Dubai Lifestyle - The History of the City and Day to Day Life in Dubai

Background Information to the United Arab Emirates and Dubai: -

Dubai is one of the seven states that make up the United Arab Emirates (UAE); it is located in the Middle East. The UAE borders the Gulf of Oman and the Persian Gulf and is situated between Oman and Saudi Arabia. The United Arab Emirates was formed in 1971 by the then 'Trucial States' after their independence from Britain.

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The UAE is governed by a Supreme Council of Rulers, the council is made up of the seven emirs and they appoint the prime minister and the cabinet for the country. Despite being ultimately ruled by the Supreme Council, as with the other six states, Dubai maintains a large degree of autonomy from the UAE when it comes to general decision making for the city's development.

Dubai Lifestyle - The History of the City and Day to Day Life in Dubai

Oil was first discovered in the United Arab Emirates in the 1950s, before that the country's economy was built on fishing and pearling, since 1962, when Abu Dhabi became the first of the emirates to begin exporting the oil, the country's economy has been completely transformed.

Sheikh Zayed, who has been the president of the UAE since its inception, quickly understood the economic potential for the country from the oil industry. He has continued to ensure that each of the emirates benefits from the oil generated wealth, he has insisted on the reinvestment of oil revenues into the healthcare system, the education system and the general national infrastructure.

The development of the oil industry has led to a large influx of foreign workers to the UAE, in fact Dubai's population is the fastest growing in the world and the foreign population makes up about three quarters of the entire UAE population! As a direct result of this fact the UAE is one of the most liberal countries in the Gulf, with other cultures and beliefs tolerated. Dubai has also been quick to understand the need for diversification. Oil in the region is only projected to last for about 30 years and so Dubai has successfully embarked upon a major diversification program aimed to at developing industries and commercial enterprises to take the place of oil as the predominate commodity of the state's economy.

The climate in Dubai is sub-tropical and arid or desert like. The city enjoys almost year round sunny blue skies. Rain is infrequent and if it does fall, it falls in the winter.

Temperatures range from lows of 10°C to extreme summer highs of 48°C. The average maximum daily temperature in January is 24°C and the average maximum daily temperature in July is 41°C when humidity is very high.

About the city of Dubai

Dubai is recognised as the commercial and tourism capital of the UAE and is globally regarded as one of the most sophisticated, futuristic and cosmopolitan cities in the world, in fact Dubai is something of a phenomenon! It is an Arab Muslim society with the fastest growing foreign population in the world, and it has successfully developed harmony through ethnic diversity. It is a city with unrivalled levels of economic energy and architectural ambition, a unique city of contrasts where the most modern and architecturally stunning skyscrapers stand alongside traditional beautiful Arabic structures.

The experiences and attractions available in Dubai are many and varied. From the miles of immaculate beautiful white sandy beaches to the richly exotic Arabian heritage, from the awe inspiring majesty of the desert to the lively international bars, restaurants and nightclubs - a visitor to Dubai is guaranteed an incredible, never to be forgotten experience.
In 2003 Dubai was voted safest holiday destination in the world by Conde Nast Traveller magazine, and in fact Dubai is recognised globally as one of the safest cities in the world. Living in Dubai you will find that it is virtually crime-free with the Dubai police ensuring personal safety and security. Anyone found guilty of committing a serious crime will be severely punished. Alcohol and drug related offences are considered serious.

The economy of the city of Dubai is a mainly service-driven economy, with every business amenity from banking to telecommunications offered. International trading and industrialisation are actively encouraged through the provision of favourable taxation advantages, offshore status, specialist free trade zones etc. Recent innovative projects in the city include the foundation of Dubai Media City and Dubai Internet City, bringing 21st century technology to Dubai in the world's very first 'Free Zone' wholly dedicated to e-business.

Day to Day Life in Dubai

Accommodation

If you are considering moving to Dubai one of your first thoughts will no doubt be finding somewhere to live. This is not something you'll find too tricky, there are many companies advertising rental accommodation in the classified sections of local newspapers and they offer everything from private villas to luxury apartments or even shared accommodation. Whatever your budgetary and lifestyle requirements are, the specialist relocation and housing companies will be sure to have something to assist you. If you prefer to find your accommodation privately and avoid any agency costs, many people use supermarkets notice boards to advertise or request accommodation.

In terms of which areas of the city offer the type of accommodation you are after, Jumeirah, Umm Sequiem and the Safa Park area are upmarket and offer villa-type accommodation. Satwa and Garhoud also offer villas but are slightly cheaper. Rashidiya, Mirdif and Al Quoz are mainly Arabic areas and they actually attract a lot of expats.

If you are after an apartment the most popular areas are around Bur Dubai, the Sheikh Zayed Road with cheaper flats are available in Deira, Satwa and Karama. Some of the more exclusive apartment developments offer shared gym and pool facilities together with garaged car parking and the like.

Education

If you are considering moving to Dubai with family and are interested in finding out about the education system and the availability and quality of schools, one of the best ways is to ask around! Because of the numbers of expats in Dubai there is actually a large number of primary and secondary schools from which you can to choose. Most schools are private fee paying schools and really the best way to get an idea of the reputation of a school is to ask friends, colleagues and other expats who live in Dubai. Many of the schools also have their own websites where you can learn about the curriculum they follow, after school programs etc.

When it comes to enrolling your child in the UAE there are a few restrictions you should be aware of. For example you are not allowed to change your child's school during the academic year...unless approval is given by the Ministry of Education and the circumstances are 'special'. This means that you have to make sure the school you choose for your child will definitely suit them. Another restriction you should be aware of is that is you move to Dubai on or after the 1st May each year you can't enrol your child into the schooling system for that year. Instead you'll have to enrol for the beginning of the new school year which is usually the beginning of September.

Health

Another consideration you may have if thinking about relocation to Dubai may be the state of the health care system available there. It is fair to say that Dubai has many very well equipped hospitals and surgeries. Dubai's Department of Health and Medical Services runs Dubai, Rashid, Maktoum and Al Wasl hospitals, with Dubai Hospital one of the best medical centres in the entire Middle East. Al Wasl is a maternity and gynaecology hospital.

The Department of Health also run out patient clinics or surgeries and in addition there are a number of quality private hospitals in Dubai offering in and out patient facilities - e.g., The American and Welcare Hospitals. Overall both the private and publicly offered health care services in Dubai are first class.

Working

Working in Dubai you will enjoy a tax free salary and all shop goods can be bought at tax free prices, making it an incredibly attractive city to international workers and international companies. Job opportunities in Dubai and diverse and plentiful, particularly since the additions of the Media and Internet cities...Dubai is a city expanding its horizons at an unrivalled rate.

It is important to mention that some countries worldwide have tax laws enabling them to tax their nationals on their worldwide income. It is important to check your status with an international accountant before taking up employment in the city.

Lifestyle

Dubai has a thriving expat population who make the most of their tax free lifestyle in this amazing city of opportunity. The nightlife in the city is excellent, with cocktail bars, wine bars, themed bars and typical British or Irish pubs available, many of which offer food and entertainment as well.

High standard international cuisine is available in the city's many restaurants and if you are looking for lively evening entertainment there are numerous night clubs around the city. Some of the clubs attract international DJs; there are also Middle Eastern, Indian and Asian nightclubs offering entertainment with singers and dancers. Dubai also welcomes international touring singing and entertainment acts which cater to all tastes and ages...from traditional theatre groups to ballet, from opera to international rock and pop bands - all are regular visitors to the United Arab Emirates.

You can be assured of an exciting pace of life in Dubai and a high standard of living.

Dubai Lifestyle - The History of the City and Day to Day Life in Dubai

Rhiannon Williamson is an experienced publisher who has produced articles for leading travel and tourism guides and financial magazines. Her specialist knowledge about both travel and finance gives her site Shelter Offshore the unique ability to literally cover every single aspect of moving & living abroad - including the often less discussed offshore tax advantages that can be available when leaving our homeland.

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Networking Interview Questions

Here are the basic interview questions for the network administrators, system administrators and IT manager posts. These questions provide the basic information about the network communication technology, network topologies, network troubleshooting techniques, network devices and the basic overview of the LAN - WAN communication model.

What is DHCP?

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DHCP stands for Dynamic Host Configuration Technology. The basic purpose of the DHCP is to assign the IP addresses and the other network configuration such as DNS, Gateway and other network settings to the client computers. DHCP reduces the administrative task of manually assigning the IP addresses to the large number of the computers in a network.

Networking Interview Questions

What is DNS and how it works?

DNS stands for Domain name system and it translates (converts) the host name into the IP address and IP address into to the host name. Every domain and the computer on the internet is assigned a unique IP address. The communication on the internet and in the network is based on the IP addresses. IP addresses are in this format 10.1.1.100, 220.12.1.22.3, 1.1.1.1 etc. IP addresses can't be remembered but the host names are easy to remember instead of their IP addresses.

What is a Firewall?

Firewall is a protective boundary for a network and it prevents the unauthorized access to a network. Most of the Windows operating system such as Windows XP Professional has built-in firewall utilities. There are the large number of the third party firewall software and the basic purpose of all the firewall software and hardware is same i.e. to block the unauthorized user access to a network.

What is WAN?

WAN stands for wide area network and it covers the broader geographical area. Basically there are three types of a computer network LAN (Local Area Network), MAN (Metropolitan Area Network) and WAN (Wide Area Network). The communication in a WAN is based on the Routers. A WAN network can cover a city, country or continents.

Define VOIP Communication Technology

VOIP stands for Voice over IP and this technology is used for transmitted the voice over the IP based long distance network to make phone calls. VOIP phone calls are very cheap and a large number of the corporate offices and home users are using VOIP technology to make long distance phone calls.

What is Wi Max Technology?

