A couple of years ago, I wrote an article about crop circles and received an overwhelming response from readers of our member newsletter Ancient Mysteries. When I started the report, I was truly ready to show what the aliens were trying to tell us. Unfortunately, the hard facts revealed that most crop circles are manmade. But, let’s take another look at this interesting topic.

The number of circles reported varies from approximately 2,000 (according to the International Crop Circle Database) to an estimated 10,000 sightings worldwide. The first patterns were simple circles and rings in wheat and barley fields. Recent patterns are elaborate geometrical designs, including some fractals! Patterns range in size from just a few yards across to huge designs that can only be seen fully from the air.

Theories on how these are made vary. Some propose that whirlwinds or plasma vortexes cause them, others suggest earth energies and magnetic fields, and some say microwave transient heating causes these circles. But, the most popular belief is that extraterrestrial forces create crop circles. As I reported in the first article, initially, the circles were thought to be landing impressions left by alien spacecraft, but now it is believed that the patterns are messages from aliens to us.

In 1991, two elderly, retired Englishmen, Doug Bower and Dave Chorley, confessed to creating hundreds of crop circles, beginning in the early 1970s. This led most media sources to proclaim that all crop circles were hoaxes. Some crop circle supporters pointed out that these two men couldn’t possibly have created all the circles, particularly those outside of the U.K. Yet, some crop circle artists, such as Circlemakers, suggested that Doug and Dave started a trend that was picked up by others worldwide. These artists consider crop circles a creative challenge and continue to make new and more elaborate patterns. We can even learn how to make our own at their Web site.

Interestingly, in 1991 Doug and Dave stated that they would make no more circles. But English researcher John Macnish claims that a year after they said this, he filmed them making the famous East Meon crop circle of 1992.

Gene Pool, a crop circle Web site, gives the following story as an example of the present state of mind surrounding crop circles: “When a large crop circle showed up Hungary, it created a great deal of attention. Two crop circle experts were called in to solemnly declare that it was a genuine construction by extraterrestrials, and could absolutely, positively not be the work of humans. A few months later, two seventeen-year-old students from Budapest introduced themselves in front of a T.V. audience and announced that they had created the circle themselves. Furthermore, they had extensive proof in the form of photographs and videotapes, including before and after shots.”

Pool points out that several newspapers sent reporters out with a few crop circle makers to make new circles in secret. In each case, a day or so later, the reporter-assisted circles were hailed as genuine by all of the “experts.” This experiment was repeated several times by several journalists. One well-documented, manmade design even ended up on the cover of a book on crop circles.

On the other hand, conspiracy theorists claim that Doug and Dave’s confession was staged by the British Ministry of Defense in collusion with the CIA to keep the secret of alien contact hidden from the public.

Most crop circle fans concede that some circles are manmade but believe that others aren’t. The following evidence is presented to support the position that some crop circles are not manmade: huge and intricate designs appear quickly, stalks are bent above ground level (this is very difficult to do by a man), and electromagnetic anomalies are found within some circles.

Those who believe that all crop circles are manmade put forth these points to support their case: wet crops bend easily without breaking, and it would take only a few minutes of math, a tape measure and a compass to make a design that would look complicated. Some humans understand fractals so well that they could easily make them using simple tools. Finally, it didn’t take long before schoolchildren across the U.K. began drawing complex circles in contests. If schoolchildren can do these, why do we so quickly attribute the circles to aliens?

Despite all of this, many people find crop circles to be a fascinating and uplifting phenomenon. Whether they are made by humans or aliens, they have a magic to them that cannot be overlooked. They lift human imagination up from everyday earth life to artistic, heavenly feelings and thoughts. Alien or domestic, crop circles are having a profound effect upon humanity.

John Van Auken is a Director at the Association for Research and Enlightenment. He is considered an expert in spirituality, reincarnation, ancient mysteries, and rejuvenation of the body, dream work, meditation, prophecy, mysticism, and Edgar Cayce concepts.

If your business needs to buy commercial property for a start-up or expansion, a commercial mortgage loan can provide the funding needed for your project. Commercial mortgage loans are offered by banks, private lenders, and other lending institutions, each with varying lending programs to offer and options for repayment to meet your needs.

