Tuesday, July 31, 2012

Long term installment loans: Available Easily to Fulfill Demands of Life

People need money in order to support them and to respond positively to the demands of life. Demands of life are simple and innocent. Sometimes it is a car and sometimes higher education of children but such demands are endless. On the other hand, income of an individual is always limited. This is why he is found to keep himself busy in search of sources of money. Money in his purse allows him to smile and disappointment captures his mind if the purse is weak. Long term installment loans may help him when he is really in need of money.

Long term installment loans are available of two variants. The first one is known as the secured form and in this form the borrower should produce documents in support of the fact that he owns a home in his name or he has similar kind of property. In the first form the property of the borrower is pledged as collateral. By doing so he will get the following benefits:

1. He will be given a loan in the range of ,000 to ,000.
2. The rate of interest will be not high.
3. The repayment period will be longer (between 10 and 25 years).

Long term installment loans may also be obtained in unsecured form in which case the borrower is not required to produce any property to be pledged as collateral. But his terms of loan will be like the following:

1. The amount of loan will be less and will be in the range of 00 to $ 25000.
2. The rate of interest is much higher.
3. The repayment period will be shorter (between 1 and 10 years).

One more advantage in long term installment loans is that people who have tag of bad credit history can also get this loan. The borrower can apply online and the money may be transferred to his bank account within 24 hours provided application form is filled in properly. There are plenty of lenders and lending agencies who are ready to give long term installment loans and loan payment process is smooth and easy.

Sunday, July 29, 2012

Student Loan Consolidation Programs - How To Take Advantage of Debt Consolidation

The primary factor to keep in mind regarding a student loan is that it is not a determent or expense but rather an investment, for yourself. When you finish your college education, it will lead you to a satisfying job and more earnings during the course of your career.

Never let the weights of your student loans influence your credit. Take into consideration of consolidating your loans so it will be easier for you to pay them back.

A student consolidation loan program permits students to join together all unsettled and unpaid loans. For instance, when a certain student has four separate or individual loans, all can be consolidated into just one loan, if the student chooses to. Theoretically, all four loans will be regarded as paid and another loan will begin as replacement.

3 Benefits of Student Loan Consolidation Programs

1. It is simple and convenient. When you have multiple loans, this means making several monthly payments; with this comes a lot of paperwork as well as keeping track of a lot of different due dates. With a student loan consolidation, there will only be one loan payment every month, making it more manageable.

2. Students can save money. For instance, a student having four unsettled loans can be obliged to pay 0 every month to all four lenders, which will amount to a total of 0 every month. After consolidation however, you are only required a single payment each month which will be of a lesser amount compared to all four payments combined. This can be an enormous saving for such students just starting on their jobs and do not have yet the wages or earnings needed to pay such a large amount of loan immediately.

3. It can open up added opportunities. Students can be granted deferment options as well as extra repayment chances. This additional flexibility may be beneficial for certain students wanting to continue or resume their schooling further, striving to locate employment or going through financial difficulty.

Check before getting a student consolidation loan rate and plan of payment.

The most evident way to acquiring the best student consolidation loan payment and rates is by possessing good credit. It will be easy to acquire an excellent student consolidation loan plan if one has a credit score more than 660 (FICO score). However, there are also a lot of ways to acquire the best student consolidation loan payment plans and rates.

A quick Internet search and examination on credit scores and FICO is needed in order for you to learn and get the information necessary so you can analyze your credit score.

Being aware of your credit history is one way to check your chances of acquiring the best student consolidation loan rates. Regularly examining records or documents of your finances is one good habit and can be of great help to determine your "student-loan-worthiness."

Student loan consolidation rates and programs can differ from one person to another. The rates being offered are based on one's financial standing and credit. Generally, if one has a FICO score of 600 or less, getting a suitable student consolidation loan rate and proposal can be a challenge.

Saturday, July 28, 2012

Points To Keep In Mind Before You Sell Gold For Cash

The highly volatile and sinking economy has shaken the trust of the people on the stock as well as the real estate market. The investor today likes his investment to be safe from all market risks and gold is surely the best option. This has resulted in an all time high increase in the demand for gold and has taken the prices of gold touching almost to the sky. If you are also looking to make some quick money and sell gold for cash, keep in mind the following some points to get the best value for your gold.

1. Raw gold is better than jewelry: Raw gold will anytime fetch you better money than gold jewelry. If you have a make a choice between jewelry and raw gold to sell, select raw gold without thinking twice.

2. Get your gold appraised: It is a good idea to get your gold valued beforehand. The idea here is to ensure that you already have an idea of the amount that your gold will fetch you and avoid chances of getting duped by the dealer.

3. Know the value of gold: Even a layman knows that the purity of gold is measured in Karats. You should have a proper idea about the karat value of your gold as the higher the karat value, the higher the value of gold.

4. Know the dealer's weighing scale: Gold is usually measured in Troy ounce but some dealer may measure gold in pennyweight or grams. Insist your dealer to explain you the measuring units used and don't rely on his calculations.

5. Visit at least 2-3 dealers: There are high chances that a single dealer may be trying to dupe by one means or others. Don't trust the dealer even if he is someone whom you know even for several years. Get the final quotes from several dealers and pick the one that offers you the maximum amount.

6. Check out some antique stores: In case you are trying to sell some old jewelry that your mother or probably even grandmother had worn, there are high chances that it might have an antique value. Check out with some antique store to assess the antique value of your cash. In case he is not ready to buy it, you can give it to him to put it up on sale and give him a percentage of the amount that it will fetch.

The trick to sell gold for cash at the best value asks you to indulge in a complete homework regarding the weight, value and price of the gold to be sold.

Friday, July 27, 2012

Would You Be Interested In Same Day Money Advance?

Doubt really is the major variable that rules human beings' life. Needs are boundless whilst sources are limited. It is really extremely hard if someone wants to satisfy all the desires with the scarce resources i.e. limited every month earnings and personal savings. In case you want immediate cash right now but, you get the same after some days, there would be simply no value of that money which could not serve you when you needed the same urgently. This uncertainty factor definitely has led to the roll-out of "Same day cash loan" by the United Kingdom loan providers.

Same day cash advance loan aims to satisfy the immediate cash requirements of the UK residents. Value of a product is measured by the time. In case you desire something right this moment and you obtain the same immediately, it would be valuable. Same actually is the instance with the money as well. Everybody needs financial help at some time or other. And if someone obtains it punctually and without any hassles all things appears to be in position and in order. It could work as a crucial resource in alleviating financial stress by providing you the monetary help.

Internet certainly has made it easy for the loan seekers to become financed easily and as well fast. It indeed has led vastly to the development of the financial markets. In the past, borrowers simply had to hinge on old fashioned loan providers like banking institutions. It required the extended loan application procedure and by the time you receive the money you really feel that you do not require it any further. Application for asking for money, even a pretty small amount would eat up several weeks. Debtors had been at the whim of the traditional loan companies. Though there is definitely one another option the money searchers used to depend on, namely buddies and family members. Nevertheless, on occasions it gets to be awkward that you are not able to fulfill cash demands on your own and must hinge on buddies.

Online loan companies now have come to the relief of virtually all those who have got worn out of the tension associated with borrowing funds from conventional loan providers or buddies. They now have offered the UK people independence from just about all the hassles which had existed while seeking loan from traditional loan companies. Online loan providers furnish the simplicity of trying to get the loan, any person can easily obtain the loan he or she needs instantly.

Online websites furnish 24 x 365 service, a borrower can submit an application for getting a same day money advance at any moment. You can sign up for the loan from your home or workplace by utilizing internet, therefore you don't have to move from one loan company to one another in order to satisfy cash requirements.

Small day cash advance loan can be had for small amount that is typically less than 00. The sum you desire to receive will be transferred straight into your personal bank account. The rate of interest on the same day cash advance loan is usually much high and varies from 9% - 20% annual percentage rate. The annual percentage rate is merely one another name for interest rate. The rate of interest is normally higher for the reason that the loan provider holds the potential risk of lending. Instant cash advance loan is usually offered for a short loan period which ranges from 15 to 30 days. The repayment of the loan can be in the form of the automatic debit of the loan amount from the borrower's checking account on the payment date or perhaps a cheque drawn in favor of the lender.

The perfect thing with regard to same day payday loan is the fact that it doesn't involve credit check. Hence one needn't get worried with respect to the credit rating, any individual either having a poor credit or perfect credit score will be able to secure the loan.

A client has to satisfy a few basic obligations to become eligible for the loan. The client should be have a job; she or he has to submit previous 90 days income statement and ought to have a personal checking account. Loan providers concentrate on the job standing of the client for making certain that there is bare minimum potential risk associated with lending money to the client.