Wi Max is a wireless broadband technology and it is a advance shape of the Wi Fi (which was a base band technology). Wi Max supports data, video and audio communication at the same time at a very high speed up to 70 Mbps.

Define Network Gateway

Network Gateway can be software or a hardware. A gateway is usually a joining point in a network i.e. it connects two networks. A computer with two LAN cards can act as a gateway.

What is a Router?

A router routes the traffic to its destination based on the source and destination IP addresses, which are placed in the routing software known as routing table.

How Fiber Optic Cable Works

Fiber optics provides the fastest communication medium for data and voice. Data can travel at the speed of light through the fiber optic cables. ISPs and corporate offices are usually connected with each other with the fiber optic cables to provide high speed connectivity.

What is File Server?

A file server is a computer in a network that authenticates the user access in a network such as Windows 2000/2003 Servers.

Define Seven Layers of OSI Model

There are seven layers of the OSI model. The basic purpose of these layers is to understand the communication system and data transmission steps. The seven layers are Application, Presentation, Session, Transport, Network, Data Link and Physical. You can remember the name of these layers by this phrase. "All people seems to need data processing".

Define GSM Technology

GSM is a short range wireless technology and is usually used in the mobile phones, hand help devices, MP3 players, Laptops, computers and in cars.

Networking Interview Questions

B. Bashir manages this website Networking Tutorials and regularly writes articles on various topics such as Computer Networking, Network Troubleshooting Tips Wireless Networking, Computer Hardware, Certifications, How Tos, Network Security Guide and computer tips.

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Best Places to Visit In Tagaytay City, Philippines

Tagaytay City is a tourist attraction for both local and foreign visitors. It lies on top of the highest point in the province of Cavite -- the Tagaytay Ridge. The Tagaytay Ridge is 2,100 feet above sea level and provides an amazing vantage point of view of Taal Volcano and Taal Lake in Batangas City. Taal Lake is popularly known as a lake within an island within a lake.

There are many ways to get to Tagaytay City whether you are going to drive or take the bus. Either way, the usual routes from Metro Manila are the South Luzon and Coastal Road Expressways. There are several bus companies that makes daily trips to Tagaytay. Their terminals can be found in Pasay City, EDSA and Baclaran.

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There are a lot of places that you can go to in Tagaytay. Tagaytay Picnic Grove, People's Park In The Sky and Tagaytay Highlands are popular places that are worth mentioning. Tagaytay Picnic Grove is the place to go to if you want to do just what its name implies. This is a place where you can sit down, relax and enjoy cheap thrills. Cottages or huts can be rented that ranges from PhP 100 to PhP 250, depending on the size. Formerly known as Palace In The Sky, People's Park In The Sky is former President Marcos' unfinished mansion that was touted to have been built specifically for the official state visit of the late former United States President Ronald Reagan and his wife. The said official state visit was canceled and so did building the mansion. You can get in for a measly PhP 20 entrance fee and most people who have been there says that it has the most spectacular view of the Taal Lake and Volcano. When you want to splurge, Tagaytay Highlands is for you. You are in for a treat if golf is your game because this place has two courses that is surrounded by terrains and ravines. There are lots of restaurants to try out, movie houses, indoor and outdoor swimming pools and a bowling place.

Best Places to Visit In Tagaytay City, Philippines

The places mentioned are just a few among the many establishments and facilities that can be found in the cool and breezy city of Tagaytay. A wide array of hotels and restaurants are spread all throughout which gives you a lot of choices to cater to your specific needs when you do plan on going to Tagaytay City.

Best Places to Visit In Tagaytay City, Philippines

Planning on going to Tagaytay City in the Philippines? Choose a place to stay in these comprehensive list of hotels in Tagaytay that gives you what you need to know whether you are willing to spend or on a tight budget. Check out the contact details, room rates, amenities, services and location map.

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A Quick Guide to Dallas Car Auctions

If you live in the Dallas-Forth Worth metropolitan area of Texas, then you can be proud that your city is a burgeoning economic center and boomtown. It is a core Southern state city for many vital US industries, including communication, computers, and transportation. Of course, Dallas is also known for being an oil industry hub. These factors make owning a car a big thing if you come from Dallas. If you don't have a car of your own in that city, it's like you're telling people that you don't really belong there.

But it's not at all difficult to gain ownership of a car in Dallas, no matter what your taste in vehicles might be. Whether you are into compact sedans or gas-guzzling SUVs and Hummers, you are sure to find what you are looking for in one of the numerous public car auctions. This is a city where driving a personal car is the most common means of transportation for the majority of the residents.

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Where there is a large population of car owners, there is also a large pool of vehicles available for the public auctions. These are cars that have been seized by the local government or police, or confiscated due to a traffic violation and not reclaimed. The auctions generally benefit the city, by providing financial compensation for unpaid fines.

A Quick Guide to Dallas Car Auctions

If you want to take part in a public car auction in Dallas, it would be best for you to find out when exactly such auctions are being held. They are often held regularly, on a specific schedule. You can find announcements in the newspapers at times, but it is better if you try to get the information yourself by calling the relevant agencies.

The Dallas police hold regular public auctions of cars, often through their officially accredited impounding garages or towing services. You should call the local police department nearest you to find out when these take place. Car auctions are also held by certain Dallas firms that specialize in them. Not all of these auctions are open to the public, but special public auctions may be held from time to time. You will just have to keep an eye of for announcements of that nature.

Attending a car auction may help you to find a great bargain on a used automobile. There are regular car auctions around the Dallas-Fort Worth area. Do your research, find out when regular auctions are held, check on used car prices, and ask about inspection periods for the vehicles on auction.

A Quick Guide to Dallas Car Auctions

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Grand Theft Auto Online Game

From the Grand Theft Auto: Vice City game to the Grand Theft Auto San Andreas game the action, the weapons the vehicles and even the terrain itself just keep getting bigger and bigger. Considering the mind blowing success that Grand Theft Auto games have had in their PC and PS2 versions it's no wonder that the Grand Theft Auto online game is already a favorite among players. All you need to do is connect to the Internet and you get to live in San Andreas and play the game as your favorite character. Together with your friends you can rule the city of San Andreas.

The Grand Theft Auto online game is a modification of the script for Grand Theft Auto San Andreas and it is designed for multiple players. When playing the Grand Theft Auto online game you actually get to live in the city of San Andreas. Like any other citizen you get to earn money, deposit the money in a bank or manage a bank account. When you start playing the Grand Theft Auto online game you get to choose which character you want to be, you can buy a house and a car in San Andreas, take a drive around the city, and spend the money you have earned any way you like.

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Like any other player you can also join a gang or even start a gang of your own. On the other hand, if your favorite character is a policeman you get to join the police and fight against the neighborhood gangs. The possibilities are unlimited when you are playing the Grand Theft Auto online game. The game will remember your online actions and when you return to play it will resume the action from where you left it the day before.

Grand Theft Auto Online Game

The Grand Theft Auto online game is a multiplayer game and therefore it does not have a particular script and it allows the action to unfold according to the players' wants. You and your friends can go online, live in San Andreas and make the rules or break the rules. The action and adventure are as intense as you want them to be, because you control everything that happens in the city.

Grand Theft Auto Online Game

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Some Interesting Facts About the City of Houston

Most will agree that the city of Houston is beautiful, with tall sleek skyscrapers rising up from lush green parks and between ribbons of blue water. But some may not realize just how great Houston really is. Did you know that Houston is the fourth-largest city in America and the biggest city in Texas? Houston was named after the President of the Republic of Texas at the time, a former general, Sam Houston. The city of Houston is a famous city for many reasons and more than 8 million visitors flock to the Houston Museum District alone. This area of the city has about 18 museums and most of them are free while the others will have special free admission hours.

The city was founded on August 30, 1836 by two brothers, John Kirby Allen and Augustus Chapman Allen. Since the discovery of oil in Houston in 1901, the city has continued to surge through the years. In the 1800s it was the temporary capital of the Republic of Texas. During the American Civil War, General John Bankhead Magruder called Houston headquarters and this is where the Battle of Galveston was organized. With the invention of air-conditioning in the 1950s, companies started flocking to the hot Houston area and caused an economic boom, especially in the energy sector. More economic booms were seen as NASA moved in during 1961. Then in 1965, the "Eighth Wonder of the World" opened. The Astrodome was the world's first in-door sports stadium with a dome.

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Did you know that the first word spoken from the moon was "Houston?" Remember that general whom the city was named after? Well, when he was a kid, he was friends with Will Rogers' uncle and father. Mr. Houston also ended up marrying Will Rogers' half-aunt. And a funny law that is still on the books in Houston states that it is against the law to sell Limburger cheese on Sundays.

Some Interesting Facts About the City of Houston

Just about everyone knows that summers in the city of Houston can get pretty hot, with most days hitting 90 degrees or more. Houston had its hottest day ever on September 4, 2000, where it reached 109 degrees Fahrenheit. Luckily, Houston has many air-conditioned buildings so people can go inside to cool off. Since winters are very mild and usually don't dip below 60 degrees snow is very rare in this city, with the record fall of two inches falling on December 4, 2009.

Some Interesting Facts About the City of Houston

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History of the Ancient City of Megara Hyblaea, Sicily

The ancient city of Megara Hyblaea is situated in south-east Sicily near Syracuse. It is popular with visitors hoping to learn a little of the ancient Greeks and their customs, and a history of the city is useful to help you make the most of your visit.

Megara Hyblaea was founded in the second half of the eighth century BC (according to tradition in 728 BC) by Dorian settlers, in an area where some existing Sicilian populations had already built their settlement called Hybla. Note: historically there were several places in Sicily that were called Hybla (eg Hybla Gereatide, Hybla Erea and Hybla Mègara) and it is not always clear which 'Hybla' the records are referring to.

