Las Vegas NV apartment and this article will share several facts and tips.

The population of Las Vegas NV has grown to more than 500,000 residents. Not only is Las Vegas Nevada the largest city in Nevada, but is also one of the fastest growing metro areas in the country. Las Vegas is known for its superb shopping and its great neighborhoods. There are many apartment communities that are just a stones throw from all the great places Las Vegas is known for. The cost of living in Las Vegas is twenty percent lower than the rest of the country. Las Vegas is also known as a great place to start a business. When selecting an apartment in Las Vegas there are many things to consider.

The competition for Las Vegas apartments is fierce. The occupancy rate of Las Vegas apartments are in the neighborhood of 93 percent. Las Vegas is growing at an incredible rate and this means there are going to be housing shortages. Of course if there are housing shortages the rates for apartments will eventually rise. Currently the rates are reasonable and range from $450 dollars for a studio apartment to around $950 dollars for a three bedroom apartment.

To help narrow your search for a Las Vegas NV apartment you will need to select a zip code or area to begin your search. You might want to consider using a professional apartment search firm or apartment finder. This type of company can help you narrow your search and show you exactly what you are looking for. The beauty of these companies is that they can find you what you want fast and save you time and money. Many of these apartment finders can negotiate a better rate for the apartment you want then you would be able to get on your own. They also can help you with special needs that you may have.

Finding a Las Vegas apartment can be a headache. We suggest using one of the many apartment search firms in Las Vegas NV to help you find what you are looking for without wearing yourself out.

For more information on Las Vegas NV apartments, visit http://www.lasvegasnvapartments.com for tips and resources on finding the best Las Vegas apartment for your money.

Get seller real estate leads for only $9.95 per month.

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Business Innovation - Effective Team Structures

2007-11-01T14:40:00.000-07:00

Creativity can be defined as problem identification and idea generation whilst innovation can be defined as idea selection, development and commercialisation.

There are other useful definitions in this field, for example, creativity can be defined as consisting of a number of ideas, a number of diverse ideas and a number of novel ideas.

There are distinct processes that enhance problem identification and idea generation and, similarly, distinct processes that enhance idea selection, development and commercialisation. Whilst there is no sure fire route to commercial success, these processes improve the probability that good ideas will be generated and selected and that investment in developing and commercialising those ideas will not be wasted.

Effective Team Structures

The fact that the sum of ideas produced by individuals working alone is greater than the number of ideas produced by those individuals working in a group, is an indicator that team and groups structures are important considerations:

a)Large teams benefit from intellectual cross-pollination, but factors such as groupthink, core and peripheral information channels, status interactions, social loafing and individual shut downs reduce overall performance.

b)Pairs reduce intellectual cross pollination but some of the above inhibitors are also reduced. However, pairs are very successful many comedy partnerships and creative teams in advertising working pairs.

c)Individuals are prone to path dependency, parochialism and competency traps. But many well known creations have been developed by individuals alone.

So what is the most effective team structure?

These and other topics are covered in depth in the MBA dissertation on Managing Creativity & Innovation, which can be purchased (along with a Creativity and Innovation DIY Audit, Good Idea Generator Software and Power Point Presentation) from http://www.managing-creativity.com/

You can also receive a regular, free newsletter by entering your email address at this site.

Kal Bishop, MBA

**********************************

You are free to reproduce this article as long as no changes are made and the author's name and site URL are retained.

Kal Bishop is a management consultant based in London, UK. He has consulted in the visual media and software industries and for clients such as Toshiba and Transport for London. He has led Improv, creativity and innovation workshops, exhibited artwork in San Francisco, Los Angeles and London and written a number of screenplays. He is a passionate traveller. He can be reached on http://www.managing-creativity.com/

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