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Great Reasons to Eat and Grow Kale

Several weeks ago, Scott Jacobson published an article in Slate on “The All-Kale Diet: Kale of Duty.” Although intended as a bit of humor, there is much to recommend this vegetable to everyone interested in good health.

The first great reason; Kale or borecole is a form of cabbage, albeit closer to wild cabbage than the cultivar and is arguably one of the healthiest vegetables known. 250 grams [about one cup] of kale contains approximately 5 grams of fiber [13% of RDA], 102 mg of Vitamin C [142% of RDA], 179 mg of calcium [17% of RDA], 2,037 micrograms of Vitamin K [1925% of RDA, and the list goes on and on.

The second great reason; Clinical studies, as reported in the American Journal of Clinical Nutrition, have shown that generally speaking, an increase in consumption of vegetables lower the risk of chronic diseases, or at least minimally slow their onset. Studies have also indicated that a diet rich in Vitamin K, such as kale, can significantly reduce the overall risk of cancer. Additionally, other studies show that diets that include foods in the brassica group, such as broccoli, cabbage and kale can support elimination of toxic estrogens. These estrogens, found in plastics and pesticides, are the kinds that promote breast cancer. These health benefits seem to be very good reason for increasing ones consumption of kale.

The third reason, kale is easy to grow and has an extended growing season. Kale is, of course, available in your neighbourhood grocery store and farmers market, but growing your own is also very easy. If you have a garden, it can be one of the first seeds you sow in the spring and one of the last crops you can harvest in the fall. Even in the heat of summer, if you have a protected area in your yard, kale could be grown, but it does like the cooler weather best. If you live in an apartment or condominium with space at a premium, you could grow enough in a window box or pots to have it with a meal once or twice a week. If shopping for kale, look for firm, darkly coloured leaves and stems; leaves range from dark green to red. It will keep for up to five days in a refrigerator in plastic bags as air tight as you can get them.

The fourth great reason is eating more is so easy. Kale can be eaten raw by simply cutting it up and adding it to your green salad. We like it with heavier salad such as taco salad where we have added black beans and meat. Kale can be cooked like spinach, chopped and added to soups or stews or it can be roasted with salt and pepper and eaten like chips. Getting a bit more ambitious, it goes great in eggs, with quiche, or in a stir fry. My friend adds baby kale along with fresh fruit to her good morning smoothie to power up her day. Our Kale is just about ready to pick and so are the strawberries, so where is that blender? Yum!

Its Important For Your Condominium Community To Be Hudfha Approved

The Feds changed the game.

You now need to be HUD and FHA approved before your condominium community can offer FHA loans to your buyers. Once your complex is approved you must be recertified every 2 years.

If your condo community is not HUD/FHA approved you are missing out on a lot of buyers.

For people who can’t qualify for conventional loans the FHA loan program is the answer.

According to DQ News in April 2011 – 33.4% of the purchase mortgages used in 20 of the largest metro areas were FHA-Insured and the November 2010 Realtors Confidence Index reported that Nationally 39 percent of recent buyers purchased a home with FHA-insured loans.

If your condominium community is not FHA approved you are missing out on a lot of potential buyers. This will also affect current homeowners when they go to sell their unit.

For many first time home buyers qualifying for a conventional loan isnt possible. Through the FHA there are programs that make it feasible for these people to get affordable financing.

The Benefits of the FHA Loan Program

– A low down payment

The FHA program lets buyers put as little as 3.5% of the purchase price down. As you can imagine this opens many doors for people that wouldnt otherwise be able to come up with a conventional down payment.

– Help with closing costs

Qualified applicants can also receive up to 6% towards closing costs. This further reduces the loan and down payment amount.

– Co-Signer requirements

Another part of the program allows for a blood relative to co-sign. What makes this program different is that if the home-buyers dont have enough credit to qualify on their own a blood relative can co-sign without needing to reside in the home that is being purchased.

