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I have found that regardless of how much we want to keep our documents locked safely away in our cupboards and computer storage CDs, there are always times when we will need to print these documents out. This is like used copiers. To select the type of printer toner that will give you the type of quality that is needed you will need to see what your printer model details are.

The reason is that with so many makes of printers around the various cartridge and toner manufacturers have created an array of toners that you can use. Which is similar to canon color copier. The first path that you use to help you is the internet.

Additionally you can use product reviews to find out what the experts in the field have to say about the performance and efficiency of the different copiers that you can buy. This is similar to Staples coupons. Once you see a variety of printer toners that appeals to you and you think that it may work well with your copier you should make plans to purchase them. As you can use these toner printers for your high quality documents you should buy only the best possible printer toner that you can afford.

You may have seen that in late August, the National Association of Realtors® announced the introduction of their Short Sales and Foreclosure Resource Certification Program (SFR). According to the press release, “The program includes training on how to manage short-sale, foreclosure, and real-estate owned transactions, and provides resources to help Realtors® stay current on national and state-specific information as the market for these distressed properties evolves.”

Now, while this program is definitely a step in the right direction for the NAR–who finally seem to have realized (about a year late) that knowing how to successfully process short sales and foreclosures is essential for Realtors® who want to succeed in today’s distressed market–it seems to me that it falls a bit short of being the complete answer for a few reasons.

First of all, while the program promises that the two core courses (members must complete one of the two to be certified) will be available in online versions in October and, “at the end of 2009″ respectively, at this point they are only offered in a one-day classroom format in very limited locations in 26 states. For example, the only course being offered in California is on November 12 at the NAR Conference and Expo in San Diego. Seriously? Only ONE class on ONE DAY for the ENTIRE STATE? Come on! Since Realtors® are in desperate to get the skills and information they need to process short sales and foreclosures, this lack of convenient locations is a pretty serious downer.

Secondly, as I suggested in my introduction, the program seems kind of late in arriving–especially considering the fact that all the coursework required for certification still isn’t even available! In addition to the core courses not being available online until later this year, the online “webinars” Realtors® need for certification (they must complete three) won’t be available until early October either. All of this makes the NAR’s announcement even less inspiring.

Finally, while the program does seem to offer a fair amount of education for Realtors® looking for short sale and foreclosure processing expertise (or should I say will offer–once the courses and webinars are readily available), what it fails to provide is much in the way of continuous updates on short sale and foreclosure laws and regulations, access to each lender’s specific requirements and paperwork, and tools to successfully market themselves to potential clients. While the program’s website claims that it offers Realtors® opportunities to, “Network with [their] peers, reach consumers and stay up-to-date on the latest news and events related to short sales and foreclosure transactions,” this is accomplished by joining the program’s Facebook page–hardly the kind of serious, professional support you’d expect from an NAR certification program!

So, while the program does have it’s positives, it’s pretty clear that Realtors® who really want to have success in the short sale and foreclosure market will still want to use third-party sources like The Agent Center who specialize in providing the knowledge and support they need. This includes regular updates on applicable laws and regulations, specific lender packages and current submission requirements, and marketing and presentation tools to help sell themselves to clients.

It’s true that adding “SFR Certified” to their resume won’t hurt Realtors® looking to profit from the wealth of short sale and foreclosure opportunities currently available, but it looks like an effective third-party source is still going to be a necessity!

Christina Inman, the CEO of TheAgentCenter.com, has been a real estate industry specialist, author and broker for 17 years.

The thermometer is starting to plummet and the snow is forecasted for the end of the week so it’s time to take the last steps of preparing for a winter turnout. Horses are made to withstand cold weather and do quite well in 20F weather. It has been shown that horses are healthiest when they are outside for at least part of the day in comparison to being kept in the padlock all winter long.

There are a few things that do change during the winter season to make allowances for the colder weather.

Make sure that water is always available. When the temperatures dip down ice can form on the water troughs. If this is an ongoing problem where you live then an investment in a water heater or an automatic pasture waterer will do the trick. It’s always a good idea to keep an eye on how much they drink, since although they require water, their thirst drops off in the winter.

A shelter is important on cold windy days. A roof with 3 sides is the best because it covers every angle the wind can come in except the front. It looks like an oversized bus shelter. It’s essential to remember that horses will require more food during the winter months. This is because it requires more energy to stay warm. Increase the amount of hay. Since it takes longer to break down, hay endures longer which in turn provides more long term heat.

Supplements are also a high priority in the cold season. A very effective supplement is TAHITIAN NONI® Equine Essentials. It supports the equine immune system with superior antioxidant activity as well as promotes proper feed digestion and nutrient absorption. The cold winter air tends to dry out hair and skin but the TAHITIAN NONI® Equine Essentials combats this. If you have a horse with joint problems there is a sister product called TAHITIAN NONI® Equine Essentials Flex^TM that has had great results.

Here is a tip for beautiful sunny days when the light is reflecting that it is almost blinding. Use the fly masks. It cuts the glare. They are also handy on really windy days especially if your horse has ever had problems with his eyes.

You have to admit there is something beautiful about horses running in the snow. As indicated at the bottom of all our web pages, these statements have not been evaluated by the Food and Drug Administration and these products are not intended to diagnose, treat, cure, or prevent any disease. Please visit our website for details.

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