The BEST Foundations For Christian Ministries and Churches

The grantmaking climate has been volatile since a 22% decline in foundation assets in late 2008 caused a steep drop in foundation giving. The decline lasted throughout 2009. But in 2010 foundations are recovering their lost assets. The S&P Index has improved by 68% this past year, the largest one-year upturn that since the Great Depression. As a result, 70% of foundations expect to give more this year than last year. Smaller foundations, those most likely to support Christian ministries and churches, are twice as likely to give more in 2010 than they did in 2009.

Now is the time to ensure your ministry or church is aware of the best foundations so as not to waste time and energy looking for funding from the wrong sources. Opportunities for funding abound. Here are a few reasons...

the upswing in the market means more funds are available for your organization the number of foundations in the United States is soaring - about 2,000 new foundations are expected to spring up in 2010 the sooner you develop relationships with them the better wealth is shifting from individuals to foundations

The BEST Foundations For Christian Ministries and Churches

There are no less than 10,000 foundations with assets totaling around 0 billion that support Christian ministries and churches.

The following Christian-friendly foundations are good places to begin your search. They are ten of the best funders of Christian ministries and churches based on a number of factors. They give the majority of their funding to Christian ministries and churches, they specifically support evangelism, and they give on a national basis.

MJ Murdock Charitable Trust

The foundation was granted charitable status in December 1975 in Vancouver, Washington. The Trust's purpose is to support and enrich the quality of life in the Pacific Northwest by providing grants to organizations that seek to strengthen the region's educational, spiritual, and cultural base in creative and sustainable ways.

Grants are available for Building Funds, Matching Gifts, Equipment, Matching/challenge Funding, Program Funding, Research Funding, Seed Funding, and Project Funding. The Trust's funding interests include Education, Health & Human Services, Arts & Culture, Science, Medicine & Engineering, and Scientific Research. Between 2005 and 2009, 43 percent of the Trust's funds went to health and human services, 30 percent to education, 19 percent to scientific research, and eight percent to arts and culture.

The Trust is especially interested in funding scientific and research efforts that further the pursuit of knowledge. Its educational funding interests are projects and programs in both formal and informal settings...program enhancement and expansion...and new approaches consistent with an organization's mission and resources.

Its arts and culture funding priorities are educational outreach efforts and performance and visual Projects that enrich the culture of the region. The Trust funds health and human services efforts that address physical, spiritual, social, and psychological needs. It is especially interested in programs for youth.

Its average grant size is ,000. Its largest grant is million.

ARTHUR S DEMOSS FOUNDATION

The foundation was granted charitable status in March 1959 in Washington, DC. Its

primary purpose is to support Christian Evangelical purposes. Its funding interests include Christian Organizations & Churches, Kenya, Tanzania, Uganda, Children, and Youth & Families. Grants are available for Matching/challenge Funding, Program Funding, and Seed Funding. Grants are awarded to spread the Christian gospel through any means. This includes technical assistance to missionaries and missionary groups, and support for pastors, evangelists, preachers, and others who spread the Christian Gospel. Grants also support the printing and distribution of Christian literature, Bible and tracts, and audio and audio-visual communication.

The foundation's programs include Power For Living, which seeks to make as many people as possible throughout the world aware of the Biblical account and how people can get right with Christ; Executive Ministries, which focuses on turning business executives into disciples of Christ; Literature for Little Ones, which provides Christian literature and books, including the Bible to children.

The average size of its grants is 0,000. Its largest grant is -million.

C.I.O.S.

Christ Is Our Savior, Inc. (C.I.O.S.) was granted charitable status in February 1987 in Waco, Texas. C.I.O.S. provides grants for Program-related Investments/loans. An example of this is the three-year .1 million grant it awarded to Baylor University's Center For Family and Community Ministries in 2006. It funded a Center proposal that had four objectives... educating future community ministry leaders for churches... preparing these leaders through congregational field internships in the School of Social Work...producing community ministry resources and training for churches, much of which will be come from recent research within the school...and publishing a quarterly journal to be used as a resource for congregational leaders.

The average size of its grants is 5,000. Its largest grant is Million.

CHATLOS FOUNDATION INC

The foundation was granted charitable status in February 1955 in Longwood, Florida.

Its purpose is to proclaim the glory of God by funding nonprofit organizations in the US and around the globe.

Grants are available for Building Funds, Equipment, Operating Funds, Land Acquisition, Matching/challenge Funding, Program Funding, Publication Funding, and Technical Support. The foundation's funding interests include Bible Colleges & Seminaries, Religious Causes, Liberal Arts Colleges, Medical Issues, and Social Issues.

The foundation's average grant size falls between ,000 and ,000. Its largest grant is 0,000.

THE CROWELL TRUST

The Crowell Trust was granted charitable status in August 1941 in Colorado Springs, Colorado. Grants are available for Building Funds, Equipment, Operating Funds, Matching/challenge Funding, Program Funding, Scholarships. The foundation's funding interests include Christian Organizations & Churches, Missions, Religion, Theological Education, and Youth Ministries.

The foundation's mission is to provide grants that teach and actively help spread Evangelical Christianity. Its grants promote Evangelism and Discipleship, International Cross-cultural Missions, International Church Planting, US-focused Missions, Christian Higher Education, and Christian Leadership Development.

The average size of the foundation's grants is ,000. Its largest grant is 0,000.

TYNDALE HOUSE FOUNDATION

The foundation was granted charitable status in December 1966 in Carol Stream, Illinois.

Its purpose is to minister to the needs of the people through grants to Christian charities. Its charitable fund supports Christian work around the world. Although the foundation is most noted for its support for Christian literature projects, including new translations of the Bible in languages throughout the world, it also supports Christian Higher Education, Evangelism, Disaster Relief, and Social Services in the United States and abroad.

