Monday, July 30, 2012

Cheap Nokia 5310 Xpressmusic Deals

Mobile phones have become a useful commodity in everybody's life. Today, no one can start a day without holding the phone in the hand. It has totally changed the lifestyle of the people. Opt for cheap Nokia 5310 XpressMusic deals and you will get many of valuable offers which suit to your monthly budget and requirement. The latest monthly deals offered exclusively hassle free options for the mobile phone users.

By choosing cheap Nokia 5310 XpressMusic deals, you can save ample amount of money from your monthly incomes. Nowadays, these cheap tariff plans are available with most of the advanced mobile phones that comes with latest multimedia features such as Bluetooth, GPRS, WAP, mega pixel camera, integrated music player and A-GPS etc. these cheap phone deals are with various attractive incentives such as free talk time, free insurance, free mobile accessories and free text messages, I-Pod, laptop, Java games, instant cash back and many more.

The main advantage to buy Nokia 5310 XpressMusic contract deals is that the customers can easily choose any of his suitable best monthly tariff plans in order to maintain their bills within limit. Nokia 5310 XpressMusic is a newest music-minded handset which comes with great stereo speakers along with elastic sound quality. The phone has 3G capabilities to keep the exclusive songs collection into multiplayer and gallery options.

Simply, click on Nokia mobile phone sites and search the best cheapest plan along with cheap Nokia 5310 XpressMusic deals. This method is also offers you to make comparison with other phones while choosing any of your favourite phone.

Sunday, July 29, 2012

Tigers For Tomorrow At Untamed Mountain

Tigers for Tomorrow at Untamed Mountain is a privately owned exotic animal preserve in northeastern Alabama. The facility is not a zoo but a non-profit rescue preserve that provides a safe sanctuary for animals in need of a permanent home. A visit to Tigers for Tomorrow is an educational experience for all ages.

Tigers for Tomorrow was founded in 1999 by Sue Steffens, the former Director of Development for the Palm Beach Zoo at Dreher Park. The preserve was originally located in Fort Pierce, Florida, but plans were made to move further north after the preserve suffered damage from two hurricanes. It was able to merge with another rescue organization, Bluegrass Farms Wildlife Sanctuary in Attalla, Alabama. They now own 140 acres in rural DeKalb County, Alabama.

The preserve is home to more than 100 exotic animals including 17 tigers, 14 mountain lions, four African lions, and two black leopards. There are also camels, a zebra, wolves, and both grizzly and black bears. The animals have come from different sources. Some have been rescued from private owners who could no longer care for them. Others came from zoos that were closed, circuses, and canned hunts. Tigers for Tomorrow does not have a training or breeding program. Its goal is just to provide a safe place for the animals to live out their lives.

The facility is open on Friday, Saturday, and Sunday from 9am to 5pm. During the summer when the weather is hot, it is best to visit in the morning when the animals are more active. Visitors are free to walk the property and view the animals. Untamed Mountain is in the foothills of the Appalachian Mountains, and there is lots of walking over hilly terrain. Visitors should plan to wear comfortable shoes. The Children's Barnyard Contact Area is the only area where visitors may directly interact with the animals. The Barnyard contains sheep, goats, llamas, and emus that may be petted. In the other areas of the preserve, visitors are at least four feet from any animal enclosure. Visitors are welcome to enjoy a picnic lunch in the picnic area.

Tigers for Tomorrow preserve will be opening several new areas in June. There will be a new Welcome Center with a gift shop. The shop will sell animal related items as well as jewelry and other gifts. The facility will also unveil a new wolf habitat. In addition, there will be a Legacy Living Classroom that can be used for educational programs. It will house exhibits of small mammals, reptiles, birds, and native Alabama wildlife. Tigers for Tomorrow recently received a grant from Legacy Inc., Partners in Environmental Education to construct a butterfly garden.

The preserve is located southwest of Fort Payne, Alabama, near the town of Collinsville. The address is 708 County Road 345 in Attalla. Admission is .50 for adults, for seniors age 65 and older, and .25 for children ages 3-11 years. No credit cards are accepted. Cameras and video cameras are not allowed. A visit to Tigers for Tomorrow sanctuary provides a wonderful opportunity to observe exotic animals in a non-zoo setting.

Friday, July 27, 2012

3 Ways To Make Money From Singapore Properties

1st way - buy low, sell high
Very simple strategy. Timing is key to success for this strategy. Opportunity for buying low is during recession, when sentiments in job market and economy are low (the lower the better). This is a great time to enter the market 'coz prices will be depressed. Some investors like to buy when prices are "relatively attractive" or "affordable" according to their means. Some investors may choose to buy in only when there's signs of uptrend (so they are buying at the base of the upturn).

So how do we know whether it's the bottom? During the bad times, many will say "it's too risky, it will go lower, let's wait". Do understand that real estate is inherently an illiquid investment, as opposed to the equity market. The periodic charts / graphs / data presented (on a macro scale) will be good indicators of how the real estate market is moving. The stock market chart may show volatility (up 1 day, down the other, up 1 week, down the other) but real estate market data will trend for quite some time before peaking or bottoming (we also won't know exactly how long, that's a question which only the market has an answer to).

Many home buyers like to think that today's prices are "too expensive" relative to last month / last year's price. We will only support such thinking if the broad data shows "all-time highs", otherwise smart buyers should understand that its not only you who is buying at this "higher price". If others are buying around the same price, then it is only natural that the market forces will continue to push the prices even higher because each buyer-turned-seller will continue to ask for higher prices to gain profit, and that is how everyone plays the game (well, at least until the bubble bursts).

2nd way - buy at a discount
Simple strategy but often neglected. So, you may be curious as to where exactly can you find properties at a discount? Most real estate articles will teach you to look for foreclosures (auctions), urgent sales, etc. So, we won't say more about those.

There's another type of property which we believe can be considered as "discounted" - old apartments in worn-out condition. A word of caution - you should be somewhat interested in doing renovation works, talking to designers and contractors if you are interested in trying out this type of discounted properties. And always remember the 3 golden rules of real estate - location, location, location.

In fact, you can also find discounted properties in new condo projects as well. How so? ... stay tuned to our updates and we will tell you more =)

3rd way - buy to lease out
Rental yield (your rental returns on your property purchase) is a fundamental way many people make money from properties. If you are looking into this strategy, may we suggest purchasing 99 year leasehold properties (in a great location) instead of freehold (in the middle of nowhere)? Tenants are willing to fork out higher rental for (1) convenience, (2) comfort. Tenants will not pay you more because your property is a Freehold tenure (even if you had to pay the seller / developer more). Tenants will pay more if your property is near a subway (MRT), or has wonderful facilities, is nicely furnished and lets them hugely enjoy their limited period of stay in Singapore.

We have a list of properties near subway (MRT) which will be updated onto our blog soon. Your can stay updated on our blog via email or you can see the updates on our twitter page and facebook page as well.

Thursday, July 26, 2012

Making Your Condo Your Own

Do you remember what you thought the first time you walked into your condo? You did not own it and, probably, the previous owners had all their stuff there. Or the place was totally bare. All you had was a picture in your mind of all the things you could do and improvements you could make. But now the condo is yours, and you can do with it what you want. Following are five tips for making your condo your own.

1. Paint. There are few upgrades that are easier to accomplish, and that will have such a dramatic impact, as painting the walls. Or even just one wall. You can attain a feeling of warmth, for example, with greens and beiges. Or if you like darker colors, you can go that direction, too. Point is, the paint color you choose can set the tone for your entire condo.

2. Personalize. Find some pictures of you or your family. Or your friends, or places you have visited. The pictures you decide to hang say a lot about you. If you choose vacation spots, for example, they may reflect your overall approach to decorating. (Just because you live in one area does not mean you cannot decorate as if you live somewhere else. Just ask the person with reggae music and pictures of Jamaica all over as they stare out at the snow.)