A client has to fill out a small on-line form to gain access to the instant cash within 24 hours. The whole procedure of submitting an application for thepayday cash advance is rather simple and fast. Submit the application form and the loan companies would get back to you within few hours with the loan option which suits your necessities to the very best.

Financial turmoil can easily transpire to anyone. What one needs at that time will be immediate cash. Same day money advance can work as excellent solution to your urgent cash wants. One can now access the cash she / he requires with the same day cash advance loan and that also within a day but, ensure to use this loan amount cautiously because it carries a significant rate of interest.

Wednesday, July 25, 2012

Refinancing A Bad Credit Home Loan Saves Money Monthly

The money you are paying today on your bad credit home loan reflects your credit scores at the time you took the loan. Your credit rating situation could have changed dramatically since then. Even if it has not improved much, you could still stand to save money. So, you may still want to consider refinancing your bad credit home loan.

Get Monthly Relief with Bad Credit Home Loan Refinancing

Lower interest rates and lower monthly payments are the benefits of a bad credit home loan refinancing. Well, your current credit scores will have an influence on how much you save. Seek a lender who is expert in dealing with those who have lower than usual credit scores if you know that yours are such. Of course, while any improvement in your scores could mean a reduction in your loan costs, you should be sure that your present scores will allow that to happen.

Refinancing Should Result in Lower Payments, Lower Interest

A bad credit home loan refinancing project should result in lower interest rates as well as lower monthly payments. If your credit rating has not improved since you first signed your bad credit home loan, you do have an alternative. You could seek out refinancing that would extend the maturity of your mortgage and this would result in lower payments and allow more time to bring up your credit scores.

Credit Reports Often Do Not Reflect Reality

Before you go shopping for a lender who will refinance your loan, you should probably pull your own credit scores just so you have a good view of how potential lenders will see you financially. Your scores may be better than you think. You could use your improvement as leverage when you are negotiating interest rates. Another good reason to pull your reports is to check for inaccuracies.

You Probably Need to Go Shopping for the Best Lender

Perhaps, for whatever reason, you would rather not use your present bad credit home loan lender. Then you need to start shopping . Watch how many applications you have out there. The more times you apply for a loan, the more prospective lenders might see you as desperate and therefore a poor risk. Do not have more than one application in progress at a time. If you use a broker, you can get a number of bids by having your credit pulled only once. And it is a good idea to get four or five bids before you decide on a lender.

Know Your Lender Before You Sign Anything

Perhaps you have been with a certain bank or credit union for a long period of time. It is even better if you have retirement or investing accounts with them. That particular lender may be the best for the refinancing of your bad credit home loan. If you were a good performer on your present loan, they may be even more eager to lend to you than lenders. They may even offer you better than average rates and terms. If you do seek another lender, check their reputation with the Better Business Bureau, online personal finance forums or even friends, family and colleagues.

Flinch on the First Quote

Your credit score is not the only consideration the lender will have when offering you a bid. Your lender may ask for specifics regarding your employment. The lender may be more attuned to learning more about your job stability and your prospects for a raise. Never jump at the first lender who offers you a bid. Get others. And never jump at the first quote offered by any lender. Flinch when they bid. Say something like: Well, I'm not sure. I will need to think about that. This often results in a better offer. Flinching could be a powerful negotiating tool.

Tuesday, July 24, 2012

Risk Management: The Three Lines Of Defence

The three lines of defence principle is a long and well established concept that has been deployed in a variety of industries and situations.
In the insurance industry the three lines have consisted of the following:
The business the day-day running of the operation and the front-office
Risk and compliance the continual monitoring of the business
Audit the periodic checking of risk and compliance.

In part this approach is the solid foundation upon which firms can protect themselves against a range of potential risks, both internal and external, and to a degree it is an approach that is forced upon them through regulators' insistence on external audits as well as on an embedded risk management capability.

As reliable and well proven as the three lines of defence concept is throughout the insurance industry, it is in need of an update. In today's market there is a far greater number of risks and regulations and an ever-increasing level of complexity in business. Simply being sure that every major risk is in hand is a difficult task.

It is not so much the concept of the three lines of defence that needs to be overhauled but the way that these three lines communicate with each other and the relationship between them.

The complexity of today's market affects the risk and compliance function more than any other. In the majority of organisations management of the various different forms of risk operational risk, compliance risk, legal risk, IT risk are all carried out by different teams, creating a pattern of risk silos. This situation leads to a number of negative consequences. The first of these concerns efficiency.

These risk silos each gather their information by asking the business to provide various information relating to their daily tasks and any potential risks associated with them. Because of the silo structure, the business will find itself being asked for this same information on a multiple of occasions. This not only leads to inefficiency due to the duplication of effort, it can also lead to frustration from front office staff and subsequent disinclination to engage with risk management.

Such is this level of frustration that, according to one insurer which recently appointed a new chief executive, when the new head asked his staff what single change would make their life easier he was told to do something about the endless questionnaires and check sheets that they have to fill out to satisfy risk managers and compliance officers.

While frustration among staff is never a positive development, any company's risk management programme depends on getting buy-in from the staff so anything that threatens the success of this programme has to be addressed.

Perhaps more importantly there is also an inconsistency due to the different ways this same information will be interpreted by different risk teams. This disparate relationship between risk teams can also lead to a lack of recognition over potential correlations between various risks. For example, the recent sub-prime crisis that has affected so many banks may have been avoided if there had been more co-ordination and communication between the credit department and those selling mortgages to people with bad credit.
Similarly the 6.4 billion loss at Socit Gnrale was the result of several risk oversights, combining a lack of controls on individual traders as well as a failure to implement various checks on the trading systems themselves. There was also a negligence of market risk factors with risk management not highlighting a number of transactions having no clear purpose or economic value.

Major risk events rarely result from one risk and most commonly involve a number of potential exposures all combining. Consequently insurers need to be more joined up in their risk management and more consistent in the way that risk is reported across the organisation.

For those individuals charged with the responsibility for enterprise-wide risk management, their task is made harder by the inconsistent formats that they receive their risk information. For example, interest rate risk may be reported as a single Value at Risk number, whereas regulatory compliance or operational risk may be expressed through a traffic light format. How is a chief risk officer, or indeed a CEO, expected to rank such disparately expressed exposures?

What organisations are now looking to do is to gather all of the various risk information in a consistent format for their chief risk officers to work from. So having a common framework for this process is crucial.
There are various initiatives in the insurance industry ICAS, Solvency II and, often, the Basel Accord all of which have contributed to the growth of risk and compliance teams. The chief requirement for all of these regulations is capital adequacy, meaning that insurers have to set aside a calculated reserve of capital to cover a number of potential risk scenarios.

However, regulators will say that they are not simply looking for firms to fulfil their most basic regulatory requirement and to set aside a defined sum of money to cover a list of risk scenarios. Instead they are looking for firms to concentrate on the methodology used to arrive at these numbers, and on ensuring that the risk management process is thoroughly embedded throughout the organisation and scenario analyses bring together risk information from all of the various risk silos.

Scenario analysis is one approach that firms are using to meet their regulatory requirements but effective scenario analysis is very much based on the ability to collate and correlate risk information from all over the organisation.

For the internal audit teams, their primary concern is to be more effective and to ensure that they are not simply repeating the work of the risk and compliance teams and are adding value by rigorously testing this work. Such a task requires access to this information and, ideally, to be using the same common framework as the risk and compliance teams so that information can be seen in the correct context.

We are seeing much greater independence and objectivity in the internal audit role, says Simon Rogerson, head of internal audit at Zurich Financial. In an increasing number of organisations the internal audit function is no longer confined to existing within a corner the finance department and has more direct communication with senior management.

The Role of Technology:
According to Rogerson, the use of technology to facilitate the evolution of the three lines of defence is a new development in the insurance industry. Because it has been hard to clarify the different lines of defence and their relationships, it has been difficult to build a business case for a new system and to build the necessary workflow around these different roles.
The situation is exacerbated by the presence of separate legacy systems in the business, risk and audit departments. Everyone is aware of the weaknesses in their own systems but this knowledge does not always translate across the three lines of defence. This leaves most insurers with two choices. The first is to go back to the start and design a new all-encompassing system from scratch. The second choice is a system that supports common processes and reporting while allowing each function to continue using specialist solutions that suit their own needs.

I think the successful firms will be those that recognise there are different functionalities in these different spaces but they are all able to communicate with each other in a common language and through common systems, says Rogerson. Observations can be shared and specific risk issues can then be discussed through an email exchange and summary reports can be automatically sent out to managers.