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According to tradition, the founder of Megara, around the Gulf of Augusta, was King Hyblon, who welcomed the Megarians to his territory (although other sources suggest he had little choice...), who then founded Megara. It is said that the first inhabitants, known as Galeoti (who were believers of Apollo) were very adept at predicting the future, interpreting dreams and performing acts of magic and also that they were very superstitious.

History of the Ancient City of Megara Hyblaea, Sicily

The city developed with considerable attention to details and planning, with individual lots being entrusted to citizens for private homes each of the same size, while the Agorà was a free site set aside as a place of public assemblies (a model followed by the bastide town of south-west France 1600 years later).

The first development of Megara Hyblaea was so successful that the newcomers, a century later (628 BC), founded another very important city at Selinunte, another Greek outpost in south-western Sicily. The city based its business on the production of ceramics and on sea trade.

The Megara Hyblaea site has been identified in the plain of San Cusumano between Augusta and Melilli, and has provided many important archaeological remains (eg some traces of an ancient fortified village of the Neolithic period, foundations of three temples and ruins of a large building, city-walls and two necropolis).

From these it is clear that the city had a period of great splendour in the sixth century BC.

Over the centuries Megara Hyblaea had several difficult moments; and, in fact, was destroyed (about 482 BC) by Hiero (?-466), the tyrant of Syracuse. Reconstruction took place under Timoleon in the 4th century BC. The city was again destroyed by the Roman consul Marcellus in 213 BC who was besieging Syracuse at the time. According to tradition (but disputed by some scholars) Emperor Augustus (63 B.C.-14 A.D.) then rebuilt Megara and gave it the name of Augusta. This new city, however, did not arise exactly on the site of Megara Hyblaea, but rather it was built nearby where today we find the centre of Augusta and its imposing castle.

History of the Ancient City of Megara Hyblaea, Sicily

Plan your visit to this part of Sicily with our detailed guide to Megara Hyblaea and discover many more ancient historical settlements across the Mediterranean at visit Greece.

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A Complete Guide For Restaurant Real Estate Investments

Restaurants are a favorite commercial property for many investors because:

Tenants often sign a very long term, e.g. 20 years absolute triple net (NNN) leases. This means, besides the rent, tenants also pay for property taxes, insurance and all maintenance expenses. The only thing the investor has to pay is the mortgage, which in turn offers very predictable cash flow. There are either no or few landlord responsibilities because the tenant is responsible for maintenance. This allows the investor more time to do important thing in life, e.g. retire. All you do is take the rent check to the bank. This is one of the key benefits in investing in a restaurant or single-tenant property.
Whether rich or poor, people need to eat. Americans are eating out more often as they are too busy to cook and cleanup the pots & pans afterwards which often is the worst part! According to the National Restaurant Association, the nation's restaurant industry currently involves 937,000 restaurants and is expected to reach 7 billion in sales in 2007, compared to just 2 billion in 1997 and 0 billion in 1987 (in current dollars). In 2006, for every dollar Americans spend on foods, 48 cents were spent in restaurants. As long as there is civilization on earth, there will be restaurants and the investor will feel comfortable that the property is always in high demand.
You know your tenants will take very good care of your property because it's in their best interest to do so. Few customers, if any, want to go to a restaurant that has a filthy bathroom and/or trash in the parking lot.

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However, restaurants are not created equal, from an investment viewpoint.

A Complete Guide For Restaurant Real Estate Investments

Franchised versus Independent

One often hears that 9 out of 10 new restaurants will fail in the first year; however, this is just an urban myth as there are no conclusive studies on this. There is only a study by Associate Professor of Hospitality, Dr. H.G. Parsa of Ohio State University who tracked new restaurants located in the city Columbus, Ohio during the period from 1996 to 1999 (Note: you should not draw the conclusion that the results are the same everywhere else in the US or during any other time periods.) Dr. Parsa observed that seafood restaurants were the safest ventures and that Mexican restaurants experience the highest rate of failure in Columbus, OH. His study also found 26% of new restaurants closed in the first year in Columbus, OH during 1996 to 1999. Besides economic failure, the reasons for restaurants closing include divorce, poor health, and unwillingness to commit immense time toward operation of the business. Based on this study, it may be safe to predict that the longer the restaurant has been in business, the more likely it will be operating the following year so that the landlord will continue to receive the rent.

For franchised restaurants, a franchisee has to have a certain minimal amount of non-borrowed cash/capital, e.g. 0,000 for McDonald's, to qualify. The franchisee has to pay a one-time franchisee fee about ,000 to ,000. In addition, the franchisee has contribute royalty and advertising fees equal to about 4% and 3% of sales revenue, respectively. In turn, the franchisee receives training on how to set up and operate a proven and successful business without worrying about the marketing part. As a result, a franchised restaurant gets customers as soon as the open sign is put up. Should the franchisee fail to run the business at the location, the franchise may replace the current franchisee with a new one. The king of franchised hamburger restaurants is the fast-food chain McDonald's with over 32000 locations in 118 countries (about 14,000 in the US) as of 2010. It has .2B in sales in 2011 with an average of .4M in revenue per US location. McDonald's currently captures over 50% market share of the billion US hamburger restaurant market. Its sales are up 26% in the last 5 years. Distant behind is Wendy's (average sales of .5M) with .5B in sales and 5904 stores. Burger King ranks third (average sales of .2M) with .4B in sale, 7264 stores and 13% of the hamburger restaurant market share (among all restaurant chains, Subway is ranked number two with .4B in sales, 23,850 stores, and Starbucks number 3 with .8B in sales and 11,158 stores). McDonald's success apparently is not the result of how delicious its Big Mac tastes but something else more complex. Per a survey of 28,000 online subscribers of Consumer Report magazine, McDonald's hamburgers rank last among 18 national and regional fast food chains. It received a score of 5.6 on a scale of 1 to 10 with 10 being the best, behind Jack In the Box (6.3), Burger King (6.3), Wendy's (6.6), Sonic Drive In (6.6), Carl's Jr (6.9), Back Yard Burgers (7.6), Five Guys Burgers (7.9), and In-N-Out Burgers (7.9).

Fast-food chains tend to detect new trends faster. For example, they are open as early as 5AM as Americans are increasingly buying their breakfasts earlier. They are also selling more cafe; latte; fruit smoothies to compete with Starbucks and Jumba Juice. You also see more salads on the menu. This gives customers more reasons to stop by at fast-food restaurants and make them more appealing to different customers.

With independent restaurants, it often takes a while to for customers to come around and try the food. These establishments are especially tough in the first 12 months of opening, especially with owners of minimal or no proven track record. So in general, "mom and pop" restaurants are risky investment due to initial weak revenue. If you choose to invest in a non-brand name restaurant, make sure the return is proportional to the risks that you will be taking.

Sometimes it is not easy for you to tell if a restaurant is a brand name or non-brand name. Some restaurant chains only operate, or are popular in a certain region. For example, WhatABurger restaurant chain with over 700 locations in 10 states is a very popular fast-food restaurant chain in Texas and Georgia. However, it is still unknown on the West Coast as of 2012. Brand name chains tend to have a website listing all the locations plus other information. So if you can find a restaurant website from Google or Yahoo you can quickly discern if an unfamiliar name is a brand name or not. You can also obtain basic consumer information about almost any chain restaurants in the US on Wikipedia.

The Ten Fastest-Growing Chains in 2011 with Sales Over 0 Million
According to Technomic, the following is the 10 fastest growing restaurant chains in terms of revenue change from 2010 to 2011:

Five Guys Burgers and Fries with 1M in sales and 32.8% change. Chipotle Mexican Grill with .261B in sales and 23.4% change. Jimmy John's Gourmet Sandwich Shop with 5M in sales and 21.8% change. Yard House with 2M in sales and 21.5% change. Firehouse Subs with 5M in sales and 21.1% change. BJ's Restaurant & Brewhouse with 1M in sales and 20.9% change. Buffalo Wild Wings Grill & Bar with .045B in sales and 20.1% change. Raising Cane's Chicken Fingers with 6M in sales and 18.2% change. Noodles & Company with 0M in sales and 14.9% change from. Wingstop with 2M in sales and 22.1% change.

Lease & Rent Guaranty

The tenants often sign a long term absolute triple net (NNN) lease. This means, besides the base rent, they also pay for all operating expenses: property taxes, insurance and maintenance expenses. For investors, the risk of maintenance expenses uncertainty is eliminated and their cash flow is predictable. The tenants may also guarantee the rent with their own or corporate assets. Therefore, in case they have to close down the business, they will continue paying rent for the life of the lease. Below are a few things that you need to know about the lease guaranty:

In general, the stronger the guaranty the lower the return of your investment. The guaranty by McDonald's Corporation with a strong "A" S&P corporate rating of a public company is much better than a small corporation owned by a franchisee with a few restaurants. Consequently, a restaurant with a McDonald's corporate lease normally offers low 4.5-5% cap (return of investment in the 1st year of ownership) while McDonald's with a franchisee guaranty (over 75% of McDonalds restaurants are owned by franchisees) may offer 5-6% cap. So figure out the amount of risks you are willing to take as you won't get both low risks and high returns in an investment.
Sometimes a multi-location franchise will form a parent company to own all the restaurants. Each restaurant in turn is owned by a single-entity Limited Liabilities Company (LLC) to shield the parent company from liabilities. So the rent guaranty by the single-entity LLC does not mean much since it does not have much assets.
A good, long guaranty does not make a lemon a good car. Similarly, a strong guaranty does not make a lousy restaurant a good investment. It only means the tenant will make every effort to pay you the rent. So don't judge a property primarily on the guaranty.
The guaranty is good until the corporation that guarantees it declares bankruptcy. At that time, the corporation reorganizes its operations by closing locations with low revenue and keeping the good locations, (i.e. ones with strong sales). So it's more critical for you to choose a property at a good location. If it happens to have a weak guaranty, (e.g. from a small, private company), you will get double benefits: on time rent payment and high return.
If you happen to invest in a "mom & pop" restaurant, make sure all the principals, e.g. both mom and pop, guarantee the lease with their assets. The guaranty should be reviewed by an attorney to make sure you are well protected.