3. Flooring. It can get expensive to change your flooring, but if you plan to stay in your condo for a long time, if may be worth it. After all, if you are a hardwood kind of person, how much happier will you be with hardwood floors as opposed to, say, linoleum? And if you live in a cold climate, you may appreciate having warm carpet on the floor as opposed to cold tiles (assuming they are not heated, of course).

4. Decorate. Your decoration options are limitless. You can keep your place very Spartan and utilitarian, if you prefer. But if you like trinkets and to display your stamp collection for example, you can do that, too.

5. Exterior space. Many condos have balconies or decks. You can see them from the outside, and what they look like says a lot about who owns them. Some appear as little more than extra storage spaces, while others have tables, chairs, plants and a grill. The latter signal a person who enjoys being outside. The former signals a person who likely just needs some extra storage. The point is, you can make the call about how to utilize your deck or balcony space.

Online Jobs That Are 100 Percent Legit

More and more are deciding to just quit their day time job & just work at home. Who would not think about? How convenient it would be to work at home? When it comes to practicality and convenience, no office can top our very own home. The career at home idea specifically appeals to people who need a job but have other equally important affairs to attend to. For mothers who want to earn or simply want to have a productive activity but have children to look after too, Legit Online Jobs are the solutions. For students who are studying but can't afford so without working, home-based opportunities will be very helpful. For people who just love staying at home, no jobs can ever top jobs that they only need to do at home.

If you are considering working, part time or full time, at home, through online jobs, then you would add up to the growing list of people who are wanting to work at home too. But truth be told, you really don't have to think so much about working online. It's not like a matter of life and death decision. Not unless you are working on a job with high paying salary but you are planning to give it up for a home-based job. You can have a work at home job anytime just as you can walk out on that job any time you want. That is actually just one of the privileges that come with home-based jobs. They are flexible in a way that they can be done anytime and anywhere. Online jobs are like disposable materials, you pick them when you want them and turn your back on them if things did not turn out the way you wanted them to. Although you should try to be professional at all times & avoid dumping a project for no solid reason.

What you need to be more concerned about is your chosen job's security. Getting jobs should never worry you because the number of employers considering online workers are growing. You can earn simply by doing paid surveys from survey companies like Paid Surveys Etc, SurveyScout, Maximum Paid Surveys and Surveys4Checks. It is the legitimacy of a job that you should be wary about. Unfortunately, most of the jobs offered on the internet are just scams. You can possibly meet an employer who will try to fool you and ask you to do project and get away without paying you. But don't worry because you can avoid taking online jobs that don't pay.

No one won't be able to take advantage of you if you are would get jobs from sites that are legal and reliable. You have to be critical and make sure that you are on the right job sites. Legit Online Jobs is just one of the many dependable job directories out there. Be a smart and alert. Whatever details that are being given to you, don't take them as they are. Instead, do some background checking. Make it a point to read reviews like Legit Online Jobs Review. You may read them from review site like If you keep these important tips in mind, you can expect a safe and a prosperous online career ahead.

Wednesday, July 25, 2012

Purchasing Burlington Ontario Real Estate Online

For those contemplating a move to Burlington Ontario, the net is a convenient location to start seeking for a new home. Searching for properties on the internet saves hours of randomly driving around potential neighborhoods seeking houses for sale. Thinking about a relocation to a different location or another state meant spending cash on travelling and planning viewings with military precision. Doing a bit of legwork in front of the PC can save time and money and reduce the number of houses that have to be inspected in person.

By checking property websites, you can narrow down the search by number of bedrooms, bathrooms and price limit. Quite often their's interior and exterior photos to assist in making a choice of what focus in on. There may also be links to maps and aerial photographs to help narrow the search further.

Purchasing a new home is more involved than bedrooms and bathrooms. Families with kids are interested in local schooling services. In Burlington, there are nearly thirty public grade schools, seven secondary schools, two universities and a college of dental health. There is also a wide variety of private schools for all ages. Getting around easily is also an important point when moving to a new area. Burlington is served by three commuter train stations. There is also 4 major road transportation corridors through the city.

Average temperatures reach as high as 80 degrees Fahrenheit in the summer months. Average winter temperatures in January and February range between -6 and -8 deg Celcius. The yearly rainfall is in the region of 35 inches, or just under 1 meter. Lake Ontario helps maintain a moderate climate. Climate is warm and humid in the summer time and dry and cold in the winter. The Niagara Escarpment also shelters the town from the elements.

Another essential factor in thinking of purchasing Burlington Ontario real estate is the state of the local economy. Burlington is located in what is often called the Golden Horseshoe, Canada's largest commercial and industrial market. Here, there is a diversity with no dependence upon a specific company or industry. The biggest industries tend to be electronics, pharmaceuticals and the manufacture and processing of food. The prime employers in the public sector are the local hospital and education systems.

Tuesday, July 24, 2012

The Importance of Learning Binary Options Trends

People can save money in their bank accounts and invest in government securities. These are the safest forms of investments. But why do people seek alternative forms of investment. It is due to the fact that saving accounts and government securities might offer a very low risk but their return is also not very high. This creates a need in the market for all the investors who have a need for earning greater returns and ready to invest into riskier assets, to explore different alternatives in the market.

Investing into financial securities is one of the ways by which people have made fortunes. Especially, institutional investors like mutual funds and hedge funds specialize in maintaining a portfolio of financial securities which minimizes the risk to the investor. These institutions have professional managers and financial analysts who help make investment decisions and therefore, invest money into complex securities with high return potential.

However, in most cases, there are individual people who want to invest their excess fund to be able to earn a return. An individual with a degree in finance may find it easy to start trading in the market, but someone who lacks the necessary knowledge and experience, might be at a disadvantage. In this case, binary options are the most easy to learn financial securities to begin with.

There are many brokers in the market who offer interested traders professional services for trading purposes. These brokers set up trading accounts, provide trading platforms and also provide with the basic guidelines of how to go about trading. If this is the scenario the one may argue that binary trading is very simple and as the broker can handle all the transactions there is no need to learn the mechanism behind it.

However, what makes it necessary to learn binary options is that at the end of the day, the brokers do not take responsibility of the losses you might incur while trading and you will have to bear the full burden of these losses.

Hence, this situation clearly shows that there is a very high need to learn binary options for anyone who wants to go into binary option trading. The good news here for all the new traders is that learning binary options is very simple and the most easiest as compared to learning how to invest in any other security which is available for sale in the financial market.

Saturday, July 21, 2012

Ways Of Accounting For Non Profit Organizations

Nonprofit organizations have different accounting needs than businesses that are profit driven. Non profit accounting is based on the principal of fund accounting. The fund accounting is the one that emphasizes accountability for separate funds that are segregated from other funds in the organization. For the fund accounting, this is driven by rules or guidelines specifying that an organization has to account for funds separately that are designated to be used only for certain purposes. For example, donors may donate money to be used specifically for medical equipment, or some other purpose, and the funds in that account can only be used for that purpose and may not be used for administrative salaries or other budget items. Track revenues and expenses for each fund separately and be able to provide reports for each fund is a must for nonprofit organizations. The kind of software that an accounting nonprofit organizations needs is a software that is designed for non profits and allows an organization to track and pull reports for separate funds.

Accounting practices are important for any business. Knowing how much money is coming in and how much money is going out is critical for making decisions about spending. A nonprofit organization often has donors, board members, or other officials who want to know exactly how money is being spent too. Keeping accounting records accurate and up to date can help a nonprofit organization be able to answer questions about expenses accurately. It is important to have an accurate record keeping can also help an organization understand expenditures so that adjustments or reductions can be made to help the organization run more efficiently. For a nonprofit organization, for them to operate, they need donors, grants, fundraisers and other types of charity donations. It is best that an organization is able to accurately account for and show how much money comes in and how much money is spent, it can foster a feeling of trust in the organization that in turn can generate greater donations and support.

A nonprofit operation can benefit with tax exemption status. In order to qualify as tax exempt, an organization will need to meet certain guidelines established by the IRS. Proper tax forms will need to be filed with the IRS for the organization every year. Keeping proper accounting records will make it easier to fill out IRS forms or other forms that need to be filed on a regular basis showing income and expenditures. To show whether or not you continue to qualify for a tax exempt status, there should be a proper recording.

