Friday, August 31, 2012

Long Term Auto Loans: Grab The Best Possible Deal And Fulfill Your Automotive Yearning

Today automobile industry is getting wider and wider. The reason behind this statement is increasing demand for automobiles, as they are fast being considered a necessity of modern life. So, in order to support this necessity there are number of sources available in the financial market, which are ready for financing an automobile either for personal or business use. The easiest one, both for you and your pocket, is Long Term Auto Loans.

These auto loans are specifically designed to meet your auto loan requirements and they help you pay back your loans after a long period of time. You can either have a secured long term auto loans or the unsecured long term auto loans. The interest rate for the secured loans is lower as compared to the unsecured loans.

You need to make a certain down payment before you get this loan. This down payment is useful in lowering the interest rate. The more down payments you make the lower the interest rate becomes. The interest rate also depends on your past repayments. If you have made timely repayments, then you also get higher priority in this loan and a lower interest rate. If you repay this loan sooner then the time given to you, you have a chance of getting some interest lowered in your next loan. Long term auto loans can be either secured or unsecured. While the secured option involves pledging collateral with the lender, the unsecured option has no such conditions. Also, whether the person has a good credit history or a bad credit history, he can avail long term auto loan on easy terms.

The interest rates for long term auto loans are the lowest in its class, owing to the longer term of repayment period associated with them. This feature of these auto loans makes it stand apart from others. Generally a period of 10-25 years is associated with the long term auto loans.

Saturday, August 25, 2012

Bankruptcy Lawyers Alleviate Personal Worries

It once was that a person might file bankruptcy almost on impulse, merely to emerge from under a huge burden of obligations. Then that individual would begin again, and a couple years after file bankruptcy again. This sort of situation is not simple for just about the most part a result of the new bankruptcy law.

The bankruptcy legal guidelines however differ from one state to another but most of the most popular groundwork inside bankruptcy rules continues to all of the states. These variations as well as adjustments which might be state specific are, for the most part, rather small points. What's more, one of the effects of the recent legal guidelines are if you will file bankruptcy, you must do that within the state through which you are a resident, therefore you are not able to just go to a different state to file bankruptcy mainly because they might have more lax regulations in a few areas.

With the new bankruptcy laws, the one who is actually thinking about filing ought to go through a process termed as means test. The means test could be very complex as well as the outcomes of that test could mean the gap between declaring bankruptcy in addition to not be allowed to file bankruptcy.

What therefore to you personally would be that the court talks about your finances using a very fine tooth comb. The court can determine that you do not need to file bankruptcy depending on your level of income and that you can certainly pay your debts, which still being able to sustain your reasonable and necessary living expenses. That's usually where things really get sticky, due to the fact while a consumer may consider "reasonable and necessary" to be that beachfront house in Miami, it can be extremely unlikely that the court would concur with your definition of "reasonable and necessary".

Another change in the bankruptcy laws and regulations is always that the consumer who plans to file bankruptcy is now required in almost all states to go to credit counseling classes. To some degree, this does not make sense since the underlying reason that a consumer may well be considering bankruptcy would not be budgetary mismanagement, but could be host of other financial hardships, like a job layoff, extensive medical debts, an ugly divorce case, as well as other stuff that are entirely unrelated to financial mismanagement, as well as in fact, the consumer could possibly be the sharpest person on this planet regarding financial circumstances. But that person still should go to the credit counseling classes, this is mandatory.

Because of many modifications in the bankruptcy law, consumers who may have planned to file under Chapter 7 bankruptcy might now will need to file under Chapter 13 or perhaps Chapter 11 bankruptcy. High of this determines the amount of your respective personal assets may be retained, or simply sold out to satisfy your debtors.

One thing that has become clear with all the new bankruptcy laws is that bankruptcy is no longer a "do it yourself" process. One mistake in filling in the actual mountain of forms could cause your bankruptcy application to get dismissed. You should work with a good bankruptcy attorney who knows the bankruptcy law as well as variations in your state to enable you to file effectively with the least quantity of individual damage.

Friday, August 24, 2012

How to Go About Dump Truck Equipment Leasing

Dump Truck Equipment Leasing may fall under the more general leasing category of Heavy Equipment Leasing (meaning, dump trucks are classified as heavy equipment like bulldozers, backhoes, and excavators) or Commercial Equipment Leasing. The numbers show that more than billion in construction equipment (like dump trucks) are leased annually by US companies alone. Why pursue Dump Truck Equipment Leasing?

Some companies opt for Dump Truck Equipment Leasing because they are trying to expand the business and need their existing cash flow for this. Others may choose Dump Truck Equipment Leasing because their existing equipment suddenly failed to function (due perhaps to old age or defects) so they need functional equipment quickly to keep operating. Dump Truck Equipment Leasing is also good for companies that want to gain a financial edge over their business rivals by being able to reap savings thru leasing equipment (as opposed to buying.) Dump Truck Equipment Leasing would probably appeal to contractors in the construction business that will always need dump trucks (whether to deliver materials or to cart away construction project debris.)

If you get lucky or are just plain smart about choosing a lender, you might be able to get a Dump Truck Equipment Leasing arrangement customized to your business situation. This is very important because businesses (even those in the same industry) may experience different business cycles, and cash flow patterns, while company owners may have different ideas of what constitutes as a sufficient budget. Construction projects are sometimes seasonal in nature, so you need a Dump Truck Equipment Leasing arrangement which can give you the flexibility of adjusting payments to the months when business is peaking and you can afford the payments on the Dump Truck Equipment Leasing arrangement.

Some lenders may offer a very quick processing time (maybe even as fast as 24 hours sometimes) which gives company owners who are in a hurry an advantage for acquiring their dump trucks quickly. If you have the right documentation on hand, you could find yourself signing your Dump Truck Equipment Leasing contract fairly soon after submitting the leasing requirements.

Be sure though that the leasing options the Dump Truck Equipment Leasing arrangement you enter into has the right provisions you were seeking. For instance, if you are expecting to purchase the dump truck after the lease term has been completed, look carefully through the contract to make sure that that stipulation is there.

Also, verify with your company accountant if your corporate income stands to gain via deductions from such a Dump Truck Equipment Leasing arrangement. This would probably be dependent on some tax laws or business tax conditions that only accountants may be updated about. Ask your accountant to also examine the Dump Truck Equipment Leasing arrangement for the presence of soft costs (like installation expenses, and maintenance and training costs) so that you know if you gain more savings that way or if you have to pay extra (as the case may be.)