Grants are available for Conferences & Seminars, Operating Funds, Matching/challenge Funding, Program Funding, and Publication Funding. The foundation's funding interests include Christian Organizations & Churches, Human Services, Language & Linguistics, Literature, Protestant Organizations & Churches, and Religion.

The foundation's average grant size is ,000. Its largest ever grant is 0,000.

HUSTON FOUNDATION

The foundation was granted charitable status in August 1959 in Wayne, Pennsylvania.

The foundation's grants support health, social, and human services, arts and culture, Christian organizations, education, and public policy. Grants are available for Annual Campaigns, Building Funds, Emergency Funds, Equipment, Operating Funds, Matching/challenge Funding, Program Funding, Research Funding, Seed Funding, and Technical Support.

The primary purpose of the foundation is to fund ministries that have a strong Protestant, Christ-centered, Biblical-based foundation. This includes ministries that have an effective prayer and a unique calling by the Holy Spirit to promote evangelism and discipleship around the world. Nationally it focuses on secular issues, including humanitarian needs. It also seeks to encourage problem solving and innovative, practical approaches to meeting the changing needs of our regional, national, and international communities.

The average size of the foundation's grants is ,000. Its largest grant is 0,000.

A previous article also discussed the National Christian Foundation, the Maclellan Trust, and the Harry J. Lloyd Foundation. Combined these are the best foundations as of 2010 for Christian Ministries and churches.

The BEST Foundations For Christian Ministries and Churches
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Jeffrey J. Rodman is a Certified Fund Raising Executive (CFRE) and a Certified Grants Specialist (CGS). He is an experienced grantwriter, fundraiser, and nonprofit executive, who operates Here-4-You Christian Grant Consulting and Church Grant Writing providing consultation for grant writing to Christian ministries and Churches worldwide. Jeffrey received his BS and his M.Ed. from George Mason University.

Jeffrey supervises a team of writers, researchers, editors, and administrative staff in providing consultation for grant proposal writing, nonprofit development, and fundraising in almost every state and a dozen foreign countries and has worked on proposals to Federal, State, and Local government as well as to Foundations, Civic groups, and many others. He has written 100's proposals, secured millions of dollars in funding, and maintains a funding rate of nearly 80%.

Here-4-You Christian Grant Consulting
Jeffrey J. Rodman, CFRE, CGS, M.Ed.
President & CEO
Website: http://www.npfunds.com
Blog: http://npfunds.com/blog
Phone: 1-866-HERE-4-U-1

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Bathroom Tile Ideas for Bathroom Floor Tile

Bathroom tile ideas for bathroom floor tile can help you know what options to consider for your bathroom. Bathroom tile comes in a variety of shapes, sizes, patterns and textures and they are the basis for any bathroom design. Bathroom tile ideas can help you have the very best bathroom possible.

Ceramic bathroom floor tile is often used because of its durability, resistance to dampness, its safety to walk on when wet and its ease of cleaning. If you select ceramic tiles for your bathroom, consider using a tile that has a slip-resistant surface for bathroom safety, which is one of the best bathroom tile ideas. If you buy and install unglazed tiles, they will need to be washed frequently because they absorb stains quite easily. Bathroom floor tile shapes can be squares, rectangles, hexagons and octagons while accent pieces can be narrow and small diamond-shaped.

Here are bathroom tile ideas for bathroom floor tile:

Bathroom Tile Ideas for Bathroom Floor Tile

1 - If you use solid color ceramic bathroom floor tile in your bathroom, you can add tile borders of a different color to the tile floor, or you can create a border by alternating different colors. This kind of visual treatment can create a more interesting bathroom floor.

2 - When using the same color ceramic tile for the floors and walls, choose a different tile size for the walls or lay the wall tiles diagonally to create a more interesting visual effect.

3 - Another of the bathroom tile ideas is to choose a grout color that contrasts with the ceramic tile color. For example, if you are using white tiles, you could use blue, red or yellow grout for contrast. Be sure and apply sealers to grout lines in areas of heavy wear since sealers will protect and preserve grout colors.

4 - If your favorite color for a bathroom is pink, for example, add a few pink decorative tiles for the walls or use shapes, textures and borders to give it some visual interest. Select some rows of the walls where you can also use some of the pink tiles placed diagonally.

5 - To give your bathroom a contemporary style and look, consider using bright and bold colors with shapes or graphics against plain backgrounds. Contemporary style accessories and fixtures will further provide a modern-looking bathroom.

6 - If you are trying to have a romantic or Victorian look in your bathroom, use floral tiles in soft colors like pink, light green or light blue plus handpainted ceramic sinks and perhaps a wooden floor.

7 - For a Mediterranean bathroom look, mix terra-cotta tiles with Mexican or other hand-painted tiles for the floors. For the countertop perhaps mix the hand-painted tiles with another plain color tile.

Bathroom tile ideas and tile color are important since color can greatly affect your mood -- making you feel calm or energizing you. Warm colors like peach and yellow are fun, they make the bathroom feel cozier and they go well with a more country looking bathroom decor. If you use neutral colors like beiges or whites, they will make the room look larger, they will reflect light and they are always in style. Colors like blue, green and violet are viewed as serene or cool colors. Brighter colors like black or red add drama to the decor, absorb light and will make the room appear smaller. In rooms with plenty of windows and natural lighting, consider using darker tiles to offset the ambient lighting. You can also work in colors you want through the use of accent tiles and accessories.