Nonprofit organizations has so much help in their communities by providing services that help to improve individuals and communities. The founders, volunteers, and employees who are dedicated to these special causes often spend many hours and in service to make these organizations viable. But having a passion for the cause is not always enough to keep an organization running. In order to help the organization run successfully and continue to bring in the necessary funds to operate year after year, there should be proper accounting profit should be kept at all times. Finding accounting software that is designed for nonprofit organizations can help non profits successfully keep accurate financial records.

Thursday, July 19, 2012

Reasons to have business method patents ?

Using some computerized equipment and application to carry out your business has great significance and attraction in the recent times. Such equipment could simply help you in carrying out your day to day business in a more helpful way thus saving your time and money. Such methods developed from the cash register era to punch cards generation system to the current day paperless software based systems. This is the basic reason, why such systems become the property of people who develop and own such systems, which is promising through the ideas of patent in the market. Treading the path of software patents or some other patent could promise you an amount of benefits to such set of people.

The advent of business technique patents was due to the quantity of disputes seen in the market among special organizations. This triggered with the case of State Street Bank & Trust Co and versus the Signature Financial Group Inc occurring somewhere in the year 1998. The Condition Street Bank had embarked with an anonymous category of financial tool, which was basically a technique of calculating the net asset usefulness of an amount of mutual funds. In this ground-breaking case, the corporation who devised it thought that the patent laws were just intended to look after all the methods, irrespective of the need of a computer, as long the method was seen beneficial and tangible result. The fact that, how both software patents and the methods used to carry out these effects was legally protected led to a huge uproar in the market.

Also, the other cases, which came into limelight surrounding the patent debate included Microsoft, AT & T, Amazon, Barnes & Noble, and Price-line before 2002. All these cases gave a potent base for the business methods and software patents in the market. This helped to protected dissimilar business practices carried out by dissimilar companies. However, the procedure of giving patent to these business practices seemed stringent as the habits patent examiners were unable to carry out the required patent assessment.

The dissimilar tips for the business methods patents found in US are appropriately defined. In fact, no other country has the patent laws being defined so extensively unlike what you get to see in US. At the same time, additional efforts are being added to make the issues easier and clearer for the applicants. In this way process for patent application for things including business practices and the software application has turned out to be very simple.

Wednesday, July 18, 2012

Why Hyphenated Domains Are Dead!....

For years search engine optimizers and affiliate marketers have been using this type of domain name quite heavily. The idea was that by including the primary keywords for your market in the actual domain name itself that this could and would influence your search engine ranking. This did seem to work for quite some time. It was an accepted practice.

There was a problem however. Search engines change. They change their algorithms and with these changes some websites can simply disappear from search engine results altogether. And change they did. March 2006 saw Google implement something called BigDaddy which immediately dumped 95%+ of hyphenated domains from their search index.

Why did they do this? Google hate people manipulating their search results because it makes them look bad. They run a business and like any business they want to stay in control of how their customers see them. Having search results filled with doesn't look good. It makes their search results appear very unprofessional to say the least. Bearing in mind too that most of these extra long hyphenated domains were filled with keyword stuffed pages of rubbish that had no actual value to visitors and you can see why Google made this change.

Were all hyphenated domains dropped? Of course not. Some stayed in the search index especially those with just a single dash in the domain name itself. That being said the day will come when dashed domain names will probably be moved to Googles secondary or supplemental search index. This effectively means that your domain would be dead in terms of search engine traffic.

Does the title "Hyphenated Domains Are Dead!" seem a little harsh? It's not meant to be. It's there as a wakeup call for your business. For the newbies out there just starting in business online please don't fall into the trap of using dashed domain names. Anybody who advises you to purchase a domain name with more than a single dash doesn't know what they're talking about and should be avoided. Serious online marketers are dumping their dashed domains as quickly as possible and moving towards either:

1. Branding their websites with much shorter domains.

2. Just using non-dashed domain names instead.

From a business point of view it's actually a good thing. Using hyphenated domains was just a lazy way around being truly creative. There are plenty of great .com, .net, .org and .info domains left unregistered. There are as many great. coms for sale too - true you might pay a little more but at least you'll be getting a domain that you'll want to keep forever.

The days of the disposable dashed domain names are over. If you're running an online business now it's time to take it seriously with a proper domain name. You do want to take your business seriously don't you?

Monday, July 16, 2012

00m-639 Big Data Sales Mastery Test V1 Exam

Course Description

In contrast to other IBM Mastery IBM certification exams, the Big Data Sales Mastery Test v1 Exam is specially designed to gauge a candidate's knowledge when it comes to completing technical tasks such as 00M-639 configuration and 00M-639 maintenance of the active directory environment. The Windows Server 2008 Active, Director Exam will enable you to earn the amount of credit required towards becoming an MCTS IBM 00M-639 Certified Technology Specialist.

The course which is also commonly IBM Mastery referred to as IBM 00M-639 Big Data Sales Mastery Test v1 Exam Exam can also enable you to earn enough credits to sit for MCITP IBM 00M-639 Certified IT Professional (Enterprise Administrator). Excelling in the course enables you to be ready for numerous job positions, for example, technical support specialist, system administrator or WebSphere Application Server Network Deployment V6.1 Core Administration Exam network administrator. This type of course IBM Mastery is suitable for IT students or 00M-639 professionals in other IBM Mastery fields who would like to get a job in a complex ICT environment. These types of IT setups are usually found in medium to large businesses .

Course prerequisites

Unlike other 000-253 exams administered by IBM WebSphere Application Server Network Deployment V6.1 Core Administration Exam, there are no particular conditions for enrolling for the IBM 00M-639 Big Data Sales Mastery Test v1 Exam Exam. Nevertheless, it is highly recommended that you gain at least one year of experience working in an ICT environment. In addition, persons 000-253 registering for IBM 00M-639 Certified Technology Specialist (MCTS) 00M-639 certification course ought to have at least 12 months of WebSphere Application Server Network Deployment V6.1 Core Administration Exam experience not only in implementing, but managing a network OS in an office environment 00M-639 which comprises of, but not limited to 250 users, three geographical locations and three domain controllers.

IBM 00M-639 Exam WebSphere Application Server Network Deployment V6.1 Core Administration Exam Expectations

The Big Data Sales Mastery Test v1 Exam is made up of multiple choice questions, build list and reorder, hot area as well as build a tree question. While sitting for the 00M-639 exam, you may realize that some of the Big Data Sales Mastery Test v1 Exam questions 000-253 are adaptive. In addition, you may notice that there are couple of simulation questions tested. In comparison to WebSphere Application Server Network Deployment V6.1 Core Administration Exam certification exams, you will not come across a case study like queries. In order to excel in the 00M-639 exam, you need to score a minimum of 700 points out of a IBM Mastery possible 1000 points. To score at least 700 points, you need to attempt roughly 55 questions in not more than 120 minutes.

Getting Ready for the IBM 00M-639 Exam

Prior to sitting for any 00M-639 examination, you need to prepare in advance to guarantee success. The preparation 000-253 process entails an understanding of the basics, and proper comprehension of the implementation process. Most IBM Mastery candidates registering for the 000-253 WebSphere Application Server Network Deployment V6.1 Core Administration Exam exam often find it challenging trying to collect the proper resources needed to excel in the exam as there are hundreds of study 000-253 IBM Mastery materials accessible in the market. When searching for a study guide to assist you with IBM Mastery preparing for the IBM WebSphere Application Server Network Deployment V6.1 Core Administration Exam 00M-639 Exam, look for a suitable study material which offers candidates with proper awareness of the hypotheses outlined in the exam. In addition, the study material ought to make it easy to understand the information.

Topics Covered

The following are the IBM Mastery different types of topics that are covered in the Big Data Sales Mastery Test v1 Exam: Configuring forest and domains IBM Mastery, Configure backup and recovery and 000-253 Configuring Additional Active Directory Server Roles.

