Friday, June 29, 2012

Benefits of Business loans

When beginning a fresh business or company individuals may oftentimes get certain monetary help in the form of small business loans. Some present business people or owners who are interested in beginning a small business are not used with or have never heard of small business loans. Small business loans are credit contract between a borrower and a credit grantor, generally the business personal, in which the borrower contracts to settle the credited sum of cash plus charge. The amount of the credit will differ from lender to lender and also from company to company. There are some good companies that are willing to provide more cash than other.

There are so many benefits to having small business loans. The cash obtained from these credit plans is an additional source that can be utilized in any segment of the business where demanded. These credit plans are generally flexible and with the help of a monetary advisor can be arranged in such a manner that best profits the company or borrower.

Small credit loan programs can be utilized for different of things. The utilization of the amount will be decided by the business personal. Most individuals take out small business loans in order to support the beginning of a company in some manner. Others take out these credit plans when they need to do certain fixation or reconstruction work on the company. In the end, it is the borrower or owner that decides what the cash will be utilized for and essentially it can be utilized on anything that has to perform with market.

Small business loans are not out of drawbacks. The credit plan itself will have to settle back with the charge. This will be stated at the initial borrowing date. Nevertheless, if you are setting a new enterprise and the enterprise doesnt benefit the direction you had planned you might be stuck with a loan installment every month that you cant make. This is the danger you face. Also by taking out a business loan, in the end you will settle twice as much cash as you borrowed because of the truth that you have to settle back the charges also. This is something that you should concern before taking a business loan.

Thursday, June 28, 2012

Size Of Secondary Market In Relation To Size Of Overall Structured Settlement Market

Structured settlements are a small percentage of personal injury settlements

A Towers Perrin study* reported that in 2006 1 billion was paid to injury victims and their attorneys. If one assumes that one third of this amount represents contingency fees, then approximately 5 billion is paid to plaintiffs each year. New structured settlements are created at a rate of approximately -6 billion every year. According to Standard & Poor's**, in 2004 the cost of all outstanding structured settlements was approximately billion and was expected to grow by billion that year. Also according to Standard & Poor's**, as of 2008, there were more than 500,000 structured settlement contracts outstanding in the U.S.

Structured settlement payments offer flexibility for uncertain times and changing circumstances.

The average person does not know much about structured settlement payments. Without an understanding of the benefits of structured settlement payments versus lump sum payouts, most injury victims tend to choose a lump sum payment.

In fact, Joseph M. Costello, Chairperson of the National Structured Settlements Trade Association (NSSTA) Marketing Committee, reported at NSSTA's 2007 Winter Meeting and 2007 Annual Meeting that just 7% of personal injury settlements between ,000 and 0,000 include structured settlements and only 30% of personal injury settlements above million include structured settlements.

An AIG study*** conducted in 2007 shows that the less a person knows about structured settlements, the less likely he or she will choose a structured settlement. And, more importantly, the opposite holds true: the more a person knows about structured settlements, the more likely he or she will select a structured settlement instead of a cash payment.

In the study, AIG asked people how they would prefer to receive a settlement. With no explanation of the difference between a lump sum payment and a structured settlement annuity, 65% chose a lump sum and 35% chose a structured settlement. But after receiving explanations of the differences between a lump sum and a structured settlement, 73% chose the structured settlement annuity payments and only 27% chose the lump sum payout, a complete switch.

At the end of the survey, AIG concluded that the structured settlement industry needs to educate Americans about structured settlements.

Once they learned about the benefits of structured settlements, plaintiffs said that a primary reason that they would choose a structured settlement annuity is because it provides a reliable income for monthly expenses and guarantees financial independence. What may not be as clear to plaintiffs nowadays are the many options and the flexibility that a structured settlement offers.

Once a person receives the cash from the lump sum payment, he or she cannot simply change his or her mind and switch to a structured settlement payment. However, if an injured person chooses a structured settlement payment, he or she has the option at a later date to sell all or part of the settlement in the secondary market, for immediate cash, while still retaining a portion of the income stream.

Section 5891 of the Internal Revenue Code and the Structured Settlement Protection Acts at the state level give payees the option, with court approval, to transfer structured settlement payments from themselves to factoring companies who buy structured settlement payments. Given the flexibility offered by the buying and selling on the secondary market, structured settlement payments may be a better option for those people who are uncertain about whether to choose a structured settlement or a lump sum payment.

Very few people actually sell structured settlement payments

Out of the total outstanding amount of money currently held in structured settlement annuities more than billion less than 0 million is transferred on the secondary market each year. That means that only about 1% of structured settlement payments are sold each year.

Only about 1% of structured settlements are sold or traded in the marketplace.

Not a lot of people sell their structured settlement annuity payments. In fact, 99% of people do not sell structured settlement payments. Those who do choose to sell structured settlement payments typically do so because their circumstances have changed, and they need the cash for a specific reason (medical procedure, debt reduction, education, etc.). The cash is used as an escape valve, to help people reduce some of life's pressures so they can deal with a problem or an opportunity.

Life is full of changes: why should a structured settlement be forever?

Most homeowners buy houses using 30-year mortgages only to refinance many years before the end of the mortgage term. Consumers sign up for long term life insurance life insurance policies which are intended to be in force for extended periods of time. But then they stop paying the premium and let their coverage lapse. Why ? Because their lives change, their circumstances change. Maybe they can no longer afford the premiums, or maybe they can get better coverage elsewhere. The point is that, at the outset, the initial long term commitment made perfect sense, and then as life moved on, a change made more sense. Each year between 3.5% and 7% of all life policies are allowed to lapse by the insured person****.

Circumstances change. Lives change. A person who received a structured settlement as compensation for an injury may want to enroll in college or job training and may decide selling structured settlement payments for cash now is the best way to pay for his or her education. Or an annuitant who received a structured settlement as the result of an injury may have the opportunity to buy or renovate a house to better suit his or her way of life. Selling a structured settlement for a lump sum of cash may be a prudent way to cover the down payment on a house, pay off a mortgage, pay off taxes or to pay off credit card debt.

Even the insurance companies who issue structured settlement annuities recognize that there needs to be an escape valve. Most insurance companies include death commutation riders when they create structured settlement annuities. These riders allow an estate to cash out the deceased person's structured settlement annuityusually in order to pay estate taxes. In addition, two large insurance companies, Symetra Life Insurance Company and Allstate Life Insurance Company, recognize the need for an escape valve in other scenarios and will buy structured settlement annuity payments themselves.

Lawsuit awards are a mechanism by which our justice system tries to compensate victims for their damages. Structured settlements are a tool that helps to customize and maximize an award. A future stream of guaranteed payments is of great financial and emotional value for plaintiffs when they are feeling their weakest and most vulnerable, because it provides stability and comfort at the time that it is needed most, at the time of the injury. However, no one has a crystal ball - life changes and circumstances change, whether it is much needed surgery, a new roof on a family home or job re-training to react to new opportunities. And structured settlement payments can be sold for a lump sum of cash to meet these needs. The ability to access a portion of a structured settlement is a benefit that many industry professionals believe adds to the value and benefit of a structured settlement, allowing it to be utilized to the fullest.

In conclusion

As a society, we get divorced, even though we were not supposed to be parted until death; we re-finance 30 year mortgages decades before they come due; we commit to life insurance policies and then stop paying the premiums all in response to changes in our lives. So, it should not come as a surprise to anyone that recipients of structured settlement payments may need to sell structured settlement payments and cash out part of their payments in order to deal with life's changes, challenges and opportunities.

At the end of the day, if 1% of structured settlement payees sell structured settlement payments in whole or in part, then, for them, the structured settlement is doing what it was set up to do: to provide them with the emotional and financial help when they need it the most. And for the 99% of annuitants who do not sell their structured settlement payments, the structured settlement payments will continue to provide the financial support that was intended at the start.

Tuesday, June 26, 2012

A Timeline Of The Process Of Filing Chapter 7 Bankruptcy

After meeting with your credit counsellor and going over all the available financial solutions to your problems, you decide you want to go ahead with filing chapter 7 bankruptcy. What happens from here? Do you have to go to the bankruptcy court? When are you going to get your discharge? What forms do you have to fill out? How long will this process take? In this article, we summarize the basic steps that you will go through after making your decision of filing chapter 7 bankruptcy.
Note: Every bankruptcy case is unique and requires different legal decision making so use these steps as a general guide and refer to your bankruptcy lawyer for specific information.

1) Provide Complete Information to your Bankruptcy Lawyer

Once you have chosen a lawyer who will represent your bankruptcy case, you will need to provide documentation regarding all of your debts, your current net worth (requires showing your bank account information) and all of your liabilities including alimony payments you are making, car payments, other loans and mortgage information. You will also be required to show your income from all sources for the past 6 months.