Location, Location, Location

A lousy restaurant may do well at a good location while those with a good menu may fail at a bad location. A good location will generate strong revenue for the operator and is primarily important to you as an investor. It should have these characteristics:

High traffic volume: this will draw more customers to the restaurant and as a result high revenue. So a restaurant at the entrance to a regional mall or Disney World, a major shopping mall, or colleges is always desirable.
Good visibility & signage: high traffic volume must be accompanied by good visibility from the street. This will minimize advertising expenses and is a constant reminder for diners to come in.
Ease of ingress and egress: a restaurant located on a one-way service road running parallel to a freeway will get a lot of traffic and has great visibility but is not at a great location. It's hard for potential customers to get back if they miss the entrance. In addition, it's not possible to make a left turn. On the other hand, the restaurant just off freeway exit is more convenient for customers.
Excellent demographics: a restaurant should do well in an area with a large, growing population and high incomes as it has more people with money to spend. Its business should generate more and more income to pay for increasing higher rents.
Lots of parking spaces: most chained restaurants have their own parking lot to accommodate customers at peak hours. If customer cannot find a parking space within a few minutes, there is a good chance they will skip it and/or won't come back as often. A typical fast food restaurant will need about 10 to 20 parking spaces per 1000 square feet of space. Fast food restaurants, e.g. McDonald's will need more parking spaces than sit down restaurants, e.g. Olive Garden.
High sales revenue: the annual gross revenue alone does not tell you much since larger--in term of square footage--restaurant tends to have higher revenue. So the rent to revenue ratio is a better gauge of success. Please refer to rent to revenue ratio in the due diligence section for further discussion.
High barriers to entry: this simply means that it's not easy to replicate this location nearby for various reasons: the area simply does not have any more developable land, or the master plan does not allow any more construction of commercial properties, or it's more expensive to build a similar property due to high cost of land and construction materials. For these reasons, the tenant is likely to renew the lease if the business is profitable.

Financing Considerations

In general, the interest rate is a bit higher than average for restaurants due to the fact that they are single-tenant properties. To the lenders, there is a perceived risk because if the restaurant is closed down, you could potentially lose 100% of your income from that restaurant. Lenders also prefer national brand name restaurants. In addition, some lenders will not loan to out-of-state investors especially if the restaurants are located in smaller cities. So it may be a good idea for you to invest in a franchised restaurant in major metro areas, e.g. Atlanta, Dallas. In 2009 it's quite a challenge to get financing for sit-down restaurant acquisitions, especially for mom and pop and regional restaurants due to the tight credit market. However, things seem to have improved a bit in 2010. If you want to get the best rate and terms for the loan, you should stick to national franchised restaurants in major metros.

When the cap rate is higher than the interest rate of the loan, e.g. cap rate is 7.5% while interest rate is 6.5%, then you should consider borrowing as much as possible. You will get 7.5% return on your down payment plus 1% return for the money you borrow. Hence your total return (cash on cash) will be higher than the cap rate. Additionally, since the inflation in the near future is expected to be higher due to rising costs of fuel, the money which you borrow to finance your purchase will be worth less. So it's even more beneficial to maximize leverage now.

Due Diligence Investigation

You may want to consider these factors before deciding to go forward with the purchase:

Tenant's financial information: The restaurant business is labor intensive. The average employee generates only about ,000 in revenue annually. The cost of goods, e.g. foods and supplies should be around 30-35% of revenue; labor and operating expenses 45-50%; rent about 7-12%. So do review the profits and loss (P&L) statements, if available, with your accountant. In the P&L statement, you may see the acronym EBITDAR. It stands for Earnings Before Income Taxes, Depreciation (of equipment), Amortization (of capital improvement), and Rent. If you don't see royalty fees in P&L of a franchised restaurant or advertising expenses in the P&L of an independent restaurant, you may want to understand the reason why. Of course, we will want to make sure that the restaurant is profitable after paying the rent. Ideally, you would like to see net profits equal to 10-20% of the gross revenue. In the last few years the economy has taken a beating. As a result, restaurants have experienced a decrease in gross revenue of around 3-4%. This seems to have impacted most, if not all, restaurants everywhere. In addition, it may take a new restaurant several years to reach potential revenue target. So don't expect new locations to be profitable right away even for chained restaurants.
Tenant's credit history: if the tenant is a private corporation, you may be able to obtain the tenant's credit history from Dun & Bradstreet (D&B). D&B provides Paydex score, the business equivalent of FICO, i.e. personal credit history score. This score ranges from 1 to 100, with higher scores indicating better payment performance. A Paydex score of 75 is equivalent to FICO score of 700. So if your tenant has a Paydex score of 80, you are likely to receive the rent checks promptly.
Rent to revenue ratio: this is the ratio of base rent over the annual gross sales of the store. It is a quick way to determine if the restaurant is profitable, i.e. the lower the ratio, the better the location. As a rule of thumb you will want to keep this ratio less than 10% which indicates that the location has strong revenue. If the ratio is less than 7%, the operator will very likely make a lot of money after paying the rent. The rent guaranty is probably not important in this case. However, the rent to revenue ratio is not a precise way to determine if the tenant is making a profit or not. It does not take into account the property taxes expense as part of the rent. Property taxes--computed as a percentage of assessed value--vary from states to states. For example, in California it's about 1.25% of the assessed value, 3% in Texas, and as high as 10% in Illinois. And so a restaurant with rent to income ratio of 8% could be profitable in one state and yet be losing money in another.
Parking spaces: restaurants tend to need a higher number of parking spaces because most diners tend to stop by within a small time window. You will need at least 8 parking spaces per 1000 Square Feet (SF) of restaurant space. Fast food restaurants may need about 15 to 18 spaces per 1000 SF.
Termination Clause: some of the long term leases give the tenant an option to terminate the lease should there be a fire destroying a certain percentage of the property. Of course, this is not desirable to you if that percentage is too low, e.g. 10%. So make sure you read the lease. You also want to make sure the insurance policy also covers rental income loss for 12-24 months in case the property is damaged by fire or natural disasters.
Price per SF: you should pay about 0 to 0 per SF. In California you have to pay a premium, e.g. 00 per SF for Starbucks restaurants which are normally sold at very high price per SF. If you pay more than 0 per SF for the restaurant, make sure you have justification for doing so.
Rent per SF: ideally you should invest in a property in which the rent per SF is low, e.g. to per SF per month. This gives you room to raise the rent in the future. Besides, the low rent ensures the tenant's business is profitable, so he will be around to keep paying the rent. Starbucks tend to pay a premium rent to 4 per SF monthly since they are often located at a premium location with lots of traffic and high visibility. If you plan to invest in a restaurant in which the tenant pays more than per SF monthly, make sure you could justify your decision because it's hard to make a profit in the restaurant business when the tenant is paying higher rent. Some restaurants may have a percentage clause. This means besides the minimum base rent, the operator also pays you a percentage of his revenue when it reaches a certain threshold.
Rent increase: A restaurant landlord will normally receive either a 2% annual rent increase or a 10% increase every 5 years. As an investor you should prefer 2% annual rent increase because 5 years is a long time to wait for a raise. You will also receive more rent with 2% annual increase than 10% increase every 5 years. Besides, as the rent increases every year so does the value of your investment. The value of restaurant is often based on the rent it generates. If the rent is increased while the market cap remains the same, your investment will appreciate in value. So there is no key advantage for investing in a restaurant in a certain area, e.g. California. It's more important to choose a restaurant at a great location.
Lease term: in general investors favor long term, e.g. 20 year lease so they don't have to worry about finding new tenants. During a period with low inflation, e.g. 1% to 2%, this is fine. However, when the inflation is high, e.g. 4%, this means you will technically get less rent if the rent increase is only 2%. So don't rule out properties with a few years left of the lease as there may be strong upside potential. When the lease expires without options, the tenant may have to pay much higher market rent.
Risks versus Investment Returns: as an investor, you like properties that offer very high return, e.g. 8% to 9% cap rate. And so you may be attracted to a brand new franchised restaurant offered for sale by a developer. In this case, the developer builds the restaurants completely with Furniture, Fixtures and Equipment (FFEs) for the franchisee based on the franchise specifications. The franchisee signs a 20 years absolute NNN lease paying very generous rent per SF, e.g. to per SF monthly. The new franchisee is willing to do so because he does not need to come up with any cash to open a business. Investors are excited about the high return; however, this may be a very risky investment. The one who is guaranteed to make money is the developer. The franchisee may not be willing to hold on during tough times as he does not have any equity in the property. Should the franchisee's business fails, you may not be able to find a tenant willing to pay such high rent, and you may end up with a vacant restaurant.
Track records of the operator: the restaurant being run by an operator with 1 or 2 recently-open restaurants will probably be a riskier investment. On the other hand, an operator with 20 years in the business and 30 locations may be more likely to be around next year to pay you the rent.
Trade fixtures: some restaurants are sold with trade fixtures so make sure you document in writing what is included in the sale.
Fast-food versus Sit-down: while fast-food restaurants, e.g. McDonalds do well during the downturn, sit-down family restaurants tend to be more sensitive to the recession due to higher prices and high expenses. These restaurants may experience double-digit drop in year-to-year revenue. As a result, many sit-down restaurants were shut down during the recession. If you consider investing in a sit-down restaurant, you should choose one in an area with high income and large population.