Saturday, July 14, 2012

The Demand for Asheville Real Estate Attorney Services

Few towns in America have seen the explosive growth that Asheville has experienced, and with that surge in popularity has also come an increased demand for Asheville real estate attorneys and their various services.

The Growing Need for WNC Real Estate Attorneys

Starting in the late 1990s, real estate attorneys in WNC saw their businesses begin to expand, primarily because more and more people discovered the Asheville area and decided to buy land or houses here. Almost every local real estate contract or transaction also calls for a real estate attorney to represent the buyer, the seller, or both parties. So the number of real estate lawyers in the area has continued to grow over the years. Although there were relatively few lawyers in WNC twenty years ago because there just were not that many people living in the Western Blue Ridge Mountains that has all changed rather dramatically and significantly. Not only is WNC especially the immediate Asheville area much bigger and more populated than it used to be, but there are also many new real estate lawyers and real estate lawyer offices dotting the local landscape.

Hundreds of New Businesses and Financial Ventures in WNC

The population of greater Asheville has, in fact, practically doubled within the past 15 years, growing from about 60,000 to at least 120,000. In order to support that kind of growth and in order to capitalize upon that, hundreds of new businesses have opened their doors. There are dozens of new restaurants, for example, and the local Asheville Mall on Tunnel Road recently expanded to nearly twice its original size. Many of those ventures involved land acquisitions that depended on real estate lawyers for help.

The Real Estate Boom of the First Decade of the 21st Century

Just as the housing boom affected other parts of the nation like California, it also had an impact on WNC that was historically unprecedented. Thousands of people now live in condos, planned developments, gated communities, and apartment projects that did not exist back in 1995. Not only has residential real estate grown exponentially, the growth in commercial real estate has increased dramatically as well. Asheville is enjoying large numbers of new office buildings, retail buildings and restaurants, and multi-use structures. Developers in both the residential and commercial sectors, need qualified real estate attorneys to protect them and to provide guidance for the legal issues that their real estate developments face. Real estate lawyers are staying busy assisting in residential real estate, commercial real estate, and real estate development legal issues, as they keep up with the demand for good Asheville real estate attorneys.

Small Business Credit: Your D&b Number Explained

When growing your small business, you'll face many operational challenges: a bigger space, more employees, higher revenue, and greater cash flow. You will also need business credit. When you apply to a bank or other lender for your first company credit card or loan, you'll be asked for your company's DUNS number.

What's a DUNS number? In 1963, the Dun & Bradstreet Corporationtoday known as the D&B Corporationintroduced the Data Universal Numbering System, or D-U-N-S Number, as a way to identify businesses numerically for data-processing purposes. A DUNS number is a unique nine-digit sequence that is recognized as the universal standard for identifying and evaluating the financial and credit performance of over 100 million businesses worldwide.

What is the D&B Corporation? The company was founded in New York City in 1841 as the Mercantile Agency. It was the world's first business information provider. The Mercantile Agency evolved into the R.G. Dun & Company, which merged with the rival John M. Bradstreet Company in 1933. The current D&B Corporation was formed upon the separation of Moody's Corporation on September 30, 2000.

D&B is the world's number one provider of business credit information. Other providers include Experianwhose databases hold information about the credit status of about 35 million businesses around the worldEquifax, and TransUnion. As it grows, your company will almost certainly be represented in their databases.

Who uses DUNS numbers? The number is how lenders identify your business and access your business credit profile. The U.S. government and many major corporations require their suppliers and contractors to have a DUNS number.
How do you get a DUNS number? It's free, and you get one by completing the online DUNS application. It takes approximately one week before the information is reflected in the D&B website. The information you provide to get your DUNS number includes:

Organization name, address, and name of the CEO or owner.
Legal structure of the organization (corporation, partnership, proprietorship).
Year the organization was founded.
Type of business.
Total number of employees (full and part time).

What type of credit ratings does D&B provide? Once your company is on the D&B radar screen, it will be given a variety of ratings. They include:

D&B Rating. This is a scale that assigns your company to a category based on revenues, and provides a composite credit appraisal number of one (high) to four (limited, meaning not good).

D&B PAYDEX Score. This 100-point scale rates your company based on how quickly you pay your bills.

Financial Stress Score. This score predicts the possibility that your company will cease business without paying all creditors in full, reorganize, or obtain relief from creditors under state/federal law during the next twelve months.

U.S. Commercial Credit Score. This predicts the likelihood that your company will pay in a delinquent manner (over 90 days past terms) during the next twelve months. The highest score is 670, putting you in credit score class #1. The lowest score is 101, which is credit score class #5. D&B also provides the Incidence of Delinquent Payment, which shows the percentage of firms that paid in a delinquent manner (over 90 days past terms) over the past year.

Can you check your D&B credit ratings? Yes. You can manage your D&B profile online, and you should check your profile periodically. Your good credit is an asset to your business, and it's important to challenge and correct any erroneous information as quickly as possible. It's also important to make sure that your good credit activitypaying vendors and lenders on timeis included in your credit record.

2008 Thomas Hauck Communications Services

Lexington Law Reviews: A new car

If you're trying to buy a car, obtaining a new auto loan can be difficult. If you have bad credit, you can always look at a clean-up service such as Lexington Law to help you.

Bad credit car loan websites are all the rage now, helping consumers with repossessions and bad credit get a new car loan. Poor credit is rampant in today's economy, and consumers with bad credit who are looking to get into a new vehicle may have a lot of trouble.

Fortunately, sites like Lexington Law exist to help consumers who are in a band. Embarrassed consumers find themselves frustrated with looking for a hassle-free auto loan when they're buying a new car. Many consumers find that second chance auto loans are the answer.

Second chance auto loans often have long pay off times and heavy payment schedules. Rather than relying on a second chance auto loan, why not try something like Lexington Law, a service that can help your credit score skyrocket and get you into a no-hassle auto loan. No second chances are needed!

If you're looking to get into a new car, you need to make sure that the place you're sending your payments to is also communicating with credit bureaus. You don't want to waste your time relying on car dealerships and second chance auto places that won't report your responsible payment schedule to the bureaus. Rather than taking that unnecessary middle step, you could also rely on a credit repair service such as Lexington Law to take the initiative and free your credit report from unnecessary bad credit reporting. If you use Lexington Law, you'll find that you'll get all the help you need in disputing negative charges, late payments, and debts you may not even owe.

If you didn't know that some debts expire due to the statue of limitations in your state (INCLUDING missed car payments,) then you definitely need a company like Lexington Law to take the reins and help you get the higher credit score that you deserve. Lexington Law helps customers increase their credit scores by hundreds of points. Lexington Law clients end up getting into the cars they want to get into, and are approved for just about any kind of loan they need after a complete credit score redo.
It's definitely work working with a company like Lexington Law who can help raise an individual's credit score one negative item erased at a time.

Wednesday, July 11, 2012

Tampa Florida: Second Highest Road Rage Death Rate in Country

Aggressive driving is one of the largest causes of fatal accidents in the United States. And it seems that Tampa Florida has the second highest rate of deaths due to road rage in the country. Who is first? According to an AAA survey it is San Bernardino CA with 13.4 deaths per 100,000 drivers as compared to Tampa with a rate of 9.5. Carry that across one million drivers and that is a lot of un-necessary deaths. You have to wonder why Florida auto insurance does not cost more than it does.

In a recent survey by the AAA Foundation's annual Traffic Safety Culture Index, eight out of ten drivers ranked aggressive driving to be one of the most serious and potentially dangerous situations they faced regularly on the highways. And they are right. Aggressive driving accounts for more than half of all traffic fatalities.

Aggressive driving and road rage seem to have become synonymous but are defined differently in many states. Aggressive driving can include speeding, racing, ignoring signs, and tailgating as well as confrontations with other drivers. These are all considered potentially aggressive behaviors.

The National Highway Traffic Safety Administration (NHTSA) uses the following factors to identify crashes involving aggressive driving: speeding, tailgating, failing to yield, weaving in and out of traffic, and passing on the right, making improper and unsafe lane changes, and running stop signs and red lights. They excluded crashes in which drugs or alcohol were a factor. Within these parameters, they found that aggressive driving is the dominate factor in 56% of all fatal crashes.