Have fun as you select the styles, colors, patterns and sizes of bathroom floor tile and related details for your bathroom. You'll want your bathroom to be a fun, cozy room to spend time in and the bathroom floor tile used can help create that kind of atmosphere. Use bathroom tile ideas to help you have that special bathroom that you can enjoy every day.

Copyright 2006 InfoSearch Publishing

Bathroom Tile Ideas for Bathroom Floor Tile
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Learn bathroom decor ideas and bathroom layout, lighting, storage, bathroom vanities, small bathrooms, childrens bathrooms and more. David Buster is VP of InfoSearch Publishing and webmaster of http://www.yourdreamloghome.com - a popular website for homeowners.

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The History of Publishing a Magazine in America

The first magazine was issued back in 1731, before this country was even technically born. Since then, the magazine publishing industry has taken root is one of the major industries available. The market itself is almost endless and has become a multimillion-dollar industry. The magazine industry has an attractive appeal, it's easy and personal, and people are drawn to magazines, as are advertisers. Consumer magazines continue to grow in circulation and are particularly diverse. Here are some of the most successful publications available in the US today.

Reader's Digest

Founded in 1922 by Lila Bell Wallace and DeWitt Wallace, Reader's Digest is still one of today's most highly successful general interest magazines. It's roughly half the size of a regular magazine sent by subscription, but it continues to reach audiences not just in America but the rest of the world as well. It's published in 21 languages, has 50 editions so far, and is still the best-selling consumer magazine in the US. Reader's Digest Association, Inc., is sixth among the top 25 magazine publishing companies in its annual revenue earnings.

The History of Publishing a Magazine in America

National Geographic

This magazine is the official publication of the National Geographic Society and continues to be a major factor in its business. It has articles about archaeology, history, science and has also recently branched into adventure and travel. It published its first issue in 1888 and since then has reached the world with 32 language editions. Its articles are interesting and informative, but it also has amazing photography; its highly recognizable yellow bordered cover make it unmistakably National Geographic and therefore quality. The American Society of Magazine Editors has given the General Excellence Award as of 2007 to National Geographic Magazine.

PC World

Though a relative "new kid on the block," PC World is nonetheless the flagship publication of the International Data Group. First launched in 1982, the first issue came out in March of 1983. Most staff of PC World came from PC Magazine. Today, PC World contains many reviews of different hardware, software and services related to the computer market. It is currently published in 51 countries under different titles locally. As of 2006, it has become the computer magazine with the largest circulation in the world.

Popular Mechanics

Popular Mechanics has been devoted to highlighting trends in science and technology in the mainstream media since its inception on January 11, 1902. In the 1950s, the Hearst Corporation took the publication over, whereby it became one of the more prominent publications in the group, along with other mainstream publications like Good Housekeeping. Today, Hearst Corporate Communication remains one of the leading magazine publishers in the US.

Time Magazine

Despite a recent drop in revenue as of 2007, Time magazine remains the largest magazine in annual revenue among magazines. Its writing style remains stellar because it can address weekly, timely issues on a range of topics, both political and serious, and include light and popular fare as well. Signature articles in the magazine include Time 100, which features the 100 most influential people of the year, and the Time Person of the Year. As of late 2007, it has tried to revise so that it can continue to serve by reaching a younger generation of people.

Even though recent advances in communication and technology such as the Internet have made information far more available and digitally enhanced, magazine publishing still continues to be a mainstay in the American media. Its revenue growth in 2007 was still 1.5% even with more technologically advanced media choices.

The History of Publishing a Magazine in America
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Does He Want a Relationship? How to Know If He Wants You

Do you feel like you are really falling hard for a new guy in your life? You know that he is attracted to you, but does he want a relationship or are you just someone that he wants to have fun with? If you don't feel that asking him is the right way to find out then here is what you can do instead.

If you have decided not to just ask the guy outright then you probably know men better than you think you do. You have made the right decision, because if there is one subject that men hate to talk about it is romance. This is especially true of questions about whether or not and how much he likes a girl.

But do not despair because you can still find the answer without even having to ask him about it and potentially scare him away. Besides, you should know that actions speak louder than words. Anyone can say anything, but it is the way that a guy acts that tells you if he wants a relationship with you or not.

Does He Want a Relationship? How to Know If He Wants You

If the guy in question makes it a point to try to spend real quality time with you, then he probably wants a relationship. When a guy likes a girl he will do whatever he can to impress her and make her want to see him again. However, if he is always calling you last minute to hang out at his place and watch television, then he is not trying hard and not taking you seriously.

Does he want a relationship enough to agree with you when you tell him that you are not going to sleep with him early on? Guys who just want to be with a woman to get her in bed will probably take off once they find out that the girl is not going to sleep with him right off. So if you tell him that it could be months before you are ready and he seems fine with that, that is the best indication that he does want a relationship with you.

Does He Want a Relationship? How to Know If He Wants You
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How to Write an Article Review - 5 Easy Steps

First of all an article review is a writing giving your opinion on certain thing. It could be a product, a service, a movie, a book or even an article. Writing an article could be a little bit challenging for some people, but is not have to be hard. I am going to give you 5 tips on how to write an effective article review.

1. Research. If you going to talk about a service or product you have to know it well. Even the experience use in it would be very helpful. You have to know their uses. If you do not have used the product or service research about people who tried it. Writing about an article or movie well you know what you have to do, read it and see it.

2. Introduction paragraph. Give a brief overview of what is about, with no details. A few main points will be fine.

How to Write an Article Review - 5 Easy Steps

3. Give information. A description of what does, benefits or importance for the user.

4. Critique. This is the most important part of the article. Why did you recommend it? Why not recommend it? Give your opinion of why you like it or not. You can compare it to others similar to it as well.