Commercial real estate loans are often larger and more complicated than regular home mortgages. Therefore, these are sometimes more difficult to obtain. The approval process may be lengthier, with more requirements and paperwork than the typical home mortgage. When applying for a commercial mortgage loan, it’s important to know the requirements going in so you can have everything ready during the approval process.

Getting Started

Before ever starting the loan approval process, you must find a building or property to purchase. You’ll need to have the property appraised and be able to provide proof that the building is environmentally safe. Also, check your own credit report and credit score to be sure your credit record will be appealing to lenders. If there are negative records showing on your credit report or outstanding balances, you might want to pay these off and wait a little while longer before applying for your loan. These will remain on your credit report for a certain number of years, but showing you’ve paid the balance proves you made an effort to clear your negative credit.

Also, create a list of positives about your business and what you plan to do with the property. The lender will want to know your goals, and will likely want to see a business plan. You should also be able to show a positive debt/income ratio and/or a stable, profitable business history.

Types of Commercial Mortgage Loans

There are many types of commercial mortgage loans, with fixed and variable rates being the two most popular choices. Fixed commercial real estate loans carry a fixed interest rate, which gives you a fixed monthly payment. The usual length is 15 to 25 years for commercial mortgage loans. Variable mortgages often have lower initial rates, but then the interest rate can increase ever so often, thus, increasing your monthly payment. You might start with a variable rate to get the lower rate and then refinance later on when the fixed rates drop in the credit market.

Interest-only commercial real estate mortgages are loans in which the monthly payments are made toward only the interest for the first three to five years. The initial monthly payments are lower, which can help improve the cash flow in your business. Balloon mortgages are shorter-term loans in which the initial payments are very small but then a very large “balloon” payment is required at the end of your loan.

Commercial Mortgage Lenders

The choices are numerous when it comes to lenders for commercial mortgage loans. You can approach a traditional lender such as a bank or try non-traditional lenders such as private lenders or investors that are willing to loan money. A loan broker can help you choose the right avenue for your needs, and offer advice about possible payback plans. You can choose a loan broker and lender locally or find one online. It’s good to know all your options before applying for your loan.

You can also apply for a commercial mortgage loan if you need to refinance an existing business property. This process is usually much faster than a new loan because you already own the property and have the documentation needed to acquire the loan.

Commercial Loan Fees

When buying commercial property, be prepared for all the fees that will show up before or during closing. These include a valuation fee or appraisal fee, environmental surveys (for potentially dangerous properties), broker fees, legal fees, due diligence fees (for credit and background checks), and application and processing fees. Also, be sure to question your lender or broker about early repayment penalties and balloon payments. Whether using a bank or private lender, get everything in writing before moving forward.

The key to obtaining a commercial mortgage loan is to take time to read all the requirements, speak with a broker (ask plenty of questions), and keep your credit rating as high as possible. There are many websites online to help you with the process. Contact a broker today to find the best type of loan to help your business.

Chris Robertson is an author of Majon International, one of the worlds MOST popular internet marketing companies on the web. Learn more about Commercial Mortgage Loan Guide.

There are many ways to make money doing forex trading, however if you want to make a profit you need to know the basics and other little tricks. The people who are really cashing in and making a living off of forex trading are doing exactly what I am about to tell you. These tips are guaranteed ways for you to start making a living off of forex trading and to see profits roll in!

1. Buy Low, Sell High
This may sound like a common sense strategy but it is so basic because it works. Some people like to only trade forex currency that they recognize like the US dollar, the Euro, or the pound. They don’t realize that there is money to be made if you look at lesser known, but just as valuable currencies.

If you buy a currency from another country that you may not recognize, but you do recognize the country it comes from, you can make some money. Everyone is familiar with the US dollar, but what about the Chinese yen? Just because you are not familiar with the currency doesn’t mean it is of no value to you.

If you see the chance to jump on a low valued currency while doing forex trading, it is a good idea to do so. Because the forex market is changing every minute, you could be sitting on a gold mine and not even know it!

2. Forex Trading Software
This could be the most important tip I could give you to make the most money while doing forex trading. The reason I say this is because forex trading software will automate processes that us as humans just cannot do alone.

Imagine trying to keep up with the value of all worldwide currencies while they are changing every hour or minute. It just isn’t possible for you to make money if you try and do this by yourself, that is where forex trading software can help you out.