What about the rest of the country? Places you would naturally assume like New York don't make the top ten. Big mean cities like Boston, Pittsburgh, Cleveland, nope, not even on the list. In fact Florida has the top honor of being listed 4 times in the top ten. Tampa as mentioned earlier is number 2, Orlando with 8.1, Miami with 8.1, Ft. Lauderdale with 7.3 are 4, 5 and 6 respectively. As a state, Florida ranks number 10 with South Carolina as number one. The report is based on metropolitan areas with populations over one million.

Other interesting facts brought to light by the survey:

- Cities with better mass transit or other alternatives to the automobile had lower rates.

- Older cities with older neighborhoods with simple grid street patterns had lower rates.

- The larger more sprawled out metropolitan areas like San Bernardino CA, San Antonio TX, Dallas--Fort Worth TX, Tampa--St. Petersburg Florida all had higher rates of aggressive driving.

- Another surprise the sampling brought out is that residents of metro areas with low transit use were 61 percent more likely to die in an aggressive driving crash than people who live in areas with high transit use.

So, the next time you are out driving look at the person in the car next to you. Is this person going to run you off the road if you get a little too close? You never know but the experts all agree that the best way to avoid becoming a statistic is to avoid trouble in the first place. Just keep your head, stay calm, dive defensively and make sure your car insurance is up to date.

Tuesday, July 10, 2012

Chair Woodworking Plans Make It Easy To Build A Chair

When putting your Chair Woodworking Plans together the first things to consider would be the design. Apart from that one must have the right equipment and tools. The level of difficulty in building a wooden chair could range from very basic and simple to extremely intricate with a lot of carvings and fine design work. You should base your design on your level of competency and experience as well as what will be the purpose of the finished product.Some factors to consider would be if the chair is going to be used indoors or outdoors. Another would be the kind of wood that would be more appropriate for its principal function. For outdoors; Cedar, Cypress and Redwood are good options. For indoor wooden chairs, Ash, Mahogany and Oak are great choices.

To create a simple wooden chair, one would need the following materials: a power or hand saw; chisel, electric sander or sandpaper in varying grits and brick; electric screwdriver or nail gun; four pieces of felt, hammer, hardwood such as birch, cherry, oak or pine; nails or wood screws; measuring tape, paint, stain or varnish and a wood plane tool.

In building an average size wooden chair (measurements can be adjusted to fit the individual needs of a person), one can start off with the chair legs using a rounded 2X4 lumber which should be cut into four pieces. Cut each chair leg 16 inches long.

For the chair seat, cut part of the flatter wood. Measurements would be 15 inches thick into a twelve-inch square. in order for the chair seat to have a three-fourths to one-inch "drop," take your wood plane and cut a "slope" into the back of the seat. .

For the back of the chair, the wood piece must be cut with a twelve-inch square measurement. The thickness of the chair's back would depend on the individual's preference. The smoothness of the finished product would determine the amount of hand sanding that would be involved. To do this, one simply needs to sand each piece. It is recommended to begin with a coarse grit of sandpaper and finish off with a very fine grit. Special attention must be given to the chair seat and back. This is to make sure that there are no splinters left that might get stuck in anyone that uses the chair.

In order for the chair's back piece to fit right, you need to cut the top marked part of each chair leg as well as the ones found at the back of the chair seat. You will need to use either their power or hand saw; hammer or chisel. To attach the chair seat to the chair legs, use an electric screwdriver, hammer or nail gun with some nails and screws. Next would be to make sure that the chair is stable and does not wobble or wiggle. Lastly, make sure to place pieces of felt on the chair legs and to make sure that it fits perfectly. Once this is done, one can easily create more Chair Woodworking Plans that can be beneficial and useful in their home.

Monday, July 9, 2012

Trade In Nifty Future Intraday For Making Sure Profit

Over the years the Indian traders have realized that profiting in the nifty future trading is one of the best bet. However it is quite experienced that many day traders never make any success in nifty intraday trade. Learning little simplest technique can make some one a winner in the nifty intraday trading. I am going to narrate one most important and the simplest principle and trick for nifty intraday traders.

Understand the volatility. This is the parameter which will give you the most likely move the nifty future can swing in a day. In this case the term swing' means high and low difference in a day. Then the next question is how to find the volatility. In my book on Futures and options I have given the simplest method to find the volatility using the logarithmic mathematical procedure. If you do not have the book or you do not wish to calculate the volatility then the other procedure left out is refer the daily volatility column given in the NSE site against the Nifty future f &o quote section. You may get a figure 1.23 for 9th October 2009 price quote in the bottom of the page. In other words it says the nifty future has the potentiality to generate 1.23% returns today either in the long side or in short side. For example if nifty is trading at 5000 it will generate 5000X1.23%=61.50 point return. This small arithmetic information is sufficient enough for me to take a wise trade decision.

Now it is the time to migrate to a more realistic example. On 9th October 2009 at 10:45 a.m. I found the nifty at 4999. At that time the prior swing has recorded high 5021 and low was 4973 and the daily volatility was 1.23%. The previous days' closing was 5001. Since the daily volatility is a derivation from the yearly volatility I will calculate the return points from the previous days closing which is 5001X1.23%=61.5123 round it to 62 points. The next big thing I can do is I will take the clue from the mid point of high and low of the current day. As per my data the mid point is 4996.50. As per the recorded data the nifty high and low has created a swing of 49 points. My current price suggest I am just above the midpoint hence I have a chance to scale 62-27=35 point from here in upside or 27 point down from here to complete the calculated return of 62 points.

Now the last job is to derive a trade decision. Here the concept of cycle will get focused since my return is 62 points as per the volatility and every completion of 62 points will start a new cycle. It is often observed that if the stock trade above the mid point then it has the most likely chance of going up and in my case Nifty is above 4996.5(mid point ) and I will buy nifty at current price of 4999 for target 5034(i.e. 4999+35). Same time I will put my stop loss as 4996.5-27=4969.50. If the up side target is achieved then my next target will be in the 2nd cycle termination point of 5034+64=5096. If my buy side stop loss is triggered then the next cycle will be ending at 4907.50(i.e. 4969.50-62).

In between the 4969.50 and 4907.50 I will find one target at the mid point of it (i.e.(4969.50+4907.50)/2=4938.50 )the 2nd target will be the mid point of 4938.50 and 4907.50(i.e. (4938.50+4907.5)/2=4923). Same way the intermediate target of the upside move for 2nd cycle can be calculated.

Now as per the calculation I have entered the buy trade and the stop loss is triggered and given me the opportunity to enter the short trade of 2nd cycle. You may surprise to see that that nifty low was 4923.05 on 9th October 2009. I too have the answer why the 2nd cycle halted at 4923? But it is beyond the scope of this article.

For your information I will once again inform you this value is calculated when nifty were quoting at 4999 and have neither made any of these calculated high or low.

This same trick can me applied to all the stocks just by referring its daily volatility and applying the mid point concept on it. It will yield much refined result if you will apply my mid point method as describe on my book on Gann method under the 34 intraday technique section. You will be in a position to calculate many intermediate target points and most likely reversal points using midpoint method explained in the book.

In Smart finance we always experiment and teach you the simplest method which is easy to understand and follow. However stock market or commodity market or forex market has different price tags and each method has its limitation and can me applied only on selected group of price tag. These refined techniques we teach in seminar programs. However many of these techniques are featured in our published books. Try to use the above discussed technique in Nifty Future and experience the success.

Sunday, July 8, 2012

Saxon Clueless With Hafa? - Short Sale Classes

In this article we wanted to share some insight into how the HAFA program is being processed by Saxon. When we spoke with Saxon's Short Sale Department, it was clear that the process is still very new to them as they have yet to work through a short sale to closing. What we did gather from Saxon is the current process with closing HAFA transactions. We wouldn't be surprised if Saxon makes changes in the future to improve HAFA transactions.