For internal auditors a lot of their work is manually-based, says Rogerson. But technology would enable us to do these things quicker and more accurately. The system would also enable us to make certain risk issues generic so that where a risk is identified in one office or department we can then alert all the relevant risk managers in other departments and offices to see if this risk has been recognised and if there are processes in place to manage this risk. By automating this identification of risk, it enables insurers to take a smarter, more efficient and more global approach to the internal audit function.

For risk managers it is about simplifying the process. They have a limited set of resources and want to make as much use of them as possible. In order to achieve this, it often means involving the business in carrying out much of the risk process controlled risk assessments through recording any losses or the breaches where these losses occur. By conscripting the services of their business colleagues, risk managers are able to concentrate on the value-added side of their work and their role.

There are also some wider benefits to the organisation from such a system and the principle behind it. The more that front-office staff is exposed to the mechanics of the risk management process, rather than being repeatedly petitioned for the same information from multiple parties, the more they are aware of its importance and their role in it.

Decades ago, total quality management was a fashionable concept in many organisations. The frailty of this concept was that in having a dedicated management team in this area, the rest of the business could assume that quality was no longer their problem but someone else's. This same misconception could be applied to risk and compliance, unless the business is kept well-informed of the risk management process and their own role within this process. Therefore it is important to make everyone realise that risk is their problem too.

Monday, July 23, 2012

Jump Start Approvals Offers Used Car Loans With A Twist

Usually when looking for a car it is typical that you spend hours and hours walking around car lots getting hassled by salesmen. If you actually do find a car then you have to worry about getting financed. If not, you just wasted many hours of your life looking for a car that you were never going to get.

Jump Start Approvals does things a little differently where you can call them before you go out looking for a car and they can let you know what type of Utah used car loans you're approved for before you go shopping for the car.

They work closely with a qualified list of dealerships that offer Utah used cars and ensure that they stick to a strict list of criteria. All participating dealerships must:
Offer a free, extended warranty
Show a price list of all inventory
Offer a limited exchange policy
Show a vehicle history report to guarantee it is free of a salvage title

This is a great way to do business, especially in today's economy. Even people with good credit are getting turned down for Utah auto loans. Credit is hard to come by and it's important that you know where you stand before searching for a vehicle.

Jump Start Approvals is especially beneficial for those with less than perfect credit. You want to know where you stand and how much you're going to pay for a car before you waste a bunch of time looking. Even if some dealers can approve you it's probably going to be far more than you can afford due to high finance charges.

Saturday, July 21, 2012

24 Techniques For Closing The Sale By Brian Tracy

Here is a fact of life: you cannot succeed with sales unless you are able to close the deal. If you are not closing then you are not selling. All you are doing is investing a lot of time in a process that does not come to the desired conclusion. That means you will not be making very much money and what salesman does not want to make a lot of money?

So, how can you boost your odds of success with sales? Checking out 24 Techniques for Closing the Sale by Brian Tracy would be the right direction to go in because it is a truly outstanding work that effectively covers its subject matter in a reliably effective manner.

24 Techniques for Closing the Sale by Brian Tracy is a brilliant audio CD series that covers all you need to know to learn how to make prospective customers agree in the affirmative to make a buy. With the advice presented on this CD, there is no reason why you should not pick up on the skills needed to succeed with your sales ventures.

This is a very well produced compact disk series (available on MP3 as well) that presents its subject matter in a highly clear and detailed manner. No matter what your limitations on closing might be, you can take solace in the fact this series will give you insight into how to improve.

That means you can boost you success and income potential to the highest degree possible. Once again, this is the outcome all sales professionals would be interested in attaining which is why this particular series comes with the highest of all recommendations.

There are many different topics covered in this series. Don't be of the impression that it is a dry rundown of 24 tips and nothing more. Rather, 24 Techniques for Closing the Sale by Brian Tracy delves into its subject in depth. You will learn quite a few insights that will boost your abilities tremendously.

The series does help you identify those that might be more akin to making a purchase. By focusing on those customers that may prove better buying candidates, you will enhance your potential to close the sale. Also, Brian Tracy provides many great insights into how to instill enthusiasm in your prospect. This is definitely one of the most helpful aspects of the book. When you are able to draw enthusiasm from a prospect, you greatly increase the potential to make a sale. How could you not? The prospect has become highly interested in what you have to offer.

When you run across a prospect that seems a little difficult, there is no longer any reason to worry. 24 Techniques for Closing the Sale by Brian Tracy presents solid tips for dealing with the difficult prospect and turning his decision in your direction. Some might find this the best and most helpful component of the series of all.

Yes, 24 Techniques for Closing the Sale by Brian Tracy truly is a must own for those that wish to succeed in sales. Nothing else out there covers its subject matter in an equally effective way.

Friday, July 20, 2012

Benefits Of Real Estate Teams

In recent years, the real estate industry has changed dramatically.

With the advent of new technology and more home sellers and buyers using the internet before selecting a real estate agent those who have not kept up with the times and technology are destined to fall behind the leaders.

Take for example the concept of real estate teams. Most industries have utilized team concepts to their advantage for years: corporate departments, sports, small businesses all utilize the team concept for growth and profitability.

The real estate industry however has historically placed real estate agents as sole entities, training them to be stand alone islands left to their own devices and abilities.

However, in recent years this 'old school' training has slowly been side stepped by some of the most profitable and top producing real estate agents in the country.

By realizing and implementing team concepts into a real estate agents business, these agents can provide substantial benefits to their customers' traditional methods lacked.

Let's examine a few of the benefits of being on a real estate team...

Marketing and advertising

Teams utilize shared expenses in marketing and advertising to a much greater degree due in part to having additional resources by way of more agents as well as an increased visibility in the communities.

Stand alone agents must pay for all marketing and advertising costs themselves with little assistance from the brokerage. It is up to the individual agent to market and advertise properties for sale using their own limited funding.

With teams, agents do not have to fund the advertising costs alone. Having more agents available to share the costs greatly decreases an agents cost outlays and increases their profitability.

In addition, sellers can be assured that their property will reach more potential buyers. More potential buyers in turn may mean quicker sales and often times better realized profit.

Let's not forget about our buying customers who also benefit greatly from the real estate team concept. Regular team meetings to discuss customers' wants and needs may often present opportunities missed by the solo agent.

More minds working on a task tends to produce better results!

Experience and training

Teams benefit not only from 1 agents experience, but the combined experience of the entire team.

This aids the individual agents by having insight and experience to draw on for help in problem solving and working with difficult property issues as they arise.

Having a larger 'pool' of experience to draw on provides agents with less experience increased training opportunities in a much quicker time frame.


The real estate business experiences business peaks and valley's through out the year depending on locality.

During the busiest times of the year some agents may not be able to provide the support and services which they normally provide due to the number of customers they're working with at one time.

On a team, this is never the situation as there is always someone on the team that can lend a hand, provide support, show customers properties, write contacts etc.

Fun and Camaraderie

Teams tend to be much more fun!

Think about this a moment: If an agent is working alone, they may be able to visit and entertain with a few other agents in their office when not busy.

However, with a team you get the closeness of friendship and support that only a group of like minded professionals enjoy.

Team events, dinner parties, team meetings etc. all lend themselves to additional fun for the agents providing the ability to relax and share good times with others.

While many agents continue to employ the 'old school' traditional techniques in running their businesses, the more successful agents employ the team concept to provide increased customer services, reduced costs to team agents as well as increased profits to sellers and agents alike.

Growing a productive team is a key ingredient in running a successful real estate business in today's market.

Wednesday, July 18, 2012

Benefits of Using a Letting Agent

Many landlords when renting a property will look to letting agents to help management the process. Many others will do it themselves, and this leaves newcomers to the business thinking why would should they let a letting agent do the work and take a cut of the money. It surely can't be that difficult surely?

If you are new to the letting property, there is a great benefit from using a letting agent as they have lots of knowledge and will be able to advise you accordingly.

I like to think letting agents clear up four key areas for landlords renting property:

1. Preparing the property for being let.

2. Getting tenants.

3. Managing the client and the property.

4. Smoothing over the end of a contract.

If you choose the right agent, you should have a hassle free relationship (with the tenant and the agent themselves) and be able to sleep soundly at night knowing everything is taken of. Oh, and let's not forget that you'll see money in the bank.


This is a step that many new landlords tend to overlook when they first think about renting out a property. Preparation is the next step you take before you start earning money, so it is best that you move swiftly through this phase and do not cut corners so you can let the property as soon as possible.

A letting agent will be able to advise you of a variety of conditions in the local area that will affect how likely your property will be on the market for. They will be able to help you prepare your property so it is more appealing.