2) Attend Credit Counselling sessions

You will be required to attend at least 2 credit counselling sessions because it is a requirement of the chapter 7 bankruptcy process. The purpose of these classes is to teach you to be financially responsible and to live within your means so you do not end up in this same bankruptcy mess again. Topics you will learn about include financial budgeting, money management, financial literacy, housing costs maintenance (if you own a home), manage debt, use credit cards responsibly, etc.

3) Review Petition and Sign Forms

A bankruptcy petition is filed with the US bankruptcy court and initiates your bankruptcy case for processing, and for ultimate discharge. In other words, a bankruptcy petition is a request for seeking protection from the US bankruptcy laws and is submitted to the court. Before submission though, you must meet your bankruptcy lawyer a second time and finalize all details.

4) Bankruptcy Petition is Filed and Case # is Provided

After a week of your confirmation with your lawyer, the bankruptcy petition will be filed with the courts and you will receive a case number. Once you have a case number, you will be asked to attend a 2nd credit counselling & financial education session. This must be done prior to your first bankruptcy court hearing.

5) Automatic Stay goes in to Effect

After your case number is provided, an automatic bankruptcy stay goes in to effect. This automatic stay prohibits creditors and collection agencies from contacting you or taking any legal action against you, except for certain secured debts. In fact, creditors are not even permitted to call you at this point.

6) Notice from Bankruptcy Court

After your bankruptcy petition has been filed with the court, you will receive a notice of hearing within 30 days.

7) Hearing at the Bankruptcy Court

You will need to attend a court hearing where the bankruptcy trustee will ask you a series of questions regarding your case. It is the lawyer's job to prepare you for this interview and make sure you have answers ready to give to the trustee. From past experience, most bankruptcy court hearings are 10 minutes or less.

8) Reaffirming your Debts and Keeping Property

Whilst in your interview with the bankruptcy trustee, if there are any debts that you would like to reaffirm' meaning you would like to keep the property that is secured against those debts, you will need to inform this to the trustee and sign a reaffirmation agreement.' This therefore means you will have to sign a repayment schedule with that creditor and you will usually be offered a low interest rate if it is your loan or car payment.

9) Bankruptcy Discharge

Two months after your court hearing, you will receive a notice of bankruptcy discharge from the US bankruptcy court. At this point, your case is over and you are relieved of all the debt that was claimed in the petition; except those debts that you choose to reaffirm.

There you go, this is a list of steps you should expect to go through while under your chapter 7 bankruptcy. Please note that each bankruptcy case is unique and you may be required to go through additional steps if your case is more complicated; talk to your lawyer on your specifics.

Monday, June 25, 2012

Real Estate and Global Warming Facts

The number 1 area that will see a huge increase in real estate value due to global warming

Adam: Hi, This is Adam, here with Steve Soreno, author of the Global Warming Survival Bible.
We've covered a lot about safety and survival. Are there positive effects from global warming?

Steve: Yes, definitely. Anything bad has a silver lining. In the case of global warming, that silver lining can be substantial. As an example out of the multitude of possibilities, there will be benefits to the real estate value in some areas of the world, or even areas within some countries or very small specific regions. And I'm saying that because an increased valuation will be caused by two things: for one, some areas will in fact benefit directly from global warming and that will have a positive effect to real estate in these specific areas. Secondly, some areas may not benefit directly but the fact that some neighboring regions will suffer more from global warming will make these places be perceived as an increased value. Broad examples of places that will benefit from global warming are: parts of Canada, Norway, Sweden and other places as well.

Adam: Do you have an example?

Steve: Sure, as an example, Northern parts of some of the Canadian provinces will see increases in real estate value of 4-5-6 hundred percent in the next 10-20-30 years because these places will have a huge influx of people in the coming years. And that will happen because a lot of people from all over the world will want to escape drastic climate changes in their own countries and will migrate to Canada. Why they'll want to migrate there? As an example northern Ontario has more lakes and fresh water than any other place in the world, its northern parts will warm up to become good for agriculture, and it has plenty of uninhabited space that is extremely affordable now.

And this is just an example, but there will be other positive effects from global warming that people can make the most of. However, as with anything else, timing is crucial.

Adam: Awesome stuff, Steve. If you'd like to learn more about what you can do to prepare for future changes visit You can also get the rest of the videos in the series plus two chapters from Steve's international book release.

Yamaha R15 The Real Sports Bike

Yamaha is one of the biggest names in the two-wheeler automotive sector which has got its unique tradition of high-class bikes. It's every piece is the complete package of resourceful and influential features and strong support of cutting edge technology and stunning looks. In this renowned chain, Yamaha R15 is the bold and spanking new family name which has got up-gradation of efficient and powerful attributes with aggressive and spectacular sporty body. This sports bike comes out with implausible appealing dimension of 1995x670x1070mm and masculine weight of 131kgs that makes it factual destination for all passionate youngsters. It's rolled out in two royal colors Yamaha Blue and Graphite.

It has dominant installation Liquid-cooled, 4-strock, single cylinder engine which is enough capable to deliver a peak power 17bhp @8500rpm and the maximum torque of 15Nm @ 7500rpm. This disciplined bike offers you top speed of 135kph and fuel consumption of 32/ltr in city and 43.00/ltr on highway. Yamaha R15 has fine ground clearance of 160 which is enough capable to protect your bike from redundant scratching and provide muscular stability. This rough and tough bike has got the meaningful support of six manual gears, displacement of 149.8cc, wet plate clutch, 58.7 strokes, 57 bore and 4 valves per cylinder which collectively contribute in enhancing the efficiency and power of the bike. Along with this, Yamaha R15 has got the light-weight Deltabox frame which provides accurate balance of potency and rigidity that ultimately results in better handling and performance of bike.

Yamaha R15 has significant and courageous outfitting of alloy wheels which give far-fetched stability and practical ride even on pitted roads. For safety Yamaha R15 has installation of Telescopic front suspension, Linked type rear suspension, 240mm front disc brakes and commanding Hydraulic single rear disc brakes. These effective and impulsive safety features not only provide you secured and stress free drive but also make it exceptional and leading piece in the market. It has brilliant and bright headlight and refined wheelbase of 1290 which adds extra glamour in the overall profile of the bike. With Yamaha R15 you will find digital fuel gauge, analogue tachometer, digital-2 trip-meter, digital speedometer and great list of number of useful features. In conclusion, Yamaha R15 offers you unbelievable and unmatched experience of swift and fabulous adventure of ride.

Sunday, June 24, 2012

How Money Laundering Is Being Stopped By AML Compliance

Money laundering is a serious offense. Just how law enforcement is better able to combat money laundering is through the assistance of banks and financial institutions. Keeping track of certain monetary transactions is the responsibility of these financial institutions under the current laws. Those who are required to follow these laws will need to have an Anti-Money Laundering or AML Compliance Program in place to ensure the record keeping requirements are done appropriately.

The image developed by the term money laundering is pretty straightforward. It is the process of turning "dirty money" into "clean money". Dirty money is obtained from criminal activity like drug trafficking, terrorist activities or other crimes. Furthering this criminal activity, dirty money is incorporated into the legal financial system. Three steps are needed with basic money washing. Legal banking institutions first obtain this illegal money confidentially. Placement is the term for this procedure. Shifting the money around is the second step, where difficult to trace wire transfers move the money from place to place. This step is called layering. The third and final step is moving the money through the various banks until it is what they refer to as clean. This last part is known as integration.

Although it is impossible to figure out exactly how much of the global economy is involved in money laundering, some organizations have estimated that it is somewhere between two to five percent. Likely somewhere in the billions is the amount of US money that could be a part of this laundering. With this substantial threat to legitimate monetary transactions, governments have sought to criminalize money laundering and to discover it so that those responsible can be charged.

The Bank Secrecy Act or the BSA was put into law by Congress in 1970 in order to combat this illegal activity. The BSA set up certain specifications for recording keeping of money and the reporting of certain transactions by banks, financial institutions as well as private individuals like brokers. Under the Bank Secrecy Act, those subject to the law are required to report cash transactions which are over ,000 though a Currency Transaction Report and to keep a paper trail of such financial transactions. Anyone participating in such large transactions must also be identified by the banking institutions.

The Financial Industry Regulatory Authority or FINRA, in order to put into action such requirements has established a specific guideline that all banks and financial institutions create what is called an ALM compliance program. FINRA Rule 3310 requires that member institutions establish a compliance program that can detect and report the transactions required under the Bank Secrecy Act, that has sufficient internal procedures and controls to ensure compliance, to provide compliance testing on an annual basis by an outside third party, to designate and identify to FINRA the people who are responsible for the compliance program, and to provide the appropriate employees with ongoing training to ensure compliance.

Besides being required by law, those subject to the Bank Secrecy Act must abide by or their professional reputation would be in jeopardy. AML compliance can seem daunting at first but there are a number of resources available to help those that need to comply to implement programs that are sufficient under applicable laws and regulations. Talking to a professional who can determine whether or not your required to comply to such laws will be a great help and the expert is also able to help set up such compliance applications on your behalf.