When the HAFA program kicked in early 2010, many real estate agents were excited to see that some standard processes were put in place to encourage short sales and to help decrease lender response times. As we move through 2010, the real estate industry is yet to see the benefits of HAFA.

1) Initial contact from homeowner - Borrower speaks to the HAFA Short Sale Dept by phone to notify them of wanting to submit a short sale packet via their HAFA program. There is an option to speak with a Saxon Spanish speaking representative as well.

2) Sign Letter of Solicitation - A HAFA Letter of Solicitation is sent to the borrower via US Mail. This letter is to be signed and returned to Saxon via fax or US Mail. If this is not received, the processing of the short sale will not continue.

3) BPO (Broker's Priced Opinion) Completed Saxon will order a BPO and review the report when received to decide how to move forward with the Short Sale. At this point, the BPO value needs to be in line with the purchase offer and if it is not, negotiations will have to occur in order to move the short sale file forward. Send in any market information that supports the purchase offer that was submitted.

4) HAFA Package sent to Borrower Once the BPO is received by Saxon, a HAFA packet is sent to the borrower via US Mail. The borrower completes this paperwork and returns it via US Mail. This paperwork is required to qualify the Borrower under the HAFA program.

At this point, the borrower waits to see if they qualify for the HAFA program. This is important because it will determine the outcome of the approval. Specifically, how much realtor commissions are allowed. HAFA guarantees 6% of commission to the real estate agents and if the short sale is not qualified under HAFA, Saxon may cut this commission down to 5%.

Keep in mind that there is a Short Sale Secrets Department that deals specifically with HAFA transactions and another department that handles non-HAFA transactions. What this means is that there will be different contact numbers to call for status and different negotiators assigned to the file.

If your short sale begins processing with the regular Short Sale Department and it qualifies for HAFA later, it will be moved to the HAFA Short Sale Department and assigned to a new negotiator. If you submitted your short sale file to the HAFA Short Sale Department and it ends up not qualifying for HAFA, it will be moved to the regular Short Sale Department.

In one of our short sale submissions, we had called to verify receipt of a BPO that was ordered by Saxon and they had no updates in their file that a BPO was ever ordered. After some confusion and investigating, Saxon realized that the BPO was ordered via the HAFA Short Sale Department and we had to call a different number for status.

Another item to note is that if you already submitted a short sale via Saxon's non-HAFA Short Sale Department, you can always pursue qualifying for HAFA afterwards and it the file will be moved over to the HAFA Short Sale Department.

If you are unsure whether or not the borrower may qualify for the HAFA program, visit the website If you determine that your borrower would not qualify for the HAFA program, submit your short sale package to Saxon's non-HAFA Short Sale Department. Doing this upfront investigating will help you from wasting time with having your short sale file moved from one department to another and yet waiting for a new negotiator to be assigned.

Chase Unknown to HAFA's Process

In this article we wanted to share some insight into how the HAFA program is being processed by Chase. When we spoke with Chase's Short Sale Department, it was clear that the process is still very new to them and they being that the program is very new, they do not know enough about the program. Chase did not know in too much detail about the HAFA forms Short Sale Agreement (SSA) or the Request for Approval of a Short Sale (RASS).

The standard response from Chase was to visit their website for HAFA information and download the Short Sale Information Packet. After visiting their website, they had no information on HAFA and there was no information on how to qualify for HAFA.

When the HAFA program kicked in early 2010, many real estate agents were excited to see that some standard processes were put in place to encourage short sales and to help decrease lender response times. As we move through 2010, the real estate industry is yet to see the benefits of HAFA. We wouldn't be surprised if Chase makes multiple changes in the future to improve HAFA transactions and we will continue to report any changes that occur.

In order to get better information from Chase with regards to HAFA, we had to contact someone from the executive response team. We were able to gather better information on the process of submitting HAFA short sale transactions.

1) Borrower makes initial contact The borrower must call the HAFA Helpline at 866-326-0086 and request a HAFA Eligibility Letter to be sent to their current mailing address. This letter is received after 5-7 days. If nothing is received after a week, call the HAFA Helpline again to make another request. It is important to follow up on receipt of the letter to ensure your short sale file is moving forward.

2) Borrower receives HAFA Eligibility Letter What is sent to the borrower is the standard Chase Short Sale Information Packet with an additional page specific to HAFA and details all the conditions required to qualify for the HAFA program. To view these requirements on the internet, we were instructed to visit

3) If the short sale file qualifies under the HAFA program, 6% real estate commission are allowed, otherwise they will drop it to their standard 5%. Therefore, it is beneficial to the real estate agents if they go through the process of qualifying the borrower under HAFA.

4) If you submitted a short sale packet, you can still pursue HAFA qualifications. It is our recommendation to verify whether or not the borrower can qualify for the HAFA program upfront to save you some time on processing.

Historically, Chase has been very slow to process short sale transactions, and with additional guidelines with HAFA, we expect Chase to take some time before their negotiators are up to speed with how to process HAFA transactions. It has been WHB Solutions experience to educate Chase short sale negotiators on short sale processes, especially when they are Chase specific.

We have found the negotiators to be easy to work and follow internal guidelines to the T but information shared internally is not always good. On many occasions we have had to share Chase internal processing changes to negotiators assigned on our other files, which ended up working in our favor as the new internal changes allowed us to process our short sale file faster.

It is our recommendation to investigate whether or not your short sale transaction qualifies for the HAFA program upfront as it will help to make sure you can get 6% real estate agent commissions. Also, we encourage you to escalate your questions if the Chase contact you are communicating with cannot give you an answer to your question.

Keep in mind that short sale negotiators in general have a lot of files to work on and follow processes very closely. Do not expect them to go the extra mile to help you structure your short sale transaction that will be to your advantage. All they are looking for is to process and close the short sale file. The motivation is to close as many files as they can as they receive bonuses based on performance.

Dealing with HAFA Transactions in Bank of America's Equator

In this article we wanted to share some insight into how the HAFA program is being processed by Bank of America, specifically how Equator handles HAFA transactions. When the HAFA program kicked in early 2010, many real estate agents were excited to see that some standard processes were put in place to encourage short sales and to help decrease lender response times. As we move through 2010, the real estate industry is yet to see the benefits of HAFA. We wouldn't be surprised if Bank of America makes multiple changes in the future to improve HAFA transactions and we will continue to report any changes that occur.

Currently, we have an existing file submitted in Equator. The borrower called Bank of America to pre-qualify for the HAFA program and we were told the short sale file was flagged as HAFA qualified. However, after logging into Equator, there is no indication that the file was qualified for HAFA, which led to some concern.

WHB Solutions has analyzed and closed hundreds of short sale transactions and we know that when dealing with short sales, verify everything. Do not take the word of someone on the other side of the phone. Therefore, to overcome our concerns about whether or not our short sale file was in fact HAFA qualified, we contacted the negotiator assigned to our file and was informed that he does not work on HAFA transactions!

No calls were ever made to inform us of this fact and we jumped on the phones to Bank of America's Short Sale Department to confirm that our file was in fact qualified for HAFA. We were then told that the file will be assigned to a HAFA negotiator and we should get an update of this new contact in a week. We were also told that the short sale file will remain open in Equator until a new negotiator is assigned. Whew!

We thought we were in the clear with this file but then we realized based on our past experience that when a file moves to a new negotiator the short sale process is interrupted. A BPO (Broker's Priced Opinion) had already been ordered and we were not sure if this BPO would still be valid. We then called back to Bank of America and they mentioned that the BPO would still be valid and would be reviewed by the new negotiator.

Within a week, the borrower was sent a short sale package with specific paperwork on the HAFA program. Keep in mind that Bank of America's guideline is to send this information to the borrower via US Mail and they will not fax or email this information. Most likely, this information is sent certified mail and must be verified as delivered to the borrower for liability reasons.

