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Drywall Repair – How to Make an Extra $300, $600 and More Per Week Specializing in Drywall Repair

If you have been a house painter for very long you have undoubtedly come into some form of drywall repair on every interior painting job. As a matter of fact, if you don’t get good at mastering drywall repair, your painting jobs will not be as professional as they could be.

In this article I want to reveal how small drywall repair jobs can mean big profits for you. I am talking about making $350 to $500 on average for just 7 – 10 hours of work. Each job is different of course and may turn out to be just a $200 repair or maybe a $1,500 repair.

The fact is that when it comes to drywall repair people always call someone to do the work. As a house painter I know that most people think they know how to paint and the keyword here is “think”. But when it comes to things like drywall repair they go running home to momma.

And this is why you can make good money doing small repair jobs like plumbers and electricians do. The things that most people are unskilled to do themselves are simple and easy for us that decide to specialize in them.

Some people have the money but lack the time and would rather have someone else do the work anyway. 99% of the time though, people just don’t know the trade. Drywall repair is a secret art. As for the ones that attempt to repair their own drywall themselves, the job always turns out lousy.

Where is the target market for getting business? The answer is residential, light commercial, rental properties, etc. As a house painter you can be limited to a higher end market if you wish to earn professional painters wages. But no so with drywall repair. Your market can be low end to high end simply because of the tremendous profits in smaller jobs that most people can afford.

Most of the time you get calls from people when they have water damage. Sometimes it is from reckless teens roughhousing. I had one job where bees ate a hole in the ceiling. I would say that 95% of drywall repair is from water damage and half of that can be from bad plumbing, a leaky shower that needs to be re-grouted, etc. A leaky roof is usually the other reason.

Sometimes you can get jobs hanging and taping small projects like a garage or part of a basement. You don’t have to take on these bigger projects though. Many times people want to sell their house so they are motivated to fix their walls or ceilings finally.

You may ask yourself, if drywall repairs are so simple how can I get good at doing them? First, You need to learn how to duplicate a few common textures, which is easy once you figure out which tool was used to make it. You will also get repairs for common drywall holes of all sizes, which includes plaster (thin set and lathe). And you will need to know how to repair loose tape seams.

And believe it or not, that’s about all there is to successful drywall repair. These techniques are hidden to the public but easy for you and I. If you ever have seen what homeowners try to do to repair their own drywall you will know instantly that this is an easy profitable business.

Here is the amazing part. Most drywall repairs that I see look awful. Yet the homeowner seems happy with it. The job looks like someone came in and slopped a little mud on the ceiling and left. Yet the repair guy ran off with something like $200 and the homeowner for some odd reason usually thinks the job was done O.K. I have seen this too often.

On a serious note though, doing good professional looking work at affordable prices will give you tons of referrals and repeat business. If you can learn the basics of proper drywall repair and even do a little touch up painting afterward you will do just fine. You can indeed earn $30 – $70 per hour due to the nature of the work.

How can I get business? Shopper guides, classified ads in places like Craig’s List, local online ads, small Yellow Pages ads, word-of-mouth, etc. Why should I start a small drywall repair business? Is there a big future in it? Yes for two reasons. First, self-employment is becoming the new work force and secondly, home repair will always be with us.

Who can do this type of work? Anyone who loves to restore things can do well. People who are gifted at home repairs, house painters, drywall, etc. Anyone who learns a few secrets to successful drywall repair.

Understanding the Home Loan Application and Mortgage Approval – The Mortgage Lender Analysis

Do You Pass The Mortgage Lender Analysis? When a mortgage lender reviews a real estate loan application, the primary concern for both home loan applicant, the buyer, and the mortgage lender is to approve loan requests that show high probability of being repaid in full and on time, and to disapprove requests that are likely to result in default and eventual foreclose. How is the mortgage lenders decision made?

The mortgage lender begins the loan analysis procedure by looking at the property and the proposed financing. Using the property address and legal description, an appraiser is assigned to prepare an appraisal of the property and a title search is ordered. These steps are taken to determine the fair market value of the property and the condition of title. In the event of default, this is the collateral the lender must fall back upon to recover the loan. If the loan request is in connection with a purchase, rather than the refinancing of an existing property, the mortgage lender will know the purchase price. As a rule, home loans are made on the basis of the appraised value or purchase price, whichever is lower. If the appraised value is lower than the purchase price, the usual procedure is to require the buyer to make a larger cash down payment. The mortgage lender does not want to over-loan simply because the buyer overpaid for the property.