Understanding Momentum Investing and Trend Following

Two popular terms which often confuse investors are "trend following" and "momentum investing." Perhaps the most glaring commonality between these two is their blatant defiance of "buy and hold," the practice of selecting an investment and holding it indefinitely, believing that over time the market goes up, and therefore any investment will appreciate. Although the buy and hold approach has been touted for years by academics as the best method of investing, in reality it has its shortcomings, which are apparent in every Bear market.

Despite being the antithesis of buy and hold, both momentum investing and trend following strategies are predicated upon a disciplined investment approach that's designed to buy when the price of an issue is increasing and sell when the price is declining. Additionally, an exit strategy is normally incorporated to override the human tendency to hold losing positions much too long. Yet despite the distinct characteristics that these two terms share, in reality they are quite different.

What is Trend Following?

Trend following, in its most basic definition, is a systematic investment approach predicated upon buying and selling securities based on the sustained price movement of the issue. It's important to point out that trend followers don't predict the future price movement of a stock; rather they examine the issue using technical analysis to determine which direction, if any, the equity is currently moving. If a bullish trend is emerging, the trend follower will likely buy a position in the stock and hold it until the trend begins to weaken or change direction. If the equity exhibits a bearish trend, the trend follower can short the position, wait until the trend reverses, or merely find another issue.

But there's much more to being a successful trend follower than just selecting and buying securities. In fact, it can be argued that the most important aspect of trend following isn't when and what to buy, but rather when and what to sell! Often times, successful trend followers establish a "sell rule" that must be violated prior to selling the issue. These sell rules vary depending on the risk tolerance of each investor, but they typically consist of a trailing stop loss coupled with a confirming indicator. The overarching benefit of sell rules is that they provide a disciplined, mechanical methodology which the average investor should seriously consider implementing into his investment philosophy.

What is Momentum Investing?

Momentum investors are constantly searching for companies that are moving faster than the market. They believe substantial returns can be realized if they find, buy and hold onto those issues for as long as the price continues to go up. The old axiom, "if it isn't broken, don't fix it" illustrates the shared philosophy of momentum investors; those companies with the biggest price changes over the last few months are more likely to continue making substantial gains.
Fundamental analysis plays a much bigger role in momentum investing than it does in trend following. Momentum investors believe that buried within a company's earnings statement is the reason why the price has been increasing so dramatically. And if that underlying reason is uncovered, the opportunity presents itself to capitalize on that knowledge in the future.

In the case of trend following, investors want to identify where a security may be within the performance cycle. For example, how close to the 52-week high or low is the current market price and what is the short-term direction of the issue? For the momentum investor, the key criteria may be the relative strength of the security versus the market or more importantly the peer group of the particular security in question.

How to Develop a Successful Investment Strategy

Investors often ask why go through all the effort of actively managing a portfolio. The simple answer lies in the proven behaviors of economic cycles and sector rotation. Independent studies have proven that over time the largest percentage of a securities' price appreciation is driven by the industrial group within which the company is classified and not the performance of the individual company itself.

However, the real reason why investors should actively manage their portfolios is a concept called the "Time Value of Money," also known as "Compounding Rate of Growth." Many financial professionals will use the example of how a penny, if doubled every day, is worth over million after only 30 days. A very impressive and eye opening number given the small amount of initial capital outlay. What would happen if instead of doubling the penny every day, it were to grow by only 75%? The investment would be worth slightly over 5,000 rather than .7 million. Reducing the growth rate further to 50% and the end value is now ,917.51. A 25% growth rate for 30 days produces a value of only .08.

How does the concept of compounding growth translate into the selection of an investment strategy? Investors who actively manage their portfolios, either through trend following or momentum investing, have the ability to take modest gains and re-invest the profit in other trending securities over and over again. Buy and hold investors are not awarded this luxury since they rarely sell when the price is at the top. Rather, they buy a position when the price is low, ride the position all the way up in a bull market, and then watch as is loses value in a bear market. It's a very frustrating strategy, equally hard on the stomach as it is on the wallet.

Both strategies, trend following and momentum investing, demand a certain level of self-discipline in order to be successful. A portfolio risk-management system that uses the current market price and equity level of a position and some form of market volatility measurement is recommended. An example of such a system could be a proprietary market model focused on technical indicators, back tested over time, coupled with a volatility indicator. The system might employ either the Average Directional Movement Index (ADX/R), the CBOE Volatility Index (VIX) or the more traditional Advance Decline Line, Breadth or Volume indicators.

Taking Portfolio Risk Management Systems One Step Further

One noted management system authored by William O'Neil is CANSLIM. The CANSLIM approach combines both fundamental and technical analysis much like the Core Equity Portfolio available at QMA Investment Management, LLC. The weakness in the CANSLIM approach, along with many other similar systems, is that they stop short of providing a truly utilitarian system for the investor. The user ends up with a list of stocks, all of whom have meet the systems criteria, but no method for distinguishing between the good, the better and the best.

To address this problem, Alpha Advisor Service, LLC created the AAS Rating Score. This number is a time-weighted risk-adjusted alpha value used to rank each of the 1700 investments analyzed daily by AAS. The purpose of the AAS Rating Score is to create a level field to measure all investment alternatives. The highest AAS rated securities provide the greatest risk-adjusted return compared to the lowest rated securities. This approach is superior to other forms of alpha analysis since it is time-weighted, thereby identifying those stocks or funds that are providing greater returns for the risk taken. A tool of this caliber, which is available for any investor via the Alpha Advisor Service Newsletter, provides the means of not only developing a customized portfolio risk-management system, but also a disciplined method of buying and selling the securities within the portfolio.

Friday, June 22, 2012

Are Bad Credit Mobile Home Loans Easier than Getting Regular Home Loans

When you have bad credit and you need to find bad credit mobile home loans, then you need to know how easy it really is. If you were to take your bad credit to a bank or a mortgage lender, then you would struggle to find what you are looking for, but with a mobile home loan you can probably get one regardless of your credit.

This is simply because when you have bad credit more lenders do not want to sell you a house due to the large payment, but a mobile home comes with a much smaller and more manageable payment. Plus there are many different options that you can use to get the bad credit mobile home loans you are after.

How to Get Bad Credit Mobile Home Loans

Do you have bad credit? You are not alone and this should not stop you from getting the mobile home loan that you need. Even though most lenders would prefer to work with someone with good and established credit there are still a handful of lenders that will do bad credit mobile home loans.

When you first start your search for a mobile home loan you should ask the lender what type of credit score they require. It can be difficult to find a lender that will give a mobile home loan to someone with less than a 600 credit score, but there are a few that will work with you for a higher interest rate and possibly a larger down payment. By paying more down you will be reducing the amount you pay monthly anyway so it will work in your favor when it is all said and done.

You can try to get a bad credit loan through a home equity loan if possible. The lender will be looking at three main things: your credit, your income, and the collateral, or in this case your mobile home. They want to make sure you have enough income to cover the monthly payments and they also want to make sure that if you cannot pay they can get the money you owe from your collateral. By putting up the mobile home as equity you will be giving the lender more security, which will make it easier for you to get the loan that you desire.

If you have had a bankruptcy or have serious delinquencies on your credit, then you will most likely be falling into the bad credit category. This makes it more difficult to get the loan you need, but it is not impossible. This category may also include those that do not have a good source of income or are on a tight fixed income as well. There are programs that lenders use especially for these people, which are called subprime loans. These types of loans have higher interest rates and are given against the property itself.

The worse the economy becomes the more chances that lenders are willing to work with you regardless of your credit. Bad credit mobile home loans are starting to become the lenders normal loan and it is becoming much easier to get these loans for the borrowers as well.

A Final Note About Bad Credit Mobile Home Loans

Since you may be looking for a refinance loan for your mobile home or you may just be looking to purchase one you need to try all your different options. There are many lenders that will work with your bad credit and there are many lenders that specifically cater to doing bad credit mobile home loans.

You just need to take your time, compare a few different options, and find the right lender for you. It is necessary for you to get the loan you need and if you cannot find what you are looking for you should try comparing a few online lenders. This is a great way to find one of the many bad credit mobile home loans that you need.

Wednesday, June 20, 2012

The Top Notch Real Estate Companies India

The booming property market of India proves the rapid growth of the real estate companies India. The realty companies of India are involved in varied activities ranging from infrastructure development, residential complex, commercial real estate to retail space development.

The favorable government policies are one of the major reasons behind the growing real estate companies India. The government approves of 100 % FDI encouraging people from all across the globe to invest in India. Let us take a look at few of the major real estate companies.

Major Real Estate Companies India

Ambuja Realty Group The company is a joint venture organization between Ambuja Housing and Urban Infrastructure Company Limited and West Bengal Housing Board. The objective of the company is to develop affordable homes with strong base and close nature.