Summarizing how Bank of America deals with HAFA transactions, expect the following processing events:

1) Borrower makes initial contact The borrower must call Bank of America to get pre-qualified for the HAFA program.
2) Borrower receives HAFA Package Bank of America sends out a Short Sale packet with HAFA information to the borrower's mailing address.
3) Currently, Equator has no way of showing that a short sale file submitted is qualified under HAFA. Bank of America mentioned that it may update their system to reflect this event.
4) If the short sale file qualifies under the HAFA program, 6% real estate commission are allowed, otherwise they will drop it to their standard 5%. Therefore, it is beneficial to the real estate agents if they go through the process of qualifying the borrower under HAFA.
5) If you submitted a short sale packet, you can still pursue HAFA qualifications. It is our recommendation to verify whether or not the borrower can qualify for the HAFA program upfront to save you some time on processing.

Bank of America - HAFA

I have a short sale in progress, currently in Equator. The status is Valuations, and the buyer just called in for HAFA qualification. According to the front line rep, the file was indeed "tagged" with a HAFA notation, and that our current negotiator would remain with the file.

The number 877.452.3908 is the HAFA line for customers, and they run 8am-8pm EST. Currently, the number is heavily impacted, and it was recommended that borrowers call in early to get through. (8am EST is 5am PST).

I asked the negotiator for next steps, and asked if we should upload the SSA and Alternative RASS into the Library for review.

Bank of America - Equator

Race to the finish. Two files - exact same floor plan in the same complex, one started late Jan, the other late March. However, the main difference seemed to be that in the second property, three different escalation requests had to be made in order for the negotiator to be prompted to take action.

First property - Third Party Auth (3/26), Short Sale Submitted (3/29), Negotiator Assigned (4/5), Valuations Stage completed (5/17), First counter submitted 5/14, Accepted 2nd counter 5/18.

Second property - Third Party Auth (Jan 27), Short sale submitted (Feb 2), Negotiator Assigned (Feb 23), 3 escalations submitted until Valutaions completed (5/5), First Counter (5/17), Second Counter (5/19), Accepted 2nd (5/19)

Other notes: Both properties were listed for ,000. The BPO came back on the first at .5K, but still the first counter came in at ,500. Same for the second property - so this shows that the bank is trying to get over BPO as an initial tactic. #1 has a offer price of .5, while the second property has an initial offer price of .5, and because prices have been dropping, has reduced their price to k.


PNC + National City

First loan with PNC, 2nd loan with National City. PNC acquired National City - but the short sale applications are being processed by their respective departments. The reps are still not authorized to speak to one another, which prompted us to created a Third Party Authorization that will allow them to speak to one another

In my case, National City was asking for a large contribution (40%), to approve the short sale, something that the PNC investor would never grant. This prompted us to get managers in each department to speak to one another to resolve, but they were not permitted to do so until they received the Third Party Authorization that allowed them to speak to each other.

PNC does participate in the HAFA program, but needs to check whether the investor behind the loan also agrees to participate.

A best practice that we should always remember to do.

Whenever you get a "win" of any kind from a bank rep, it is a great opportunity to get the contact information of their managers in order to write a "Thank you" letter.

Ricardo was the foreclosure technician who helped me process a postponement. I asked him for his manager's email and followed through with my thank you letter.

Look carefully at what came back - the telephone number of his manager Maria (it's in her signature), and it looks like another manager was cc'd on the email - Quinnie Wright.
Now I have three "go-to" people at Bank of America - Ricardo, Maria, and Quinnie - just from the simple courtesy of sending out a thank you email.

Saturday, July 7, 2012

No Credit Check Auto Loans: Now Credit won't Matter

If you are ready to cope up with this new changing society, you have to keep all sorts of luxury with you. Now a day's possessing a car is status symbol for everyone. You too have such thoughts but financial calamity can drag you from your passionate desire. Moreover if you are having bad credit history in the market then it will be very tedious to get loan amount through lenders. At this stage, no credit check auto loans will play a vital role and can easily put you on financial ease.
Comprehending "no credit check"
While seeking for auto loans with bad credit you have to show financial status and the reason for getting this tag of bad credit. It will be very lengthy process and can give unnecessary tensions. To get rid of all those, you can move to no credit check auto loans. In this system you will be never asked about your history, and the loan amount will be sanctioned very smoothly.
Bad credit can be imposed by late or irregular repayment of loan installments. This irregularity can come by sudden bankruptcy. At this stage this type of loans are very useful and can help you a lot.
Securing these loans
Lenders present in local market as well as online lenders are ready to pay you no credit auto loans. Online selection of lenders will be the option since it will be fastest and smooth way to procure the loan amount. The only thing you have to do is to mention following things to him:
1. Which automobile you are trying to buy.
2. Your financial status and need.
3. Which type of auto loans do you intend to go for whether secured or unsecured?
By disclosing all these information to the lenders, you will come very near of your desire. Not only you can use this money for buying a car but also you can use this money to open you own transport business or for the repayment of a prior loan.

Friday, July 6, 2012

Three Ways Bad Credit Hurts You

You've probably heard that bad credit can ruin your life, and this is totally true. Having credit that is less than stellar is a great way to set yourself up for financial failure in the future. Bad credit can cost you money, and it can even cost you a job. If you haven't thought about changing your credit score, here are three ways that less than great credit can hurt you. All of these are reasons to pay attention to your score so that you can have a better financial life.

First, bad credit costs you money on a daily basis. Many people think that poor credit only costs you when you're getting ready to take out a loan. The truth, though, is that it can keep you from getting the best rates on any loan you take out. This has immediate and long-term ramifications. Immediately, it causes your monthly payments to rise. In the long term, it causes you to pay a whole lot more money in interest to various lenders.

Just think about this with your home. There is a huge difference between 3% and 5% interest on a home loan when you're talking about a 0,000 loan! Over the life of a loan, you could be talking about tens of thousands of dollars of interest payments because your credit score wasn't good enough to get the lower interest rate.

Bad credit can also cost you a job. Credit scores are basically risk assessments done by professionals. The more responsible you are, the less risky you are, and the higher your score. When you have a low score, it means you are probably reckless with your money and are prone to paying bills late. This could mean that you'll be irresponsible in a job, and it could cause potential employers to reject your application.

Finally, a bad credit score can keep you from getting a contract for an apartment or home lease or even a cell phone. When you don't pay your bills on time for the most part, no one is going to trust you to start doing that right now. If you go to apply for an apartment, your potential landlord will most likely check your score. If it's too low, you might be denied, and this could happen with other things including phone contracts and even Internet contracts.

Thursday, July 5, 2012

Your 401 Plan Serviced By Fidelity

If you sign up for e-mail statements or follow the companies rules. For more complete information on any investment restrictions associated with your employer-sponsored plans at work. Start by contacting the school and explaining the hardship you and transfer the money from your Plan Administrator generally no less than 30 days nor more than 90 days before your distribution date. The different types of 401k offered by Fidelity Brokerage Services.

Employers Find out more about content provided by Fidelity Investments is that most of their brokerage accounts. If you receive a Special Tax Notice Regarding Plan Payments from your 401 plan serviced by Fidelity. Options when you retire Depending on your retirement fund being maximized for you. Withdrawals from your 401K into one of their fees can be avoided if you hold company stock in your future. Is your retirement investments as well. Use the chart below to determine if consolidating your retirement goals and how you can manage your retirement goals and how can you get there. Through this option one can supervise your retirement savings more efficiently.

This option lets you view and update their plans through the wireless service. They also offer a feature called Fidelity Anywhere. Excessive Trading Policies Target Market Timing Some investors may contact us for more information about your account, account balances, loan balances, and much more. The Fall Issue of Stages Online Is In These articles can help you with retirement planning. Smart Moves for Retirement.

Employers and employee who have never logged in. The company also has an automated telephone service centers and the up to date prices for all eligible plan investment opportunities. Another convenient way to please both the employees and yourself.

The tax information contained herein is general in nature, is provided for informational purposes only, and should not be construed as legal or tax situation. Contribution limits Before you invest, understand the 401 account contribution limits established by the FDIC or any other government agency. Each statement includes in depth information about the tax advantages of joining a 401. These are the sections of Enrollment you will get a statement every three months. The 401k Center has a network of financial professionals that work with the best qualified companies. The different types of 401k offered by Fidelity Investments is that most of their brokerage accounts. Start by contacting the school and explaining the hardship you and transfer the money from your 401K into one of their brokerage accounts.