Thursday, August 23, 2012

Top Five Reasons to Sell Weekly Call Options

An amazing income opportunity is now here with weekly call options. "Weeklys" come out every Thursday and expire the following Friday. There are no new Weeklys in the final week where the monthly options expire. You can just write the next week from the monthly list.

Although Weeklys have been around since 2005, it has only been since the summer of 2010 that the offerings have been expanded to include stocks and ETS like Apple, Amazon. Intel, Microsoft, Research in Motion, Cisco and Las Vegas Sands, to name a few. On the ETF side, there are QQQQ, GDL, GDX, USO, SLV and more, as well as the SPX and the OEX.

How Weeklys Super Size Your Trading Account

You Get to Sell 4 Times a Month!

Selling call options four times a month versus once is a pure gift. An experienced covered call writer can earn A LOT more premium. Doubling the monthlies in many cases is not unreasonable. Also, if you use a long-dated put for protection, this "insurance" can be paid for very fast due to more writes per month.

8 Days a Week Versus 30

Forecasting eight days instead of thirty is a piece of cake; it's much easier to look at what is happening in the week ahead. One of the biggest complaints about covered call writing is what to do if the stock really runs up and you have to either forgo the increased gains over the call option strike you sold or buy back the call at a much higher price. If this happens, it's a lot easier to adjust over one week and reset with a new trend the next week.

Accelerated Time Decay

Call writers depend on time decay. With Weeklys, time decay is greatly accelerated. There have been times that calls I sold on Thursday morning on introduction eroded over 30% by Monday's close. How cool is that? You can write near-the-money calls or at-the-money-calls and collect the higher premiums due to the rapid time decay.

Skip Earnings Week and Relax

How many times have you crossed your legs and held your nose during earnings week? Well, now you can just sit it out. Weeklys offer the ultimate in flexibility. You can also trade the news that week before or after the event. Again, you can be in or out of the market weekly. THAT is flexible.

Selling Weekly Puts for Even More Premium

Weeklys offer an astonishing opportunity to super size returns by selling a naked put or a put spread (to limit risk and to use less margin) for more premium. Just follow normal put selling rules; sell below a strong support point, at least one strike out of the money and maybe more if the premiums are good.

It's amazing how many experienced investors and fund managers do not know much about weekly options. The word is spreading. There is a lot to know about the various covered call writing strategies for up, down or sideways markets. The more you learn, the more you earn.

How Credit Card Jumping Affects Your Credit Rating

Credit card jumping (or rate surfing) is becoming more widespread as people struggle to keep on top of the mountains of debt they have amassed. It's called credit card jumping because people jump from card to card, taking advantage of the best deals on offer.

How Credit Card Jumping Works

It works like this. Suppose you pay for your new car, DVD recorder or stereo using your old card. After the interest free period of around 56 days (less on some cards) you will have to pay interest on the outstanding balance. This can range from under 8% to well over 23% depending on the card you have. And most of the money you pay back each month will pay off interest rather than reducing the principal.

Credit card jumping offers a solution. Most card companies offer reduced interest rates to new customers. This can be a long term low interest rate or a 0% interest rate for a period of up to 12 months. This means that during this period credit card customers are reducing the principal when they make repayments. This will help to reduce their overall indebtedness.

Shopping For A 0% Credit Card

To get a 0% card, consumers just need to shop around. They can visit one of the many comparison websites to find the best deal. Many card companies also offer other incentives such as money-off vouchers, cash back rewards and discounted insurance.

The 'jumping' part comes when the 0% offer runs out. Canny consumers will apply for a new card about a month before the old offer runs out. This leaves plenty of time to get the new card and transfer any balances on to it to take advantage of the new offer. Consumers can do this any number of times.

What About My Credit Rating?

The key to keeping a good credit rating is to always pay at least the minimum amount that is listed on the statement. This must also be paid on time and consumers should never exceed their credit limit. It is also important to keep the old cards even after the balance has moved to another card. Old cards show people's credit history and improve their credit rating.

How Companies Protect Against Card Jumpers

When 0% interest offers first appeared, credit card companies did not realise the implications. They lost hundreds of thousands of pounds of potential interest. Now there's a strategy in place to make card jumping less attractive. This is the balance transfer fee.

The balance transfer fee is a new charge imposed by credit card companies whenever consumers transfer a balance to a new card. The rate for this is around 2%. This means that card companies get their money up front. There are still some cards that do not charge a balance transfer fee, so it's worth shopping around while they last.

Wednesday, August 22, 2012

Common Debt Mistakes - Personal Finance Help

No one likes the idea of being in debt. Debt usually creates emotional stress, relationship strains and a general feeling of disappointment or failure. Sadly many people who may be struggling with debt make the same errors that can be avoided. By carefully reading this article you can avoid the common debt mistakes and get the personal finance help you deserve.
Lack of a Financial Plan:
If you want to reduce your debt you need a plan. As I have previously mentioned on my blog it is a wise decision to eliminate the debt that has the lowest balance first. To begin with it will give you great satisfaction of reaching your goals and will help you move forward to your next outstanding balance. This method also lowers the number of different bills you have to pay, which will eliminate confusion. If you make a plan and follow it you have already prevented one of the most common debt mistakes.
Spending Too Much:
It sounds obvious but spending too much is the main cause for debt and more and more people spend more than they make. You must eliminate unnecessary costs and avoid purchasing those items you can't afford. If you discover that you are unable to stay on top of your spending it may be time to seek a financial adviser. They can help you avoid those common debt mistakes and provide the personal finance help you might need.
Hiring the Wrong Debt Consolidation Agency:
Everyday we are bombarded with television and radio advertisements that offer debt consolidation services. Some are legitimate and others aren't. The only way to know if a particular agency is right for you is to investigate the company thoroughly. I have heard some company's state that they can lower monthly payments by more than 50% or eliminate debt in under five years. If it sounds too good to be true it probably is. Do a lot of research before you entertain the idea of hiring a debt consolidation agency. Personally I would not recommend seeking this service at all but if you choose to go this route, choose wisely.
Not Understanding Why You Are In Debt:
Certainly this is the most common debt mistake when seeking personal finance help. If you aren't sure why you are struggling with debt or don't know how you got into debt to begin with then how can you solve the problem? If you borrow money for non-essential spending and keep spending money you don't have you must rectify that problem immediately. It is okay to have a home mortgage or college loan but you must prevent unnecessary purchases. The sooner you figure out why you're in debt, the sooner you will begin to eliminate it.
Making The Same Mistakes:
I learned an amazing fact that 80% of individuals who win the lottery are in a worse financial situation two years later. Why? Because they repeat the mistakes they've always made. If you begin to solve your financial difficulties and then fall back into previous spending habits you'll be right back at square one. Understanding your debt, putting those solutions into place and sticking to your plans will help you stay out of debt. Don't repeat what got you into trouble in the first place.
Debt is easy to fall into and hard to get out of. If you avoid these common debt mistakes and seek proper personal finance help you will become debt free quicker than you ever thought possible. Thousands of people are able to work their way out of debt and you can too! Stick to your goals.
Happy Thanksgiving to our Canadian friends!