As an example: Do they need a furnished flat in the area? If not, would you be better ditching the old furniture you don't want anyway and then let it unfurnished? Or, would buying a cheap cooker help get a tenant quicker? If so, would you prefer an empty property for another month or invest a small amount into the cooker?

Other advice a letting agent can give is your legal obligations as a landlord. Does the property meet current fire regulations and have you had the gas boiler and fire serviced?

Getting tenants

A letting agent's business is exactly that - getting tenants. It is in their interest to let your property as soon as possible so they earn money too. They will aim to let to a tenant with a good background, carrying out any necessary credit checks and will often let the property for the highest amount that they can achieve. It is also worth noting they can also handle the deposit, placing it in a secure deposit scheme which is a legal requirement in the UK.

Managing tenancy and property

This is the part that often gets many people into hot bother during their time as a landlord for a number of reasons. Thankfully a letting agent will deal with this stress for you if anything does not go as planned.

They are the ones who handle any problems a tenant may have and only feedback to you as you are needed to be involved. They are the frontline for helping when there is financial issue or the unlikely event that there is a troublesome tenant. If you are not local, you can handle more control over to the agent so you are only involved in emergencies and they can also help with the maintenance of the property.

End of contract

The end of many contracts will often go smoothly, but there is still the inventory to be checked and having to give the deposit back and all this is happening whilst you are frantically looking for your next tenant so the property is not empty for a lengthy period of time!

As you can tell from this brief overview of these four areas, there is a lot to consider and do when you are a landlord. A property management service from a letting agent may just be what you are looking for to help ease your workload. Even if you are veteran in this business, you could be spending the time doing much more enjoyable activities.

Monday, July 16, 2012

At Last, You Can Earn 15.83% Average Annual Rate of Return Without "Wall Street" Risks

Earlier this year I wrote an article with a similar title.

One reader asked: "How can this be possible, because it sounds too good to be true."

Both the "'too-good-to-be-true" quote and the "How" question deserve answers. So, here goes.

Let's start by explaining the TIP investment.Chances are you have never heard of this investment. What is the investment? Life Settlements (LS) --- Also called Transferable Insurance Policy or TIP(s). The best way to understand how a TIP (TIPs is plural) works is by an example, which follows:

EXAMPLE: Joe, age 67, owns a life insurance policy with a 0,000 death benefit and a ,000 cash surrender value (CSV). Joe would like to stop paying premiums. Of course, he can cancel the policy and get the ,000 CSV from the insurance company. An investor (really a group of investors) buys Joe's policy for 0,000, paid in cash to Joe immediately. The investors now own the policy. The group of investors will receive the 0,000 death benefit when Joe dies. This transaction (Joe selling the policy and the investors buying it) is called LS. A TIP is a fractional interest in a LS. Let's say Rick is one of the investors. Say Rick invests 0,000. He will wind up with a diversified portfolio of TIPs (about 5 to 10). Each one of the TIPs will be a fractional interest in Joe's 0,000 policy, say 3 percent or ,000. This TIP (Joe's) will pay Rick exactly ,000 when Joe dies.

A public company (trades on the NASDAQ) invented TIPs. Twice a year the company publishes its average rate of return for the years (now 16) it has been in business.

A common question is, "What are the tax consequences of a TIP?" All taxes are deferred until the TIP is paid. In the above example, Rick would not have any taxable income. A TIP is always ordinary income. It is not payable until he receives the ,000. If Rick had invested his 0,000 from a qualified plan (401(k), profit-sharing, IRA or the like) the income would stay in the plan (like all other investments) and all income taxes deferred until funds are distributed to Rick.

First, a little background about the life insurance industry. There are basically two types of life insurance: permanent [has cash surrender value (CSV)] and term (no CSV). According to Milliman and Robertson, an international actuarial firm, 89.5% of Universal Life policies never result in a death claim. The policies are either surrendered, or worse, allowed to lapse. Note: Universal life is the most common type of permanent life insurance sold in the United States.

And what about term insurances? These facts are, although true, almost unbelievable: According to Tax Planning With Life Insurance, authored by Zaristky and Leimberger, Ten years after issue, there is only a 15 percent probability that at term policy will be in force at the insured's death. There is less than a 2 percent probability that term insurance bought twenty years before an insured's death will be in force. So, on average 93% of all life insurance policies sold never pay even in death benefits.

Amazing! Think about it, life insurance companies deposit premium dollars year after year and about 93% of the time keep all of the dollars, while the insured or his heirs get nothing in return. One exception, the policy owner terminates a policy by getting back the CSV. Long story short, LSs to the rescue. However, before the invention of TIPs, LSs were the sole profit playground of institutional investors: large companies with deep-cash pockets, like giant insurance companies (such as AIG and CNA).

Even Warren Buffet's Berkshire Hathaway has been in the LS game for about 15 years and recently announced a 0 million loan to a new wholly owned subsidiary to invest in LSs. TIPs are the bridge that allows the little guy to get into the LS profit game.

Go back to Joe's LS/TIP example. If Joe had cashed in his policy for the ,000 CSV, the life insurance company would have been off of a 0,000 death benefit hook. It's easy to see why Joe is delighted with his 0,000 LS. Of course, the insurance company is anything but delighted and would like to keep LSs secret.

The pure economic fact is that the investor stands tall in the profit shoes of the insurance company. The investor stands to profit with a gross of 0,000 (0,000 death benefit less an acquisition cost of 0,000), reduced by future premiums (until Joe passes on). The LS side of the transaction with Joe is handled by the NASDAQ company, which then arranges for little-guy investors to purchase TIPs. The potential profit percentage calculated on each TIP investment is based on the projected life expectancy of each LS policy seller at about 16% plus.

Generally, the NASDAQ company only completes LSs where the insured's life expectancy is actuarially five years or less. The result of how a TIP transaction is structured allows the TIP investor to earn an average annual historic rate of return of 15.83%.

No worrying about "Wall Street" volatility or whether "The Market" goes up, sideways, or down.

Now you know how it's done.

You also know because of the strange economics (no death benefit are paid about 93% of the time) of the insurance industry and the ingenious way TIPs are structured that a 15.83% average annual rate of return is indeed, not too good to be true.

Sunday, July 15, 2012

Important Reasons Hotels Ought To Hire Outside Collection Agencies

Hotels give lodging accommodations on a short term basis. They typically provide further amenities, like meals, swimming pools, and alternative guest services. Some larger hotels may feature conference rooms and other facilities for corporate travelers. As such, they're utilized by traveling families, as well as corporate travelers.

Whereas hotels supply nice conveniences and much-needed services, they can also deal with money flow challenges from unpaid customers. These delinquent, overdue accounts frequently result from:

-Long distance charges- the hotel guest leaves behind unpaid telephone charges incurred during their stay.

-NSF checks
-Credit card chargebacks- This will happen when a guest's line of credit which is established upon check in is exceeded during their stay. Without the guest's specific approval, it may be tough for the hotel to apply the further charges.

-Travel Agency Discounts- Agencies may have booked the hotel property but only partially paid the bill.

-Late Checkouts- Guests who have paid in advance for their hotel can incur extra charges once they stay beyond their predetermined checkout time.

-Function Accounts- An events planner may pay an initial deposit to the hotel, but fail to pay the balance when the bill is due.

Alternative debt collection issues are hotel skips plus open billing, where open company accounts with the hotel aren't paid when the bills are sent. Any hotel property wanting to stay on top of their accounts receivable and minimize outstanding unpaid bills must implement sound debt collection strategies.

In-house Debt Collection Strategies
One of the first things any hotel property can do to improve on their internal debt collections is asking for more info on hotel registration cards. For example, asking for the guest's home telephone number is very important. In the past, several properties haven't asked for this. Without this, successful collections can be quite difficult.

Whereas a few guests may not want to offer that info, a possible answer could be asking for emergency contact information. This will result in more reliable phone numbers for guests. And it will prove very helpful should these accounts go delinquent plus you need to contact the guest.

Early Intervention Is Very Significant
Whether the hotel property is singularly-owned or handled by a property management firm, when it comes to past due accounts early intervention is vital to successful debt recovery, and a very significant debt collection strategy.

When a bill goes unpaid, a person assigned to handle late accounts has to contact the debtor to rectify the matter. In fact, when it involves NSF checks, they must be handled immediately. Don't accept another check, but ask for a different form of payment, such as a credit or debit card.

If you have got an ongoing open account with a corporate client, and/or you're owed by an events planner, you might offer payment arrangements to settle the past due account(s). At any rate, consistent contact via reminder notices and the phone is essential at this stage. The most successful recoveries occur within the 1st 60 to ninety days of a overdue bill.