Sale & Lease Back

Sometimes the restaurant operator may sell the real estate part and then lease back the property for a long time, e.g. 20 years. A typical investor would wonder if the operator is in financial trouble so that he has to sell the property to pay for his debts. It may or may not be the case; however, this is a quick and easy way for the restaurant operator to get cash out of the equities for good reason: business expansion. Of course, the operator could refinance the property with cash out but that may not be the best option because:

He cannot maximize the cash out as lenders often lend only 65% of the property value in a refinance situation. The loan will show as long term debt in the balance sheet which is often not viewed in a positive light. The interest rates may not be as favorable if the restaurant operator does not have a strong balance sheet. He may not be able to find any lenders due to the tight credit market.

You will often see 2 different cash out strategies when you look at the rent paid by the restaurant operator:

Conservative market rent: the operator wants to make sure he pays a low rent so his restaurant business has a good chance of being profitable. He also offers conservative cap rate to investors, e.g. 7% cap. As a result, his cash out amount is small to moderate. This may be a low risk investment for an investor because the tenant is more likely to be able to afford the rent.
Significantly higher than market rent: the operator wants to maximize his cash out by pricing the property much higher than its market value, e.g. M for a M property. Investors are sometimes offered high cap rate, e.g. 10%. The operator may pay of rent per square foot in an area where the rent for comparable properties is per square foot. As a result, the restaurant business at this location may suffer a loss due to higher rents. However, the operator gets as much money as possible. This property could be very risky for you. If the tenant's business does not make it and he declares bankruptcy, you will have to offer lower rent to another tenant to lease your building.

Ground Lease

Occasionally you see a restaurant on ground lease for sale. The term ground lease may be confusing as it could mean

You buy the building and lease the land owned by another investor on a long-term, e.g. 50 years, ground lease.
You buy the land in which the tenant owns the building. This is the most likely scenario. The tenant builds the restaurant with its own money and then typically signs a 20 years NNN lease to lease the lot. If the tenant does not renew the lease then the building is reverted to the landowner. The cap rate is often 1% lower, e.g. 6 to 7.25 percent, compared to restaurants in which you buy both land and building.

Since the tenant has to invest a substantial amount of money (whether its own or borrowed funds) for the construction of the building, it has to be double sure that this is the right location for its business. In addition, should the tenant fail to make the rent payment or fail to renew the lease, the building with substantial value will revert to you as the landowner. So the tenant will lose a lot more, both business and building, if it does not fulfill its obligation. And thus it thinks twice about not sending in the rent checks. In that sense, this is a bit safer investment than a restaurant which you own both the land and improvements. Besides the lower cap rate, the major drawbacks for ground lease are

There are no tax write-offs as the IRS does not allow you to depreciate its land value. So your tax liabilities are higher. The tenants, on the other hand, can depreciate 100% the value of the buildings and equipments to offset the profits from the business.
If the property is damaged by fire or natural disasters, e.g. tornados, some leases may allow the tenants to collect insurance proceeds and terminate the lease without rebuilding the properties in the last few years of the lease. Unfortunately, this author is not aware of any insurance companies that would sell fire insurance to you since you don't own the building. So the risk is substantial as you may end up owning a very expensive vacant lot with no income and a huge property taxes bill.
Some of the leases allow the tenants not having to make any structure, e.g. roof, repairs in the last few years of the lease. This may require investors to spend money on deferred maintenance expenses and thus will have negative impact on the cash flow of the property.

A Complete Guide For Restaurant Real Estate Investments

David V. Tran is the Chief Investment Advisor at Transmercial, a commercial real estate & loan brokerage company in San Jose, CA. His website is www.transmercial.com. He may be contacted at (408) 288-5500. Transmercial does business in all 50 states. David currently offers 2 FREE real estate investment seminars/webinars:

How to invest in commercial real estate. How to maximize cash flow with 1031 tax-deferred exchange.

David's blog features a daily list of 10 Best Commercial Properties in 50 states.

You are welcome to share this report, unedited and in its entirety, with anyone you like. You may not remove this text. © 2007-2012 Transmercial.

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How To Plan A Banquet - A Guide To Planning Perfect Banquets For Company Or Private Parties

First time planners are often stricken with complete fear! Even those that plan events over and over again still fear that something will go wrong and they will be the subject of ridicule. Hopefully we can allay the fears and quell the butterflies in your stomach by helping you through the entire project.

There are a lot of questions you need to ask. First timers probably don't have the foggiest idea what questions to ask, so, the first thing we'd better do is outline these for you.

City Guides And Information

Perhaps the easiest way to do that is to fill out a form. (I love forms!)
If you were to phone me and ask me to help you make arrangements for a special event, the first thing I would do is reach for a blank form, and over the phone we would fill it out. When I had all the information, I would be better prepared to help you.

How To Plan A Banquet - A Guide To Planning Perfect Banquets For Company Or Private Parties

Before you continue reading, you may want to print the banquet planning worksheet(PDF) from my website. That way you can follow along with the worksheet as I describe the planning process. I've also included a pre filled sample planning worksheet that you might help.

Let's begin with fact finding.

PURPOSE

The first question to ask is, "What is the purpose of the event?" This question should be really easy, but it's perhaps the most important. The purpose of your event will determine your event's agenda.

DATE

Break out your calendar to decide a date for your event. Look for possible conflicts. It might be tough to get people out to a Saturday night banquet if it's a three-day holiday. It would be unwise to put on a church social if your local school, where most of your congregation had children attending, were having an open house or play that night.

Pencil in a date and then try to think of possible conflicts. I know of one organization that booked a very popular and relatively expensive Jewish comic into the club house of a predominantly Jewish retirement community. Attempts to sell tickets failed miserably, because they had not realized they had scheduled his appearance on a Jewish holiday - a very expensive oversight!

BUDGET

There are many, many determining factors in establishing a budget. First of all, how many are expected to attend? You might have a pretty good idea for a company party, but in some cases you might just have to make a "guess-timate" until you can get more information. Make the best possible estimate based on what facts you have, and proceed.

TICKET PRICE

Another factor to determine before we select a location is how much your attendees are willing to pay. Sure, we can work the other way: we can pick a location, hire a band, select the menu, etc., and then add up how much it all costs and thus determine how much everyone needs to pay, but doing so will probably leave you hurting in the end.

If you expect 1,000 people, and you determine .00 a person is acceptable, then your entire budget for food, printing, entertainment, etc., is ,000. If you expect only 20 people and you know they won't come if it's over .00 a person, then you know you're far more limited.

LOCATION

Determine the geographical area where the event is to take place. If you live in the area where the event will take place, you may already know of various hotels, country clubs, restaurants or catering halls that can accommodate your group. If you don't live in the area, be sure to go look at the potential location before you book it. If the event is in a distant city and it's not possible for you to travel there, and the event is a significant one, I suggest you hire a professional meeting planner.

I once attended a banquet in a quaint "50's malt-shop-type restaurant. The party planner had not gone there to look at the room where the party was to be. She had just taken the word of a friend. True, it was a great restaurant, but their "room" had about 5 permanent booths on each wall. Guests were facing in all different directions. This made it almost impossible for the magician they had hired to perform. To further confuse the issue, it was not even a private room. Restaurant customers could not get to the restroom without disturbing the party, and the 50's music continued to blare through the ceiling speakers throughout the evening because it was piped throughout the whole restaurant and could not be isolated from one room. A visit beforehand could have prevented this nightmare.

Many, if not most, facilities do not charge a fee for the use of the room but instead absorb the rental fee into the price of the meal. For instance, in our example of 200 people, a banquet facility would be delighted to supply a private room in order to sell 200 dinners.

Usually they will have several dinners to choose from - perhaps a chicken dinner, complete with beverage, salad and dessert, for .00 per person; or prime rib at .00 each; or sirloin steaks at .00 per person. In our example we are charging .00 per person. Let's select the prime rib at .00.

Does that include tax and tip? Oh, Oh! Find out if it does, or you may get a surprise at the end of the night. Let's say it does not. 15% tip and 8% (or whatever) tax makes the dinner a total of .14 per person. Our sample budget calls for 200 people at .00 each for a total of ,000. If all 200 people attend, dinner will cost ,428. That leaves ,572 for all other costs.

By the way, the facility may ask you for a deposit and guarantee. If you guarantee 200 people, you will have to pay for 200 dinners even if only 175 show up. Generally, a facility is prepared to serve about 10% more people than you guarantee. So it makes sense to guarantee a lesser number than you expect. Even some of those who told you absolutely they would be there, maybe even gave you a deposit, don't show for one reason or another.

Just to be on the safe side, in our example of 200 people, I would guarantee the restaurant 185. If you're pre selling tickets, which I recommend, you can always adjust your estimate upwards with the restaurant a day or two ahead of time if needed. Ask the facility about their requirements in regard to a change in the guarantee.

AGENDA

The evening agenda is largely determined by the event's purpose. A typical event might go like this:

6:00 - 7:00 - Social or cocktail hour

7:00 - 8:00 - Dinner

8:00 - 8:15 - Meeting/Awards/Business

8:15 - 9:00 - Entertainment/Speaker

9:00 - 9:10 - Raffle/Door Prizes

9:10 - 1:00 - Dancing

Having an hour to "gather" is always good. You and the facility both will want everyone present when you actually sit down to eat. It's been my experience that almost everything starts late, so plan for it and don't be disappointed when it happens.

Will you be having a cocktail hour? A "Hosted" bar means that drinks are free to the party-goers. If you choose to host the cocktail hour, be prepared to spend about 00 for our sample group of 200 people. Most organization-sponsored events have a 'No-Host' bar, in which guests buy their own drinks. It's appropriate to announce 'Hosted', or 'No-Host' in the invitation.