DLF The developer is considered to the be biggest builders of India. The first project developed by the company was on the very heart of Delhi. It is a trend setter in the industry. Much of the credit for changing Gurgaon urban landscape goes to DLF.

Sun City Projects It is one of the leading companies in India. The company has till date involved into variety of projects ranging from group housing to townships to luxury apartments, shopping malls, complexes for office to amusement parks.

Merlin Group For the past three decades the company is active in the real estate sector. The builder has successfully developed townships, office buildings, shopping malls, clubs and office buildings in many cities like Kolkata, Ahmedabad and many such.

Mittal Builders The company has been into the real estate industry for the past 5 years. Unlike its counterparts, the main agenda of the company is to develop real estates. It has successfully carried out its development activities in cities like Mumbai, Bangalore, Pune, Secunderabad, Nagpur and many others.

K Raheja Constructions The construction company ranks among top 10 realtors of India. It was honored with Best Construction & Real Estate Sector Implementation. Raheja has built many projects in cities like NCR, Mumbai, Pune, Chennai, Bangalore and many such.

There are numerous other real estate companies India that are coming up with innovative commercial and residential projects, changing our very form of living.

Tuesday, June 19, 2012

The Top 10 Small Business Web Design Mistakes and How to Avoid Them

You're probably aware that Google gets over 600,000 daily searches for local services and that's likely leaving you wondering, "Where the heck are yours?" And if you're like most small business owners, you probably currently have a website but aren't satisfied with those traffic and leads generated. You might know you need to do something to increase you internet presence and reach more clients online and you're just trying to get from point A where you have little traffic and even less leads and create a simple-to-use site that Google and people love.
But it's not that simple, is it? Well today, we're going to make it a little bit easier and show you the top 10 small business web design mistakes and again how to avoid them.
The first one is hiring a web designer. The art and science of online marketing are very different when we look at aesthetics versus functionality and when you hire a web designer, search and usability are often lacking.
That just means that you can end up with a nice-looking hotel in the middle of the desert. By that, I mean most designers that go to design school and have that type of background are very good at aesthetics and looks and creativity but not so much in the science of finding the right keywords and doing the right things to make your sites search engine-friendly and ultimately a valuable tool for lead generation.
The second mistake is not implementing SEO basics and by that, we mean page titles which is using the most popular keywords on the title of every page on your site, ensuring that you incorporate those keywords and important places on your site meaning your articles, blogs, your service pages and everywhere in your site where you want to attract people. You need to use those keywords. And the last thing is just backlinks. Even though that's not a design element per se, I would like to sneak that in there because it's so important to list your business in the right places to get found by your clients.
The third mistake is not using a CMS or content management system and they're very - a handful of very effective ones being WordPress, Drupal, Joomla, are the most popular and they allow you to easily manage content yourself with little or no technical knowledge.
We only use and recommend WordPress and it's important to have a CMS there folks because lack of ability to access or log into your site is a reason why most small business owners don't have a successful site because they're disconnected from the site.
The fourth mistake that we see a lot is just failing to add content. Again, this ties into not having a friendly site or not seeing that it's important enough or making a priority out of adding content on a regular basis; and the result of this is that most websites are online brochures, just static, boring text information about you instead of about the needs of your clients. And we believe you should blog at lease once a week and you should address the needs of your audience, not yourself. Contrary to popular belief, outsourcing is better than not publishing at all because if the result is that you have four new blog posts a month that aren't ideal, at least if they're high quality, you're adding content that's going to attract search engines and people to your site which is the whole point. So doing this bears huge traffic and reputation benefits and it's important to add content frequently.
The fifth mistake we see is omitting local address information and what we mean by that is Google Places and other directories validate this. They look at your website and they try to match your online listings with your site itself to see if you're legitimate and you have to have your physical location and address entered the right way in your site and it should match those other searches, other sites where people are doing searches rather.
A lot of people don't know this but mobile search use is growing over 400 percent each year. So if you can imagine how important it is considering that you're a local business to show up when people are doing local mobile searches, you have to have that local information on your site. Doing this also builds trust and confidence with clients. They feel more comfortable if you're seen as a person of authority and you have local information everywhere on your site. The last thing you need to do is just make sure you list your address on the header or footer of every page; not just on your Contact Us page but list out local information on every page.
The sixth mistake we see is forgetting a strong call to action. So, this tells visitors what the next step is and how. So in a lot of sites, you will see a lot of great information but then a visitor just leaves and they go to another site when they finally make a purchase or engage a doctor or lawyer or dentist like yourself because you were not providing a clear path in telling them what to do next. You need to make it easy for clients to contact you.
So by using lead forms in multiple places on every page and even a traffic magnet like an ebook, a video or tip sheet, you're really making it easy to contact you. A lot of clients don't feel comfortable using contact forms or large phone numbers but you have to do that because if you think about your website as a filter and you're getting probably several thousand - for the average small business owner, 12,000, 15,000, 20,000 visitors a year coming to your site and it's all about how many of those are sticking and actually contacting you and becoming leads.
So if you do something like write an ebook or a quick video or even a tip sheet that they have to enter their name, phone number or email address to download, you're going to have a lot better results by using a traffic magnet.
Number seven is failing to engage clients. So really what this boils down to is that text is dead. Online attention span of people is about 15 seconds and we like to say at that a picture is worth a thousand words but a video is worth a thousand clients. So you can imagine that a video would probably increase a time on website. It usually does but more importantly, it allows clients to get to know you right away.
So instead of looking at some boring text that they're going to glance at and they go to the next provider online, they're going to get to know you and get a feel for your style and see you as a provider of good services and authority in your area. You can almost use the internet as a virtual sales force, qualifying people instead of just have them come to a boring site and leave.
The eighth mistake we see is not tracking the results. Most business owners say they're just too busy to do this, which goes back to the e-myth and the popular (business management) books out there. They will tell you that you're in the business of marketing and selling products and services, not just providing them so you must track your search rankings, how many people are coming to your site, those of your visits and then the leads and clients in order to improve results. And considering that Google Analytics is free and easy to use, there's really not an excuse to not do this because you're probably wasting money each and every week or month by not tracking which of your expenditures are not producing a positive return on investment and cutting those out and it's important to test various methods and eliminate the lame ducks out there. That's the best way to get traction to your marketing is to test everything and throw out the underperformers. OK?
The ninth mistake is missing trust and social icons. So people place great value on reviews and peer validation meaning if you are going to order a pizza or get LASIK surgery or going on vacation at a lodge in Costa Rica, you're probably going to use Yelp!, Facebook and other review sites to evaluate your decisions, so everything from to restaurants to senior care and You're going to use reviews to place - as a form of wading out your potential options. It's really important to use social icons. They also build trust out there and finally with other elements like Better Business Bureau or trade association logos. These things all build trust with your market and show them that you're a trusted authority out there.
And the tenth and final mistake is using vanity domains. So when I say vanity domains, I mean just your name dot com and the truth is that Google and people value keyword-rich domains. So as I said, having a website like would be much more effective than especially if you want a bankruptcy lawyer. So many names are still available. Use dot com and dot net only and it's important to do this because you're going to, again, show people that your website has the content they're looking for. They will get to know your name later. Branding is for large organizations but if your name is not Coca-Cola, you're better off going with a keyword-rich domain.
OK. The last thing I want to cover is questions to ask an online marketing firm. This is really important because now we've established that you have to have a CMS like WordPress. You have to deal with a firm that can help you market your site and design it with an eye for conversion and performance. We need to ask a couple of questions of these firms, prospective firms to see if they're a good fit for you.
The first thing is samples of work in your industry. Ask for references. If I'm a dentist in Chicago, I want to say, "Show me other dentist sites you've done and how they're ranking on Google." So example of client search results, "Dallas Mexican restaurant". As long as I'm not a chiropractor, that should be pretty impressive if a firm can produce those results and show them and demonstrate them to me.
And finally - not finally, but again is the site built on WordPress or some other CMS? It's so important to use a CMS because the next question is, "Can you log in and manage content?" and yourself updating and adding photos or blogs, et cetera.
If you think that someone is just going to design you a site that's going to work magic for you, you're mistaken. You have to have a vested interest and ownership of your marketing and quite frankly, be passionate about it because you're not going to invest the time required to master marketing and part of that is whoever you work with to help design and market your site, "Is there training and support provided?" Is it a one-time deliverable or are you going to establish a relationship with these folks? And if you know how to measure and evaluate return on investment, you should be willing to do that because a website is a living organism that needs to constantly be tweaked and improved and nurtured in order to produce the results that you want. Like anything good in life, it takes work, right?
And finally, are there any ongoing hosting or maintenance fees? That's really something that a lot of - especially dealing with a lot of attorneys, I see a lot of attorneys get burned with really high maintenance fees, 0, 0 or 00 or more dollars just for maintenance which there's no active marketing or advertising going on.
So really ask those questions. Take time to read the agreements and one more thing I wanted to bring up is just that to ask, "Do you own the domain and website properties?" because a lot of website companies have a leasing model because they're just trying to get more residual money out of companies. So they will not only charge you to customize or design a site but they actually own the IP that's associated in the creative assets and actually own your website. So you want to ask those questions.
Hopefully, you found this was helpful and I provided some good information to steer you on the right track on your marketing and hopefully you feel a little bit of relief knowing that if you avoid these top 10 mistakes, you will probably be better off when it comes to designing and maintaining your website. But if you need more info, we can direct you to a couple of resources that basically what we do at Geek-Free Marketing and Ninja Web Designs is we make websites that are friendly for you, obviously for your customers and for search engines. OK?
So search engines, you and your customers all love our sites because we always think about the three legs of the table, three legs that it takes to hold up the table and that is the foundation of a strong marketing platform. So you have to think about all three entities in everything that you do.
If your website isn't friendly for you, you're not going to invest time and use it. Obviously if it's not friendly for your clients, they're going to come there and bounce which means they leave without contacting you, if they ever find you at all; and in order for that to happen, you need to be friendly for search engines. So remember, those are the three legs of the online marketing table that you need to have when it comes to web design.
Feel free to contact us now if you want to learn more about our services. Thank you very much and I appreciate your time and if you want to get pointed in the right direction, Geek-Free Marketing, Attention Video and Ninja Web Designs are our brands.
Geek-Free Marketing provides online marketing, coaching and consulting for small business owners. Attention Video provides killer online videos that engage your audience so we can put those on your website and everywhere else in the web people are looking and help you actually rank those videos in search results. And finally, makes WordPress websites that rock.
Thank you and have a good day.