If your efforts haven't proven successful in obtaining payment in full or ongoing payment arrangements, its time to think about outsourcing to a debt collection agency. Statistics attest that if an account isn't settled inside 90 days, internal efforts aren't likely to ever recover the monies. Usually, small balances are written off as uncollectible. Collection agencies can help tremendously if they're brought in early enough.

Friday, July 13, 2012

Do You Sell or Hold After Your Stock Has Dropped?

Do you sell or hold a stock that has had a big drop? Is it too late to sell? Whether your stock has had a big loss or small loss should not make a difference. Judging a loss by its magnitude is an arbitrary approach to risk control. For example, it would be a more rational way to control risk to base decisions on abnormal stock behavior, an inability of a moving average, trendline, or other line of support to keep a stock from falling below that support, or on a change in trend. Sometimes a switch to another stock makes much more sense than to continue to hold a declining stock.

Let's say you paid 0 per share for 100 shares of a stock that subsequently falls to . Traders would never permit a big loss like that, but people who have not learned how to control risk might. To simplify these comments, assume that you have only one stock. Thus, your portfolio has dropped in value from ,000 to ,000. If this stock is still declining, to continue to hold would be to invite further loss. You have a choice. You can hold the stock, determined not to sell unless you have a profit, or you can switch to another stock that is already moving up in value. People who keep holding a declining stock after a 20% drop are apparently overlooking the fact that it is possible for a stock to decline to less than a dollar and remain there for several years before it recovers, if it ever does recover (even great companies sometimes go out of business).

Some people say, "I'll just wait until the stock gets back to where I bought it." However, the stock does not "know" what you paid, nor does it care. For practical purposes, it only "knows" where supports and resistances are (regions of demand and supply in the market for that stock). Your personal gain or loss is of absolutely no consequence to the stock. Though you may suffer some loss by selling a declining stock that is below your purchase price, you actually improve your portfolio by moving to a stock that is currently in a rising trend rather than declining. Even moving out of the stock and into cash would be an improvement, because the cash is not losing value.

We do not want to sell stocks in reaction to normal day-to-day fluctuations. However, if a stock declines with enough energy that it breaks through its underlying support, or if the stock's trend changes direction, continuing to hold the stock can be disastrous. A person who lets his stocks fall more than 20% really does not have a risk-control system. In fact, he may not even have a sell strategy. That is asking for financial pain and suffering. Many investors use moving averages to get a clear picture of a stock's trend. It may be okay under some circumstances to ignore changes in the very short-term trend of a stock, but ignoring a change in the long-term trend is foolish. If you are a beginner with no sell discipline at all, there is a simple strategy that can save your financial neck when you are unsure of how to respond intelligently to market turmoil.

For long-term investors, we suggest averaging the price of a stock for about 30 weeks (150 market days) and plotting this average on a daily basis. When this trend starts to turn down, it is a warning that the average performance of the stock for the most recent 150 days (ending today) is evidencing significant deterioration relative to the 150-day performance of the stock. This means that the deterioration in performance being witnessed goes beyond the mere day-to-day fluctuations experienced by every stock. Why is that? When we average price activity over 30 weeks or 150 days, the normal day-to-day fluctuations of the stock (which wave theorists refer to as "noise" because they obscure the more significant underlying waveforms) are reduced to insignificance (they are effectively factored out). This enables a person to see more clearly the underlying pattern of a stock's price movement.

There is another reason for using the 150-day moving average. One of our stockdisciplines.com traders has tested all single moving averages from the 3-day moving average to the 200-day moving average as the basis for a trading discipline. Tests were performed covering many years and thousands of stocks. Results for all stocks were combined for each moving average system. While the 200-day moving average does offer more support for a declining stock, trading with the 150-day moving average was the most profitable. It simply gave a greater amount of total profit (accumulating profits and losses from all stocks over many years) when we based buy and sell signals on this moving average. There are, of course, variations on other moving averages, combinations of moving averages and completely different systems that produce better results. However, all things being equal and considering only single moving averages (simple and exponential), the 150-day simple moving average was the most profitable in our tests.

What is the strategy? Buy when the stock is closing above the 150-day moving average and the 150-day moving average first turns up. Sell when the stock is closing below the 150-day moving average and the 150-day moving average first turns down. Instead of using the closing price relative to the 150-day moving average, you could use a 10-day moving average in order to reduce the number of false signals. Thus, you could buy when the 10-day moving average crosses above the 150-day moving average and the 150-day moving average begins to rise. You could sell when the 10-day moving average crosses below the 150-day average and the 150-day moving average begins to decline.

Market strategists know that it is wise to avoid investing in a stock against its prevailing trend because trends tend to persist. When the trend turns down on a stock, it may not turn up again until after the stock falls below . Why wait to see how far it will drop? Why not simply improve the position while you still have most of your money? Selling at a 20% loss and immediately moving on to a better situation may involve a little pain, but it is preferable to holding on to a declining stock that eventually loses 50% (and then to continue holding on to it for an additional two years while it recovers). Using the former approach, we could break even in six months or less. Using the latter approach, we might break even in two or three years (assuming that the stock indeed recovers). Therefore, we are suggesting for those who are not traders and who have no defined sell strategy, that they consider using a sell strategy based on the 150-day moving average and to use 20% as the maximum loss. If the system based on the 150-day moving average gets you out before a decline of 20% occurs, so much the better. If it does not get you out before the decline reaches 20%, then perhaps it is time to pull the plug anyway.

The 20% maximum loss is based on the assumption that the investor has at least 10 positions in his portfolio. That way, a 20% drop in any individual stock will cost the portfolio no more than 2%. Of course, you may decide to modify both the moving average system and the maximum allowable decline so that they better suit your own investment objectives and tolerance for risk. However, our own position is that risk is reduced when losses are kept small, because it is much easier to recover from a small loss than from a large one.

By using a strategy like the one outlined here, you have an answer to the original question. You will have a sell discipline that will get you out of a position most of the time before the loss becomes too great. However, if it does not, you will have a backup sell discipline that takes over. The market is sometimes quite confusing. The strategy outlined here will help you do what is necessary under the prevailing conditions. You may learn after the fact that the action you took was the wrong one. However, no system exists that is always right. Investors have to learn to accept the fact that wrong decisions are made by even the best traders. There is, however, one thing the best traders agree on and have in common. They all have a well-defined discipline, and they do not second-guess it.

Copyright 2012, by Stock Disciplines, LLC. a.k.a. StockDisciplines.com

Wednesday, July 11, 2012

All Different Kinds of Injuries Can Be Suffered to the Human Body

The most difficult and interesting medical malpractice case I have ever encountered was the case of a beautiful English woman who made a complaint to me that her plastic surgeon placed her implants very unevenly. I entered colored photographs of the woman's breasts into evidence, but I didn't think they showed the damage as well as they needed to show it. Therefore, I made a request to the sitting trial judge for permission to have the jury see my plaintiff naked in front of them. He conceded and allowed me to do so in his chambers. My plaintiff disrobed and stood before all the members of the jury in her glory and horror.

However difficult a surgery might be for a plastic surgeon, there's no justification for the horrendous mess this surgeon made when he hacked and slashed at my client's chest. In the many tort cases I've tried, I've often had to exhibit injuries in this fashion in order to show how terribly wrong these surgeries can turn out. Having a jury view my client's breasts during this trial was probably the most sensational display that I've ever had to experience.

The legal definition of 'tort' is a far cry different than a 'tart'. It actually comes from an old French word and translates more or less into twist or turn. I guess that fits well for victims of modern torts who end up being bent, bowed, broken or twisted in one way or another. The meaning of tort in a legal setting means an injury to the mind or body. Medical and legal malpractice cases are based upon personal harms done by those types of professionals. If you have some type of legal issue because of a real estate deal, a will, a contract, or even a crime, then you can see yourself in court.

Unfortunately though, there could be a time when you end up in court with a tort lawyer because you were injured by someone's fault. It may surprise you to find out you are able to hire one of the top tort lawyers available for the same price you pay for someone with the least experience. That fee is what is known as a contingency fee, which is actually illegal in both England and Canada. The reason it works this way is because the lawyer you acquire can charge you up to 40 percent of your awarded compensation, should you win your case. But if you don't win the case, you don't pay anything.

In many areas, the tort lawyer will be able to advance costs to cover what he needs and then recover this back from the settlement. There are so many different torts that occur it's impossible to name them all. Every kind of disaster known to man and every kind of accident known to man all have their own tort. Negligence is usually the main cause of most tort cases involving hospitals and doctors, no matter how unlikely they may appear at first glance.