Tuesday, August 21, 2012

Joaquin Phoenix's Best Performances

There are many actors who would go as far as to say that playing oneself is the hardest part an actor can play. In the case of Joaquin Phoenix, he played "himself" over the course of a year. Remember back in 2009 when the actor sat down on late night television host David Letterman's couch? He came out in sunglasses and with a beard so scraggly he could be confused for an animal in season. The interview itself was entirely curious as well. The one word answers befuddled even the astute interviewer Letterman, and the media was quick to label Phoenix's appearance as the sign of a meltdown. Phoenix is more prone to this kind of media attention, thanks to the circumstances of his actor brother's death, River. Of course, it turned out it was all a hoax. Phoenix hired Casey Affleck to make a documentary about Phoenix's supposed "meltdown," but in the end it was a parody of celebrity culture. Critics were less than amused by the results, and gave the documentary, "I'm Still Here," mixed reviews. Phoenix is not used to such mixed reviews when he's playing other characters though. Here are the five best performances of the actor's career.

Gladiator
Russell Crowe may have won the Oscar for playing the hero in this sandals and swords classic, but Joaquin Phoenix's
turn as the venomous Roman Emperor Commodus is the real star turn. Commodus is a complicated character, filled with envy, weakness and lust for his sister. Phoenix explores all facets of the power hungry emperor, and turns him into one of the most human villains in recent cinematic memory.

The Master
Director Paul Thomas Anderson seems to have a way with actors, and with "The Master," he guides Phoenix to the best performance of his career. Phoenix plays Freddie Quell, an alcoholic soldier who is seduced into a cult by the wily ways of its charismatic leader. Freddie may seem like little more than a drunken buffoon at first glance, but Phoenix transforms him into a tortured, animalistic and confused man, lost in post WWII America.

To Die For
In his breakout role, Phoenix plays a high school stoner who starts a relationship with the twisted local weathergirl (Nicole Kidman). Phoenix is different in this film than in most: Goofy and relaxed. This may not be his most iconic performance by any means, but it does display his versatility.

Two Lovers
Phoenix has paired with director James Gray more than any other director. Their 2008 collaboration, "Two Lovers," is far and away their most successful. In this old-fashioned love story, Phoenix gives a remarkably restrained and truly touching performance as a suicidal man torn between the love of two women.

Walk the Line
Surprisingly, this remarkable actor has only two Oscar nominations to his credit, and only one leading nod. He earned it for his incisive portrayal of country legend Johnny Cash in the 2005 film "Walk the Line." While the film rarely rises above the level of average music star biopic, Phoenix's transformative turn makes the audience feel heartbreakingly close to the emotionally fragile man in black.

Few actors would have possessed the skill to eclipse the shadow cast by an actor as skilled as Phoenix's departed brother. Joaquin Phoenix has gone a long way to do, and has established himself as one of his generation's finest actors.

Sunday, August 19, 2012

Why Hire A CPA (Certified Public Accountant)?

A CPA or a certified public accountant can be one of the most important human resource assets of any organization, but many organizations do not realize their importance or have incorrect or partial knowledge about how to reap benefits from hiring a CPA. Before discussing why an organization should hire a CPA, let us know more about the responsibilities of a CPA.

A CPA is a professional who may work individually or act on the part of an accounting-firm. He or she monitors and keeps track of the financial records of an organization or an individual. Every year numerous businessmen question the need to engage a CPA for account purposes, when all a CPA seems responsible for is filing statutory paperwork for the government and delivering a profit and loss statement.

Many businesses are unorganized or are headed by individuals who are too busy to organize their finances. A CPA looks after the financial statements and records of the client. They are trained and experienced and that makes them the perfect choice to trust all your accounts with.

To become a CPA, one has to meet the requirements laid down by American Institute of Certified Public Accountant (AICPA). There are some states that strictly require a CPA to have a minimum experience level, before starting off to practice. However, not all states lay down the same rules.

A CPA need not be hired all year round and typically in an organization where there is an accounts department already existent, a CPA is hired for a short time only to prepare professionally the tax returns. However, some businessmen do keep a regular CPA to ensure that their finances are in order. Taxes are the specialty of a CPA. In fact most of them are hired to take care of all applied taxes. CPAs are experts in filing multiple federal as well as state tax returns and they also know how to accurately organize all the receipts and other document verifications required for tax deductions.

While hiring a CPA, some businessmen or organizations look out for CPAs who are located in the same area of the business, so that in the event of some unexpected problem cropping up, he can be contacted immediately. Some businessmen however, prefer to hire a CPA who has a successful track record, even if he is located across the nation.

The above mentioned reasons are good enough to hire a CPA, but if there is still doubt, there are other good reasons as well. Most organizations seek help from a CPA to preserve their financial records safely and to file tax returns for them. A CPA can supervise budgeting processes, setting up of financial systems, including making quick books, training staff and giving money saving ideas etc, along with being a sounding board that gives sound advice.

Organizations never seem to exploit a CPAs skill properly. With the type of command the CPAs have over the financial domain, the organizations can benefit a lot from their expertise. Time is precious and instead of spending hours on reviewing and sorting your finances only to find out that you have erred, it would be much better and easier to just pick up the phone or log on to the Internet and fix an appointment with a trained and experienced CPA.