The Insecurity Of The Rfid Chip

The more the federal government passes laws to insure my security, the more insecure I feel. Let's take the government's proposed use of RFID technology as an example of my concern.

RFID stands for radio frequency identification. The RFID chip is a minature device that has a very small chip attached to a tiny antenna. When the chip hears a specific radio signal, it responds with information, usually a long identification number. The chips, also called tags, are used in the private sector for many information tracking functions including inventory management, EKG carts in hospitals, cash-free toll booths, the movement of shipping containers, library books, credit cards, and even tires. The military currently uses these chips in Iraq and has used RFID technology since World War II.

The United States government has become more involved in the technology for security purposes. The Real ID Act was passed by Congress in 2005. The law requires standardized driver's licenses, passports, and identification cards with machine readable data to be in place throughout the country by December 2009. The technology being used is RFID.

The problem with this proposed timeframe is that the Federal Government has not finalized the laws requirements and has not indicated how much it will pay of the estimated 11 billion dollar cost of the program over the next 5 years. There are logistical issues involved in the implementation as well. An analysis by the National Governors Association and the National Conference of State Legislatures cast doubt about the viability of getting every licensed driver to the Department Of Motor Vehicles to verify identification documents within a five-year time period.

The Real ID Act has its opponents. Maine, Arkansas, Colorado, Georgia, Hawaii, Idaho, Illinois, Missouri, Montana, Maine, Nebraska, Nevada, New Hampshire, North Dakota, South Carolina, Tennessee, and Washington have passed legislation opposing Real ID. These states worry about an individual's loss of privacy and liberty.

The states worry that personal privacy may be violated because RFID technology could be subject to both virus and information theft. This is because the chips work similar to a smart card. The problem is that they can be read from a distance. A receiving device can "talk" to the chip remotely, without any need for physical contact, and get whatever information is on it.

Passport officials envision being able to download the information on the chip simply by bringing it within a few centimeters of an electronic reader. Unfortunately, RFID chips can be read by any reader, not just the ones at passport control. The dubious result of this is that travelers carrying around RFID passports (and eventually drivers licenses) are broadcasting their identity. In tests, RFID chips have been read by receivers 20 meters away.

However, there are even bigger concerns about RFID technology than its use in drivers licenses or passports. For years, RFID chips have been implanted in the bodies of pets to keep track of stray animals. There is a company called Verichip that has received FDA approval and manufactures a chip for the human being to store emergency medical information. The chip can be implanted in the thumb or arm of a person. Verichip has implanted the chip in about 50 people. The company also markets an implant chip in South America as a way to track potential kidnap victims.

Further, consider the use of RFID chips by Cincinnati based The private video surveillance company has embedded Verichip silicon RFID chips in two of its employees. The company is using the technology to control an employee's access to physical locations in order to keep classified information secure. This is the first instance in which workers have been chipped as a way of identification.

RFID chips have been used in humans in other countries. Chips have been implanted in more than 2000 nightclub patrons in Barcelona, Spain, and Rotterdam, Netherlands for access to the club's amenities and an easy way to pay for the club's services. Credit card companies have been closely following the technology for several years as a potential way for chip-implanted customers to make secure purchases through their credit cards.

Former Health and Human Services Secretary Tommy Thompson is now on the Board of Directors of Verichip. Thompson is excited about the company's technology and sees a big future for the implant of the chip in humans for all their medical data storage.

Verichip's (Human implant RFID) chip has raised concerns from civil libertarians and state governments. Last month, Governor of California, Arnold Schwarzenegger signed legislation banning employers from requiring employees to be implanted with RFID tags. The bill's sponsor State Senator Joe Simitian (D- Palo Alto), condemned human tagging as the ultimate invasion of privacy.

If you are interested in the storage of your health records in a chip in your body, the VeriChip implant procedure costs about 0 in your doctor's office. As for me, call me old fashioned, since I will continue to use the health card in my wallet. However, due to the passage of the Real ID act, to insure my personal security, my next passport and drivers license may have to be wrapped in aluminum foil.

Monday, June 18, 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.

Saturday, June 16, 2012

Mechanicsville Insurance For All Your Home Coverage Needs

One of the largest investments that anyone is likely to make in their lives is the buying of a home. It is your largest asset, therefore ensuring it is covered by a quality insurance plan is a detail that you definitely do not want to skip over or take lightly. It will never be wise or advisable to ever go without the right home owner coverage. When your investing in a new home, if you don't pay the entire amount in full, if you get a mortgage you will be required to provide adequate coverage as long as the loan is in effect. Your bank will need assurance their investment is properly protected; therefore it will be mandatory a home owners policy is in place. Mechanicsville insurance companies offer many options when it comes to house insurance, but it is important that you have an understanding of what homeowners insurance is and everything it covers before you purchase a plan for your own home.

Homeowners insurance is designed to protect not only your home but also your personal belongings on the property against theft, damage from fire, vandalism and various other causes. The normal items that are covered by a homeowner's insurance policy are your home, structures on the property like a pool house or shed, outdoor items like sprinkler systems and any personal property found in the home, such as the clothes, appliances and furniture that belong to the people that live there.

Establishing the proper amount needed for coverage can be easily assessed as most people do not have any idea what amount of coverage is appropriate for their specific needs. When your aware of the procedure for assessing value, it is easily to figure the proper amount by using a simple two part equation most insurance carriers use. All you need to do is take the square foot measurement of your residence and multiply that number by the costs incurred to build each square foot, as set in accordance with the property values of your precise locale. Mechanicsville Insurance Companies in your area can provide valuable information to properly figure out the cost of rebuilding and coverage options to always give you peace of mind should there be an emergency, you will have the needed coverage available for replacement purposes.

Figuring out personal property insurance coverage will typically be your next step in getting the coverage your needing. The majority of policies set coverage for approximately 50-70 percent of the home insurance amount; however, you can set the amount as high or as low as you desire. The best plan is to do an inventory of your belongings in order to calculate how much money it could cost to replace them.

Now that you recognize how much coverage you need, the next question is how much it is all going to cost. Factors such as home value, deductibles, personal effects, house options and even location, will all have a bearing in what your homeowner policy will cost you monthly. Additionally, any safety measures installed like smoke detectors and dead bolts can net significant special discounts. It's crucial to remember that insurance fees differ from one company to another so it is extremely prudent to comparison shop for an experienced and reputable Mechanicsville insurance company to maintain your coverage for your home and property.

Friday, June 15, 2012

Decorating Your Apartment in Pattaya

Decorating an apartment is just as important as deciding on the interior and exterior designs of the said home type. No matter what your culture is, whether you're a western Caucasian or southeast Asian, your architectural and interior designing norms will still emphasize the idea that an apartment's accessories can help with the overall ambiance and mood the apartment will tender to its residents or owner. When doing your own apartment decorating then, it is best to hop around a variety of these properties to get some ideas about which specific objects you will need to purchase to meet the atmosphere you want to do for your apartment. Sometimes too, it is best to visit somewhere that already has properties that show various cultures all at once to save time from tedious property hopping. Going around different apartments in Pattaya Thailand for instance will give you an impression of apartments that meet both the European and Asian worlds.