The year the home was built is useful in setting the loan’s maturity date. The idea is that the length of the home loan should not outlast the remaining economic life of the structure serving as collateral. Note however, chronological age is only part of this decision because age must be considered in light of the upkeep and repair of the structure and its construction quality.

Loan-to-Value Ratios

The mortgage lender next looks at the amount of down payment the borrower proposes to make, the size of the loan being requested and the amount of other financing the borrower plans to use. This information is then converted into loan-to-value ratios. As a rule, the more money the borrower places into the deal, the safer the loan is for the mortgage lender. On an uninsured home loan, the ideal loan-to-value ratio for a lender on owner-occupied residential property is 70% or less. This means the value of the property would have to fall more than 30% before the debt owed would exceed the property’s value, thus encouraging the borrower to stop making mortgage loan payments. Because of the nearly constant inflation in housing prices since the 40s, very few residential properties have fallen 30% or more in value.

Loan-to-value ratios from 70% through 80% are considered acceptable but do expose the mortgage lender to more risk. Lenders sometimes compensate by charging slightly higher interest rates. Loan-to-value ratios above 80% present even more risk of default to the lender, and the lender will either increase the interest rate charged on these home loans or require that an outside insurer, such as FHA or a private mortgage insurer, be supplied by the borrower.

Mortgage Closing Settlement Funds

The lender then wants to know if the borrower has adequate funds for settlement (the closing). Are these funds presently in a checking or savings account, or are they coming from the sale of the borrower’s present real estate property? In the latter case, the mortgage lender knows the present loan is contingent on another closing. If the down payment and settlement funds are to be borrowed, then the lender will want to be extra cautious as experience has shown that the less of his own money a borrower puts into a purchase, the higher the probability of default and foreclosure.

Purpose Of Mortgage Loan

The lender is also interested in the proposed use of the property. Mortgage lenders feel most comfortable when a home loan is for the purchase or improvement of a property the loan applicant will actually occupy. This is because owner-occupants usually have pride-of-ownership in maintaining their property and even during bad economic conditions will continue to make the monthly payments. An owner-occupant also realizes that if he/she stops paying, they will have to vacate and pay for shelter elsewhere.

If the home loan applicant intends to purchase a dwelling to rent out as an investment, the lender will be more cautious. This is because during periods of high vacancy, the property may not generate enough income to meet the loan payments. At that point, a strapped-for-cash borrower is likely to default. Note too, that lenders generally avoid loans secured by purely speculative real estate. If the value of the property drops below the amount owed, the borrower may see no further logic in making the loan payments.

Lastly the mortgage lender assesses the borrower’s attitude toward the proposed loan. A casual attitude, such as “I’m buying because real estate always goes up,” or an applicant who does not appear to understand the obligation he is undertaking would bring low rating here. Much more welcome is the home loan applicant who shows a mature attitude and understanding of the mortgage loan obligation and who exhibits a strong and logical desire for ownership.

The Borrower Analysis

The next step is the mortgage lender to begin an analysis of the borrower, and if there is one, the co-borrower. At one time, age, sex and marital status played an important role in the lender’s decision to lend or not to lend. Often the young and the old had trouble getting home loans, as did women and persons who were single, divorced, or widowed. Today, the Federal Equal Credit Opportunity Act prohibits discrimination based on age, sex, race and marital status. Mortgage lenders are no longer permitted to discount income earned by women even if it is from part-time jobs or because the woman is of child-bearing age. Of the home applicant chooses to disclose it, alimony, separate maintenance, and child support must be counted in full. Young adults and single persons cannot be turned down because the lender feels they have not “put down roots.” Seniors cannot be turned down as long as life expectancy exceeds the early risk period of the loan and collateral is adequate. In other words, the emphasis in borrower analysis is now focused on job stability, income adequacy, net worth and credit rating.

Mortgage lenders will ask questions directed at how long the applicants have held their present jobs and the stability of those jobs themselves. The lender recognizes that loan repayment will be a regular monthly requirement and wishes to make certain the applicants have a regular monthly inflow of cash in a large enough quantity to meet the mortgage loan payment as well as their other living expenses. Thus, an applicant who possesses marketable job skills and has been regularly employed with a stable employer is considered the ideal risk. Persons whose income can rise and fall erratically, such as commissioned salespersons, present greater risk. Persons whose skills (or lack of skills) or lack of job seniority result in frequent unemployment are more likely to have difficulty repaying a home loan. The mortgage lender also inquires as to the number of dependents the applicant must support out of his or her income. This information provides some insight as to how much will be left for monthly house payments.