Some form of entertainment during the cocktail hour is certainly a plus. The facility may have music piped in through its sound system, which is certainly the most economical; however, for around 0 you could have live music. Most banquet facilities have a piano, sometimes on wheels, and will let you either rent the piano or use it for free. Fee for the piano rental should be around to 0 and a piano player anywhere from 0 to 0.

Other cocktail hour entertainment could include a chamber group, a jazz or "society" trio, harpist, or a strolling accordionist. A strolling "close-up" magician, performing from group to group or table to table, is always fun. Other forms of entertainment for the cocktail hour could include celebrity look-alikes, mechanical or conventional mimes, a balloon animal sculptor, caricaturist, graphologist, palm reader, tarot card reader, stilt walker, or just about anything else you can think of! Again, your budget is your gauge.

DINNER

This is pretty easy. When the Maitre'd says dinner is ready, have your party sit down!

The vast majority of banquets have certain people assigned to sit at the head table while everyone else may sit where they wish. If you choose to have a head table, you should make small place markers for those assigned to sit at the head table, and don't forget to discuss table arrangements with the facility.

OPENING

Someone, perhaps you, should step to the microphone and announce that dinner is ready and ask everyone to take a seat. When this has been accomplished your President, or whoever is presiding, should welcome everyone.

It is appropriate at most banquets to have someone lead the flag salute, followed by a blessing on the food. People should not be called upon for these jobs extemporaneously, but should be asked in advance and their names and responsibilities should be listed on the printed program if there is one. Following the flag salute and prayer, your Master of Ceremonies (or who ever is conducting) should introduce the people sitting at the head table, introducing himself last.

THE PROGRAM

If business of any sort needs to be conducted, begin when dessert is finished, or at least served. Make sure that the facility knows that you do not want any bussing (clearing of tables) or coffee served after the program starts, as it can become an irritating distraction and take away from the enjoyment of the program.

ENTERTAINMENT

Following opening remarks, and/or other business, you could either introduce the main speaker, or present some form of entertainment.

This could be the highlight of the evening! There are many outstanding after-dinner performers and speakers. If you really want to have a successful event, hire a professional. At this writing 0 to ,000 can buy you some pretty top-notch entertainment.

How about a comedian-magician who uses a member or two of your group and does some hilarious bits of business and audience participation magic tricks - 30 or 40 minutes of non-stop laughs!

Or picture this...the dessert has just been served and in walks "Lt. Columbo," complete with overcoat and cigar..."Oh, excuse me," he says, "I was looking for somebody else." All eyes are riveted on this familiar figure as he turns and starts to walk out. "Oh, one more thing, is this the Walker party?' Then for the next 30 minutes or so he does a comedy routine in the style and delivery of Peter Falk as Lt. Columbo, using names of people in your group.

That will rock your people out of their seats with laughter. These are just a couple of suggestions. Everybody loves to laugh, and a good professional entertainer can make you a hero.

How do you find that kind of entertainment? Again, watch out for the well-meaning friend. Sometimes hiring a friend of a friend who tells jokes or plays the banjo can put a wet blanket on the evening if they don't live up to your expectations.

Probably the best way to secure talent is to work with a professional talent agent that specializes in special events. Ordinarily there is no fee for his services. He can make recommendations and suggestions based on what your needs are, and work within your budget limitations.

Some entertainers may have special requirements, like a stage, spotlight, two mics or something else, and these items need to be arranged with the facility. There may be a rental fee involved.

RAFFLE/DOOR PRIZES

Giving away door prizes or raffle prizes should not be held until after the entertainment or main speaker. Perhaps it's an inducement for your guests to stay until the end.

If you're selling raffle tickets, again you need to make out a budget. How many tickets do you expect to sell and for how much money? Do you want to make a profit? Let's say you expect to sell 100 tickets to those 200 people expected to come, and we sell them at the banquet for .00 each. That'll give you 0 to buy prizes with. You can put this in your general budget or assign someone to take care of the whole raffle, including purchasing the prizes and selling the tickets.

DANCING

Following the raffle, the formal portion of the program is really over. Your people can now go home. If you've elected to have a deejay or band, they may stay for dancing.

The facility might charge to set up a dance floor. Sometimes this is a portable dance floor they build right on top of the carpet. A band will cost anywhere from 0 per band member to 0 per band member for four hours. A small trio of keyboard, drum and guitar could be anywhere from 0 to ,500.

An ,800 to ,500 five-piece band, including a vocalist, is average. If you hire a band, you may be able to use one or more of those same musicians to provide cocktail hour and/or dinner music for a small additional fee. You normally need to make a deposit at the time you hire the band. Anything over four hours' playing time is considered overtime, and you should talk with the band or agent about the cost of overtime when you make the initial arrangements. Bands also need to take a 10-15 minute break each hour. Ask if the band will supply recorded music during their breaks.

MOBILE DEEJAY

Sometimes you might prefer a DeeJay playing recorded music instead of hiring a band. This gives you the advantage of hearing the original recording artist instead of a dance band's rendition.

Another advantage is that most mobile DeeJay units will set up before dinner and offer to play dinner music at no additional cost, and of course, a DeeJay does not take a break during the evening, so you have non stop music for your event.

Cost-wise, there is not a lot of difference between a 3-piece band and a DeeJay. Some DeeJays offer a full light-show that few bands do, and even with an additional charge, this could be a real plus. I think it's just a matter of taste. Some people insist on a live band and others are just as adamant about a DeeJay.

PHOTOGRAPHER OR VIDEOGRAPHER

Video taping an event, except for historical purposes, is unnecessary. Seldom will the video tape or DVD be watched more than once after the event. Yes, maybe a Bar or Bat Mitzvah will watch his or her recording years later when they grow older, and maybe even a bride and groom would watch a well-edited and condensed recording. A company or organization's banquet, however, will be seldom if ever watched.

I would recommend that you hire, budget permitting, a professional photographer rather than leaving it up to one of your guests or a friend of a friend who only takes photos twice a year. You can have the photographer deliver prints or a CD of digital photographs in which case you could print just the photos you want.

PROMOTION

Probably the most traumatic thing that could occur is that you planned the entire event and then no one came. If it's a company party and the food, entertainment, drinks and dancing are all free, I don't think you will have a problem, as long as you let everybody know when and where and that it's FREE!

But if that's not the situation, you may need to promote the event. Once you have all the facts (WHAT, WHEN, WHERE, WHY, WHO, and HOW MUCH), you can create a flyer - a piece of paper with all the facts on it, designed to motivate people to attend.

If you're an artist, great! You can create the flyer yourself. If not, maybe someone in your group is and they can help you. Otherwise, you need to "rough it out" the way you'd want it and take it to a graphic artist to do the "camera-ready copy" for you, then off to a printer to print however many you're going to need. How many you need will depend on how you're going to distribute them.

The layout, printing, envelopes and postage all need to go into your budget. There are, of course, additional ways you can promote the event - word of mouth, bulletin boards, phone committee, club or company newsletter, posters. If your event will be open to people outside your organization, you might try using the publicity channels of other related groups, companies, schools, etc., as well as your own. Have a "brainstorming session" with your committee, if you have one, to think of all the ways you can get the word out.

And remember that if you want people to come to your activity, you can't just tell them. You have to tell them and tell them and tell them! Use all the resources at your disposal, and don't hesitate to repeat yourself. The more times you tell them, the more will come!

TICKET SALES

There are as many ways to handle this as there are ways to promote the event. If you have to lay out funds ahead of time (which is usually the case), it is good to get as much money as you can up front. Pre selling your tickets will help you do that. Of course, your publicity must state your requirements and deadlines. This also will help you get a handle on how many are going to attend. Remember though, that there will still be some last minute cancellations and additions, so stay flexible.

TABLE ASSIGNMENTS

As mentioned earlier, most organizations assign only the head table, and the rest of the attendees are left to sit where they wish. Some groups insist on drawing pictures of the tables on a sheet of paper, numbering them, and then assigning people to specific tables.

I think it's far more work than necessary, but if you must, then have at it.
Some banquets, especially those honoring individuals or groups, offer entire tables "for sale." 10 people per table at each means that for 0 someone could reserve a whole table. Make sure you put a "reserved" sign on that table, showing the name of the host.

THE PRINTED PROGRAM

When all the facts are in, if the budget will permit, a nice printed program could be put at each place setting or handed out as people arrive. It should contain the agenda for the evening and credits given to all those who contributed to the event.

Many organizations have been successful in selling ads in the program to defray the cost of printing or even to raise some extra money. I've put 0 income under the income column of our example. Don't you think you could convince 10 people to give you their business card and pay to be advertised on the back page of the program? Of course, this idea could be a little tacky if the event is to celebrate little Bobbie's 10th birthday. Use your best judgment.

DECORATIONS

This could be a big item or not - strictly up to you. If you picked a beautiful location, and it's not a special seasonal event like a Christmas or Halloween party, why not just enjoy the facility's decor? If you feel you need decorations and you have a sufficient budget, call a party decorator who uses balloons. They go a long way towards dressing up a room without spending a lot of money.

Centerpieces on each table look nice. You can ask someone to donate these or have someone clever make something for each table. Many facilities make such a nice table layout that a centerpiece is not necessary. Don't spend money unnecessarily, but do remember that the nicer the ambience, the better the memories or the event will be in the minds of those who attend, which means that they will want to come to your next event, too!

One note of caution. If you're having entertainment, be careful that large
centerpieces, particularly balloons, don't block the view of the performing area or even the people sitting on the opposite side of the table who want to see and talk to each other.

YOU DID IT!