There are several apartments in Pattaya that can really be good sources for apartment decorating schemes. You just need to have a good eye at discerning which property decorative will fit your own apartment as well. But before actually deciding on the ornament you will buy for your own property, it is important to note the specific ambiance you want to incorporate in your apartment. If you have modern furniture for example and you are considering a classic European feel, you may need to look into the finishing touches that will fit your furniture.

Among the few things to consider for this are curtains and spreads. Classic Euro decorative emphasize on heavy drapes that have the function of filtering sunlight that come into a room. Normally, the curtains are in ivory or cream colors to give some sense of elegance. If you want to do warmth however, you can opt to have the drapes in earth colors instead. The ornaments that will best go with this preference are coffee tables with books and Renaissance paintings if possible. Adding a chandelier will add charm to things, if placed strategically.

Earthen pots with real flowers and log crafts will work best for a homey country side apartment ambiance. Light accents like rounded table lamps are nice touches too especially when placed together with old and rustic picture frames. Victorian handicrafts may also give a homey sense but this can be tricky if you are not familiar with these things because they might look out-of-place if just merely put together with the rest of the mentioned knick knacks. Thick carpets and stuffed throw pillows can give a country feel too.

Other apartments in Pattaya are finished off in urban artsy modes. If this is what you want to achieve for your apartment, abstract paintings, modernistic sculptures and architectural digests all around the apartment can carry out the said mode. If the artsy mode is not urban in style, the use of several combined things like vibrant pillows all around, paintings of different sorts, and clay models, will suit well the creative atmosphere. Take note though that this is a disorganized but playful, lively and creative atmosphere thus, if you are one organized person, this might not work for you.

For the chic look, the apartment can be dressed in tones of black, white and gray. Zebra patterned accessories like thin carpets are great touches as well to that chic look. To make things less gloomy since the colors black and gray often convey this, adding a splash of shiny red or apple green can help make things seem livelier.

The red and green can be the color of the ornaments such as a decorative large red mug on a glass coffee table or so. Do note that these colors should be done in smaller quantities so as not to overwhelm the chic setting.

Tuesday, June 12, 2012

401k Rollover To Ira

Some Questions To Think About

You are changing jobs and about to make a 401k rollover to IRA, of the traditional type. Before you make a 401k rollover to an IRA, let me ask you some questions and maybe give you a few things to think about.

Have you been happy with your returns over the last few years? Most 401ks are dependent on mutual funds and the volatile stock market. So, many people have not been happy to see their quarterly statements, lately.

They Could Have Been Smiling

If they had taken a 401k rollover to IRA, of the self-directed or self-managed type, they could have been smiling. You see, self-directing offers more investment options than the typical stocks, bonds and bank CDs. I am sure that somewhere along the line, someone told you to diversify, but they might have only meant to invest in a variety of different stock options, while keeping a little money in the safety of a bank CD or a government bond.

You Can Diversify

If you make a 401k rollover to an IRA that is truly self-directed, you can truly diversify. Sure, you can keep some stock market shares, particularly if you hold some of the blue-chips. But, you might also want to consider other, more unique investment options.

These days, if we want to secure our retirement, we need some more unique approaches. The average rate of return is no more than 5% per year. Do you know what the inflation rate for the next 20 years is expected to be? 5%.

Don't Continue On The Same Path

If you make a 401k rollover to an IRA and you continue to earn only 5%, then your account value really will not have grown in 20 years, because the buying power will be exactly the same. Of course, compounding interest can get you a little bit ahead in this numbers game, but imagine if you could earn 10, 20 30 percent or more over the next twenty years.

The Hidden Real Estate Market

If you make a 401k rollover to IRA and invest in real estate, you can easily see those kinds of returns. There is one sector of the housing market that is doing quite well, right now. You should learn more about this hidden real estate market before you make a 401k rollover to an IRA, if you want to be wealthy in 20 years, that is.

Here's a little more advice. Make sure that your 401k rollover to IRA is a direct-rollover or transfer. There's less paperwork involved and the transaction is not reported to the IRS.

The 60 Day Time Limit

A 401k rollover to an IRA that involves you as the middle man requires that all assets be liquidated and you only have 60 days to find a new custodial company. If you make a mistake, you could end up paying heavy taxes and penalties at the year's end.

You also might want to consider a 401k rollover to IRA of the Roth type. That way, you could accumulate tax-free wealth over the next 20 years and regardless of how much you took per year after retirement, you would never pay taxes. It's something to consider, at least.

Mastercard And Visa Student Credit Cards

College and university students should always look into the benefits of having a student credit card at their disposal, particularly a Visa or MasterCard student credit card as these are the top two brands of credit card that are accepted universally at most retail stores, ATMs, and for online purchases.

A student credit card is a credit card that is specifically formulated for the needs of students. The premise behind a student credit card is to help students to establish a positive credit rating. There are many advantages to having a student credit card, but students should understand credit cards thoroughly before applying to have a good knowledge of the best way to manage their credit card accounts.

Understanding Your Credit

A credit card is, in many ways, like a loan. The credit card company will furnish you with a line of credit for you to make purchases with, and then you repay them either in full or in monthly installments. It costs money to have a credit card, because credit card companies charge interest and fees that must also be paid back in addition to the credit that you use.

Credit cards for students are a bit easier to obtain than a traditional credit card that a non-student would apply for because students have not had a chance to make any mistakes with their credit and are thus considered creditworthy. Even those student credit cards that are issued with low amounts of available credit provide stepping stones for the student to use to have great credit when they are finished with their degree.

Worry-Free Payment Method

Having a credit card is a privilege that can allow you to make purchases without the worry of keeping cash on hand, or without having the extra cash at that very moment to spend. Student credit cards also provide you with a great way to pay your bills or shop online (without asking Mom or Dad to use their credit cards).

In an emergency, having a student credit card is much easier than writing a check or obtaining a money order, and credit cards are safer to carry than cash because if they are lost, you can easily report the card stolen and curtail your losses. You certainly cannot do that with cash; once you lose a wad of cash, you can be fairly certain that you will never get it back. For those students needing to make major purchases (like a laptop computer, for example) a student credit card gives the student an affordable and instant way to make easy monthly payments.

Building A Good Credit Score

Building your credit with a student credit card simply makes good sense. Good credit is important not only to allow you to access the money you will need to borrow in the future, but also because many potential employers now do a credit check as part of the employee screening process. This is particularly true of any government position or positions that require trust or handling money. Further, if you want to rent an apartment or condo, most landlords require that you submit to a credit check as well before they will rent to you. As you can see, having good credit and a good credit score is no longer just about borrowing money or buying a home (although you must have good credit to do those things too) but can spill over into other areas of your life as well.

The ideal student credit card has a low rate of interest, or perhaps even offers zero interest on purchases made and paid for within the same billing cycle. You should also look for a Visa or MasterCard logo on your credit card so that you can be assured that most vendors and retailers will accept your card. Also, you want a card that has low or no fees associated with carrying it, as many student credit cards may charge an annual fee.

Sunday, June 10, 2012

The Best Way to Safeguard Your Confidential Documents

We all recognize that lawyers, doctors and banks obtain confidential information from their clients, but every business, large or small, has sensitive information that needs to be secured. Identity theft and fraud are on the rise. Businesses collect information about employees, customers, company financial information, and product development. Sensitive documents that most businesses have on hand are employee records, customer and vendor records, financial and budgeting data, and product specifications or drawings. The best way to safeguard your confidential documents that are to be destroyed is to use a paper shredding service.

All levels of government have passed legislation to protect the confidentiality and privacy of individuals and corporations. Managing information has become an important function in any business. Document shredding services can help your business develop a records management program, advising your company how long to keep records, how to keep them secure, and when to destroy them. Document shredding professionals are informed about current federal, state and local regulations, and will ensure that your company is compliant. Storage of sensitive documents must be augmented with a retention plan. Document shredding services provide steps to securing those sensitive documents, ensuring that confidential information will not fall into the wrong hands. Document shredding services also offer individuals and small businesses a secure drop-off location for personal records to be shredded.

When a business wants the reassurance that its information is secure, it can call on a document shredding professional to assess the needs of the company, and provide mobile, off-site or one-time shredding services. A secure bin is given to collect papers to be shredded. A secure shredding vehicle will arrive at the business as scheduled, and the papers are shredded on-site. Screened and insured shredding professionals safely handle the documents during the entire process. If a company prefers, shredding can be done with company personnel present to supervise. A dated report which is a Certificate of Document Destruction is provided confirming the destruction of the material, providing proof of compliance with regulations, and protection against fraud activities.

Recycling sensitive documents does not satisfy government regulations for privacy and confidentiality. There is not a secure path from the recycling bin to the recycling depot. Paper shredding companies help the environment by recycling the shreds that are produced in the process, providing compliance and security at the same time. Office paper shredders may be convenient, but they are not secure. For instance, documents are easy to get to while lingering around the office to be shredded. A professional document shredding service frees up staff time while maintaining the privacy of those papers.