Home Loan Applicants’ Monthly Income

The lender looks at the amount and sources of the applicants’ income. Sheer quantity alone is not enough for home loan approval; the income sources must be stable too. Thus a lender will look carefully at overtime, bonus and commission income in order to estimate the levels at which these may reasonably be expected to continue. Interest, dividend and rental income would be considered in light of the stability of their sources also. Under the “other income” category, income from alimony, child support, social security, retirement pensions, public assistance, etc. is entered and added to the totals for the applicants.

The lender then compares what the applicants have been paying for housing with what they will be paying if the loan is approved. Included in the proposed housing expense total are principal, interest, taxes and insurance along with any assessments or homeowner association dues (such as in a condominium or townhomes). Some mortgage lenders add the monthly cost of utilities to this list.

A proposed monthly housing expense is compared to gross monthly income. A general rule of thumb is that monthly housing expense (PITI) should not exceed 25% to 30% of gross monthly income. A second guideline is that total fixed monthly expenses should not exceed 33% to 38% of income. This includes housing payments plus automobile payments, installment loan payments, alimony, child support, and investments with negative cash flows. These are general guidelines, but mortgage lenders recognize that food, health care, clothing, transportation, entertainment and income taxes must also come from the applicants’ income.

Liabilities and Assets

The lender is interested in the applicants’ sources of funds for closing and whether, once the loan is granted, the applicants have assets to fall back upon in the event of an income decrease (a job lay-off) or unexpected expenses such as hospital bills. Of particular interest is the portion of those assets that are in cash or are readily convertible into cash in a few days. These are called liquid assets. If income drops, they are much more useful in meeting living expenses and mortgage loan payments than assets that may require months to sell and convert to cash; that is, assets which are illiquid.

A mortgage lender also considers two values for life insurance holders. Cash value is the amount of money the policyholder would receive if he surrendered his/her policy or, alternatively, the amount he/she could borrow against the policy. Face amount is the amount that would be paid in the event of the insured’s death. Mortgage lenders feel most comfortable if the face amount of the policy equals or exceeds the amount of the proposed home loan. Less satisfactory are amounts less than the proposed loan or none at all. Obviously a borrower’s death is not anticipated before the loan is repaid, but lenders recognize that its possibility increases the probability of default. The likelihood of foreclosure is lessened considerably if the survivors receive life insurance benefits.

A lender is interested in the applicants’ existing debts and liabilities for two reasons. First, these items will compete each month against housing expenses for available monthly income. Thus high monthly payments may reduce the size of the loan the lender calculates that the applicants will be able to repay. The presence of monthly liabilities is not all negative: it can also show the mortgage lender that the applicants are capable of repaying their debts. Second, the mortgage applicants’ total debts are subtracted from their total assets to obtain their net worth. If the result is negative (more owed than owned), the mortgage loan request will probably be turned down as too risky. In contrast, a substantial net worth can often offset weaknesses elsewhere in the application, such as too little monthly income in relation to monthly housing expense.

Past Credit Record

Lenders examine the applicants’ past record of debt repayment as an indicator of the future. A credit report that shows no derogatory information is most desirable. Applicants with no previous credit experience will have more weight placed on income and employment history. Applicants with a history of collections, adverse judgments or bankruptcy within the past three years will have to convince the lender that this mortgage loan will be repaid on time. Additionally, the applicants may be considered poorer risks if they have guaranteed the repayment of someone else’s debt by acting as a co-maker or endorser. Lastly, the lender may take into consideration whether the applicants have adequate insurance protection in the event of major medical expenses or a disability that prevents returning to work.

When a mortgage lender will not provide a loan on a property, one must seek alternative sources of financing or lose the right to purchase the home.

Choosing a Renters Insurance Company

If you are in the market for renters insurance coverage, you should know that practically all insurance companies will give terrific rates on renters coverage if you have one or more other policies with them. In other words, if you have a life insurance or car insurance policy with a specific company, you will be offered better rates through the company you’re already with than another company. Don’t waste time shopping around, just go with the company you already have coverage through. However, if you don’t have coverage of any kind, here’s what to look for when choosing a renters insurance company to go with.

1) Look for discounts. Choose a company that gives significant discounts. Many insurance companies will offer discounts on renters policies for things like security devices, smoke alarms, even non smoking residents. When shopping around, find out exactly what percentage discounts are offered for the specific features.