Friday, August 17, 2012

The Action Plan To Make A Movie

When producers create an proceedings preparation to get on to a show they look by their financial statement and project needs like actors, crew, and film gear and that. Successful producers by the self-determining level are renowned to shell out special attention to crew and film gear expenditure to make the generally bang pro their production buck. A producer with restricted film financing wants to be able hire a production crew that's lean sufficient to be reasonably priced while left over productive. A generous crew isn't permanently an efficient crew. To paraphrase could you repeat that? I've heard on renting equipment from a hardly any producers is, it's better to be inflicted with on loan film gear and not used it than to be inflicted with not on loan film gear and looked-for it. There's approximately truth to with the intention of adage, but it can make expensive renting excessive equipment. Why burn through money you can waste to beef up a further are of production?

Choosing a production crew and film gear is not an exact science. At a bare smallest a show needs picture, lighting, sound, direction, actors, and locations. How a producer blends these elements collectively is lone of the thrills of making movies. A producer must consider early by the top of the production pyramid and bring about their way down as deciding on could you repeat that? Elements will be looked-for to complete a show. If you're acting as producer you're by the top of the production pyramid making decisions and running the trade show.

Break made known the catalog of jobs you're personally vacant to be usage outside of the producer role. Make clarification on answer elements of the script with the intention of might require special attention or equipment. This can include scenes with the intention of require fake blood, wounds, or bruises to be useful on fit to actors. There may possibly be a vista with the intention of requires a camera to stay on an actor running. Make a annotation with the intention of a Steadicam needs to be on loan if you don't already be inflicted with lone laying around.

Nobody knows your show better than you inside and made known. Put your information to aid in your proceedings preparation. What's your story? Is it dialogue driven with a small cast fit in a link of locations? Is it a fast tender proceedings story with a decent size cast? Knowing your story makes it easier to point out the aptly size crew and equipment looked-for to spurt.

Creating an proceedings preparation starts with money. Do you already be inflicted with show financing open to start production? Or are you putting collectively a pitch package with a detailed financial statement to pull towards you film investors? This is everywhere creating an online drone using SEO elite marketing pro your project is valuable. Film investors aspire to deposit their money into a show with the intention of has a strong online presence. The more visitor traffic to your show locate you can generate earnings more the makings investors you can join with pro financing.

Once the money is in place be inflicted with a script breakdown made of all elements with the intention of will cost money from digit of spurt days to payroll. You might discover with the intention of a less important crew with a reduced amount of film gear than you probable can sort out the job. That's a financial statement savings you can aid to add production regard to your show by hiring renowned actors or beefing up the placement production special things in the final graze of the show. Once cast and crew contracts are signed you are equipped to from proceedings preparation to, illumination, camera, Action! This is indie filmmaker Sid Kali typing SMASH CUT:

Monday, August 13, 2012

Gold And Cpi Do Matter

I was curious about the value of gold and America's CPI (Consumer Price Index). What relationships exists between the gold and the CPI. Year 1950 is the base year in which I purchased 34.72 dollars of CPI. From 1960 until 2010 I show what 34.72 is worth in that year's dollars. CPI inflation % shows the yearly increase from the base year. While CPI to gold shows what percent of one troy ounce of gold does CPI equal.

So I built the simple spreadsheet listed below.

--------CPI GOLD -CPI--------CPI to
Year VALUE VALUE Inflation% GOLD

2010 4.16 1,410.25 804.84% 22.28%
1960 .64 .27 22.81% 120.90%
1950 .72 .72 0.00% 0.00%

The value of gold stayed ahead of CPI inflation by double digit percentages. An exception being 1960 and 1970 where CPI exceeded the value of a troy ounce of gold. I pose a small question for my readers. Why does the 2010 cost of goods and services within the CPI cost 804.84% more since 1950? The dollar is a dollar. Has inflation taken its toll? Congress will tell me quick that the prices went up. Everything costs more now. After checking decades old newspapers I can see that prices were cheaper in 1950 than 2010. Everyone is aware of inflation but few understand deflation. This of course is my statement of fact and may be an assumption that I will regret.

Dictionary dot com says inflation is a persistent, substantial rise in the general level of prices related to an increase in the volume of money and resulting in the loss of value of dollars.

While deflation is a fall in the general price level or a contraction of credit and available dollars.

Disinflation is a period or process of slowing the rate of inflation.

My college economics teacher stressed that when government prints more money than the value of goods and services it is buying things on the cheap, gold would probably grow in value. The market place will naturally adjust to there being more dollars in circulation by revaluing prices upwards. A loaf of bread cost 1.10 dollars until the printing press produced X dollars more. Now that same loaf of bread cost 1.39 dollars. The value of my money shrunk by 29 cents.

If a government buys back some of it currency from the market place. Then prices fall to match the availability of fewer dollars.

With that said, a citizen has a simple decision to make. Find an asset that stores value recognized by others. Two recognized stores of value are silver and gold. Not paper certificates of deposit or currency. No, I mean physically owning gold or silver. Perhaps storing it in a bank deposit box. A bar of the gold or coins such as the American Buffaloes and Eagles, Canadian Maple Leafs, or South African Krugerrands can store value for you.

Americans haven't noticed how much currency one needs to carry in order to handle your daily spending. One reason is credit or debit cards equals not having to carry around bags of money just a slim plastic card.

I'm not on a rant about America falling. Any nation that treats its currency or debt like us has had rude awakenings. Germany, France and Great Britain should now know better from its recent experiences after World War II.

We need to take the credit / debit cards and check book away from our elected officials. They should only spend what they take in on taxes. Turn off the currency printing presses for a while. It would be nice to celebrate no governmental spending days. Sooner rather than later other governments are going to say, "I don't want to buy your debt! It's not worth anything."

Our politicians need to check into the Betty Ford's clinic for addiction treatment. Not for drugs or alcohol but our money!

Saturday, August 11, 2012

Advantages of Housing Loans Using SIBOR Rate

Advantages of Housing Loans Using SIBOR Rate

Home loans are some of the most common types of loans people apply for in order to purchase another property or to refinance a home renovation or rehabilitation project. There are many factors to consider before choosing a housing loan such as the amount of loan, which bank or institution to apply and the interest rates available. Choosing the interest rate for your home loan is very important since this factor will determine how much you are going to pay every month to pay off your loan. That is why many home buyers and investors prefer the lowest interest rate as possible in order to obtain lower monthly payment costs. One of the most common interest rates used as benchmark by various banks in Asia is the SIBOR rate or the Singapore Interbank Offered Rate.