Maintaining an office shredder utilizes staff time and physically putting the papers into the shredder takes up a great deal of time which hinders business productivity. Document shredding services eliminate that chore, leaving staff time for more productive actions. While most information is generated electronically today, much of that information is printed out and filed. Document shredding services are an efficient and secure answer to the question of what to do with all the accumulated paper-based data that businesses, both large and small, accumulate. Document destruction companies are the best way to safeguard your confidential documents.

Premier provider of document shredding New York and paper shredding New Jersey. Certified by the National Association for Information Destruction to make sure your information always stays secure and confidential.

Premier provider of document shredding New York and paper shredding New Jersey. Certified by the National Association for Information Destruction to make sure your information always stays secure and confidential.

Financing a Bariatric Surgery

Bariatric surgery for weight loss may be a life-saving procedure, but it is not cheap. Although a number of insurance companies cover the procedure, many individuals find that their medical insurance providers balk at the cost. Most insurance companies require a letter outlining a patient's weigh-loss history and the medical necessity for the surgery before they will even consider financing the procedure. Even with a carefully crafted letter, many insurance companies will refuse to authorize the surgery.

If this happens, the patient should not give up hope, since most insurance providers give patients an opportunity to appeal a denial. Most insurance companies require that patients appeal within 30-60 days after receiving a denial of coverage. The bariatric surgery insurance Appeal Letter should include information disputing the insurance provider's reason for denial. As a last result, patients may need an attorney to help prove the medical necessity of the procedure.

For patients with no insurance, there are financial alternatives available. A number of financial institutions offer financing specifically for healthcare expenses such as co-payments, deductibles, and procedures not covered by insurance, including bariatric surgery. Some offer no-interest, same-as-cash plans as well as extended payment plans. Some bariatric surgery centers contract with finance companies to offer financial assistance to patients who are interested in this type of surgery but do not have the insurance to pay for it.

Finally, a patient can take out a home equity loan to finance the procedure. Those patients who do elected to pay for bariatric surgery themselves should keep in mind that it may be tax deductible, since it is considered a major medical expense. A consultation with an accountant may e in order.

Friday, June 8, 2012

Payday Loans Direct To You

Everyone has some time in their life where they need a payday advance fast. Years ago you asked your boss for a payday advance. Now you can get payday loans direct to your bank account from the internet. There are dozens of similar lenders out there on the internet that you can apply to and get up to hundreds of pounds of money lent to you through short term payday loans. Payday loans are just that. You pay them back on your next payday so, whilst the interest rate is high, the actual amount paid out in interest isn't a great deal of moneyless than one twelfth of the annual interest rate on the loan. The money is guaranteed to get back to the lender because, when you apply for a payday advance, your bank account information is given to the lender to get the money back out of your account when you actually have money to pay for it.

>strong>Get a Payday Loan Fast

It's relatively simple to get a payday loan fast. You ask a company or lender for a payday advance and give them your name and address, your bank account information, your job information and your bank information. Then the lender tells you how much you can get in your loans. Payday loans are often about ten percent of your monthly take home pay and you can have a job to get a loan or you can get steady money from the government or other reliable source. You can use the money for whatever you wantunpaid bills, mortgage, vacation money or car repairs. You have no credit check when you take out these loans and these are payday loans fast to your accountwithin a day or two.

Payday loans direct to you are very convenient and really don't cost that much money to get the loans. Payday loans are only for people who have a job or another source of income that is guaranteed. Getting a payday loan if you are self employed is very difficult because you can't guarantee your source of income. It is a good idea to budget carefully so that you don't have to take out a payday advance every month or more. It is also a good idea to limit the number of payday loans you take out every year to a small amount.

5 Tips When Using Autosurf Programs

When using autosurfs to gain free webtraffic, there are some things you can do to drastically increase the amount of visitors arriving to your site.

#1 Use multiple windows when leaving the computer

Normally, everyone would argue using tabbed browsing is the only way to autosurf, but if you combine multiple windows with tabbed browsing, you will gain even more. Autosurf programs are well known for the massive amount of pop-ups, scripts and certificates almost always blocking the rotators. But, it ONLY blocks the rotators in the same window, adding less tabs to each window will minimize the number of autosurfs jammed by a single pop up.

#2 Use as many autosurfs

Using multiple windows, you can add even more autosurfs into rotation. Add as many you can, until the limit of your computer. The more programs rotating, the more visitors will see your pages. Look close on what programs tend to break the surf, what programs actually CAN deliver enough traffic to be worth it and what programs that give you good enough ratio surfing many bad programs wont do you much good.

#3 Build your down line

To fully utilize the potential of autosurf programs, you need to figure out a way to build your down lines. Autosurfs work in a similar way to affiliate programs, but you earn credits or visitors if you will instead of money. You should be promoting the good autosurfs allocating credits from other autosurfs to the referral pages. Tweaking this will improve the total traffic received. Focus on autosurfs where you get a fair percentage of the referrals earned credits. But, remember to look at how much traffic they can send, no use building a massive down line if you only see two visitors a day from it.

#4 Add Manual surfs to your arsenal

Manual surfs or traffic exchanges are similar in nature, but with traffic of much higher quality. Promoting them, thus building a down line, will not only give you more traffic it will increase the quality of it as well.

#5 Continue to look for new autosurf programs

New autosurfs have a hard time getting enough users, so they often give out plenty of free credits when you are registering. If the program can deliver the hits in a short period of time, they might very well be useful enough to add to your arsenal, if not you will receive a small but steady stream of visitors long after you forget you even signed up for it. Be sure to add a few of your referral pages into rotation to increase the odds of adding to your down line. If all else fails and you STILL can't put the credits to good use, why not build a page with only a few affiliate program banners on it, and see what happens? Just don't try it with any program tracking impressions, or you will get banned.

Using these simple tricks will be sure to drastically increase the amount of traffic received from both autosurfs and traffic exchanges, good luck.

Thursday, June 7, 2012

Payday Loans: Fast Loans For You

Payday loan or paycheck advance refers to a short-term loan which is taken to cover the expenses of a borrower until his/her next payday. Such loans are sometimes also known as cash advance. Legislation in regard to such loans tends to vary widely between the different nations and, within US, between the different states. Some jurisdictions have limited the APR, which any lender may charge. This is done to prevent them from charging unreasonable or excessive rate of interest. There are also a few jurisdictions which outlaw payday loans entirely, while some have little restrictions on the payday lenders.

Payday loan is legal as well as regulated in thirty seven states in the United States. In thirteen states it isn't either feasible or illegal, given state laws. When not banned explicitly, laws which prohibit payday loan are generally applied as usury limits, i.e. hard interest rates caps that are strictly calculated by APR.

Payday loans feature considerable risk for the lender. With around ten to twenty percent default rate, defaults tend to cost lenders almost one fourth of their total annual revenue. It is due to this reason that interest rates for such loans are usually higher that other types of loans.

With high interest rates, such loans might not appear to be the most appealing loan option. Moreover, if a borrower fails to pay his or her repayment on the due date, then the outstanding balance would be subject to late fees and other penalties. However, a person may find him/herself in such financial turmoil that such a loan may stand up as the only option available. There are many people who literally survive on such loans. Most of them settle for such loans only because they are not able to avail any other type of loan for fulfilling their requirements.

Payday loan must be considered only in times of acute financial emergency. Make sure that you make yourself aware of the terms & conditions in regard to the loan properly before you sign on any agreement. Lenders would pursue every legal course available in case the check gets returned due to insufficient funds. Also make sure that you do not borrow more than what you actually need. This would also be of great help in avoiding heavy debts in future. Make sure that you borrow only that amount, which you could pay when you receive your next pay check.

In any case, payday loans are short term loans; and hence should be treated accordingly. Make sure that you pay back all such loans, as soon as possible. If you are searching for the best payday loan, then you may also visit . Here you can get a lot many options to choose from. What's more, you get Online Cash Advance as well.

Tuesday, June 5, 2012

Are Payday Loans Available Even If One Has Bad Credit?

While it's possible for some families to save money regularly, statistics have shown that the average family is no longer making savings a priority at all. This is one important reason that payday loans have become so popular. Whenever people don't have much in the way of a savings account to draw on, these payday loans for bad credit can be a good thing.

You probably know that cash advances on credit cards have come in and taken the place of savings accounts in many families. This is not a good trend, but it is a reality. The high interest rates and ease of borrowing have put many credit card account holders in a bad position. They are spending more and saving less in this difficult economy.

A great many families are facing cash crunches between paychecks, and some are really in trouble if an unexpected emergency comes up before their next payday. That's the time when payday loans for bad credit can really work out. Even if your credit is simply mediocre, it's good to know that you can get quick cash immediately when you need some. It is a comfort for working people to know.

Have you notice that college students who don't even have a job are receiving their own credit cards? Most young people are pretty thrilled to get cards in the mail, and when they get started using the credit offered they usually don't learn good budgeting or saving habits. In most cases, young adults simply do not see any need for a savings account if they have credit cards on hand.