5. Wrap it up. Make a conclusion of why you recommend it or not.

There you have it. Follow this simple 5 steps and you can write effective article reviews and doing it fast. If you have questions or want to see some samples about articles review you can visit my blog.

How to Write an Article Review - 5 Easy Steps
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Creative Ways to Say "Thank You"

Thanksgiving Day comes once a year in the U.S., but every day there are people in our lives who deserve our thanks. Sometimes a simple "Thank you" is appropriate. At other times, it is more thoughtful to be creative in expressing appreciation. It's just good business.

Here are some suggestions for thanking people at work, at home, and in the community.

1. When you say "Thank you" tell the person specifically what it is you appreciate and why you appreciate it. "Thank you for going to the Post Office for me. It saved me a lot of time."

Creative Ways to Say "Thank You"

2. Send an e-mail note. When I sent a thank you note to my staff in the Pentagon, the energy level shot up.

3. Send a hand-written thank you note. These are noteworthy because so few of us take time to write and mail them.

4. Place an unexpected phone call just to say "Thank you." Connecting verbally adds warmth to your appreciation even if you reach voice mail.

5. Present a small certificate. Half-page certificates take up less space if displayed and are as meaningful as full sized certificates. They tend to draw attention because they are different.

6. Give a single flower from your garden, flowerpot, or florist, with a verbal "Thank you" or a note.

7. Put a candy bar or piece of fruit on the desk of the person to be thanked, with or without a note. (Be sure the person is not on vacation!)

8. Bake some cookies. This is especially effective when men bake and present a few cookies in thanksgiving.

9. Say something nice about the recipient of your thanks to someone else when the person you appreciate can overhear you. This is especially powerful in a business setting.

10. For special occasions, present a US flag that has flown over the Capitol. It is a unique, reasonably priced item which few people own. A certificate of authenticity is provided in honor of any special occasion you designate. Call your congressman's office and ask for it. If you don't have a local contact, call 202 224-3121 and ask for your congressman or congresswoman by name. When you reach that person's office, ask to purchase a flag. They'll know what to do!

Creative Ways to Say "Thank You"
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What is the Best Exercise For Weight Loss?

It is a common misconception that aerobic exercise tones and firms muscles. Actually it accomplishes very little toning and firming. Resistance exercise (weight training) is where real toning and firming of muscles occurs.

Doing both aerobics and weight training is the optimal way to lose more fat and gain more muscle. If you are trying to lose weight, studies show that weight loss increases by 56 percent with aerobic and strength exercises combined.

Muscle may weigh more, but when you increase your muscle composition, the body is able to burn more fat, even when you are resting, because your metabolism is higher. A pound of muscle will use 350 to 500 calories per week to survive, while a pound of fat only needs about 14 calories per week. New studies have shown that building muscle helps your body fight disease better, too.

What is the Best Exercise For Weight Loss?

Strength training benefits everyone, no matter what age or sex, and is becoming recognized as an important component of fitness. Research is indicating that the muscle loss found in elderly people doesn't come from age, but lack of activity. Even a young person who doesn't get enough exercise can lose muscle mass and strength. Strength training, such as lifting weights or performing weight-resistance exercises, as little as twice a week can help maintain or increase muscle mass.

Strength training involving several sets of multiple repetitions using moderate weights will not result in huge muscles. Instead it builds bone mass and increases the metabolism, as well as toning and firming the muscles, giving a leaner look.

It is very important to do both aerobics and strength exercises. The aerobic exercises help your heart and lungs get stronger and help your body utilize oxygen more efficiently, which in turn helps with strength training and overall fitness. The strength exercise helps develop muscle, reduce body fat and maintain bone mass.

Aerobic Exercise is a type of exercise that elevates the heart rate and breathing for a continuous sustained period. This overloads the heart and lungs and causes them to work harder than at rest.

There are many options to choose from today. Bicycling, aerobic dance, swimming, walking, and stepping are all examples of aerobic exercise. Which ones to chose depends on your physical condition, your history, your interests and your goals. Many experts believe it is better to alternate between 2 or more types, to get a better workout.

There are two main types of aerobics- high impact and low impact. It is better to alternate between high impact aerobics (which are harder on the body and may cause more damage) and low impact aerobics, such as walking and swimming. This is called cross-training, and helps reduce the chance or injury and overuse of certain muscles.

You will want to perform aerobic exercises at least 20 minutes a day for at least 3 to 4 days a week. If you are trying to lose body fat, or your physical condition is very good, then you may want to work longer at it. Try exercising up to 40 to 60 minutes 5 to 6 days a week.

Remember there is no real need to go overboard. Moderate intensity is almost always better, and is more enjoyable. Low to moderate intensity is an especially good idea when starting out after a layoff or recovery from illness or injury, or if you are significantly overweight.

Warm-up and cool down is important to reduce discomfort and the chance of injury. Warm up by starting slow and gradually build up to your top speed. Then slow down again at the end of your workout.

The whole idea behind aerobic exercise is to get up and get moving! Find something you enjoy doing that keeps your heart rate elevated for a continuous time period and get moving to a healthier life.

What is the Best Exercise For Weight Loss?
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By Dianne Ronnow © 2005-8 Mohave Publishing. All rights reserved. This article may be freely copied as long as it is not modified and this resource box accompanies the article, together with working hyperlinks.

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How to Write Your First Ebook

Writing your first ebook may seem like a daunting task. But like many projects, it won't seem so bad when it's broken down into manageable chunks. Not all projects are successful, so don't be too disappointed if your first ebook isn't a best seller. Whatever the outcome of your first ebook, you can at least say 'You did it'.