If you want to join the people who are now working at home, trading forex, and making 6 figures, then you need to get some type of forex trading software package. This not only makes life easier for you, but it will allow you to accomplish more on the forex market then you could have done by yourself.

There are many great software packages out today and some are better then others. If you want to earn the most money you should check out the-forex-tracer.com and read about the great forex trading software that is available.

Remember, the decisions you make now can either put money in your pocket or take it out so stack the odds in your favor!

Many homeschooling parents become intimidated when it comes to teaching upper level science courses. I have used several different highschool science programs and both my children and I have found Apologia, by Dr. James Wile, to be excellent.

The Apologia science line has grown over the last several years to include:

General Science (7th grade)

Physical Science (8th grade)

Biology (9th grade)

Chemistry (10th grade)

Physics (11th grade)

Advanced courses:

The Human Body (advanced biology)

Marine Biology (written by Sherri Seligson in the Apologia format)

Advanced Chemistry

Advanced Physics

My children and I have personally used Physical Science, Biology and The Human Body, advanced biology. The books are decidedly Christian, very interesting and well-written in a conversational tone.

Experiments are presented throughout the book to help reinforce understanding of the concepts taught. The general and physical science courses include experiments that are done with easy-to-find materials, though it is a good idea to check and make sure that you have all needed items ahead of time, so you won’t be running to the store for a missing item.

The biology course is written so that it is easy to skip the experiments requiring a microscope if you cannot afford one, as there are plenty of experiments that don’t require a microscope.

I highly recommend getting all of the suggested experiment supplies for the advanced courses, as they become a more integral part of the course. My 11th grade daughter thoroughly enjoyed going through her advanced biology course. She typed her own blood, dissected a cow heart and a fetal pig!

Last, but certainly not least, Apologia Educational Ministries offers ongoing support. They have a contact number and contact e-mail address at the front of the book. My children found the concepts in the book well-explained and never did contact Apologia, but the offered curriculum support could become important with more math-heavy science subjects, such as chemistry and physics.

In summary, Apologia’s educational materials are excellent. They have withstood the test of this very picky homeschooling mom and received a thumbs-up from all of my children, which is really saying something!

Jeanette Steiner is a single homeschooling mom who has been teaching her (7) children for 12 years. To read more informative articles with tips and advice like the ones in this article, please click here: http://www.homeschoolbiology.com

Why should you use the Forex Autopilot system? There are three problems with not using an automated forex trading system.

I am certain people have told you that you can make big money by trading foreign currencies, right? I am also willing to bet someone has told you it is simple to do. Is this true?

Well, I can tell you that there absolutely are big gains to be made in forex, that is certain. Whether it is simple or not is an entirely separate issue. That’s why you might need some help from the Forex Autopilot system.

Forex trading appears to be really simple to people who look at it for the first time. Actually it is, compared to the stock market with its millions of equities to monitor and choose from. And another big attractive factor is the liquidity. Somebody will always accept your trade no matter how big and at whatever time.

Here are the problems:

Problem number one – Information overload.
When exactly should you buy or sell? Websites, books, forums will all attempt to educate you on how the various indicators work and what they should mean as signals. However, the final interpretation is yours. EMAs, Bollinger Bands, stochastics, MACD there are loads of them. You can end up putting so many on your chart you can’t even see the candles.

Problem number two – Human emotion.
Okay, imagine you believe you have got all the signals together and they are telling you to buy so after biting your nails you do. What do you do next? When do you exit the trade? Wow, you make a lot of pips and it looks like the trend will continue so you don’t exit but stay in the market. You make a cup of coffee, return and things have turned in the opposite direction. Do you sell? Do you wait it out? You have to rely on your feelings.

Problem number three – Time.
The forex market is always open but can you wait for signals in front of your computer 24 hours a day? Even if you wanted to you wouldn’t be enjoying yourself as you would be constantly on edge.

The Forex Autopilot system can crunch more data than you could in a hundred years. It won’t get over-confident or start to doubt itself. It has no concept of time. All you need to do is set up the currency pair, time frame, stop-loss and take-profit levels etc and you can live a normal life.

The Forex Autopilot System takes the pain out of forex trading. You are only human after all and so are subject to the emotional rollercoaster that goes hand-in hand with playing the markets. Automated forex trading software can help secure your financial future.