With the help of those benefits people with little credit, low and moderate incomes and first time home buyers have more opportunities to find affordable housing.

These types of people make up a large part of those buying homes. First time home buyers are usually those that are less qualified for conventional loans. Without being HUD approved your condo community will not be able to provide affordable financing from the FHA.

Recently HUD made drastic changes to their condo approval program. These changes jeopardize the availability of FHA loans for condominiums.

HUD Changes:

– Elimination of spot approvals
– Mandatory recertification for projects approved prior to October 2009
– Re-certification every 2 years

The elimination of spot approval can cause major concern and problems for your condominium community. Spot approvals gave every condo community a way to assist people requiring FHA programs. Loans were decided on an as needed basis.

If you were relying on spot approvals to obtain financing for those homebuyers that need FHA assistance that option is no longer available. You will not be able to get FHA help to purchase a home within your community.

Now full HUD approval is required for anyone wanting to use the FHA loan program.

If your condominiums need to be certified or recertified now is the time to do it. It is anticipated that there will be a boatload of applications to HUD for FHA approval over the next few months so get yours in now. First come – first served.

To see if your condominium complex is HUD/FHA approved go to https://entp.hud.gov/idapp/html/condlook.cfm

To view HUD Mortgagee Letter 2009-46 B regarding condos approval go here http://www.hud.gov/offices/adm/hudclips/letters/mortgagee/files/09-46bml.pdf

For a Condominium Project Approval and Processing Guide go here http://portal.hud.gov/hudportal/documents/huddoc?id=11-22mlguide.pdf

The Rise of the Condominium Industry of the Philippines

There are many popular types of Philippines properties for sale in the market today, and some of the most popular, according to many experts, are residential real estates. One of the most popular types of housing today, according to these experts, are condominiums.

The Rise of the Condominium Industry of the Philippines Compared to other types of housing other than the typical house, such as apartments and townhouses, condominiums were only recently introduced in the Philippine market. However, it quickly gained a lot of popularity because of a number of benefits in which many Filipinos have take advantage of, such as its location.

Advantage in Location According to many real estate experts, the first reason why these types of residential Philippines properties became popular is because of their locations, which are normally found in business and commercial districts.

Because of the accessibility it offered to its residents, many Filipinos found these types of housing modern, particularly because it gave them the necessity they were looking for, which is the luxury of living within walking distance or mass transit distance to their workplaces, allowing them to avoid the hassles of rush hour.

Other than the luxury of its location, condominiums are also known for its other luxuries, such as its maintainability as well as high security.

Advantage in Maintainability All condominiums are known to hire their own maintenance personnel who assures the functionality of other facilities found in the condominium, such as its cooling systems and elevators, as well as its hallways, garage, storage areas, the lobby, as well as its recreational facilities (if there is any).

Advantage of Security Another advantage of living in a condominium is its security. Because most if its residents are of high stature, such as wealthy families as well as company executives, these condominiums are mostly heavily guarded, to assure the safety of their residents from any harm.

Advantage for the Family Although not all condominiums are known for its family-oriented environment, particularly the condominiums found in business and commercial districts, a number of new condominiums were established around Metro Manila which aims to offer the best environment for the family. These types of residential Philippines properties are called condominium complexes.

Advantage in Luxuries In addition to its family-oriented environment, condominium complexes are also known for its amenities such as swimming pools, gyms, recreational parks, and playgrounds which add to its luxurious atmosphere.

Disadvantages of Condominiums Other than its advantages, there are also a number of disadvantages to condominiums. One common disadvantage is its expensiveness, even with condominium complexes. Another major disadvantage of condominiums is its condo fees, which are normally paid for the whole maintenance of the condominium as well as wages for its hired personnel.