Like many things in life, what often seems impossible can be attained with the right attitude and the right equipment. It could be a marathon run, climbing a mountain or finding parking space at the supermarket.

If you want to play golf, you will need clubs, balls and some practice. There's no guarantee you will become another Tiger Woods but you will become a golfer.

How to Write Your First Ebook

If you want to write an ebook, you will need a computer, software and some directions. Assuming you have a computer and software or access to them, here are some directions.

Establish Your Reasons

Your reasons for wanting to write an ebook will have a major impact on your success. It may be for financial gain, promoting a business, advancing your career, education, self satisfaction or something entirely different. Whatever your reasons, write them down. It will help to motivate you if the going gets tough.

Choose Your Subject

There are countless subjects that you can write about. It's wise to choose something you have an interest in or knowledge of. It is worthwhile spending time on this. The more you know about your subject, the easier it will be to write about.

Choose Your Title

After you've chosen your subject, you'll need a title for the ebook. It's worth writing down a few different ones before deciding on the one you'll use. This will help to keep your focus and may give you some other ideas. The title should give a clear indication of the content in your book. A catchy title may help to sell it, but remember to balance this with clarity to keep it in context. I've written down two examples. Feel free to use them if you have a sense of humor.

A Clubbers Paradise - Golfing in Ibiza

20 Minutes Late - The Future of Trains

Choose Your Audience

The subject and style of your writing will determine your audience. Decide who your desired audience will be. Age, gender, culture, social background and education are factors you may want to consider. What you write should be targeted at your desired audience.

Write Your Thesis Statement

Although it's possible to write your ebook without a 'thesis statement', it is not recommended. If you are unfamiliar with this term, there are many sources available that will provide you with all the details you need. Unfortunately, there are some differences of opinion that may lead to confusion.

The 'thesis statement' deserves a separate article of its own but for now I have written a general definition of a thesis statement for ebooks. This may leave the door open for criticism but is a small price to pay if it removes some of the confusion. More importantly, it will give you a base on which to start. Only use it as a guideline. If you want a more specific definition, Google is a good place to start your search.

A thesis statement is a sentence or two written to clearly show the reason(s) for your ebook and what you expect to write about.

Although I have referred to this as a general definition, keep in mind that your actual statement should be as specific as possible.

Think of it as the foundation for your ebook. It should contain the following:

1) Your subject

2) Your opinion on the subject

3) A supporting reason for your opinion

4) The significance of 1), 2) and 3)

Create Your Document

Now that you have the foundation, you can begin writing.
A standard application like MS Word is a good choice.
While you are writing your document you can revise your thesis statement at any time up until it is published. This provides a good degree of flexibility.

Choose the format and layout of your document, including chapters, headings and introductions. Dependent on your subject, you may wish to add photographs, anecdotes or testimonials that keep the reader's attention.

Since an ebook is generally read from a screen, you may want to break up the text more than in a printed book. Experiment with a few different fonts and look at other ebooks for ideas you can use. Spell check and save your document regularly. MS Word has an auto recovery feature. This is useful if you don't save the document on a regular basis and later experience a system crash. Always backup your document. As a precaution you should also keep a copy on another media such as CD.

Choose Your eBook Format

This is a personal choice. You may decide to create an executable (.exe) file or a Portable Document Format (.pdf) file. By no means an exhaustive list, here are some points to consider before you choose.

EXE files are compiled using an ebook compiler

EXE files may offer features that are not available with PDFs

EXE files can only be read on a PC

EXE files don't require any other software to be read

EXE files are easy to open, easily branded, and good viral marketing tools

EXE files may be susceptible to viruses although some compilers offer virus protection

More information on the better compilers can be found at

http://www.ebook-site.com/ebook-compilers.html

PDF files can be created using Adobe Acrobat

PDF files can be created with several other 3rd party applications

PDF files are an industry standard

PDF files can be read by both PC and MAC

PDF files require Adobe Reader to be read

PDF files are highly unlikely to become infected

More information on PDFs can be found on the Adobe website

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A Summary of the Novel "The Green Mile"

Any summary of the novel "The Green Mile" by Stephen King has to include a bit about the famous horror novelist, himself. He published this novel in 1996 as a serial novel, and the first edition actually came out in six small, paperbacks, which were later made into one novel. King is most well known for his horror novels, so as this summary of the novel "The Green Mile" shows, this book, set in the 1930s, is a departure from some of his other works.

Plot

The summary of the novel "The Green Mile" includes the plot and setting. The story takes place in 1932 on the E Block (Death Row) in Cold Mountain Penitentiary in Georgia. It is narrated by the main character, Paul, who is the captain of the prison guards who preside over E Block. "The Green Mile" of the title is the corridor between the cells of the cell block that leads to the execution room. The corridor is covered in green linoleum, hence, the "last" or green mile the inmates take to their death.

A Summary of the Novel "The Green Mile"

The story follows John Coffey, a large, black inmate convicted of raping and murdering two young white girls, and the other two inmates on death row, along with the guards who watch over them. Coffey is special, as Paul discovers, and he has magical healing abilities that become apparent. He befriends a small white mouse, who he names Mr. Jingles, and heals the mouse when the brutal guard Percy Wetmore tried to kill it. He also heals Paul's kidney infection, and later, Paul spirits him out of the prison to heal the warden's wife's brain tumor. Coffey "transfers" this brain disease to Wetmore, the sadistic guard who the inmates and staff dislike. Wetmore never recovers and spends the rest of his life in a mental institution.