I’m going to take sometime to share with you how you can build your wealth with forex. Never before has there been a huge opportunity for “the little guy” to compete along side big banks and make profits. Forex trading can be done from your home or any place with an internet connection and I’m going to show you what you need to do.

You need to take the necessary time, enough to ease your mind, to find a reputable broker. For me, I have the personal standards of a bank. Since the broker is the one holding my money, I need to be able to talk to a person any time I want. It’s something I just “need” to keep my head straight. It’s my money and I just need that human interaction. Some people don’t really need that. They’re fine with live internet chat support or email support. The point is that you get the qualities you need to keep your mind sane because there are a lot of shady brokers out there and it isn’t a pleasant feeling when you can’t get in contact with them.

I think the best thing you can do on a regular basis is take the time to practice on your demo platform. That allows you to simulate trades without actually having to use your money. This gives you the ability to practice and test out strategies. If you start participating in online forex forums, you’re always going to hear these “strategies” that you’ll want to try out. Use them on your demo account, to protect yourself from a loss.

If you’re interested in building your wealth with Forex trading, please check out the 10 Minute Forex Wealth Builder.

Forex trading Robots have become a popular tool for traders of all levels to increase their earning potential and make their entire trading experience smoother and simpler. However, there aren’t just pros to using Forex Robots, there are also some cons. Let’s see what they are so you can make an informed decision about whether or not you want to use one yourself.

The pros of Forex Robots:

1. They can save you a lot of time as they make trading much easier, allowing you to spend much less time monitoring, analyzing, and reviewing the market.

2. Forex robot programs can help you to make more money as they are based on tested mathematical models. A good forex robot can increase your probability of making more profitable trades in the short and long run.

3. They help you to avoid emotional trading mistakes by taking your emotions out of the trading process. You just allow the Robot to work, so you don’t have to be immersed in every market fluctuation. Emotional mistakes are one of the main reasons why people lose on Forex. This way you can stop this from happening to you.

Cons:

1. There are a lot of Forex trading robots on the market. Often, it’s difficult to identify the really good ones from the bad ones. However, once you find one that works it can be magical.

2. Some people become so hooked on using automatic trading programs that they neglect their own Forex education. This is a mistake. Don’t allow yourself to become complacent. Knowing how to work in the marketplace yourself is an important skill and often people forget about it while using Forex robots.

To read more about 3 recommended robots, click here: Best Forex Trading Robots.

Eris Soundbridge writes on Forex, finances, and investments. Click here to read his review of several of the top foreign exchange programs: Forex Robot Reviews.

If you are going to get involved in commercial real estate investing, one of the most important things is going to be getting good financing. Whether you are going to make this purchase for a piece of property for yourself, you plan on selling it for profit, or you want to rent the property, unless you can afford to pay for the entire purchase yourself, you’ll need to find good financing. Most people are not able to pay for commercial real estate on their own, so finding a great commercial loan is going to be important.

So, let’s take a look at how you can get a commercial loan, and how to get the best deal possible when you are trying to get a good loan for your commercial real estate. When you are trying to find a great deal on a commercial loan, you’ll need to remember that lenders want to insure that they are going to give the money to good buyers. If you are going to try to get the lenders to give you the loan that you want, it’s important that you have all the documentation available to show them that you are serious about the commercial real estate and the loan that you need as well.

Here are a few of the things that you’ll need if you are going to get a great deal on a commercial loan today.

-Great Credit

The first thing that you are going to need if you are looking for a commercial loan is great credit. It’s going to cost a lot of money to finance a piece of commercial property and even if you have experience and great income, most lenders are going to be leery of giving you a loan if you have bad credit. Your credit should not have late payments on it and you shouldn’t have bankruptcies on your credit either. Before you apply for one of these loans, it’s a great idea to find out what your credit score is to make sure that you do have great credit. If not, find a partner who does.

-A Good Down Payment

A good down payment is also going to be important if you are going to be able to get the commercial loan that you need. In fact, the more you can pay down in the beginning, the better deal you’ll get on the loan that you need. Usually lenders are going to require between 10-30% down on the property before they’ll give you a loan. So, be prepared to make a down payment that is quite large if you want a great deal.