So, when you walk into your doctor's office today, don't act surprised if you have to sign a statement releasing him from any kind of blame. These papers typically use a lot of legal words to say that if you get hurt, you will try to arbitrate your case rather than hauling him into court. While most courts consider these documents to be legally unsound, they have also ruled both ways. More likely than not, they are illegal if the arbitration agreement prevents you from going to court.

One of your key rights in this country is the right to a jury. So regardless of which state you're in, you are entitled to that. It was the Supreme Court that gave criminal law the boost it needed under a chief justice who held office there from 1953 to 1969. A number of well-worn rights and legal constructs were revived and given new respect, lending renewed relevance to criminal law practitioners. There are many lawyers that influence all levels of politics in this country, and there are many good forensically inclined ones that have entered the political forums via the U.S. Senate and Congress where they are able to use their knowledge of the law to write better legislation and determine the constitutionality of it.

Tuesday, July 10, 2012

Bad Credit Loans: Remarkable Finances Despite Having Bad Credit

The recent positive vibes seen in the economy has brought in some fresh changes in the way a loan market behaves. In fact nowadays, the policies are more rationale and are designed specifically to cater to the needs of all the individuals. This is same with bad credit borrowers, who can now go for loans without facing too many hostilities. If you are too having a flawed credit history and looking for finances to meet some of your needs, consider availing bad credit loans.

As a matter of fact, these loans have been laced with feasible terms and conditions. Any individuals with an imperfect credit record or indicted with problems related to CCJs, IVA, arrears, defaults, late payments etc can avail these loans. The amount derived through these loans can be utilized to serve varied number of purposes such as debt consolidation, financing education, paying medical bills, home renovation, meeting wedding expenses etc. Moreover, by ensuring timely repayment of the loans, you have a chance to improve the credit score.

Just like other conventional loans, these loans too are offered by categorizing it in to secured and unsecured form. Secured form of the loans is collateral based whereas unsecured form of the loans can be availed without pledging any collateral. Through the secured option of the loans, you can borrow a bigger amount at comparatively low interest rates for an elongated repayment period. On the contrary, unsecured form of the loans offers a limited amount for a short term period. Since the loans are unsecured in nature, the interest rates for the loans are high.

In the financial market, you will come across scores of lenders offering the loans. You have the option to borrow these loans from online lenders or from traditional lenders. Preferring the online mode is a viable option as it offers the loans with feasible terms and conditions. Further, comparing the rate quotes of various lenders, assist you to derive the loans as per your repaying capability.

Bad credit loans offer you comprehensive finances with feasible terms and conditions. Through these loans, you have a chance to redeem your financial freedom.

Sunday, July 8, 2012

Hero Honda Activa The New Indian Family Vehicle

Honda had launched the most remarkable two-wheeler named: Honda Activa Scooter which broke all the sales records and changed the flow of the growth chart in positive direction within a short span of time and still continuing. The unisex Honda Activa practically rules on the Indian roads which has modified the definition of scooters. This swift magic has got the great list of creative features and youthful looks. It emerges as the new passion among the young generation and currently covers the huge portion of the market. Now, this eventful scooter available in number of playful colors and within worthy price range of Rs.42, 000 to Rs.46, 000 only.

Activa scooter has mechanical outfitting of powerful 110cc engine which is enough capable to provide you 15% extra mileage that makes it winning horse of long race. It has net 18 liters storage capacity to offer you smooth and hassle-free drive. Activa Scooter holds the credit of first modern type scooter which finally came equipped with CLIC mechanism to enhance the efficiency and power of the scooter upto a mark level. It is sported with Single Cylinder Air Cooled OHC engine which can deliver a peak power of 8bhp @ 7500rpm and a peak torque of 0.9kgm @ 5500rpm. Along with this practical feature it has got the displacement of 102cc and cylinder bore of 50mm.

Honda Activa has got the beautiful and active dimension that brought revolutionary change in the actual design of the scooters. Its comfy and spongy seat offers you the joyful experience of drive. It has attractive and bright front headlight and strong tyres which have great sense of balance & stability. These tyres have puncture resistant tuff-up tub to provide you stress-free fun of confident drive. In conclusion, Honda Activa is the perfect two-wheeler piece to experience the great excitement and feel proud to drive your passion with unique style.www.naaptol.com opens the huge and rich market of fine products from different brands at very affordable price and discounts.

Advance Payday Loans - Tender Relief In Fiscal Crisis

You might get stuck in payment of various pending bills, settling of various debts in the mid of the month. This may be because of financial crisis. In such situations, you can opt for advance payday loans. They are finances which are granted to you before you receive your next month salary. They assist you to tender relief in fiscal crisis.

The major advantage of this credit facility is that they are given to you to meet your expenses which arise before your next payday. They are given to you without any credit checks. This means that they are given to you even if you have bad credit status. They are accessible through the online mode also. You can avail funds within 24 hours in this finance scheme.

You can easily make an application for advance payday loans through the online mode. This mode requires you to fill in the easy application form with the applicable details. The lenders then after getting your application will verify the details and will then approve it. The amount after that will be credited into your valid bank account.

The amount in this finance scheme can be used for any of your domestic or personal needs. These domestic or personal needs can be renovation of your house, repairing your car, paying off your various outstanding bills, for payment of tuition fees, college fees, and so on.

In order to avail this finance, one has to qualify the eligibility conditions. The conditions are that you must be a UK citizen, you must be above the age of 18, you must have a valid and active bank account and you must have a regular source of income. After you qualify these conditions, you can avail this finance effortlessly.

The lender will grant to you an amount extending from 80 to 1500. This amount has to be settled within 1 to 30 days. This amount has to be reimbursed within the given time duration. This amount can be used for any of your needs.

Saturday, July 7, 2012

The Advantages And Disadvantages Of Live Online Auctions

Benefits of Live Online AuctionsApart from the silent auction websites like eBay, there is another way to get the product you wish without having possessing to wait around for days. Live online live auctions are like the real factor except that they happen online.

How do they work?
Simple. You search for internet websites that offer you live auctions, register, wait around to be authorized by the auctioneer and voila! You are in. To get entire access on the site, you only need to have a dependable internet net connection that can manage live streaming yes, you need the greatest technology readily available for this.

Usually, live online live auctions are produced as a platform to obtain collectibles, like jewelry, antiques, books and digital gadgets, without worrying about most system engineered to steal your item from you at the last minute. This is because you can see and hear the events unfolding through the auction; thereby, you have far better control on the process.

The largest advantage of live online live auctions is that you have the flexibility to conduct a common look of an item. For example, you would like to buy original manuscripts for William Shakespeare's plays. You only need to go to any search engine and do a search for the merchandise. If it is readily available, you can certainly get a list of live auction websites that are scheduled to maintain an auction for such materials.

Moreover, anyone from anywhere in the world can bid. The auction will be scheduled in advance so also if you are in a various time zone, you will still be able to attend. This is in particular useful if you are businessman who wishes to have a number of ventures all over the world. For instance, if the auctioned estate is in Sweden and you live in Japan; you can still bid for it. At least you'll nonetheless have income moving in that element of the globe.

Considering that live computer auctions permit you to actually see the things; you may like something that you've never also considered before. Therefore, there is a larger chance that you will lead to bidding for two items and more. Of course, that's serious on the pocket so guarantee you possess adequate money to bid on numerous items.

In series with this, you additionally get to see and hear the auctioneer real time. This way you should be guided regardless of whether you are putting the correct bid or not.
Yet another advantage is that absentee bidding is also feasible with live auctions. This signifies that even if you do not have the time to go to the online bidding, you can still bid. You only have to inform the auctioneer in progress how significantly your supreme bid is and he should play it for you. At the end of the day, you can just go online and check if you've won the auction.


The perceived disadvantage of live online auctions is that it occurs only once. Therefore, if you skip it; you'll in no way get the chance to bid for the same item again.

Live online auctions need time to master. That is why it is highly suggested that earlier than you be part of the bidding process, you have to observe the tradition first. Every online auction website has a different set of rules and regulations. It is best if you are familiar with them in order to make sure that you should be obtaining the very best for your income.

Have fun bidding!

Thursday, July 5, 2012

Understanding The Ins And Outs Of A Coffee Franchise

Owning a coffee franchise can be a very rewarding experience, but before you sign on the dotted line and start serving hot cups of 'joe', there's certain things you need to know so you can make the right decision. If you go into buying a coffee franchise blindly, you could end up making a very costly mistake.