2) Deductible options. Most people who obtain rental insurance like to choose the highest deductible option. It’s usually a good idea. You will get the lowest rates possible with the highest deductible possible. Rental insurance claims don’t occur very often so reducing your rates by opting for the highest deductible option is a good idea. Make sure the company you choose gives sufficient deductible options.

3) Look for good credit discounts. Some insurance companies, not all, will offer significant discounts on rental insurance rates if the insured has a good credit rating. If your credit needs improvement, it may even be a good idea to consult a credit repair specialist to raise your score.

How Flood Insurance Works

Far too many homeowners are under the erroneous belief their homeowner insurance covers flooding. This simply isn’t true. If you live in an area prone to hurricanes, tropical type storms, heavy rains and other watery weather conditions, flood insurance would be a wise investment.

The National Flood Insurance Program (NFIP) was created by Congress in 1968. The purpose was to provide a means for property owners to financially protect themselves in the event they experienced a flood.

The program isn’t for home owners only. It covers renters and business owners as long as their community participates in the NFIP. This means the participating communities have agreed to adopt and enforce ordinances that meet or exceed FEMA requirements to reduce the risk of flooding.

The reason the community adopts FEMA requirements is that FEMA administers the NFIP. The FEMA rules are not overly burdensome to the community. They have to first join the NFIP and enforce sound floodplain management standards.

Flood insurance is not purchased through FEMA or the NFIP. Rather, consumers purchase this coverage through property and casualty (PC) insurance agents. Neither the agents nor the participating insurance companies can set their own rates.

Flood insurance rates depend on many factors. The most obvious are the date and type of construction of your home coupled with your building’s level of risk. This tells you flood insurance coverage protects both buildings and contents. The land your buildings or contents occupy is not covered. You can not insure land.

According to the NFIP, building coverage includes the insured building and its foundation, the electrical and plumbing system, central air conditioning equipment, furnaces, water heaters, refrigerators, cooking stoves, built in appliances and permanently installed carpeting over unfinished flooring.

The NFIP says clothing, furniture, electronic equipment, curtains, portable and window air conditioners, portable microwaves and dishwashers, carpeting that is not already included in property coverage and clothing washers and dryers are included under contents coverage.

If you have a flood claim, you will be reimbursed in one of two methods. The first is called Replacement Cost Value (RCV) and the second is Actual Cash Value (ACV).

The RCV is the cost to replace damaged property. It is reimbursable to owners of single-family, primary residences insured to within 80% of the building’s replacement cost.

All other buildings and personal property (i.e. contents) are valued at ACV. The ACV is the RCV at the time of loss minus physical depreciation. Personal property is always valued using the ACV.

Flood insurance can seem complicated so it is wise to have the agent answer all of your questions. If you have to, go over each coverage until you understand what is and is not covered.

Juki Sewing Machines – Fit For Your Household Or Semi-Professional Needs

Juki Sewing Machines are a product of “Mind and Technology” and they cater to your household and semi-professional needs. Their household sewing machines are equipped with all of the sewing capabilities that will make you enjoy needlework like straight stitching, zigzag stitching and buttonholing among others. There are some models that come with helpful and very useful features such as automatic thread tension adjustment and a series of reverse-stitching and thread-trimming functionalities. The pushbutton controls will provide you with ease of use.

Among the household Juki Sewing Machines, I personally like the HZL-E80. It’s a computerized machine that includes 150-stitch patterns. It also comes with 8 automatic buttonholes and letter sewing. Other features include quad-mode LED indicator, automatic lock stitch, free arm, drop-in bobbin, automatic needle threader, easy start sew and memory function. The memory function allows you to store up to 40 stitch pattern combinations. You can have so much fun in combining decorative stitches and letters (both upper and lower case) as you please.

If you want a simple and compact sewing machine or you’re just getting started then you can opt for the HZL-30Z. It is loaded with great features like drop-in bobbin, automatic needle threader, extra feed dog, free arm, easy start sew and foot speed controller.

If you want semi-professional Juki Sewing Machines, you can go for TL-98Q, TL-98QE or TL-98P Perfection. All of these models come with 1-needle lockstitcher with automatic thread trimmer. You don’t have to worry about heavy-weight and tough materials because now you can sew with ease. The speed control mechanism which is operated by microcomputer allows the machine to sew materials at low speeds. This will provide you with accurate feed and perfect stitching every time you work with tough fabrics. Quilting multiple layers of materials will be so easy as well.

Where to Get Cheap Homeowners Insurance

Cheap homeowners insurance. Does it really exist? Yes … if you know how and where to look. Here’s how to find cheap homeowners insurance the easy way.