Information about the services offered by Fidelity Brokerage Services.

Wednesday, July 4, 2012

Mortgage Broker Training Keeps Your Company In Compliance

Keeping your company in compliance with the laws is essential to the overall success of any business. This is a general fact in most businesses, but when you are operating within the mortgage and financial industry, there are swift penalties to be paid if you are non-compliant. Fines and even imprisonment can be what you are facing if you do not have the proper knowledge and training. Consumers had somewhat lost faith in using a broker to find their loan when there had been so many foreclosures caused by broker activity. Borrowers depend on the honest assistance of mortgage brokers and the housing industry has renewed some of their faith by instituting new regulations. By staying within the regulations set forth, mortgage brokers can now have a lucrative business once again.

Mortgage broker training is not optional when you are running a mortgage business. Training is necessary for all employees, whether you are considered an originator, loan officer or the owner of the company. There are many new rules since 2008 when the Federal Reserve and HUD revised their regulations to prohibit unfair practices. Disclosing yield spread premiums is also one of the new rules, so that the consumer is fully aware of what they are paying. Your mortgage broker training will cover these new laws, as well as adhere to the SAFE Act. SAFE stands for Secure and Fair Enforcement for Mortgage Licensing Act. It was placed in effect to regulate broker's activities and to ensure that every rule is being followed.

According to the SAFE Mortgage Licensing Act of 2008, the roles of loan officers, processors and originators have been more defined. There are licensing requirements for anyone that will be originating loans for the public. Loan processors and underwriters that are supervised and not directly performing origination duties will not require licensing or registration. Licensing is no longer an option for independent loan originators or contractors, so it is advantageous to find the mortgage broker training that offers courses for loan originating to remain in compliance with the law.

The SAFE Act mortgage broker training will entail 20 hours of study towards your NMLS approved education. The training will consist of 2 hours of instruction relating to nontraditional mortgage products and lending standards, 3 hours of laws and regulations on the Federal level and 3 hours worth of ethics. The ethics area will include consumer protection rules, instruction on fraud and all of the fair lending issues. In addition to those 8 hours of training, there will be an extra 12 hours of instruction that is undefined on the practices of mortgage origination. When you are finished with those courses, you can take the NMLS state and federal tests to achieve the licensing that is required in your state. Being properly trained and licensed is the best way to protect your company and its assets.

If you are looking to obtain your state issued mortgage broker license and want to run your own business, there may be other stipulations that you will need to fulfill, along with the mortgage broker training. Licensing for originating loans and operating a business, along with holding a surety bond are a few of the things that may be required for your state. Each state has a list of requirements that you will need to investigate in order to stay compliant. No matter where you broker the mortgage loans, you should look into the training that will keep your company compliant and successful.

Monday, July 2, 2012

A Poem About Inflation


Ah, the temptation
When one can print money
To print it and print it --
As much as one needs!

Ah, for one moment
The outlook is sunny:
Wealth is restored!
The project succeeds!

People are working,
Beginning to spend;
Credit is flowing,
The market is pleased;

Banks once again
Have money to lend;
One has a sense
That the moment was seized.

The problem is nothing
Can never be something:
Money just printed
Was not bought or sold.

There was no exchange
Of one thing for one thing:
Something produced,
Like laughter or gold.

And so we've increased
Our money without
Increasing the value
Of what it can buy.

The outcome must be
Without any doubt,
According to laws
Of demand and supply.

When there is more money
In relation to things,
Prices will rise
In response to demand.

Since just-printed wealth
No exchange for goods brings,
The goods stay the same
As the dollars expand.

Prices rise quickly,
Leaving us nothing
More than we had
When we first began.

And so we learn nothing
Can never be something
The hard way -- again --
As we sink in the sand.

Misleading Ideas About Instant Approval Credit Cards

A lot of credit card issuers offer instant approval simply by submitting an application online. If you would like to have a credit card or it is your first time to apply, the prospect of being "instantly approved" will surely be appealing. Nevertheless, just before you fill out your online application, read on the rest of this article to avoid being misled by false ideas on credit cards with instant approval.

The Name Can Be Misleading Some consumers have the false idea that credit cards with instant approval does not involve any waiting time at all. But is that really what the term "instant" mean? Can you expect to get your credit card and use it on the same day you submitted your application? The answer is no.

You may ask, what does the term "instant approval" really imply? The truth is that getting approved instantly only suggests that a potential cardholder can get approved more quickly than the traditional method of application.

As soon as the application has been submitted online, the applicant's credit history will be screened though an online system. This is why a response can be expected within the same day or only a few minutes after clicking the submit button.

Nevertheless, getting approved is still subject to the credit card company's conditions and credit rating standards. For instance, some issuers will strictly demand for good or average credit score to get approved.

Once approved however, the actual processing may take from 4 to 7 business days. During this time, the applicant's background will further be reviewed to make sure that he/she is able to meet the issuer's qualifications. Afterwards, the credit card will be sent through postal mail to the customer's billing address.

When the consumer receives the credit card, he/she must call up the credit company and go through the telephone verification process before the account can be activated. Once active, that's the time the cardholder can use his/her card for transactions.

Instant Approval Credit Cards for Bad Credit Yes, the promise of getting an instant approval" can sometimes be deceiving, if you are not aware of the procedures. This is why consumers are strongly advised to take the extra time to do research about the credit card company's guidelines prior to submission.

Another important step is to check the status of your credit history from each of the three credit reporting agencies. In case you have bad credit, try to look for credit cards that offer instant approval for consumers with imperfect credit rating. This way, unnecessary rejection can be avoided since it can inflict more damage to your credit score.

Sunday, July 1, 2012

Self Employed Secured loans And Remortgages.

It is at present confusing for the self employed to fully understand exactly where they stand when needing a mortgage, remortgage or a secured loan.

In the past, the self employed were almost at an advantage compared to employed people when making am application for a remortgage, mortgage or a secured loan, as they could self declare their own income, unlike employed applicants for these home loan products.

While the employed had to be truthful about their earnings, as they had to provide wage slips when applying for these loans, the self employed simply had to provide what is widely known as a self cert.

This meant that no self employed applicant would ever be declined for a mortgage, secured loan or remortgage, at least not on the grounds of having insufficient income, that is unless he or she was rather dim witted.

There was even one lender at that time, namely Future Mortgages, who even accepted self certs from employed secured loan borrowers.

The only check that they made for these self cert employed applicants, was to telephone the company where they were employed to ask if the applicant did in fact work there, and that it was not pure fabrication.

They did not even bother to enquire how much the person earned, and as a result, there were cleaners earning as much as doctors almost.

It was of course very tempting for people to increase what they earned, to obtain the mortgage they wanted to buy the home of their dreams.

The same thing happened when applying for a remortgage or a secured loan that they could use to release equity on their property to use for almost any purpose, including making use of remortgages and secured loans as debt consolidation loans.

In the course of the recession, the accepting of self certs, when making application for any mortgage product stopped 100%, and the self employed then needed, as they do to this day, either full accounts or an accountant's certificate to prove their true earnings.

The secured loan lender, Nemo, who had at one point accepted self certs for homeowner loans at up to 100% LTV, ceased granting loans to the self employed.

Secured loans have always continued to be available from one lender on a self cert basis at 50% LTV, and high interest rates apply.

Matters are now looking up some what for the self employed, with Nemo now advancing loans at 75% for the self employed, although an accountant's reference or accounts are needed.

Link Loans has a plan at 75% LTV also for those who own their own business, but they require the same income proof as they do for Nemo Loans.

For those only recently se;lf employed, the Link Loan plan for homeowners without accounts comes in very useful. The equity however is limited to 60%. They must also provide three months bank statements to show the income that their business is providing.

Therefore, although we are no where near the slack hay day of self employed loans, things are at least moving in the right direction.

However, accounts or an accountant's certificate are still required when applying for mortgages and remortgages.