Thursday, May 31, 2012

Delete Nco Financial From Your Credit

NCO Financial has been in business since the early 1920's. They are headquartered in Pennsylvania.

They collect for accounts related to education, utilities, financial services and others. They are world wide with over 140 operation centers spread through 9 different countries.

If you have a notation on your credit report from NCO Financial then you credit score has been damaged. You should remove this notation from your report in order to improve your score.

To remove this listing I suggest you dispute it with the credit bureaus. To do this a dispute letter must be sent to the credit bureaus.

In this letter you must explain why the notation is incorrect. For example; account is paid, not my account, amount is wrong and etcetera.

Once the credit bureaus receive this letter and deem it valid an investigation will begin. During an investigation the credit bureau will contact NCO Financial and ask them to confirm the details on the notation.

Often notations are removed once an investigation begins. This is because nco financial and other business are un willing to spend the time and money verifying an uncollectible debt. Thus the credit bureau will then remove the notation from your report.

However the difficulty is to get the credit bureaus to actually conduct the investigation. This is because it costs the credit bureaus money to investigate, so they are resistant to the dispute process.

Credit bureaus will often respond to a dispute letter by asking for more information regarding the notation, regardless of their need for it. This happens because the bureaus want to frustrate the individual and have them give up on the dispute.

The Fair Credit Reporting Act passed by congress in the early 1970's is a piece of legislation to help you the consumer. This law says that bureaus must investigate disputes and if the investigation shows that the listing is inaccurate or unverifiable then if must be removed from your credit report.

If the debt that nco financial is attempting to collect on is legitimate then you should settle the debt. When you settle this debt you need to send NCO a letter offering a settlement.

In this settlement letter, I strongly encourage you to get in writing from NCO that they will remove the negative listing in exchange for your payment. If you do not get this then you will be forced to dispute the negative listing later.

You should settle this debt for only a fraction of the total amount due. The reason for this is because with all the late fees and penalties your balance has been inflated. Furthermore NCO bought your debt for only pennies on the dollar. Just so you know an inaccurate amount due, is grounds to dispute a listing.

In sum, I recommend first disputing the listing before you make any efforts to settle the debt. If you only have one negative mark on your credit file then conduct the disputes yourself, however if you have multiple marks then I suggest a professional credit repair service.

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.

Wednesday, May 30, 2012

Free Calls To India From Iphone

There are varying methods of making free calls but most methods are passes though sharing credit card or other sensitive information and many of us don't like it. But today you are going to get real information and using that you can make 100% free calls to India as well as other countries.

A year ago had launched free international calling service but on that time service was limited to only selected countries and due to that some important countries were missing. But now days this service has updated his free calling countries list and freed almost all the countries which also include India.

But before going for service you should aware with the fact that if you register your Indian mobile number then you will not able to make free calls to India.

Free Calls to India is just six steps away

1. If you are already register with then you can use your existence account and if not then registration is foremost required.

2. After completing the registration process login in your account and start setting up your phone, pin and access number. (setup your US number/Google Voice number/ any other online number)

3. After completing above steps download application present somewhere on page. Download for any platform you like to use iPhone, Android or PC.

4. Enter the settings which your can find on page.

5. And at last call your access/ online number and then select any one from contact list you are interested to call.

Before the call connect you will heard a small voice advertisement but don't panic because it won't last longer. Just bears few second and you will find you call connected with your destination number.

General SIP settings for Call Arc
Username: your user name
Password: your password
Port: 5060

Tuesday, May 29, 2012

Off Lease And Repo Commercial, Work Trucks And Construction Equipment For Public Sale With Dealer Leasing.

In today's present day's unbalanced economy, the start up and experienced business has a rare occasion to buy an advantageous deal for off lease and repossessed commercial, work trucks and construction equipment for auction with dealer banking. Due to a contracting market, many banks have extra inventories on their books that they want to put furnish on the street. These in-house inventories are non income producing, therefore putting strain on the bank to make a deal with the consumer. These deals can be originate in the cost, the leasing or a combination of both.

An off lease commercial vehicle and/or cementequipment has been brought back to the financial institution as the lease has termnated. The lessee has made a assessment to return the item in lieu of excercising the buyout opportunity. A repo has arisen due to a failure to pay of the lessee for non payment conditions or a breach of the provisions of the lease. Either way, the bank has taken these trucks and/or equipment back and it is necessary to put them back into working order and either retail these work, commerical trucks and construction equipment or re-lease them. The financial institution will either advertise their listing through their internal sales force or outside professionals such as brokers to reposition their inventories as fast asachievable. At times as these inventories either sit or whatever reason isn't moving, the financial institution could put these items up for sale.