Aside from Singapore, many countries in Asia also use SIBOR for their home loans. The Association of Banks in Singapore or the ABS is the main institution that sets the SIBOR rate every day. Since it is one of the most common benchmarks in the industry, it is important that people especially home buyers and borrowers have sufficient knowledge about this type of interest rate. Banks and lending companies use SIBOR rate because of its good qualities. One advantage of SIBOR against other types of variable interest rates is that it is more stable compared to the SOR which is another type of benchmark used by banks and lending institutions in Asia. SOR are only ideal for short term interest rates while SIBOR rate is more ideal for long term home loans. This is because SOR pegged home loans have lower initial interest rates but are very volatile and always fluctuating while SIBOR starts a little higher but do not fluctuate rapidly.

If you don't want to take risks with home loans pegged on variable interest rates, you can consider home loans based on fixed rates. Fixed interest rates are higher than variable rates since banks and lending companies are profit-driven institutions and they operate by securing their profits and reducing possible losses. With higher fixed rates, banks can minimize risk of losing money no matter what the economic condition and performance will be. Aside from being relatively high, fixed rates are also used by banks as promotional rates which are only applied at the initial years of the housing loan. After the initial years, the interest rate will be changed to the main benchmarks such as the SIBOR rate. Using fixed rates are only ideal if you want to have better comparison among home loan options and deals available to you.

Aside from the common benchmarks and fixed rates, some banks and lending institutions offer housing loans pegged on their own derived interest rate. Banks using these kinds of interest rates usually make changes on the rates if the factors affecting the rates also changes such as the supply and demand, real estate performance and other economic factors affecting their self-determined interest rate. Compared to SIBOR rate which is publicly available and can be easily monitored every day, changes to the interest rates determined by banks are only announced by giving notice to its clients.

Difficulties And Benefits Of Being A Single Parent

It cannot be denied that single parenting is a tough job. No matter what circumstances have thrown you into the world of single parenting, the road that you are traveling is a rough one.

There are many struggles that a single parent may face. You must know how to balance your work, housework, visitation schedules, childcare and your children's activities. You also have to set aside some free time for yourself.

Usually, one of the biggest struggles that single parents face is financial ones. This is true especially for a custodial parent. To add to this, delinquent child support is on the rise. To top it all off, the children need attention, guidance, quality time and just every day care. All of this may seem to be overwhelming.

The single-parent family is faced with many problems and pressures that the nuclear family is shielded from. Some of these are:

- Visitation as well as custody arrangements
- The effect that continued conflict between the parents may have on the children
- There is a decrease in the amount of time that children and parents can see each other.
- Effects that divorce has on a child's school performance and interaction with peers
- Disruptions that reach into the extended family
- Negative reactions that a child may have when a parent begins dating again

Although the single parent is faced with many challenges, if a parent is willing to work hard they may reap some benefits from their situation. Here are some of the possible benefits of being a single parent:

1. There can be a reduction of hostility, tension and discord as well as an increase in the solidarity of the family. There is also a greater consistency in the enforcement of rules for the children.

2. Since a single parent does not have to worry about giving into the demands of another adult, he or she will be able to be more flexible in planning time with the children.

3. Single-parent families may come to depend upon each other more and work together to solve problems about daily living. When you get the children involved, they are much more willing to help carry out any decisions that have been made.

4. Single parenting can help make one strong and develop more character. Challenges turn into opportunities for growth.

5. Children of single-parent families may broaden their experiences because they are influenced by each parent individually.

6. There are extensions of the single-parent community that can provide support. Single parents do not have to feel cut off or isolated. There are different support groups that are available such as Parents without Partners.

7. If the children are able to contribute to the household, they may feel more valued and needed. When both parents are in a family, they usually distribute the major responsibilities between them. However, in a single-parent family, every child has to do his or her own share which is a vital part in daily living.

So, as you can see, there are both disadvantages as well as advantages in being a single parent. With hard work, guidance and support, you can become a model single parent.

Friday, August 10, 2012

Cartier Love Bracelet Replica - A Stainless Steel Ring Love

Cartier love bracelet replica tells you how far will your love goes. We sometimes are annoyed that how far can two lovers go. Will his or her heart change? Whether she or he will love me forever?

When the love of Cartier jewelry series came out, building things promotion and image began to go everywhere. And the question that Cartier sounds so worthy of thinking - How far would you go for love? actually speaking, will you seize your truly love or will your lover love you forever in his or her deep heart.

The purpose of two people being together has evolved from the need for reproductive love for each other. These gifts have been used by humans to express their love, they play an indispensable role in the development of the relationship between the two. Love is beautiful because it is a type of skill shared by all human beings. But it is a shame to buy the ring of love is far from being a kind of skill that all people, since every element of estate costs thousands of dollars. Few can afford the ring, but does not mean they are not willing to go far for love. If you fall for someone, you want him or her the best things in the world, but the "best" should not be fancy, so there may be things that are much more commonplace and affordable.

If the rings love on your fingertips, replica versions of the rings is very useful to examine. Instead of being with genuine gold and Diamond, these copies are made of stainless steel and diamonds lab created, they are always high quality and equipped with exactly the same look of the original models. And the most interesting part is the low prices that allow you to buy different Cartier Love Bracelets in various colors and styles to suit different outfits or moods.

Nobody can say that love must be represented by diamonds in real gold. Personally, I think the answer Cartier Love Bracelets, stainless steel can also bring love stainless, which explains the beauty of love.

Wednesday, August 8, 2012

Why Lottery Winners Lose it All

You have heard it time and again. Lottery Winners losing it all and trust fund babies wasting their parent's hard earned cash. In fact, up to 80% of the lottery winners in this coun"That would never happen to me. You would have to be really dumb to lose all that money." Yet the very reason that these individuals let their money run through their fingers is the very reason that most of us are still working pay check to paycheck.

It is a lacking mindset that is responsible for our financial difficulties. Those with money that work their way up from the bottom or build the wealth they have easily, have the one thing that most of us lack - a million dollar mind set. All wealth begins with it and all wealth is maintained by cultivating this feeling of prosperity.