This is truly a disturbing attitude to older adults who have lived through hard times in their lives, not to mention the present tough economy. Relying on credit card advances can be the first step in the direction of needing payday loans for bad credit. Many cash advance customers are people who have already used up their ability to get cash on their credit cards.

Repeat payday loan customers, those who have used the services of local retail stores or websites online, are all familiar with this quick and easy way to obtain quick cash in an emergency. They have experienced the short application process and know that loan approval is usually quick and easy, too. They understand that their loan repayment will be set up in advance, which means it is easy as well. They have experienced the system that allows borrowers with bad credit to get cash advances without using any credit cards, and without experiencing rejection at traditional lenders.

Customers who plan to get some quick cash from payday loan lenders need to understand how short term loans will affect them before they sign any loan documents. They need to know that short term loans are repaid in a single payment, and they are not installment loans repaid monthly. Single pay loans are repaid in one lump sum, which includes the entire loan amount plus all interest and fees. This total amount will be automatically debited from your bank account on your next payday. He repayment terms and amount are stated on your loan documents, so be sure to pay attention before signing them. And also be sure to remember that your whole loan must be renegotiated if you need additional time to pay.

Because we all have emergency situations that come up occasionally, we all have to think ahead and plan out our possible options. It's really good to have more than one option to get emergency cash whenever necessary, but some of us simply don't have many options. If you need cash immediately and simply don't have time to waste, now you will be better prepared to think about payday loans for bad credit.

Saturday, June 2, 2012

New "stimulus Plan" Tax Incentives For Buyers Of Electric Scooters

Energy conscious consumers considering purchase of electric vehicles and electric scooters have an increased incentive to purchase these vehicles due to a tax credit buried in the recent Economic and Reinvestment Act of 2009.

Incentives for plug- in hybrid vehicles take effect in 2010 but incentives for smaller electric vehicles take effect with the passage of the bill. The 7 Billion bill passed by the Congress, and signed by the President gives a tax credit incentive to purchasers of electric vehicles of different types.

All electric powered vehicles benefit from the new tax credit. Immediately benefiting are buyers purchasing a category of vehicles known as light electric vehicles or LEV's. The LEV category includes four wheeled Neighborhood Electric Vehicles or NEV, and two and three wheel electric powered scooters.

The criteria for qualifying are based on the electric energy storage capacity of the battery. For two and three wheel vehicles the minimum size battery storage that qualifies must be rated at a minimum of 2.5kwh of stored energy capacity. For a NEV type vehicle the minimum battery storage capacity that qualifies is 4 kWh. To determine if the vehicle you are considering qualifies take the amp hour capacity rating of the battery times the battery voltage and divide by 1000. If the result is 2.5 or greater, the scooter, or three wheel vehicle, will qualify for the credit. For example if the specifications on the scooter you are considering has a battery rated: 5X12V/50 Ah the calculation is as follows: (5X12v) 60 X 50 Ah = 3000 Divided by 1000 = 3 KWh, which exceeds the 2.5 kWh minimum criteria.

For vehicles that qualify there is a 10% tax credit on electric vehicles up to a maximum purchase price of ,000 which would result in a maximum credit of ,500 on a vehicle costing ,000. This tax credit may be in addition to local tax or purchase incentives that may be in place in some local municipalities, and is effective for purchases made after the date the bill was signed

The tax credit incentive will be welcome news to anyone considering purchase of an electric scooter.

Car Finance Advice

Car financing has constantly evolved and come up with new and innovative ways to allow people to benefit. The latest in car financing is Novated car leasing, popular in countries like Australia and the UK, Novated car leasing allows an employee to lease a car while the employer agrees to pay the instalments. The employee in return agrees to receive lesser pay till the lease finishes. Novated car leasing allows both the employee and the employer the opportunity to access a wider variety of cars at lower costs.

Novated car leases are basically of two types, the first is a regular Novated car lease, and in this case the employee does not receive any finances for operating costs like petrol or any maintenance expenses. The second type of Novated car leasing is a fully maintained Novated lease, in this case the employer pays for operating and maintenance costs of the vehicle too. Depending on the requirement an employer can offer an employee basic leasing or fully maintained Novated car leasing.

For the employee Novated car leasing is useful as it allows him to access cars at lower rates, especially if the employer has purchased or leased cars in a bulk amount. In addition Novated car leasing allows an employee to apply for tax discounts. In addition to tax savings and lower rates, another advantage is that an employee has a wider selection of cars, since employers that offer Novated leasing usually have a large number of cars at their disposal and have tie ups with various car leasing firms.

However there is a downside to Novated car leasing, if an employee leaves his employer, the onus of the payments is completely on the employee and unless the new employer agrees to continue paying for the Novated car finance, the employee has to manage all the payments.

The employer too benefits from Novated car leasing, the biggest advantage is that an employer can actually operate a fleet of vehicles without having to worry about operating costs and maintenance costs, usually employers prefer paying for a regular Novated leasing, thereby ensuring that there are no transportation issues, and maintenance and operating expenses are maintained by the employee. In fact since the employer is actually paying for the leasing for an employee, the employer can actually maintain vehicles off the records, thereby saving on tax while having an effective transportation system in place.

At the end of the day Novated car leasing is a win-win situation for both the employer and employee, in addition to the employer and employee, finance companies too benefit from Novated car financing, by actually having the employer pay for car leasing, the financing company can offer employees with poor credit history cars on lease, as there is a higher probability of receiving payments on time.

In essence Novated car leasing is a tripartite agreement; where there are three parties involved the financing company, the employee and the employer. In fact it is one of the few tripartite agreements where all three parties benefit in different ways.

Friday, June 1, 2012

Tips on filling out Bankruptcy Forms

Bankruptcy is a severe process that you would need to put a lot of contemplation, but once you decide to go with this route it is best idea to get prepared for filing bankruptcy forms correctly. It would make the process easier if you have a list of your assets and debts in advance. Here are few tips to completing the forms to save time and energy.

Get your forms typed

It could be different depending on the state, but most courts prefer that your bankruptcy forms be typed, not handwritten. Manual or automatic typewriter was popular about a decade ago, but nowadays almost everyone has personal computer, therefore it became easier to fill out the form using computer. Ask your local court they accept a handwritten bankruptcy forms, or if they have other options you can choose such as online filing. There are forms online that you can fill out using computer and send it via electronic filing.

Know your Local Court

It is common that every bankruptcy court has its own rules and regulations as wells as way of handling things. Therefore it is best for you to ask your local court's preferences as it might change over a period of time. You can always call or write to the local court when you need more information to make things clear. It is always better to ask than assume.

As technology develops in all area, you may find that your local court will require you to submit the original copy of the petition only one time. Nowadays many courts are moving toward digital record of cases instead of paper ones. At some courts, they will scan your original documents and keep them in the permanent storage, creating multiple electronic copies at a later time. It is all possible due to technology innovation. In that case, you will only have to follow your local court's directions.

Know your local court's requirements and follow its rules and guidelines. Also be ready to make changes to your petition when you're filling out forms, so that you meet their requirements.

Answer questions to your best

Try not to leave any questions unanswered, but fill out as best as you can. Most of bankruptcy forms have a check box where it specifies "none" as an answer. If you still can't find it, just put "N/A" as not applicable indication.

The trustee might assume that you didn't complete the bankruptcy forms in case you leave any sections blank. If the question is not clear or doesn't apply to your situation, then put "N/A" in the first blank, and it will be much clearer than leave it empty.

Disclose everything whenever possible

If you have trouble categorizing a debt or asset on a form, do the best you can and make a note next to your entry that you're uncertain.

If you are having a hard time how to categorize a debt or asset, do your best to fill out the forms. When in doubt, put down a note stating that you are not certain on that specific items or questions. That way your trustee will be able to sort through those unclear items and put them in an appropriate place later. Try not to leave things out just because you don't know the answer right away.

Be honest and careful

When you fill out bankruptcy forms, it is better to oversupply information rather than leave them with many questionable empty spots. Even if it looks repeating multiple times in your documents, information is always welcome to trustee's eyes. The more information you provide in the form, the less will your trustee doubt, suspect and question about your documents.

If you have anything that you fail to disclose upfront, it will make your case dismissed in worst case. Be careful when you put down the lists of all of your assets, because it is very important process and you can't get lazy about it even if you become tired.

If you don't take your paperwork seriously it will increase the chance of dismissing your case in the end. At the same time, you would run the risk of losing your assets if you fail to get them listed completely in the forms, which you could have kept if you were more careful.

Make use of continuation pages

When you run out of room on a particular page while filling out forms, you can simply create continuation page of your own by adding another page of the same style. You can make copy of the page you want using original copy of the form you are filling. Make sure that you write down your name on top of all the pages of the entire bankruptcy forms and make a note that it is a continuation page if you choose to use it.