Eventually, Paul discovers that Coffey is exceptional in many areas. It turns out he did not murder the two girls, another inmate (William Wharton) did. Coffey does not want to be pardoned, and dies in the electric chair because he cannot bear the cruelties of real life. After his death, Paul discovers that each of the people Coffey has healed live extraordinarily long lives. Paul is 108 at the end of the book, and Mr. Jingles is 64. They have no idea how long they will live, and the novel ends.

Characters

A summary of the novel "The Green Mile" includes the characters in the novel.

Paul Edgecombe - Paul is the main character of the novel. A prison guard, by the end of the story he is an old man narrating this part of his life to a friend who is writing his memoir.

John Coffey - A nearly 7-foot-tall black man, a convicted murderer awaiting his death sentence on death row in the prison. He befriends a white mouse and heals people of their diseases.

Percy Wetmore - A sadistic prison guard who everyone dislikes. He torments the prisoners, tries to kill Mr. Jingles, the mouse, and deliberately botches an execution where the inmate suffers terribly. He keeps his job because he is related to the governor.

Eduard Delacroix - A Cajun man convicted of arson, he is essentially a coward. He is the man who dies a horrible death at the hands of Wetmore.

William Wharton - Another convict, it turns out he is the one who actually committed the murder attributed to John Coffey. He is wild and frightening, and attempts to disrupt the prison as much as he can before he dies.

Mr. Jingles - The white mouse that lives to be 64 and is befriended by John Coffey.

A Summary of the Novel "The Green Mile"
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Due Diligence Checklists - For Commercial Real Estate Transactions

Planning to purchase or finance Commercial or Industrial Real Estate? Shopping Center? Office Building? Restaurant/Banquet property? Parking Lot? Storefront? Gas Station? Manufacturing facility? Warehouse? Logistics Terminal? Medical Building? Nursing Home? Hotel/Motel? Pharmacy? Bank facility? Sports and Entertainment Arena? Other?

A KEY to investing in commercial real estate is performing an adequate Due Diligence Investigation to assure you know all material facts to make a wise investment decision and to calculate your expected investment yield.

The following checklists are designed to help you conduct a focused and meaningful Due Diligence Investigation.

Due Diligence Checklists - For Commercial Real Estate Transactions

Basic Due Diligence Concepts:

Commercial Real Estate transactions are NOT similar to large home purchases.

Caveat Emptor: Let the Buyer beware.

Consumer protection laws applicable to home purchases seldom apply to commercial real estate transactions. The rule that a Buyer must examine, judge, and test for himself, applies to the purchase of commercial real estate.

Due Diligence: "Such a measure of prudence, activity, or assiduity, as is proper to be expected from, and ordinarily exercised by, a reasonable and prudent [person] under the particular circumstances; not measured by any absolute standard, but depending upon the relative facts of the special case." Black's Law Dictionary; West Publishing Company.

Contractual representations and warranties are NOT a substitute for Due Diligence.

Breach of representations and warranties = Litigation, time and money.

WHAT DILIGENCE IS DUE?

The scope, intensity and focus of any due diligence investigation of commercial or industrial real estate depends upon the objectives of the party for whom the investigation is conducted. These objectives may vary depending upon whether the investigation is conducted for the benefit of (i) a Strategic Buyer (or long-term lessee); (ii) a Financial Buyer; (iii) a Developer; or (iv) a Lender.

If you are a Seller, understand that to close the transaction your Buyer (and its Lender) must address all issues material to its objective - some of which require information only you, as Owner, can adequately provide.

GENERAL OBJECTIVES:

(i) A "Strategic Buyer" (or long-term lessee) is acquiring the property for its own use and must verify that the property is suitable for that intended use.

(ii) A "Financial Buyer" is acquiring the property for the expected return on investment generated by the property's income stream, and must determine the amount, velocity and durability of the revenue stream. A sophisticated Financial Buyer will likely calculate its yield based upon discounted cash-flows rather than the must less precise capitalization rate ("cap rate"), and will need adequate financial information to do so.

(iii) A "Developer" is seeking to add value by changing the character or use of the property - usually with a short-term to intermediate-term exit strategy to dispose of the property; although, a Developer might plan to hold the property long term as Financial Buyer after development or redevelopment. The Developer must focus on whether the planned change is character or use can be accomplished in a cost-effective manner. A developer conducting due diligence will focus on issues involving market demand, access, use and finances.

(iv) A "Lender" is seeking to establish two basic lending criteria:

1. "Ability to Repay" - The ability of the property to generate sufficient revenue to repay the loan on a timely basis; and

2. "Sufficiency of Collateral" - The objective disposal value of the collateral in the event of a loan default, to assure adequate funds to repay the loan, carrying costs and costs of collection in the event forced collection becomes necessary.

The amount of diligent inquiry due to be expended (i.e. "Due Diligence") to investigate any particular commercial or industrial real estate project is the amount of inquiry required to answer each of the following questions to the extent relevant to the objectives of the party conducting the investigation:

I. THE PROPERTY:

1. Exactly what PROPERTY does Purchaser believe it is acquiring?

(a) Land?

(b) Building?

(c) Fixtures?

(d) Other Improvements?

(e) Other Rights?

(f) The entire fee title interest including all air rights and subterranean rights?

(g) All development rights?

2. What is Purchaser's planned use of the Property?

3. Does the physical condition of the Property permit use as planned?

(a) Commercially adequate access to public streets and ways?

(b) Sufficient parking?

(c) Structural condition of improvements?

(d) Environmental contamination?

(i) Innocent Purchaser defense vs. exemption from liability

(ii) All Appropriate Inquiry

4. Is there any legal restriction to Purchaser's use of the Property as planned?

(a) Zoning?

(b) Private land use controls?

(c) Americans with Disabilities Act?

(d) Availability of licenses?

(i) Liquor license?

