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As a Pennsylvania-licensed real estate instructor, Joe Zlomek regularly conducts classes for professionals who hold real estate sales and broker licenses in the Commonwealth. On occasion, though, he develops additional course materials that benefit not only professionals but consumers as well. These are in the form of Microsoft PowerPoint slides printed as Adobe Acrobat documents. Click on the links below to open these files; you will need the Adobe Acrobat Reader, available free from Adobe.com, to view them. They also can be saved to your hard drive.

Here's what's currently available:

• Meditation and Its Beneficial Effects
  (Created by Debra A. Zlomek)
• Tips On Asking For A Raise
  Find this in PowerPoint format at ThinkFree Docs
• Ending Credit Problems
  Find this in PowerPoint format at ThinkFree Docs