I would bet that most of us could compile a list of hundreds of things that we "want." That sense of wanting means that we feel that we do not have these things. When we replace this wanting feeling with the sense of already having wealth, amazing things start to occur within our brains. We begin to come up with ways of having wealth instead of merely wishing and wanting it.

How do we create this million dollar mindset?

1) Think about being wealthy and write down any thoughts that come up.

Write down the objections that already play in your mind. Write down the excuses like "It takes money to make money."And write down all the things that you wish you could have if only.

2) Release on those thoughts. Let them go and keep letting them go until the negative emotions go away with them.

3) Replace negative thoughts with positive ones.

4) Fill your mind with the images of what you want and picture yourself already having them.

5) See yourself as you will be. Feel what you will feel. Add audio and even the things that you will smell when you reach that state. ex. the type of perfume you might wear, the sound of bankers begging to give you loans, the feel of silk upon your skin, etc...

6) Keep releasing your negative emotions and thoughts until you have what you have been wanting all these years.

7) Act upon the incredible ideas that your subconscious shares with you fearlessly.

Gaining wealth is easy. It is simply a matter of letting go of your fears and doubts and going for what you truly desire.

Tuesday, August 7, 2012

Commercial Building Classes

It is important to know the class of a building as it pertains to leasing commercial office space. What does the category of a building tell a potential client? Basically, it is a somewhat subjective breakdown of commercial buildings by different standards that can indicate how desirable this property is to both tenants and lenders. It can be very helpful in deciding where to place a business and if that location and structure can support the business goals of the company.

BOMA Overview

The Building Owners and Managers Association (BOMA) is an organization in the field of commercial real estate. They have come up with some building class descriptions to aid in standardizing certain business audiences and in particular individual structures. One of their goals is to achieve a unified approach to office market conditions as based on certain parameters.

The market is divided into two bases: international and metropolitan, with the obvious differentiation being looking at a particular venue through more local or world-wide eyes. Most businesses will be looking at the metropolitan base for the class of a particular building.

Metropolitan Base Structural Divisions

Class A - Structures that fall into this designation are those buildings that have unique features and whose office spaces usually lease higher than the average in a certain location. Such buildings have business space that is equipped with avant-garde systems, above average accessibility, located in areas that are well-known in the market, have a physically impressive and probably newer structure and usually offer high quality amenities and facilities.

This type of category would greatly benefit any company and probably ensure that relocation any time in the near future to pursue a market advantage over competition would not be necessary. Of course, along with this high quality is undoubtedly going to be a high price as compared to other classes of buildings perhaps in the same general vicinity.

Class B The buildings that fall in this classification have adequate facility systems, good accessibility for clients, are located in decent districts, have physical structures that offer functionality with limited extras and may be over 10 years old and are certainly capable of meeting most of the tenants basic office needs. It is not, however, in the competition as a Class A structure.

Obtaining leasing in this classification could be a little difficult as this is an extremely popular type of building for many businesses. The economic twists and turns of the past few years have opened up some office space that was formerly unavailable so it is certainly a good time to look for openings in this type of building.

Class C - Although this is the lower category of structure, it does not automatically mean that this is a poor office in a bad location. Office space in this type of building may be adequate for many businesses, particularly start-ups that need to find below-market rent at least for the immediate future. The only thing it definitely means is that tenants actually pay lower than the average rent in a particular area. It won't look as great on the outside and the interior facilities won't be state-of the art; it still may be adequate for the need of some businesses.

If a business needs inexpensive office space, this may be the structure that best suits those needs. Sometimes the historic value of the structure can become a competing advantage to a particularly-targeted market. The potential downside to this class could be on the maintenance, ventilation, electrical and mechanical systems of the structure.

Final Thoughts

Knowing these three designations and determining an office space floor plan will greatly help get the best size and functionality of a structure that meets necessary business requirements. Bear in mind, when looking at potential office space, that this is a voluntary rating system with no current repercussions for inaccurate classifying by a developer or broker. So there is room for some negotiation if the structure and office space doesn't seem to be accurately identified within a particular designation. Know office spaces classes and work out the most economic settlement for your business!

Sunday, August 5, 2012

Commitment Vs.involvement: In An Egg And Ham Sandwich, The Chicken Is Involved, The Pig Is Committed

A recent article in the St. Petersburg Times by Robert Trigaux reminded me of this grand old saying: "Commitment Vs. Involvement: In An Egg and Ham Sandwich, The Chicken Is Involved But the Pig Is Committed." The article was published on Sunday, April 11, 2010 and it went through the cast of characters that were somehow involved with the market crash and recession starting in late 2007. The majority of the article was based on the testimony a lot of these people recently gave in front of the Congressional committee that was investigating the causes of the economic crash.

A few things struck me as I read the article and looked at the pictures of those listed as involved in the crash. The first thing I noticed, and the most obvious, was that all of these people mentioned in the article were involved in the crisis (the chickens) but none of them want to stand up and commit (The pigs) that their actions or inactions were contributing factors to the disaster:

1) Alan Greenspan, former head of the Federal Reserve Board, did not take responsibility for the crash even though many people think that under his leadership, the Fed kept interest rates way too low for way too long. During the hearings, Greenspan stated that he was right 70% of the time in his Fed decisions. While 70% might be good for an NFL quarterback for a pass completion record, 70% is not good enough when the economic well being of the nation's citizens are on the line.
2) George W. Bush has not taken responsibility for the crash even the seeds of destruction were sowed and allowed to grow during his administration.
3) Barney Frank has not taken responsibility for the crash even though he was the House committee chairman that oversaw the housing market, he did not see the biggest economic crash coming since the Great Depression until it hit him in the face.
4) Chris Dodd has not taken responsibility for the crash even though he was the Senate committee chairman that oversaw the housing market, he did not see the biggest economic crash coming since the Great Depression until it hit him in the face.
5) Henry Paulson has not taken responsibility for the crash even though as Treasury secretary he also did not see the biggest economic crash coming since the Great Depression and when it did hit, he reacted slowly with no apparent strategy for determining which Wall Street firms were to live and which were to die.
6) Bill Clinton has not taken responsibility for the crash even though as President he signed laws that separated commercial banking from investment banking, creating the behavior that led to the crash along with legislation that exempted the dangerous derivative financial products from regulation.
7) Christopher Cox has not taken responsibility for the crash even though as former head of the Securities and Exchange Commission his organization watched on the sidelines as the banking system almost collapsed completely due to shady and risky financial dealings.
8) Richard Fuld has not taken responsibility for the crash even though as CEO of defunct Lehman Brothers Fuld allowed his company get so deeply into risky subprime instruments that its demise was the biggest bankruptcy in U.S. history.
9) Raymond McDaniel has not taken responsibility for the crash even though his company, Moody's, incorrectly or falsely rated the subprime financial instruments as financially sound.
10) Angelo Mozilo has not taken responsibility for the crash even though as CEO of Countrywide Mortgage his company apparently never met a mortgage customer, no matter how uncreditworthy, that his company would not accept.
11) Franklin Raines has not taken responsibility for the crash even though as head of Fannie Mae his big investments in subprime mortgage securities led to a massive taxpayer bailout.
12) David Lereah has not taken responsibility for the crash even though as a former economist of the National Association of Realtors, he never saw the housing collapse coming and his book, "Why The Real Estate Boom Will Not Bust" was published just as the real estate boom went bust.
13) Robert Rubin has not taken responsibility for the crash even though as Citigroup Chairman he claimed he was ignorant of the risks that nearly destroyed one of the biggest banks in the world, indicating he was either a very lousy executive by not knowing how much at risk his company was at or a very lazy executive who never took the time to understand how much at risk his company was at.
14) Charles Prince has not taken responsibility for the crash even though as Citigroup CEO he was just as lousy or lazy as Rubin.
15) The Democrats in Congress have not taken responsibility for the crash even though they ran all of the Congressional committees responsible for the overseeing the housing and banking sectors of the economy and consistently rejected dozens of calls by the Bush administration to put stronger oversight onto Fannie Mae and Freddie Mac. They also rejected a request from John McCain in 2005 to rein in the dangerous lending and security practices of Fannie and Freddie. One reason for this resistance was that these two quasi-government organizations were large campaign contributors to Democratic Senators Dodd, Obama, and Kerry.

So all of these important people were involved (the chickens) in the financial disaster but none of them have committed (the pigs) to taking responsibility for the results, it wasn't their fault. If it was not their fault, then whose fault was it? This was obviously a big deal since the stock markets suffered extensive setbacks, unemployment is nowhere close to recovering, the Federal deficit has skyrocketed in part due to the large bank bailouts, and the housing market is still in the dump. But no one is responsible. In the above list, no one went to jail, no one paid a large fine, no one went bankrupt, many did not lose their jobs, and no one has an answer of why it went so wrong and why no one in a position to acted to avert or at least mitigate the outcome.

Thus, the first conclusion I draw is that this is just another instance of where the government and the people that are currently running it are not effective and the programs they are responsible for do not work. We need to do a ground up housecleaning of the people/politicians and the processes that are no longer effective in running this country.

The second conclusion I draw from he article is a little more subtle. As I look at the politicians running the hearings looking into the the causes for the economic crisis and include the list of people from above, I see that almost all of them are older white males. There are no females involved, very few younger people involved, and Franklin Raines is the only African-American who is prominent in the discussion of fault.

Could it be that this group of politicians and business leaders are not diverse enough to see a crisis developing or are too cozy with each other to want to do anything to avert these kinds of disasters? This brings us to Step 45 in "Love My Country, Loathe My Government," a step we have not talked about often in this blog. This step would require the political class to obey and heed all laws in effect that work to guarantee equal opportunity relative to race and sex. Maybe if we had a little more diversity, fresh blood, and fresh ideas involved in the process of running the country we might get some better results. Heaven knows that the current club of people running the country, both in and out of government, may be stuck in a group think mode, making them incapable of foreseeing the future disasters. Said another way, we need more committed pigs and less involved chickens running the country.

Saturday, August 4, 2012

Payday Loan Online Fast Cash Loans Western Union Article

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There is no credit verification when you request a payday loan so even if you have an inadequate credit history you can still qualify without any problems, and once you have proven your credibility with the loan company they will commonly permit you to borrow a larger amount than is usually promising to new borrowers.

Most payday loan lenders operate as small stores or franchises. Some large financial companies provide loans that are a variation of the payday advance concept. For example, there are some mainstream banks that offer a direct deposit advance for customers whose paychecks are deposited electronically. Income tax preparation firms also partner with lenders to offer refund anticipation loans to tax filers.

Low-cost payday loans are a significant way of getting extra money to cover unforeseen expenses. If you need cash urgently, and you're considering several options to get it, a payday loan company provides you with ultimate service. The key to getting rid of high fees and keeping the loans economical involves borrowing small amounts of money and more importantly repaying on time. If you are not aware about online options, it is advisable to get accustomed with it, as they give you a much lower cost payday loan as compared to traditional lenders.

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In today's 21st century economy people spend more than what they have in their pockets. Thus, a Payday Loan has acquired a place of extreme importance. Voluntarily or involuntarily many people spend whole amount of their salaries before their next payday. This can happen because of a variety of reasons. For instance, if there is any contingency it might become mandatory for us to spend whatever we have, and we may still require more money to meet our daily expenses, to pay our monthly bills or the monthly installments of our loans. In this situation, we may opt for a payday loan. A payday loan may help us to avoid falling behind in our commitments, and to maintain our credit score and credit rating.

Many people use the overdraft facility of their bank accounts to give them a bit of leeway when funds are short, but in today's world many people are permanently overdrawn and near their limits, so this may not be an option.

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Payday loan companies were completely unheard of fifteen years ago. They have since sprouted like parasites in low- to medium-income neighborhoods all across Canada. Though many payday loan companies file motions that they cannot be tried in Canadian courts because their parent company is American, McNally's victory against Instaloan proves that Canada does have the ability to enforce its usury laws.

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Wednesday, August 1, 2012

Payday Cash Loan Expert: Personal Interview with Ryan Phillips of Relief, LLC

In today's tough economy where a lot of people are in need of financial assistance and too many predators take advantage of their desperation, it is nice to know there are businesses that can offer assistance.