(ii) Entertainment license?

(iii) Outdoor dining license?

(iv) Drive through windows permitted?

(e) Other impediments?

5. How much does Purchaser expect to pay for the property?

6. Is there any condition on or within the Property that is likely to increase Purchaser's effective cost to acquire or use the Property?

(a) Property owner's assessments?

(b) Real estate tax in line with value?

(c) Special Assessment?

(d) Required user fees for necessary amenities?

(i) Drainage?

(ii) Access?

(iii) Parking?

(iv) Other?

7. Any encroachments onto the Property, or from the Property onto other lands?

8. Are there any encumbrances on the Property that will not be cleared at Closing?

(a) Easements?

(b) Covenants Running with the Land?

(c) Liens or other financial servitudes?

(d) Leases?

9. Leases?

(a) Security Deposits?

(b) Options to Extend Term?

(c) Options to Purchase?

(d) Rights of First Refusal?

(e) Rights of First Offer?

(f) Maintenance Obligations?

(g) Duty on Landlord to provide utilities?

(h) Real estate tax or CAM escrows?

(i) Delinquent rent?

(j) Pre-Paid rent?

(k) Tenant mix/use controls?

(l) Tenant exclusives?

(m) Tenant parking requirements?

(n) Automatic subordination of Lease to future mortgages?

(o) Other material Lease terms?

10. New Construction?

(a) Availability of construction permits?

(b) Utilities?

(c) NPDES (National Pollutant Discharge Elimination System) Permit?

(i) Phase 2 effective March 2003 - Permit required if earth is disturbed on one acre or more of land.

(ii) If applicable, Storm Water Pollution Prevention Plan (SWPPP) is required.

II. THE SELLER:

1. Who is the Seller?

(a) Individual?

(b) Trust?

(c) Partnership?

(d) Corporation?

(e) Limited Liability Company?

(f) Other legally existing entity?

2. If other than natural person, does Seller validly exist and is Seller in good standing?

3. Does the Seller own the Property?

4. Does Seller have authority to convey the Property?

(a) Board of Director Approvals?

(b) Shareholder or Member approval?

(c) Other consents?

(d) If foreign individual or entity, are any special requirements applicable?

(i) Qualification to do business in jurisdiction of Property?

(ii) Federal Tax Withholding?

(iii) US Patriot Act compliance?

5. Who has authority to bind Seller?

6. Are sale proceeds sufficient to pay off all liens?

III. THE PURCHASER:

1. Who is the Purchaser?

2. What is the Purchaser/Grantee's exact legal name?

3. If Purchaser/Grantee is an entity, has it been validly created and is it in good standing?

(a) Articles or Incorporation - Articles of Organization

(b) Certificate of Good Standing

4. Is Purchaser/Grantee authorized to own and operate the Property and, if applicable, finance acquisition of the Property?

(a) Board of Director Approvals?

(b) Shareholder or Member approval?

(c) If foreign individual or entity, are any special requirements applicable?

(i) Qualification to do business in jurisdiction of the Property?

(ii) US Patriot Act compliance?

(iii) Bank Secrecy Act/Anti-Money Laundering compliance?

5. Who is authorized to bind the Purchaser/Grantee?

IV. PURCHASER FINANCING:

A. BUSINESS TERMS OF THE LOAN:

What loan terms have the Purchaser, as Borrower, and its Lender agreed to?

(a) What is the amount of the loan?

(b) What is the interest rate?

(c) What are the repayment terms?

(d) What is the collateral?

(i) Commercial real estate only?

(ii) Real estate and personal property together?

(e) First lien? A junior lien?

(f) Is it a single advance loan?

(g) A multiple advance loan?

(h) A construction loan?

(i) If it is a multiple advance loan, can the principal be re-borrowed once repaid prior to maturity of the loan; making it, in effect, a revolving line of credit?

(j) Are there reserve requirements?

(i) Interest reserves?

(ii) Repair reserves?

(iii) Real estate tax reserves?

(iv) Insurance reserves?

(v) Environmental remediation reserves?

(vi) Other reserves?

(k) Are there requirements for Borrower to open business operating accounts with the Lender? If so, is the Borrower obligated to maintain minimum compensating balances?

(l) Is the Borrower required to pledge business accounts as additional collateral?

(m) Are there early repayment fees or yield maintenance requirements (each sometimes referred to as "pre-payment penalties")?

(n) Are there repayment blackout periods during which Borrower is not permitted to repay the loan?

(o) Is there a Loan Commitment fee or "good faith deposit" due upon Borrower's acceptance of the Loan Commitment?

(p) Is there a loan funding fee or loan brokerage fee or other loan fee due Lender or a loan broker at closing?

(q) What are the Borrower's expense reimbursement obligations to Lender? When are they due? What is the Borrower's obligation to pay Lender's expenses if the loan does not close?

B. DOCUMENTING THE COMMERCIAL REAL ESTATE LOAN

Does Purchaser have all information necessary to comply with the Lender's loan closing requirements?

Not all loan documentation requirements may be known at the outset of a transaction, although most commercial real estate loan documentation requirements are fairly typical. Some required information can be obtained only from the Seller. Production of that information to Purchaser for delivery to its lender must be required in the purchase contract.

As guidance to what a commercial real estate lender may require, the following sets forth a typical Closing Checklist for a loan secured by commercial real estate.

Commercial Real Estate Loan Closing Checklist

1. Promissory Note

2. Personal Guaranties (which may be full, partial, secured, unsecured, payment guaranties, collection guaranties or a variety of other types of guarantees as may be required by Lender).