Yes, you will fret and worry until the whole thing is over, but every party planner does. Just relax, do your best and enjoy! (Here's a secret: If you enjoy what you're doing, the people you are doing it for will enjoy it, too!)

How To Plan A Banquet - A Guide To Planning Perfect Banquets For Company Or Private Parties

Al Lampkin is President of Al Lampkin Magic. He has been an event producer and entertainer since 1962.

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Top WOTLK Howling Fjord Guide - Wrath of the Lich King Strategy & Leveling Guides

It has been made known to the eagerly awaiting public that one of the entry points in the Wrath of the Lich King expansion is the Howling Ford. This zone will be accessible by both Alliance and Horde forces either through boat or zeppelin. Here, the battle will commence for all players with ranks of 68 to 72. If you want to be ahead of the game and if you want to outwit the other players, an intimate knowledge of the battleground and its history might help. This is the purpose of this article. Below you will find some information about Howling Fjord that might come in handy in the future, once you have the Wrath of the Lich King expansion in your hands.

What to Expect:

City Guides And Information

It's name is derived from the sound of the wind as it sweeps in to the Fjord from the sea. The name of this zone might sound daunting, but it is in fact a beautiful and scenic city. It is found in Northrend's southeastern tip. This zone is filled with thick forests, vast plains, and dangerous rocky formations. This zone is inhabited by both sentient and non sentient beings. Humans, dwarves, and other thinking creatures mostly live in Valgarde, with the farming people the only exception since they live in the open fields. When you arrive in the zone, keep in mind that there are risky rock formations and harmful creatures that you might encounter, such as wolves. Always practice caution in your exploration.

Top WOTLK Howling Fjord Guide - Wrath of the Lich King Strategy & Leveling Guides

The Howling Fjord's History

Because of it's natural harbor found in Daggercap Bay, it became the center of spreading expeditions throughout the continent of Northrend. That's why the Lich King used this as a base to conquer Northrend. The Wrath of the Lich King Howling Fjord zone is also the site of many battles during the Third War, and it will forever be known as the place where Prince Arthas docked in his search for the Frostmourne. It is also where Prince Arthas burned all his ships so that he could not return to Lordaeron. The men that Prince Arthas left behind when became the Lich King and the dwarves here were the founders of its biggest city, Valgarde.

The Howling Fjord in the Wrath of the Lich King

Aside from being the entry point to Northrend, this zone will also give players as much as over 140 quests. The quests are varied, from choosing to fight Vrykuls to assisting the Alliance vanquish Freebooters from the North Sea. When you step in here, your stance should always be cautious. Expect trouble from everyone you meet. The zone is embroiled in conflict of all kinds, and this is the best opportunity for you to level up and gain experience. So have a great time fighting in the Wrath of the Lich King Howling Fjord!

Top WOTLK Howling Fjord Guide - Wrath of the Lich King Strategy & Leveling Guides

Do you want to always be one step ahead of everyone else in Wrath of the Lich King, and not be left behind?

Know the latest WOTLK strategies and leveling Now and the top guides at [http://www.topwotlkguides.com]

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Starting a Church - Steps to Starting a Church From Scratch

Organizationally, starting a church from scratch is similar to putting up a company or organization. Where people of the same faith and interest gather together to agree to put up an institution. Starting a church is only unique in a way that it is meant to spread the Gospel and to uplift the spirituality and lives of its church goers.

It is really important at this day and age where more and more people are dechurched and unchurched that church should be built. Too many souls are lost and too many are engrossed in earthly pursuit. Doing this can be tough but nevertheless necessary to bring back the "soul" of America.

City Guides And Information

In starting a church from scratch, it is necessary to have a core group. A mere 20 or more committed people will already suffice to start it. The best way to start it is to hold a conference facilitated by somebody who has already experienced putting up a church himself or is in a established church already. The reason of which is that experience is a very valuable contribution at this stage. To have somebody help concretize the desire to put up a living, breathing church where the community can attend to hear the Gospel.

Starting a Church - Steps to Starting a Church From Scratch

Do not expect that it can be done in just one conference. Realistically, the take off of a church usually starts after a series of meeting. Starting from few people to the involvement of more and more people to make the establishment of the church possible. This can be done by announcing your conferences to as many people as possible. You can announce it via the local radio station, distribution of flyers, posting in the bulletin boards of the local grocery store, etch. The idea is to spread the word to as many number of people possible.

Once you have convened enough people to already start a church, it may be helpful for you to ask help from a professional who is an expert in organizational development and planning. The church, just like any organization needs structure to function with clearly defined functions and responsibilities and how to carry them out. Such is why outside help is important for the organizational structure of a new church.

It will also be important to determine how will the leadership of the newly established church should go about. Will you have ministers or pastors? Or do you have a local leader who is Christ centered whom people can identify with when you involve him? Who does what? Bear in mind that the start-up is the most important phase of starting a church as slight disagreement and mistake can break the church which is still in its infancy.

And when you already have a workable structure, it is important to ask how the Scriptures will be shared to touch the lives of the church goers and increase its membership. The physical structure of the church needs to be discussed too.

And more importantly, its appointed church leaders must commit themselves to the Word of God that they may be able to start and establish a church not only in the community but also within them and their flock.

Starting a Church - Steps to Starting a Church From Scratch

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Cebu City, Philippines - The Good, The Bad and The Ugly

A tourist visiting Cebu City for the first time may well be turned off by some of the city sites. The city has several world class resorts, hotels, beaches and dive sites. It also has some areas of the world's most devastating poverty. Cebu City is the capital city of the Cebu Province and it is the second largest city in the Philippines following Manila. I always feel at home in the city and lived in the city before building my home in the rural Cebu Province of Camotes Islands. Cebu City is a mix of the old and new, rich and poor, good and bad and pretty and ugly. There is also the mix of clean and really dirty or filthy. The rule for anyone going to Cebu for the first time is to not make a snap judgment.

My first trip to Cebu City was in February 2004. I went to the Philippines to meet a girl (Judith) now my wife. I flew into the Cebu-Mactan Airport and was met by Judith and one of here sisters. My flight started in Florida and the last leg of the flight was from Hong Kong. The Cebu International airport is just a little outdated, but very functional. Once outside of the airport doors I saw waves of people waiting to meet people coming off of the flight from Hong Kong. The airport was not all that busy when I arrived and I think my plane was the only arriving flight at the time. As people from my flight walk outside of the airport door they were bombarded with shuttle, taxi and V-hire greeters, all trying to get a fare. I met Judith just outside the airport doors. She, her sister and I all jumped into an old Kia Taxi and we were off to my hotel.

City Guides And Information

The taxi was old and not very well maintained. The Air conditioner didn't work and the window wouldn't go down. Of course that didn't matter as I couldn't close the door because the door latch was broken. So, I got lots of air. The hotel was about a 30 minute drive from the airport. As we traveled the city streets I saw crowded sidewalks made even more crowded by the many sidewalk vendors and street vendors. Some of the roads we traveled were moderately maintained while others were in very poor condition. The roads were crowded with many types of cars, but mostly Kia's and Hyundais. There were also a lot of Jeepneys, a Philippine traditional method of travel. A jeepney looks like a stretched army jeep with a hardtop and a large cargo area used for two benches for passenger seating. Jeepneys are normally painted with several different colors and lots of chrome. Many of the jeepneys are poorly maintained and most have bald tires and the braking systems may be questionable. Also, there were lots of small motorcycles.

Cebu City, Philippines - The Good, The Bad and The Ugly

After traveling just a few minutes I decided that the most dangerous vehicle in Cebu was the Jeepney, the Taxi and finally the motorcycle. The jeepney drivers tend to rule the road and stop on either side of the road to pick up or drop off passengers. I saw many jeepneys cut both lanes of traffic off just to drop off people and then saw others swerve quickly to the side of the road cutting off traffic so the driver could jump out of the jeepney to urinate along the side of the road. Taxis are no better, but pose a slightly smaller threat because the vehicles are smaller than a jeepney Motorcycles seem to be a danger only to the motorcycle driver and passengers and anyone walking along side the road or on the sidewalk. Motorcycles make their own traffic lanes on whatever little shoulder the road may have to offer or sometimes drive on the painted divider line as a narrow roadway to make an extra traffic lane for themselves. At other times I saw motorcycles throttle down sidewalks weaving around pedestrians. Yet, the pedestrians seemed little concerned of the carelessness and just continued on their way.

As we continued on our way to the hotel we drove through many different areas of the city. Some areas were very old and the buildings looked as though they were ready for demolition years ago. Many buildings and store fronts are concrete with plywood or corrugated steel sheets added to broken windows and steel bars cover the window or plywood. I can't imagine what would be worth the cost of the steel bars as the buildings were so poor. I was sure the contents within were no better. I noticed several small store fronts with one big open widow covered with chicken wire. These little stores are about the size of a small closet and there are dozen of these little stores on every street. They are called sari-sari stores and sell just a very few items such as canned fish, rice, snacks, cigarettes and so on. Most of these little stores are attached to the front of private houses and are crudely constructed of unpainted plywood and tin roofs. Most of the Sari-sari stores block the sidewalk, forcing people to walk on the road to get around the protruding plywood box. Other Sari-sari stores have a small table or tables along the narrow sidewalks for their rum buying customers and a karaoke machine assist in blocking the sidewalks.

In many of the old areas the sidewalks are filled with vendor's shacks, tents or some other type of hurried shelter to sell goods. The sidewalks belong to the vendors and the pedestrian is left to find his own way around the ugly obstructions. These small vendor shacks on the sidewalks block the store buildings behind and I still wonder why the store owners allow the vendors to block their stores. The old neighborhood streets and sidewalks in most areas are filthy. Trash is all over the streets, chickens are tied to utility poles or street signs as well as dogs. Many of the old homes along the city's commercial streets may or may not have running water and a sewer system. Many people use the streets and sidewalks as their bathroom and even bath on the sidewalks. The infrastructure of the old neighborhoods is almost non-existent. There is poor drainage, poor sewer systems, and electric lines hang low to the ground with hundreds of wires attached carelessly to a single wimpy pole. I often wonder how trucks make it under these wires without hitting the wire. In many cases the bigger trucks do indeed hit the wires and knock out power to large section of the city.