-Quality Business Plans

Quality business plans are very important as well if you want a great deal on commercial loans. This is a great way that you can impress lenders. You need to show them how you are going to succeed and make money once you have the commercial property.

-Experience

If you are an investor in the real estate market, then you’ll want to show off your experience. Experience is important if you want to get a great commercial loan out there. Some lenders are a bit hesitant to lend out money to people who are new to the business.

-Extra Income

Having other income to show when you are applying for a commercial loan is a great way to get a great deal as well. You’re loan application will look a whole lot better to lenders when you have other income, since this shows lenders that you are more likely to make sure that they get paid their money on time.

If you are missing any of the elements above, find a partner who has them – someone who can help secure the financing and/or help lend the experience needed run your property successfully.

You’ll find that most commercial loans come with high interest rates and they also have terms that are quite short, so it’s important that you are going to be able to pay them off quickly. Know that you’ll actually have the money to pay this loan before you take it out. If you want a great deal on the commercial loan, it’s also important to consider various lenders. Although there are not as many options available when it comes to commercial lenders, you’ll find comparing lenders can help you to find the best deals possible. Of course the best way to get a great deal is to make sure that you know what you’re doing so that you can show that you’ll do well with the money and that you’ll be good for it when it comes time to pay it back as well.

James Janel is the Executive Director of the National Association of Commercial Real Estate Property Scouts. He is a Professional Property Scout, as well as an experienced commercial real estate investor. To find out more about property scouting and real estate investing, or to request our free report, Prospecting for Profits: Turning Dirt into Cash, go to http://www.NACREPS.org

Anyone who has entered the Foreign Exchange Market is aware of automatic forex trading systems. These platforms, in theory, offer benefits and features that any investor would find useful. However, at the same time they are a very high potential to put you at a maximized equity loss.

The most common problem with automatic forex trading systems users is that they often choose the wrong platform to meet their personal investment needs. The mistake is that they usually choose a platform that is historically profitable without checking out the fine print. It might shock some of these investors to know that the fine print of that profitable history was actually just a simulation. Another common mistake is that users are often under the impression that since this software can run 24/7, it will garner them continuous profits and this simply isn’t the case. If you want to maximize your profits you will need to observe how the software works within the forex market to make yourself more knowledgeable and better your trading skills. This will also build your confidence.

It should also be noted that while there are many various types of automatic forex trading systems available, only a few are actually reliable. Just because a forex friend might recommend certain software does not mean this certain one will meet your individual needs. Do your own homework to make the best decision about which platform is the best for your own use. While a certain type is right for a friend it might not be right for you. This software should be used alongside research, strategy, knowledge and skill. Also look for platforms that offer real-time updates. The time it takes the software to update could mean a major gain or a major loss for you.

Regardless of which software you choose, if you are serious about maximizing your profits through leverage, it is still highly recommended to use Automatic Forex Trading Systems to help you achieve that.

However not all softwares are equal. The best way to get started is to read Forex Robots reviews. For a list of reviews, CLICK HERE

Auto forex trading is the future of currency trading. Whether you watch over your campaign for a few hours a day or even if you outsource that job to someone else, auto forex trading keeps a constant vigilante watch over your campaign. When I say constant vigilante watch, I mean every second of every day your trading bot is trading in your best interest.

When you consider that the forex market virtually never closes, save for a handful of hours over the weekend, you need to be able to stay on top of things at every second to fully take advantage of those small windows of opportunity which crop up from time to time. There is never any worry that your campaign is in the wrong hands when you’re auto forex trading, because it’s basically you but without your having to be there.

Another feature associated with auto forex trading comes in the form of signal generators. As the program is completely automated, signal generation is no exception. This is the most accurate way to go in this market as the program constantly analyzes the market’s trends and changes and figures all of this in, past and present, to give you the most precise tips to trade with. There is no worry of human error which you can get from dealing with an analyst as every tip comes from the same advanced solid mathematical algorithms. These tips always remain up to date as the software’s publisher offers constant free updates so your signal generators always remain up to date and grow with the market.

Not all automated forex trading software is the same, in fact there are a number of lemons mixed in so keep your wits about you and know what to look for. Visit http://www.forexautotradingreviewed.com for reviews on the three leading options for your auto forex trading.