First things first, get a reality check. You should know going in what kind of money you have to put towards a coffee franchise, you should understand your strengths and weaknesses in running a business and be very honest with yourself about how much time you're willing to spend in your business. If you do this, you'll be way ahead of the curve. Don't jump into any decision. Take your time, consult with franchise experts and do your due diligence.

The attractive thing about owning a coffee franchise is the cash flow and profit margin. People are drinking coffee today like it's going out of style and they are happily paying upwards of per cup. The real cost of the coffee is under $ .25. The profit margins with coffee are HUGE! On the contrary, only making a few bucks per cup isn't going to get you a mansion in Beverly Hills. A Coffee franchise is 100% a volume business. You have to crank out thousands of cups per month to see any real income. Some of the most successful coffee franchises have drive-thrus which can make up to 70% of the revenues.

The real secret of a coffee franchise is NOT the coffee, but the atmosphere. People can get coffee anywhere, but they come to these shops because of the social element. They come to hang out, conduct business, surf the web, relax, read a book, whatever. That's why so many coffee franchises have the relaxing and mellow look and feel to them.

However, there are things about a coffee franchise that aren't so fun from the very start. First, the high start-up costs can be huge. Not only will you have to pay a hefty franchise fee, but then you have to get a location, you'll have to get equipment, you'll have inventory to get, fixed costs, variable costs, employee wages and on and on. The costs can be high. Don't forget about the royalty fees that are based on gross revenues, not net profits.

Now even if you are financially capable of buying the coffee franchise, that won't matter because there are more pre-qualifiers you must meet. You're going to need a considerable net worth, a good credit history but the real challenge is that you have to get approval to buy the franchise. If they don't like you, they won't sell you a franchise.

Wednesday, July 4, 2012

Buying Singapore Public Housing From Hdb Resale Market - Understanding The Rules And Regulations

Singapore Public Housing, has been built and managed by Government's Housing Development Board (HDB) since independent. More than 80% of Singapore's population live in HDB flats, with 95% of them owning their HDB flat. Whether you are Singapore citizen, Singapore permanent resident, or working expatriate considering to buy a HDB Resale flat to start new family or relocating in your preferred housing estate, you need to understand some of the important rules and regulations before looking for an ideal roof over your head.

HDB basically govern buyers' eligibility to buy the huge pool of HDB resale flats. You need to be qualified under one of HDB eligibility schemes before your are allowed to purchase a resale flat from the open market. For instance, one of the criteria set in all the HDB eligibility schemes, require the buyer must be at least 21 years old, and together with all co-applicants must not be undischarged bankrupts. Hence you are not eligible to buy a resale flat, say if your falls below 21 years old.

Besides the qualified age, the prerequisites for the eligibility conditions to be met are that, you must be a Singaporean citizen, or Singapore permanent resident. There are various HDB Eligibility scheme available for buyers who meet the criteria such as age and citizenship. For example, you can choose to apply under the Public Scheme, together with yours family nucleus, which comprise at least another permanent resident or Singapore citizen. If you are planning to get married, you can apply to purchase a resale flat under the Fiance/Fiancee Scheme.

For Singapore citizen buyers, they enjoy more flexibility to take advantage of HDB Eligibility schemes design for single, with age 35 and above. If you meet these criteria, you are eligible to buy the resale flat by yourself as a single (defined as unmarried, divorcee, widowed person, or an orphan) under the Single Singapore Citizen Scheme. As an alternative, you can also purchase the resale flat with another related or unrelated single, up to maximum 4 applicants, under the Joint Singles Scheme.

With your age exceed 35 years old and you subsequently married to a non-citizen who has less than 6 months social visit pass, you can apply for Non-Citizen Spouse Scheme. Under this scheme has a flexible condition for your age limit - if your non-citizen spouse has more than 6 months social visit pass, your age limit is then minimum 21 years old. Another variation to this scheme is the Non-Citizen Family Scheme, where it allows a single citizen at least 21 years old, with non-citizen family members to buy a HDB resale flat from the open market. The condition is the non-citizen spouse must has more than 6 months social visit pass.

There are other schemes available to cater for different buyers group where you can find more detail from the official HDB websites, such as Ophans Scheme allows 2 or more orphans who are unmarried siblings, to buy a HDB resale flat from the open market. Citizen / Permanent Resident Siblings Scheme allows 2 or more singles siblings to buy a HDB resale flat from the open market, and Conversion Scheme allows the current flat owner to buy 2 units of 3 rooms or smaller flat or buy an adjoining 3 rooms or small flat with family nucleus.

Having done your homework to understand on the HDB resale rules and regulation, even you are qualified to buy a resale flat under one of the HDB Eligibility Schemes, your final application are still subjected to the proportion limit of your ethnic group and Singapore Permanent Resident quota. This is known as ethnic integration policy, uniquely set to promote racial integration and harmony while preventing the formation of racial enclaves by ensuring a balance ethnic mix among the various ethnic communities living in public housing estates.

The last important HDB resale ruling is that, you need to live in the HDB resale flat after you've purchased. This requirement however, out weighted by the long term advantage where you can rent out your private property to generate rental income while enjoying capital appreciation. Also there is no income ceiling to purchase a resale flat unless you are applying for CPF housing grant and/or HDB loan. To take advantage of the Government subsidies, you may also apply for CPF housing grant and/or HDB loan if you meet all the eligibility conditions under those schemes.

Comparing with private residential properties, HDB resale flats remain attractive with amenities and more affordable for living. Before you decide to go for cheaper public housing, understanding your eligibility status is very crucial at the initial stage. You may consult reliable realtor for further advice. A professional property agent should furnish you the latest Government, HDB and CPF rulings and transparent information such as recent transaction and current market trend to help you be well informed so that you can buy a HDB resale flat safely and at fair or subsidized price using CPF housing grant if you are further eligible.

Tuesday, July 3, 2012

Instant Faxless payday loans-Additional finances to remove deprivation

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Individual will be enabled to get hold of cash instantly within hours of your application. For this, you need to meet some of the criteria i.e., residency of the USA, currently employed and have a checking account. Plus, you need to earn at least 00 per month. Once you meet the above terms. You will get approved with instant Faxless payday loans at ease.

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Monday, July 2, 2012

How Elena Met Rami or The Chabad-Lubavitch Network: A Model of Causality

Elena Lourie and Rami Kafarov never would have met let alone married in Oslo this summer were Chabad-Lubavitch no more than a bunch of affiliated synagogues and rabbis doing what they do, without the Shluchim's trademark passion for a greater vision.

Bringing Elena and Rami togethertookthree Chabad rabbis, one business school with a Chabad-run Jewish studies program, and Chabad's European Jewish Student Center.

Their story amazes me, because it was five Chabad representatives each doing his job in his corner of the world that brought this couple together, said Rabbi Shaul Wilhelm of Chabad of Oslo.


Here's how a nice Jewish girl from Siberia came to meet a nice Russian-Israeli boy in Brussels.

Elena Lourie's parents were worried. Frantic that their brilliant daughter, a physics student, had little hope of meeting let alone marrying a Jewish man while studying in Norway. They confided their worries to Rabbi Zalman Deutch, their Chabad representative in their home in Perm, a frosty outpost on the Siberian steppes.

So Rabbi Deutch called his colleague who had just move to Oslo in June of 2004, Rabbi Shaul Wilhelm.

Oslo is not known for it's Jewish singles scene, said Rabbi Wilhelm. But he called to offer a Jewish home away from home to Lourie instead, just as he does to all Jewish students and Oslo's Jewish community at large.

Over the next two years, Lourie became part of the Wilhelms' family sharing holiday meals, playing with the children. Still her parents' initial request lurked in Rabbi Wilhelm's mind.

That was when Rabbi Yossi Waks, then the executive director of the European Center for Jewish Students, a Chabad-run program with branches from Austria to Malta, from Switzerland and France to Germany and Ireland, contacted Rabbi Wilhelm. ECJS was hosting its first major event a New Year's weekend retreat that was to bring Jewish university students together in Brussels. After much cajoling, and with a scholarship from ECJS, Lourie boarded a plane to spend Shabbat in Brussels.

Also finding his way to the ECJS Shabbat was Rami Karfarov. Several years before the 2006 New Years Weekend was to be held, in The Hague, Rabbi Shmuel Katzman had gotten to know Kafarov, a Russian-Israeli student at a local university. Concerned that Kafarov's Jewish identity would flag and fade during his university years, Rabbi Katzman recommended a transfer to Lauder Business School in Vienna, where Chabad representatives manage the school's Jewish studies component. Kafarov did so, and flourished.

Rabbi Shaya Boas, director of Jewish student life at Lauder, brought Kafarov's talents with a digital camera to Rabbi Waks's attention, and got Kafarov hired to capture the first-ever ECJS retreat as the event photographer. On break from shooting the ECJS post-Shabbat social, Kafarov sat down at a table where Lourie was taking a breather from all the socializing.