The one thing that stood out for me as we past by all these areas in the taxi was the people all seemed happy. Despite, what I saw as great poverty and terrible living conditions, these people, or least many people were happy. Although, most of the people I saw were rushing down the sidewalks going about their daily routine. I thought these people are doing the same thing as other people do in any major city around the world. Yet, my first visit in Cebu City opened my eyes to the fact that at the very least, the city was poverty stricken or had a large population that lived in poverty.

After about 30 minutes riding in the taxi we came into a much nicer area of the city and there like an oasis in the middle of all the poverty was this beautiful Hotel and a large modern shopping mall next to it, as well as several large modern well maintain high rise buildings. The scene was a stark difference to the old areas of the city. This area could be found in any modern US city and looked very much like a commercial area of a US city. The area is called the Ayala Business Park and the Ayala Mall. This is modern Cebu City and it is everything you would find in any modern city.

Once at the Hotel, the Marriott, I checked into a very nice room and we all went to the dinning room for a pleasant lunch. Soon after that it was just Judith and I as her sister went home. Judith then took me across the park to the Ayala Mall, just a five minute walk and once inside the mall I was amazed. The stores were the same as in the US, Ace Hardware, Levi, MacDonald's and so on. Plus, several Philippine Department stores and many different types of restaurants and coffee shops. All the store clerks and sale people spoke English and most all the Filipinos walking through the stores were speaking English. Others used a mix of English and their native Cebuano. All the store signs are written in English and the restaurant menus are written in English. In many ways I felt as if I just traveled 20 plus hours from Florida to be in a US city.

Although there were many other foreigners in the mall many Filipinos walking by asked where I was from and in general everyone was very friendly to me. While at the mall I bought a few souvenir type things to take home and Judith and I just did a lot of window shopping. I was happy to see the prices of most things in the stores were very cheap compared to the US. At that time one US dollar bought 56.00 pesos. Today it's one dollar to about 44.00 Pesos. Still a good deal, but today I'm careful in my spending. By the middle of the afternoon I was ready for some sleep after my long flight to Cebu. Judith went home and I retired to my hotel room.

The next morning Judith was at the hotel bright and early and we had breakfast at the hotel and then off to see the city and some of the beach resorts. Cebu has wonderful and beautiful resorts and all very affordable. The resorts are all well maintained and modern. The biggest population of customers at the resorts are foreigners and the staff Filipino. I quickly change my opinion of the city from a poverty stricken third world to a modern commercial and tourist city with a few old areas that needed a lot of help.

During my trip to Cebu we went into the old area of Colon. Colon is the oldest street in the country and has several landmarks. However, Colon is a dirty area of very old and poorly maintained buildings. Prostitution is a major problem in the Colon area as is street crime. There are some wonderful markets and great bargains to be found in Colon, but not an area for the new tourist to wander alone. Hotels can be had for a really cheap price in Colon. Some just .00 a night, but these hotels cater to those picking up street girls and both the girls and the rooms are really dirty. Last year Judith and I stayed at two different Colon Hotels. We went into the city for our monthly shopping trip from Camotes Islands. We decided to try the hotels as they are cheap and close to many of the outside markets. I would never stay at either of these hotels again. The best words to describe them is old, filthy, rat infested and full of prostitutes. Both of these hotels seem to cater to single foreign men and any girls the men may find at the Colon bars or on the streets. The area has several little Bikini type bars with Bar Girls (Prostitutes) also called GRO's. Unless you are looking for a prostitute there is little reason to go to Colon after dark and even then one needs to be very careful. This is not intended to say that all of Colon is bad. There are some nice stores and restaurants in Colon. I enjoy shopping in the Colon area, but one needs to use caution in Colon.

During my first visit I saw most all the areas of Cebu City and felt safe at all times. Of course we didn't go into the old parts of the city after dark. Rather we were at the resorts or around Ayala Park and these are all very safe and enjoyable areas.I would recommend Cebu City to anyone that wants to go to a great resort and spend time on a beautiful beach, go diving, take a boat tour of the outer islands and not spend a lot of money. There is just so much to do in Cebu City and so many great things to see. Staying at any of the resorts is very affordable just about .00 per night and some as high as 0.00. Dinner at restaurants is also very cheap. Meals at nice restaurants can cost just .00 to .00 for two people, I had a wonderful time during my first visit. However, I had Judith as my tour guide and as my girlfriend. I'm not sure I would have liked Cebu City as much as I did if Judith wasn't with me during the first trip.

Soon after my first visit to Cebu City I moved from Florida to Cebu City in 2004. By this time Judith and I were engaged to marry and I wanted to live in Camotes Islands. However, we decided to live in the city while looking for land to build a house in Camotes. Camotes Islands are a rural province of Cebu and just two hours from the city by boat. We rented a brand new two bedroom house in the Lahug area of Cebu City. The monthly rent was just 5.00 plus our TV cable for about .00 a month. The house was located on a hillside overlooking the city and close to everything we needed. Lahug is a very nice area and now there are many new housing sub-divisions built in the area. Our monthly budget while living in Lahug was approximately 0.00 and that included the rent, utilities, food, taxi cabs and even lots of dinners at restaurants and entertainment. I assume if we still lived in Lahug the budget would be just a few more dollars a month.

Within just a couple of weeks after moving into the Lahug house I felt as if Cebu was my city and I really enjoyed the city life. The city has many things to offer the foreigner and the city is always trying to attract more foreign retirees. It truly is a foreign (expat) friendly city. The largest group of foreigners in Cebu is Korean then Americans, Australians, British and Japanese. There are no racial tensions or problems in the city that I am aware of and the city is very safe. However, like any major world city there is crime, but using common safeguards and precautions one can have a happy life in Cebu City. Driving in the city is something I have never attempted and I don't think I ever will drive in the city. The taxi cabs can get you almost anywhere in the city for .00 to .00 and that's fine for me.

Shopping in the city is great and there are products from all over the world in Filipino stores. Many food stores stock western brands so you will never get homesick for your favorite foods from home. The outside markets, located all over the city offer great bargains and it's always fun to negotiate prices with the vendors. Cable TV is available in the city and it offers many American shows and news programs. You can go to the movie cinemas and see a new release movie for about .00 and the popcorn is just a few pennies. The city has grown since I moved to the Philippines. There are many new gated housing Sub-Divisions that cater to foreign buyers, new high rise condo buildings and the resorts all continue to attract foreigners. The two major malls in the city, Ayala and SM are both expanding. Many of the roads have been upgraded as well as the infrastructure in many areas. The city is a major draw for tourism and is always attempting to bring in more tourist and more foreign retirees.

Any expat on a monthly pension of about ,000.00 can live like a king in Cebu City. You can live on less than ,000.00 but I think ,000.00 is the right figure if you include saving a little each month for emergencies, trips back home and medical needs. The city has very good hospitals and medical cost are much less in the Philippines. Good dental care at very reasonable rates is also available in the Philippines. Many people go to Cebu for medical or dental vacations. Just remember, if you think you want to move to Cebu City do your homework. Do you want to live in a new country? do you want to be separated from your family and grandchildren?, if you are married how does your wife feel about living in Cebu? If you have young children do you want them to live in a new country and what about their education? Do you have the patience and understanding to learn and live in a new culture? Do you have the money to live a good life in Cebu without the need to find work? Do you have enough money to cover any type of emergency that may require five to ten thousand dollars? Finally, what is your reason for wanting to live in a new country? If you can be honest with yourself and have a positive answer for the above questions, then maybe Cebu City is for you?

Remember too, The Philippine economy is struggling. Filipinos with four and six year college degrees are driving taxi cabs or working as store clerks. Unemployment in the country is through the roof. Poverty is a major issue in the country. For all the beauty of the Philippines Poverty continues to destroy many Filipinos and their futures and creates an ugly face to an otherwise beautiful country. Just this week on November 8, 2007 an 11 year old girl in Manila living with her mother, father and little brother in a shanty town hung herself. The reason left in a note from the little girl was because of the poverty she and her family lived. The father not able to find work for months and the mother working for just .00 a day. The little girl had just the night before asked her father for P200.00 for a school project. The father did not have the money, just under .00. All the girl wanted was to finish school and buy a new bike. A simple dream complicated by severe poverty in a country struggling to overcome political corruption and theft. Please remember, what you may spend in just one day in the Philippines is what a Filipino may have to live on for a month. Poverty does indeed take lives.

I truly love my lifestyle in the Philippines, but it took some time, patience, understanding and a few sacrifices to live in the Philippines. I made several mistakes before coming here and a few since living here. I didn't have enough money when I came here in 2004. I've made a few trips back to Florida to do some contract work and then returned to my beloved Camotes Islands. I'm currently away from home on a teaching contract. However, for me, it's worth the price to have just a few months a year in my paradise called Camotes Islands, Cebu, Philippines. I think anyone looking for a great vacation will enjoy Cebu City. Those looking to retire on a modest pension can live well here, but just be sure living in a new country is right for you. Before making a decision to move here it's wise to come on a vacation first and see the city for yourself. Then you can decide if this is the life you want. Once again, for me this is paradise.

Cebu City, Philippines - The Good, The Bad and The Ugly

Patrick McGrain is the owner of [http://www.philippine-islands-living.com] Patrick has lived in in Camotes Islands, Cebu, Philippines for over three years with his Filipna wife.

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