Articles written by Julio Ibarra

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About me - Julio Ibarra

I was a photographer journalist for 18 years and my clients were the Associated Press, The New York Daily News and The New York Times in New York City. My skills were able to take me far, farther than what I would have ever imagined. I spent much time over

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Sports & Recreation > Biking Tips for maintaining control, power and speed when taking the plunge on your bicycle: 2 of 11
Tips for maintaining control, power and speed when taking the plunge on your bicycle.How to maintain cycling control at a high speed descent, can you imagine the rush? As you listen to the wind howling past your ears, and glance at the trees from the corner of your eyes as they zip past you, the power that you will feel. Ther... More..
Personal Finance > Real Estate Finding the best commercial mortgages: 1 of 3
How to find the best Commercial Mortgage?You don't have to be a savvy business man or woman to get a great deal on a commercial property or find the best mortgage. Don't be intimidated by anything you hear, with a good accountant, attorney, broker, and along with your creative mind, these will be your best tools. Hire profess... More..
Personal Finance > Mortgages & Home Loans Determining the down payment on a house: 5 of 12
Determining the down payment on a house? How to determine the down payment on a house? Your concern should also be, "can I afford this home?" The next thought, "how is my credit score?" These are the questions that you should tackle before the thought of a down payment. Learn to qualify yourself before you search to buy a hom... More..
Personal Finance > Mortgages & Home Loans Buying a house without spending the money: 1 of 2
Buying a house without spending any money? Who has ever heard of such a thing, how is it possible? If I use OPM (Other People Money), would I not have to pay it back? After all, the bill does come to me, it is not my money at first, but it will be every month when I have to pay it back to the credit card company or to a frien... More..
Food & Drink > Cocktails Drink recipes: Bronx: 1 of 2
Bronx Drink HistoryLet us blast to the past of the Bronx Drink history, this drink has seen its hey days of the black bow ties, white shirts and smoked filled rooms, it was infamous among the aristocrats in the1900's, that was well over a century ago!The "Bronx Cocktail" as it was known, was a wonderful drink discovered in Ph... More..
Personal Finance > Mortgages & Home Loans Refinancing issues associated with commercial mortgage loans: 1 of 1
Refinancing issues associated with commercial mortgage loans.We have found ourselves in the "funding era of dilemma". The trickled effects of the sub prime residential market, has caused the commercial lending institutions to tighten their grip around their funds, and have become very selective as to whom they will lend those... More..
Travel > Caribbean & Atlantic Caribbean travel destinations: Punta Cana, Dominican Republic: 2 of 3
The Dominican Republic known for its friendly Spanish speaking inhabitants; the island of Hispaniola (Espaola) is shared with its neighbor Haiti to the west with the Dominican Republic to the east it is 48,730 sq km (18,815 sq mi). Have your passport ready? For today we are planning to take a flight from our neighboring airpo... More..
Relationships & Family > Friendship Advice Tips for helping those in need during a recession: 4 of 5
Help someone you know, or how about a total stranger, and why not? What about if you are that stranger? Here are a few simple tips for helping those in need during a recession. It is beyond offering gifts of money. That is only a temporary fix. Be a leader. Some would not consider offering a stranger anything at all, possib... More..
Religion & Spirituality > Astrology & Prophecy Returning to an ex repeatedly: Karma or weakness?: 63 of 72
Have the astrological forces brought you and your ex to unite once again? You are thinking perhaps "this is karma, or that you are been weak for this bold move"? Are the two of you the wrong astrological signs for one another? As these questions fall in mind. There are answers as to why, and will it work this second round. ... More..