For this commentary, the form of items we are going to make out as prospective deals for the patron is the following

Dump trucks, boom trucks trucks, grapple and landscape trucks, fuel and lube trucks, bucket and concrete trucks, over the road and day cabs, water trucks, tow trucks, box vans and straight trucks, dry van and drop deck trailers, conclusion and bottom dump trailers, flatbed trailers, backhoes, bulldozers, crawler tractors, forestry equipment, excavators, backhoes, and other type loaders.

A quantity of of the ways the startup and/or experienced business can obtain these deals are through trade publications, surfing internet search engines, contacting lease brokers for information and speaking to lenders directly.

A quantity of the financial institutions in the marketplace have advertised personal credit qualifications. as little as 550, former bankruptcy rules amended or overlooked and startups acceptable. In addition, the front means to commence the lease can commence as little as first payment to whatever you might able to reach a deal.

In ending, this is a buyers marketplace for commercial and work trucks, commercial trailers, and construction equipment. Check out all the opportunities in the marketplace and make sure that you have a stable income base to assume anything debt that you could occur.

Happy hunting for your commercial truck and construction equipment acquistion and its related financing.

Saturday, May 26, 2012

Ibiza Hotels: San Antonio Or Ibiza Town?


San Antonio has some of Ibiza's cheapest hotel rooms which range from very basic hostel beds to all inclusive packages in faceless but fun highrise hotels. Although you can find cheap hotels in San Antonio, as the old adage goes - you get what you pay for. Because a central San Antonio location is prime real estate for clubbing holidays in Ibiza you do tend to pay for the location rather than the quality (or lack there of) of the hotel. A few minutes down the coast road in San Antonio bay you can find equally cheap Ibiza hotels but of a slightly higher standard.

Ibiza Town hotels are by and large aimed at a more discerning market. While you can find cheap deals out of season in the summer months you'll be paying full rack rates for Ibiza Town hotels which are on par with other international Spanish resorts like Barcelona or Madrid. Expect to pay in excess of 100/ night for a basic room in most Ibiza Town hotels. Ibiza Town also has a number of top or the range 5 star hotels which, as you'd expect, don't come cheap.

In the area

San Antonio is a great base for clubbing holidays and is perfect for big groups of party animals who want to be in the thick of Ibiza's famous nightlife scene. It has a beach, which following developments in recent years, is perfectly adequate if not especially picturesque. San Antonio harbour will connect you with regular boat services to all the best beaches or the nightly boat parties which happen throughout the summer. For families there's really not much to be said for staying in a hotel in San Antonio- there's better resorts on the east and north coasts for you.

Ibiza Town on the East Coast of Ibiza has a number of geographical benefits. If you choose a hotel in Ibiza Town you'll have easy access to the great east coast beaches which lye to the north and south of the capital (although Ibiza Town itself doesn't have a beach). The absence of a beach means you get easy access to the harbour and you're only a short drive from the airport.

Eating and drinking

San Antonio really isn't the culinary capital of Ibiza. You may have the choice of booking an all inclusive package for your Ibiza hotel, the food on such packages is rarely inspired but few restaurants in San Antonio are exceptional either with many of the tourist haunts serving generic fare. For drinking though you'll be spoiled for choice with stacks of bars from chilled out sunset cafes like the famous Cafe Del Mar or Cafe Mambo, bussling club bars in the West End or cool, characteristic places on the beach front like Bar M.

Ibiza Town is the place for foodies in Ibiza. Choose your Ibiza hotels in or around Ibiza Town and you'll have the chance to sample authentic Mediterranean cuisine in Ibiza's old town area set against a romantic backdrop. There's plenty of bars to choose from in Ibiza Town as well. The best are the classy cocktail places around the waterfront.


San Antonio comes alive at night. As most holidaymakers who book their hotels in Ibiza for San Antonio are young party people you can be guaranteed a good time if you stay here. At sunset the party gets started on the rocks around Cafe Del Mar. Later in the evening things get raucous in the pre-club bars of the West End where cheap drinks flow freely and loud commercial house music sets the scene. After midnight the party will either move to one of the out of town clubs like Amnesia or you can choose to stay in San Antonio at either Eden or Es Paradis, both world famous nightspots in their own right which attract world class DJ's each night of the week.

Ibiza Town isn't quite as rowdy as San Antonio. Although you can still find cheap music bars in Ibiza Town the mood is, on the whole, more sophisticated on this side of the island. Ibiza Town is also home to the original Pacha, one of the worlds most famous clubs which attracts it's fair share of DJ talent including weekly sets by the likes of David Guetta and Erick Morillo.

So now you've got the lowdown on each resort where will you stay for your Ibiza holiday? Whichever resort you choose you'll find a great range of Ibiza hotels waiting to accomodate you. Enjoy your holidays.