What Homeowners Insurance Covers

Structural Coverage – This coverage pays to have your home rebuilt if it’s damaged or destroyed. To find out how much coverage you need, get the square-foot building cost in your area from a builder or a realtor, then multiply that figure by your home’s square footage.

Personal Property Coverage – Your personal property is anything in your home that is not not part of the house structure – clothing, furniture, appliances, electronics, etc. To figure out how much personal property coverage you need, take an inventory of everything you own, then add up each item’s value to get the coverage amount.

Expensive items like jewelry, furs, antiques, and collectables may not be covered under some policies, so you’ll need to purchase extra insurance to cover them.

Liability Coverage – Liability coverage pays for damage done to others and their property when you’re at fault. It also pays for your legal fees if you’re sued. If you don’t have a lot of assets, $100,000 coverage may be enough. But if you do have a lot of assets that you could lose in a lawsuit, consider purchasing at least $300,000 to $500,000 worth of liability coverage

Off-Premises Coverage – This pays for your basic living expenses if your home becomes uninhabitable due to fire or other causes. This coverage is especially important if you live in a high risk area for natural disasters.

Most homeowners policies do not cover floods and earthquakes, so you’ll need to purchase extra coverage if you live in a flood or earthquake zone.

How to Get Cheap Homeowners Insurance

Insurance rates can vary by hundreds, even thousands of dollars from one company to the next. This being the case, the best way to get cheap homeowners insurance is to go to an insurance comparison website where you can compare rates from a number of different companies.

A few comparison sites even have insurance professionals on hand to answer any questions you may have through their online chat service (See link below.)

To get the cheapest rate, make sure to request the highest deductible you can afford, and get all the discounts you’re eligible for.

Importance of Family in Our Life

Family is very important part of our everyday life. It helps us in improving our personality. It also helps us in shaping our life. It teaches us the value of love, affection, care, truthfulness and self-confidence and provides us tools and suggestions which are necessary to get success in life.

Family is a place where you can be yourself. It is a place where you are accepted for what you are. This is where you are completely tension free and everyone is there to help you. Family encourages you when you are surrounded by problems. It helps you survive through tough times and bring joy and happiness into life.

Decency is very important in the communication of daily life. It helps us make strong relationship with others and make us come across as a very gentle, intelligent and likable person. Everyone loves to be in a company of such person. Family helps bring decency into our life which is necessary to lead a happy life.

One of the most important aims of our life is to build a successful and highly rewarding career. Our families help us in creating a strong future. It gives us valuable suggestion about different career prospective. It not only guides us in choosing the best but also financially helps us to cover the expenses of education. Thus it helps us in making a good future.

The importance of family is probably realized when one went to holiday or celebrate an occasion without family members. It was very hard to celebrate an occasion or went to holiday without being surrounded by family members. At that time probably we realize that how important they are to us. At that time, we came to know about the importance of our families.

Today, most people don’t realize the importance of family. They prefer to spend most of their time with their friends. But when they are surrounded by problems, it was their family that helped them get rid of problems. At the time, when even our best friends refuse to help us, it was our family that came to help us. So it is very important for each and every individual to give importance to their families above anything else and enjoy spending time with family members.

Tips on Motorcycle Modification

If you are going to travel a far off place on your bike or are planning a tour with your friends, you can do that with any of bike available to you. The point that can make this tour an enjoyable experience is that you get a bike of your own choice. It’s same like you quench your thirst by plain water or you enjoy an energy drink to do that. If you’re a bike lover, then the thrill of the travel will be more increased. So, how can one get the desired results in this regard? The answer is simple. All you have to do is the modification of your bike. You will modify your bike as much as you can afford. When it comes about motorbike modification, exhaust system peeps into our minds and takes the first position. Most of the motorbike riders start modifying their vehicles starting from motorcycle exhausts. They change the look, enhance their performance and improve the productivity of the vehicle if they are from a good manufacturer.

It’s always the ‘Money’ that ‘makes the mare go’. One can’t afford all the categories of bikes at the same time. However, modification becomes a viable option to meet these challenges. Through aftermarket motorbike accessories you can get the desired results through the pre-existing bikes. It saves you from buying a specific bike for a specific endeavor especially when you’re not in a position to buy a new one. Aftermarket exhausts can play a major role in this respect. Compares to stock exhausts, they have a comparative edge as they provide you with lots of flexible options ranging from sound to the feel of power you want to have in your vehicle. There are manufacturer that can manufacture exhausts as per your choices like if you want to have a long or short exhaust for your vehicle you can have it.

