All books using the keywords: Ray Cziczo

The purchase of a house is the single largest investment we are likely to make in our lifetime. It is also a decision that we should make only after studying and comparing houses that we are considering purchasing. The decision to purchase a house is a decision we should not take likely. The average homeowner should not expect to be an expert in plumbing, electricity, framing, and the other disciplines required to build a home. But I believe that everyone can come to a reasonable understanding on the elements of home construction and the relative quality of construction materials with a minimal investment of time. Armed with this information you can approach the process of home buying ...

The goal of a rehab business or any business is to make a profit. Understanding all the costs associated with rehabbing a home is essential. Select a real estate agent or agents that you can trust and that know the market in your area. Pick homes that will allow you to meet your profit goals. Do not undertake projects that are beyond your skills or financial capabilities. Determine your anticipated direct rehab costs and associated costs. Once you have determined the projected selling price of the home, once it had been rehabbed, and all direct and associated rehab cost you can determine the maximum price you should pay for your rehab property to achieve your profit goal. Have th ...

The Declaration of Independence and the Constitution are the two most magnificent documents created by man. They have allowed the Republic of the United States of America to become the most prosperous nation the world has seen. We have been a beacon and a haven for the tired, the poor, and the huddled masses yearning to breathe the air that free men breathe. Alexander Tytler, A Scottish advocate, judge, writer, and historian observed that all democracies are temporary in nature. A democracy will continue to exist up until the time that voters discover that they can vote themselves generous gifts from the treasury. From that moment on, the majority always votes for the candidates who p ...

When God created man and woman and they began to converse, things would never be the same. We now have many languages and many forms of communication but communicating has never been more difficult. We have made great strides technologically but sadly, not socially. It has never been easier to communicate but it has also never been more difficult to communicate. We have collectively, had lost our ability to listen, to understand, to relate, to empathize, to compromise, to forgive, and to move on. We rediscovered the first person singular and forgot the third person plural. But this affliction in not terminal. We have the ability to self-medicate, to stop its progression, and repair ...

When covid first come on the scene it was portrayed as most devastating illness or event, the world had seen. But that was and never would be the case for those who have studied history or lived through it. We are a nation that has faced numerous and formidable obstacles and overcame them through hard work and perseverance. Our nation has had a long history of illness, suffering, and death. To be fair, when covid first made the scene, not a lot was known about the symptoms, the pathology, the source of spreading, and a treatment regimen. And it was not unwarranted to take ample precautions to slow the spread and minimize any health impacts. There was never an expectation that this vir ...

There are literally millions of cars, trucks, and sport utility vehicles that travel the streets every day. Add to that the thousands of boats, recreational vehicles, motorcycles, jet skis, and snowmobiles owned by individuals. Besides privately-owned vehicles, millions of vehicles are owned by corporations, car rental agencies, truck leasing agencies, small businesses, utilities, and governmental agencies. Each of these forms of transportation, whether privately owned, business owned, or government owned, represent a substantial investment. All forms of transportation are subject to the effects of weathering by the sun, rain, heat, cold, and chemicals. "Detailing for Fun and Profit" ...

Many people and all Christian believe that God created the heavens and the earth and all living creatures. God is the source of order in our universe and the author of the rules and laws of science, physics, and biology. That man is composed of not just matter that we can touch, see, and feel, but a soul, a conscience, and a moral compass. But there is an alternate view of how the solar system, the planet we call earth, and creatures that inhabit it were created, are the product of the random interactions of chemical elements, and molecules. Maybe it is because they cannot confirm in their own minds the existence of an intellect or being superior to themselves, maybe they cannot bring th ...

Many people think about, dream about, and talk about being a general contractor and building their own home. If you have the desire and are willing to put forth the effort, you can realize your dreams and ambitions. A General Contractor is a project manager. If you can manage projects, schedule activities, and work with people, you can build your dream home. General Contracting - A Guide to Home Construction, removes the mystique of General Contracting and gives a step by step, easy to understand, guide on how to plan, schedule, manage, and construct a new home. You will be walked through the process of selecting a plan, revising a plan, selecting contractors, obtaining a building p ...

The most important legacy that a parent can leave their children is leaving a world a better place than it was before they entered this world. We have become a people obsessed with themselves. We have “selfies”, entitlements, “safe spaces”, and a plethora of self-endowed rights. We idolize movie stars, sports figures, the young and the beautiful. We glorify sex, violence, greed, drugs, and alcohol. We idolize people and ignore God. We glamorize Hollywood rather than trying to be like Mayberry in the Andy Griffith Show. Young couples today are impatient, often placing greater importance on material things rather than taking time to develop their relationship. Careers and possessions are a ...

In the United States we are witnessing an unprecedented assault on our Judeo Christian heritage and God. It was President Obama that proudly proclaimed that “We are not a Christian Nation” although The Declaration of Independence, the Constitution, our history, and our culture says otherwise. Conversely there has been a concerted effort on the part of the President to promote Islam. While thousands die at the hands of Islamic terrorists he remains undeterred in supporting their goal of global dominance characterizing them as a religion of peace. It has been the Judeo Christian principle of fairness, generosity, kindness, fidelity, hard work, self-sacrifice, humility, compassion, forgi ...