Payday loans have become a billion industry where over 23,000 lenders trying to foster the idea that they are helping out cash-strapped borrowers by offering a payday cash loan when in fact the help really comes from people like Ryan Phillips of Relief, LLC, debt solution specialists who know the ins and outs of settlement laws and negotiations and work with lenders on behalf of borrowers to stop harassing phone calls and get a fair and equitable settlement.

I caught up with Ryan at his offices in Sherman Oaks, a suburb of Los Angeles, and here's what he had to say about payday loans and Relief, LLC.

DH: What is a payday cash loan?

RP: Payday Cash Loans are basically short term, high interest loans. They are usually obtained from either a walk-in storefront or from a company on the internet. Most people get these high interest loans when they need help tiding them over to their next payday.

DH: Aren't they a good thing in today's economy?

RP: This is a difficult question. I believe there is a legitimate use for payday cash loans if used responsibly. For example, if someone needs money to temporarily hold them over until their next payday and they are 100 percent sure they will pay the loan in full at that time, using this service would be less expensive than bouncing a check or an automated payment.

However, too often when the paycheck comes, people would rather pay only the interest and keep the rest of the money. Before they know it, weeks, even months have gone by and all they've paid is interest payment after interest payment. The problem is that payday lenders bank on the fact that most people won't pay the loan off quickly. I think this plus the lack of regulation in the industry, especially with internet lenders, means that people are often given loans they should not be given.

We see clients that have 15 or 20 payday cash loans totaling over ,000. We see people who spend almost their entire paycheck just on interest fees to payday lenders. Obviously this can only go on for so long before the person needs to declare bankruptcy. So without some type of regulation to ensure that people do not get in over their heads then this type of behavior by payday lenders will likely continue to contribute to the current crisis of giving out too much credit.

DH: What would you recommend instead?

RP: I would say try borrowing money from family or friends, if possible. I know this can be emotionally difficult, but friends and family won't get you further in the hole.

For those who don't have friends or family they feel they can ask, maybe their employer can give them an advance. It is in the employer's best interest because financial worries can cause stress both at home and on the job.

The most important thing is to be really honest with yourself about how much you owe and when you can pay the loan back -- then weigh your options.

DH: What can borrowers do if they get caught in the payday cash loan cycle of debt?

RP: That is exactly why Relief, LLC was created. We wanted to help educate people and to be an advocate on their behalf when they find themselves caught in this trap of getting one payday cash loan after another in an effort to pay each previous loan off. At Relief, LLC we get into serious negotiations with payday lenders to give the borrower a little breathing room and to give them some time to get their loans paid off. When and where possible we also get them a settlement on the loan to save them money.

DH: Can't borrowers just end the cycle on their own?

RP: Of course, but it is very stressful to try and deal with professional collectors, especially the payday lenders who have structured their companies to be tough with people who don't pay.

And think about it. The borrower is already stressed about not having the money to pay and now they have to deal with the frustration and muster the energy to haggle and negotiate with collectors; collectors who are trained to find any angle to bully, push and work the borrower until they feel they would be better off finding a way to pay just so they don't have to talk to the collector again. Now consider that the borrower probably has five or ten of these loans. It makes it very difficult.

DH: So how are the services of Relief, LLC different from other payday loan consolidation companies?

RP: Exceptional customer service. We truly care about our clients and want to help them out of their financial stress.

If our clients are being harassed by a payday lender we respond immediately to get collection tactics stopped. Plus we have an excellent track record of getting payday lenders paid off quickly. A lot of other companies don't even pay the lenders until the end of a client's program which can be 6, 9 or 12 months long. This can make things very stressful for the client in the meantime. And we've been told we offer some of the lowest rates compared to our competitors.
For all these reasons our reputation as honest, caring and professional experts in getting payday cash loans resolved continues to grow.

A Home Loan With Bad Credit Is Possible, Especially Your Pitch Is Strong

Normally, a low credit score is seen as a sure sign that applications for a mortgage or home loan will fail. But the truth is that is it possible to get a home loan with bad credit hanging over the head of the applicant.

It does seem to be rather illogical that anyone would lend hundreds of thousands of dollars to a person that is unreliable in repaying their debt, but there are reasons why bad credit home loans exist. Not least is that fact that lenders understand the realities of the economic situation for so many people. Not everyone with low credit scores are irresponsible with their money.

There are, of course, conditions and terms that can make a mortgage unrealistic to many of us, but there is no reason why home loan approval despite bad credit should be unattainable. For any applicant, once the basic criteria are met and the application stands against sound reasoning, the home loan can get the green light.

Three Key Areas to Consider

For any application, there are three key areas that need to be carefully considered before even filling out an application form. These areas are hugely important when seeking a home loan with bad credit, and include the size of the down payment, the provision of a realistic budget and approaching the right lender.

The Down Payment

This is a hugely influential aspect of any application. If the down payment being made on a property is small, then the size of the bad credit home loan is bigger; alternatively, if the down payment is large, then the required loan amount is less. Logically, therefore, the home loan repayments will be more manageable if the loan is smaller.

However, there is another factor that lenders look at when considering home loan approval despite bad credit. A down payment is a large lump sum, and the applicant will likely have saved in order to get it together. Saving ,000 requires financial discipline, which is exactly the type for trait lenders like to see in their borrowers.

A Realistic Budget

There is no point in seeking a home loan with bad credit if the property is outside your financial reach. Someone who earns ,000 per year is not going to be able to afford the repayments on a million home. Approaching a lender on these terms is almost certainly going to end with disappointment.

It is essential that the math is completed before an application is made, even before a home is chosen. Take a careful look at your excess income and how much of it can realistically be dedicated to repaying a bad credit home loan. Lenders apply a debt-to-income ratio to applications, whereby a 40:60 ratio is considered the limit, if future financial troubles are to be avoided.

This is why an applicant can get a home loan approval despite bad credit while another with a good credit rating might be rejected.

The Right Lender

There is a vast array of lenders in the market, offering better deals for home loans with bad credit than your local bank. Shopping around can result in finding one offering a bad credit home loan that suits your particular financial situation.

An alternative is to go online and compare the rates and offers of literally thousands of lenders in a few minutes. Many online lenders specialize in bad credit loans, so the chances of getting home loan approval, despite bad credit, is far more likely.

Check out any prospective lenders with the Better Business Bureau before signing up to any home loan with bad credit, but this is a realistic route to securing the mortgage loan needed.