Aftermarket accessories have helped motorbike lovers from style to fulfillment of choices in a cost effective way. However, before you buy any aftermarket accessory for your bike, it’s important to know whether it matches your bike’s engine and other specifications or not.

Difficulties With Insurance Carriers Lead to High Cost of Healthcare

With the cost of delivering quality healthcare on the rise, insurance companies continue to add to the problems facing physicians nationwide. Many people believe doctors spend the majority of their time on golf courses while earning millions of dollars. That may have been true in the past, but today there are formidable obstacles preventing those that provide care from collecting their fees. These days many physicians are forced to write-off a large portion of revenue due to the unreasonable practices of insurance carriers.

Insurance companies employ teams of representatives responsible charged with the receipt, processing, and servicing of insurance claims. When healthcare providers submit insurance claims, they are forced to follow-up vigorously in order to ensure that they receive reimbursement. The process of submitting and following up on claims is marred with holes and inconsistencies making it difficult to communicate with insurance carrier representatives. After navigating through a maze of automated responses, healthcare providers and their billing representatives are lucky to actually reach a live person. Once reaching a representative, all the information previously submitted must then be re-verified as if none of the previous entries were recognized.

As if the process had not been time consuming and difficult enough, healthcare professionals usually realize that the person on the other side of the line only has basic information available to them. What’s worse is that they usually expect providers to simply accept the lack of information available and move on. In most cases, providers and their staff must demand the help of a supervisor just to receive any sort of reasonable insight in to the matter at hand. What’s funny is the consistency with which these “Insurance Company Supervisors” seem to have more detailed information available to them. In the end, it often takes more than one insurance company representative and 45 minutes of time to receive relevant information pertaining to just one insurance claim.

With this being the case, one can see how the term “wasteful healthcare spending” is so common today. It seems as though the insurance companies are wasting time and money every day. Insurance companies profit billions of dollars each year while making it extremely difficult for healthcare providers to receive reimbursement for the services they perform. Even after healthcare providers verify coverage and obtain prior authorization, insurance companies still delay payments and deny claims.

A recent report from PriceWaterhouseCoopers states that “inefficient claims processing” is the second largest are of wasteful healthcare spending, costing as much as $210 billion annually. The New England Journal of Medicine reports that billing and overhead expenses consume as much as 43% of a physicians annual revenue. With statistics that these, it’s no wonder the cost of healthcare is spiraling out of control. Insurance companies are profiting while individuals can hardly afford coverage, and helathcare providers find it hard to turn a profit. Surely something is wrong.

Although healthcare professionals are focused on reducing costs and expanding coverage, they cannot do it alone. If we are to be successful controlling the rising costs associated with healthcare, insurance companies and government regulators must commit to change. Only through a concentrated, coordinated effort will we achieve affordable healthcare.

Airline Accidents – Airline Maintenance

I am neither an Airline Pilot nor an Aviation Mechanic. I have observed the news with regards to airliner accidents though. The articles that I have read talk about the possibility of poor or shoddy maintenance, mediocre at best. I believe that the majority of Aviation Maintenance Facilities are reputable and that they employ skilled Mechanics. Having said this, some of you out there may think that I am naïve and not in touch with reality. That’s fine. I look forward to any comments, insights, or criticisms. Airlines have outsourced there maintenance operations to cut costs.

To be in the airline business today is financially a very risky proposition. Some people believe that when airlines outsource the maintenance to cut costs that they also cut corners. But think for a moment about all of the millions of people that fly on airlines each year, and think of the millions of air miles that are flown each year, without incident. But the media will put an airline crash on the front page because if it bleeds it leads. I am not faulting the media, they are just doing there job.

I know that it has been said many, many times that: “Air travel is safer than _____” (fill in the blank). But to the loved ones that have perished in those accidents that is no consolation. Could some of the accidents have been prevented? I am sure of it. Were the accidents due to pilot error? Were the accidents due to a bad design or an engineering flaw? Were the accidents due to bad maintenance? The National Transportation Safety Board (NTSB) investigates the crashes to find out. People have asked if the FAA is doing its job. That could be debated on and on. Are all the Aviation Maintenance Facilities around the world at the same level? Do all the Aviation Maintenance Mechanics around the world have the same level of expertise? I am asking a lot of questions here. I look forward to reading the replies that contain possible answers and to the dialogue that hopefully gets sparked.