3. Loan Agreement (often incorporated into the Promissory Note and/or Mortgage in lieu of being a separate document)

4. Mortgage [sometimes expanded to be a Mortgage, Security Agreement and Fixture Filing]

5. Assignment of Rents and Leases

6. Security Agreement

7. Financing Statement (sometimes referred to as a "UCC-1", or "Initial Filing")

8. Evidence of Borrower's Existence In Good Standing; including

(a) Certified copy of organizational documents of borrowing entity (including Articles of Incorporation, if Borrower is a corporation; Articles of Organization and written Operating Agreement, if Borrower is a limited liability company; Certified copy of trust agreement with all amendments, if Borrower is a land trust or other trust; etc.)

(b) Certificate of Good Standing (if a corporation or LLC) or Certificate of Existence (if a limited partnership) or Certificate of Qualification to Transact Business (if Borrower is an entity doing business in a State other than its State of formation)

9. Evidence of Borrower's Authority to Borrow; including

(a) a Borrower's Certificate;

(b) Certified Resolutions

(c) Incumbency Certificate

10. Satisfactory Commitment for Title Insurance (which will typically require, for analysis by the Lender, copies of all documents of record appearing on Schedule B of the title commitment which are to remain after closing), with required commercial title insurance endorsements, often including:

(a) Affirmative Creditors Rights Endorsement (extending coverage over policy exclusion 7 and policy exclusions 3(a) and 3(d) as they relate to creditor's rights matters)

(b) ALTA 3.1 Zoning Endorsement modified to include parking

(c) ALTA Comprehensive Endorsement 1

(d) Location Endorsement (street address)

(e) Access Endorsement (vehicular access to public streets and ways)

(f) Contiguity Endorsement (the insured land comprises a single parcel with no gaps or gores)

(g) PIN Endorsement (insuring that the identified real estate tax permanent index numbers are the only applicable PIN numbers affecting the collateral and that they relate solely to the real property comprising the collateral)

(h) Usury Endorsement (insuring that the loan does not violate any prohibitions against excessive interest charges)

(i) other title insurance endorsements applicable to protect the intended use and value of the collateral, as may be determined upon review of the Commitment for Title Insurance and Survey or arising from the existence of special issues pertaining to the transaction or the Borrower.

11. Current ALTA Survey (3 sets), [typically prepared in accordance with 2005 Minimum Standard Detail for ALTA/ACSM Land Title Surveys, certified to the lender, Buyer and the title insurer, including items 1 through 4, 6, 7(a), 7(b)(1), 8 through 11(a) and 14 from the Surveyor's "Optional Survey Responsibilities and Specifications" referred to as "Table A"].

12. Current Rent Roll

13. Certified copy of all Leases (3 sets)

14. Lessee Estoppel Certificates

15. Lessee Subordination, Non-Disturbance and Attornment Agreements [sometimes referred to simply as "SNDAs"].

16. UCC, Judgment, Pending Litigation, Bankruptcy and Tax Lien Search Report

17. Appraisal (must comply with Title XI of FIRREA (Financial Institutions Reform, Recovery and Enforcement Act of 1989, as amended)

18. Environmental Site Assessment Report (sometimes referred to as Environmental Phase I and/or Phase 2 Audit Reports)

19. Environmental Indemnity Agreement (signed by Borrower and guarantors)

20. Site Improvements Inspection Report

21. Evidence of Hazard Insurance naming Lender as the Mortgagee/Lender Loss Payee; and Liability Insurance naming Lender as an "additional insured" (sometimes listed as simply "Acord 27 and Acord 25, respectively)

22. Legal Opinion of Borrower's Attorney

23. Credit Underwriting documents, such as signed tax returns, property operating statements, etc. as may be specified by Lender

24. Compliance Agreement (sometimes also called an Errors and Omissions Agreement), whereby the Borrower agrees to correct, after closing, errors or omissions in loan documentation.

It is useful to become familiar with the Lender's loan documentation requirements as early in the transaction as practical. The requirements will likely be set forth with some detail in the lender's Loan Commitment - which is typically much more detailed than most loan commitments issued in residential transactions.

Conducting the Due Diligence Investigation in a commercial real estate transaction can be time consuming and expensive in all events.

If the loan requirements cannot be satisfied, it is better to make that determination during the contractual "due diligence period" - which typically provides for a so-called "free out" - rather than at a later date when the earnest money may be at risk of forfeiture or when other liability for failure to close may attach.

CONCLUSION

Conducting an effective due diligence investigation in a commercial real estate transaction to discover all material facts and conditions affecting the Property and the transaction is of critical importance.

Unlike owner occupied residential real estate, when a house can nearly always be occupied as the purchaser's home, commercial real estate acquired for business use or for investment is impacted by numerous factors that may affect its use and value.

The existence of these factors and their affect on a Purchaser's ability to use the Property for its intended use and on the Purchaser's projected investment yield can only be discovered through diligent investigation and attention to detail.

The circumstances of each transaction will determine what degree of diligence is required. The level of diligence required under the circumstances is the diligence that is due.

Exercise Due Diligence.

Due Diligence Checklists - For Commercial Real Estate Transactions
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R. Kymn Harp is a seasoned attorney based in Chicago, Illinois with 30 years experience representing commercial real estate investors, lenders and developers. He is a frequent speaker at continuing education seminars, and is a widely published author on commercial and industrial real estate topics including due diligence, entitlements, commercial real estate financing, and Brownfield development and financing.

R. Kymn Harp can be contacted at:

Robbins, Salomon & Patt, Ltd
25 E. Washington Street Suite 100
Chicago, IL 60602
Dir. Ph: 312-456-0378
Email: rkharp@rsplaw.com

For more information go to: http://www.realestate-law.com

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