When Kafarov met Lourie, the two were delighted to find they could converse in Russian, and one thing led to another, which led to a five-course wedding feast prepared by Chabad of Oslo's Esther Wilhelm.


Stories like the Kafarov and Lourie match are the new reality of the worldwide Chabad community.

Chabad centers have multiplied representatives growing from the hundreds to 4000 in two decades. Unlike a corporation that's gone global, Chabad has become more ubiquitous but not bigger. Each Chabad center is an independent entity, with all fundraising done locally, with one Chabad couple devoting their lives to its success.

They share a sense of brotherhood, a sense of shared mission as spelled out by the Lubavitcher Rebbe, Rabbi Menachem Mendel Schneerson, of righteous memory, that sees Jewish welfare not as a sweeping whole, but as a constellation of individuals. Their commitment to this idea has them dropping everything to help when a fellow Chabad representative calls.

Calling another Chabad shliach is the most natural thing that I do, said Rabbi Wilhelm, and out of the blue offers of help are not unusual. When a Norwegian now living in Rabbi Zalman Grossbaum's community in Livingston, NJ, discovered Rabbi Wilhelm's website, Rabbi Grossbaum emailed Rabbi Wilhelm to offer assistance.

It's not surprising to get a message like Rabbi Grossbaum's, says Rabbi Wilhelm. It comes from the basic understanding that we are all where we are for the same purpose.

Where once a Chabad representative could offer up sweat equity and compassion, Chabad now has a network of programs that offer solutions to an ever-widening array of challenges.

A Chabad representative who has worried parents of a college student in his community can do more than offer counsel. He can call the Chabad on campus representative at that college to check on the student, offer him a kosher dinner, a healthy place to hang out.

There are Chabad representatives serving in communities near major medical centers like Mayo Clinic who will visit, host family members, and bring home cooked meals. Jews and others battling addiction at Caron in Pennsylvania have a place for Shabbat dinner with the local Chabad rabbi. Families unable to care for their children in Argentina can receive home help and full day care for their children through Chabad's IELADEINU program. Whether it is eye problems in Kiev or a hungry family in Sydney, Chabad has a rabbi, a program, a Shabbat dinner, or professional services that can help.

And if the local Chabad rabbi doesn't know the answer, he knows where to find it. Rabbi Zalman Heber, director of Chabad of Tacoma, WA, checks in with Shluchim Achdus, an email network exclusively for Chabad representatives, about once a day. He scans the messages to see if there's something he can help with. He's emailed a speech for a brit milah ceremony to a fellow Shliach in another state, and received help with delicate real estate negotiations for his new center from around the world.

It's heartwarming to know you are not alone, said Rabbi Heber. Even in the dead of night. Chabad's worldwide spread means that when a rabbi is puzzling over a community matter at midnight, it's mid-morning in Australia and there's someone up who can offer advice and answers.

Recently, one of Rabbi Heber's community members was fretting over the emotional state of his son training on an army base in Fort Knox, TN. Rabbi Heber phoned Chabad representative closest to Fort Knox. The rabbi jumped into the car and drove 60 miles to meet a stranger because a fellow Chabad rabbi left a voicemail.

We are all working toward the same goal. So my issue is your issue. Your problem is my problem. It is my responsibility to help, Rabbi Heber said. It's a worldwide family.

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California HSA Health Plans After Health Reform

We had a big question upon hearing about the streamlined health benefits allowed with California health reform's Metallic Plans especially since they were based on the very rich, Kaiser no deductible copay plan. What would happen to HSA's after health reform hits the market in earnest Jan 1st 2014? We now have an answer with California's release of the final Health Plan Benefit summaries. Let's take a look at the options.

First, a quick refresher on HSA's or Health Savings Accounts

We've written extensively on the benefits of HSA's and we've been big proponents (and even members) of HSA plans since their inception for the simple reason that they were well-priced and their tax benefit furthered the savings for those able to fund the accounts. You can find detailed information on how the HSA's work at our page dedicated to them. By definition, the HSA's require a high deductible health plan in conjunction to a tax favored checking account where you fund money toward paying out of pocket expenses you may meet towards the high deductible. You would save on the insurance portion and if need be, use this savings for expenses that arise. If you had a good year, you would save that money and it could grow tax-free in the HSA account. It was very popular for over a decade and we weren't sure if they would survived the richer benefits landscape that Health Reform would usher in. Would there be high deductibles large enough to meet the Federal miminums.

HSA's go Metallic in California

We have to now introduce a newer term to delve into the HSA's future on the California health market. Please meet the Metallic Plans. As part of health reform, the law stipulates four basic levels of health plan benefits (and a catastrophic option for people under age 30). They are the Platinum (richest), Gold, Silver, and Bronze. Each level must meet a certain threshold of health benefits. For example, the Platinum plan must pay 90% of expected health care costs for the enrollee. The Gold would pay 80%. The Silver would pay 70% and the Bronze would pay 60%. If we were going to have an HSA eligible plan, it would be in the Bronze or Silver range...which is exactly what happened.

State of California unveils new HSA health benefits available Jan 1st and after

We received detail which cleared up any questions on the availability of HSA plans on the California market. The Standard Benefit summary lists all the Metallic plans and there are two HSA options there. One is a Silver plan and the other is a Bronze plan as expected. We feel the Bronze will be much more popular due to its higher deductible which mirrors what most people choose on the market now. The Silver HSA deductible is 00 which no one really purchases now (due to cost). The Bronze HSA deductible 00 which is actually higher than the average now (around 00) although the max out of pocket is comparable. There's one more wrinkle to discuss.

Health Exchange versus Non-Exchange HSA plans

The two HSA plans mentioned above will be available on both the Exchange and outside the Exchange. The only reason to purchase in the Exchange is if you are eligible for a health subsidy (Silver plan). To be eligible, you must make no more than 400% of poverty and it's hard to see how people making up to poverty levels might also want to fund a separate HSA account with additional funds. Most likely, those individuals would opt for one of the richer Silver plans in the Exchange. Outside the Exchange (no subsidy), most people will go with the higher deductible option as the whole point of the HSA is to save monthly premium due to the deductible. We'll keep you posted as we get more information (such as the crucial piece..rates) but for now, we fully expect to have HSA qualified plans at midnight, Jan 1st, 2014.

Dennis Jarvis is a licensed agent for Health insurance in California with extensive knowledge of the Individual California health market. More info on the California HSA Health Exchange Plans

Dennis Jarvis is a licensed California health insurance agent with extensive knowledge of the Individual and Small Group California health insurance market.

Sunday, July 1, 2012

Learning How to Get Cash for My House

I have decided that I would like cash for my house. Instead of going about selling my house in the obvious way, using a realtor, spending a fortune on renovations, I will go to ., and get cash for my house. I own multiple properties, and do not spend any time at one of them, nor do I wish to rent it out. Instead, I would like to get cash for my house, and invest in other possibilities. This particular house is just sitting there, and there is no purpose in that. Since there is no purpose in that, there is no purpose in spending hour after hour, sitting with a realtor, going through prospective buyer after prospective buyer, before finding someone. It is a no brainer to do this the simple and obvious way: have Matt and Mitch Painter give me cash for my house. They love property just as it is, and are not bothered by what they see as flaws. An ugly house can be a beautiful house in their eyes, and I know my house is worth that cash up front.

cash for my house is the best way to go. It is right there, and tangible. How should I know, if throughout the process of working with a realtor, I will ever really see the funds? With Mitch and Matt Painter, I know that I will see the cash quickly, and that my house is in the best hands possible. I would recommend that everyone get cash for my house. Cash is real. You do not have to wait for any type of check, or any type of fishy compensation. Instead, the bills will be in your hand, and your property will be taken care of fast. Real property buyers know that all homeowners want is to see that their homes are being properly nurtured, and not judged based on wear and tear. cash for my house is a great way to show this, and I know I will not regret my decision. What Mitch and Matt Painter do is highly unique.

They see into what property owners struggle with, and attempt to address those needs with cash for my house. I have found, in my years as a property owner, that realtors will never feel the same types of emotions that they do when dealing with property. After all, these two brothers have been involved in property ownership for years. They know the name of the game. cash for my house will be gratifying, and will represent how much work I put into my home. Although I no longer need this particular property, it does not mean that I value it any less than my others. I would not want a realtor or outside person suggesting that I shift its integrity in order to please possible buyers. I will stick with Mitch and Matt Painter, and let them give me cash for my house. For more information on cash for my house, visit .