For condominium complexes, the disadvantage is its location, which is normally found in the outskirts or even in provinces. Because of this, residents may find it harder to get back to their workplaces compared to living in a typical house found in residential districts of nearby cities.For more information visit to our site at http://www.avidaland.com

Condominiums In The Philippines And Its Advantages

Condominiums have become a very popular type of housing in the Philippines according to many experts. What made these types of housing very popular is that it allowed their residents to experience luxuries that other types of housing lacks, particularly the simple house. Many Filipinos have also said that condominiums are somewhat a cross between the luxuries of townhouses and the beneficial location of apartment buildings, which gave them a type of housing which is both luxurious and beneficial for many people.

Condominiums and its advantages Condominium is a type of housing tenure which involves the ownership of an apartment unit, a house, or a townhouse, while common areas such as hallways, elevators, heating and cooling systems, and other recreational facilities, are jointly owned by all the owners. Condominiums are also known uniquely for its condo fees, which are used to maintain the livability and facilities of their condominium.

The reason why condominiums became popular among many Filipinos is because of the many benefits that many other types of housing lacks, such as the advantages that many makati condo can provide. These includes its location, which are mostly found in areas near business and commercial districts, maintainability, security, as well as amenities such as swimming pools, gyms, recreational parks and playgrounds.

Location advantage What made these types of housing popular is because of its location. Because most of these condominiums are found in the heart of the bustling city, such as the many makati condo, residents are not only given a luxurious lifestyle, but they are also given the luxury of living within walking distance or mass transit distance from their workplaces, allowing them to avoid rush hour.

However, though these condominiums are found in the busiest place in the country, condominiums are still known to provide their residents the privacy they needed as well as the peace and quiet that many Filipinos seek after a day’s work.

Maintainability and security Though many other types of housing such as apartment buildings are known for its own maintainability and security, condominiums also gained a lot of popularity because of this. All condominiums, such as the many makati condo, are known for their maintenance personnel that assures the livability of their condominiums, at the expense of its residents. Security is also one of the few popular features of condominiums.

Amenities One of the few reasons why condominiums are still very popular in the market. These new condominiums, known as condominium complexes, didn’t only become popular because of its luxurious location, which are mostly found in areas away from the city, such as in the outskirts as well as in provincial areas, these condominium complexes also became popular for its amenities, such as swimming pools, gyms, and other recreational facilities.For more information visit to our site at http://www.atayala.com

Penthouse – Which Penthouse Property Should You Buy in Singapore

When looking to purchase luxury condos or penthouses in Singapore, the most popular properties are surrounding the city area. If you have a map of Singapore and draw a semi-circle with the southern tip of Singapore as the center, these are where the prime condos are located.

Purchasing newly launched condos will ensure that you have the best facilities, lifestyle, landscaping and interior finishings of that period. Here are some of the popular penthouses among foreigners.

1. Penthouses at the South of Singapore

Property here such as Marina Collection belong to a niche group of property buyers that cherish waterfront style living. Penthouses, 3 to 4 bedroom units are built always facing the sea so that their occupants can enjoy the sea breeze and a wonderful view overlooking the sea. The entire southern area of Singapore is being transformed by the Singapore Government to be water themed based, with great architecture in the works such as the double helix bridge. You’ll also be minutes away from the newly built casino 2010 as well as Universal Studios, shopping mall such as Vivo City.

2. Bukit Timah

This area has a high concentration of expats living in this area. There is a lot of lush greenery here and you can get apartments close to Macritchie reservoir as well as the city. Many expats love this area and although the prices of the 3 bedrooms here can be as high as US$1.5million, the lifestyle and living here is top notch.

Cyan is a good penthouse launched 2010 that can be found at Bukit Timah, Keng Chin road.

3. In the City

Penthouses in the city are often bought by Indonesians. These places are right next to the shopping malls. For an urban lifestyle close to office and shopping, but yet with fantastic greenery landscaping, spa and pool, Water Scape at Cavanagh launched 2010 is a penthouse you’ll want to check out.