Friday, May 25, 2012

How Lean Can Benefit A Woodworking Shop

Everyone has felt the effects from the economic downturn over the past several months. Sales are down, income has been lost, profits have been reduced, and efficiency has been negatively impacted; resulting in increased operating costs. So the question becomes, what can be done to at least partially offset these economic issues? More importantly, what can be done to make my business even stronger once the economy improves? Well, most people understand that the key to survival and to building a stronger business is to develop and strengthen a loyal customer base. However, in order to do this, we must first understand exactly what our customers want, and additionally, we must understand what motivates them to want to do business with us. Think about it for a minute. When a customer buys a product, what do they want? They want the same thing we want when we buy something: quality (no errors), speed (on-time delivery), and reasonable prices (lowest possible cost). To be successful, it is important that businesses recognize that low quality (items with defects which need to be repaired, or reworks) and slow speed (product throughput or exit rate) are elements that make products more expensive. Note that these problems are contrary to customer expectations, and affect our ability to attract and retain long-term customers and to make a profit. So how do you achieve high quality, on-time delivery and low cost?

The answer can be found within the concept called Lean. Much has been written about this subject over the past few years, and many companies have embraced this concept and implemented lean within their organizations. Some have been successful; others have achieved moderate success. A few have failed along the way. So, what exactly is Lean and how can it benefit the small to medium size woodworking shop?

First, let's briefly take a look at the background of Lean. Lean has appeared under many different names such as Lean, Lean Manufacturing, and Just-In-Time. However, probably the best know name is The Toyota Production System, named after the company who successfully developed and implemented lean for many years to the point that it propelled that company last year to the number one position in automotive manufacturing. So can the system that made Toyota number one be applied successfully to a woodworking shop? The answer is a resounding Yes! The next question, then, is How? Lean eliminates the causes of waste, allowing processes to speed up product flow, improve customer responsiveness, and reduce cost; all of which are very important aspects to any successful business.
Although there are many, many aspects to lean, one aspect that can be addressed relatively easily in your shop is waste reduction. Waste is any activity that consumes resources (people, energy, machine capacity, etc.) but creates no value for the customer. Therefore, any element in the production of a product that adds cost and time that the customer is not willing to pay for is considered waste. In order to eliminate the causes of waste, we must first work towards developing what Toyota calls Eyes for Waste. Take a look around your shop by taking a Waste Walk. How many types of waste can you identify? Often we become so used to seeing something that we think that is just the way things are. However, that approach will not make you lean or help to reduce your operating costs. Simply stated, wastes (plural) drain operating cash out of your business. Therefore, the elimination/reduction of wastes is critical to the success of any business, no matter how large or small. Toyota's approach over the years has been to identify all the types of waste that drain cash out of a company and to attack those sources of waste. They have identified eight types of waste as follows:

1) Correction of product defects. This is the first type that readily comes to mind when we think about waste. It is making something with a defect, or something that is not acceptable in meeting customer needs. Look around your shop. Can you identify products that have a high defect rate? If so, ask your employees to document reasons for the defect (or defects) over a reasonable period of time. Look at the data that has been collected and separate it by cause. Do you see a pattern developing? Then investigate the most frequent cause(s) for the defect(s) and develop a corrective action plan to prevent the defect from occurring. The solution might be as simple as developing a jig or guide, making a machine adjustment or repair, cleaning, or developing a new procedure. It could be that all that is needed is a chart of machine settings or conversions by product.

2) Overproduction. This is the number one cause of waste. Since typical accounting systems treat inventory as an asset, why then would overproduction be considered waste? Overproduction is waste because something was made that is not currently needed. Cost was incurred to produce the product for labor, energy, material, etc., and to store the product. Storage space requires expenditures for buildings, lighting, taxes, insurance, racking, material movement equipment, maintenance, etc. Additionally, stored product runs the risk of becoming damaged, obsolete or lost. Get the picture? Money is tied up in something that has not been sold yet. This money could be better used by investing it for a return, using it in lieu of a securing a loan and paying interest, or using it to produce products that have a current demand. Look at your sales history and finished product inventory levels by item. Associate a cost with these inventory levels to see where the majority of cash is invested. Look for opportunities to reduce or eliminate tying up excess cash in slow-moving inventory.

3) Motion. Excessive or unnecessary motion is waste. Examples include multiple handling of product, movement of product from one area to another, and walking to get things such as tools, templates, setups, wood, glue, and components. Since the people using excessive motions are most likely being paid by the hour, guess what? You are actually paying those individuals to generate waste! However, it is usually not their fault. After all, they did not create the floor layout. In this case, a technique called a Spaghetti Diagram is useful in identifying motion/movement waste. Observe the person as they work and sketch a rough diagram of their work area. Draw a line with an arrow each time they go from one area to the next to perform an element of their job. Number each stop point in which work is performed. Then write a brief description of the work performed at each numbered stop point. When you are finished, chances are the diagram will look like a plate full of spaghetti! Work at eliminating or reducing wasted motions and walking (reduce the spaghetti) by locating needed items as close as possible to their point-of-use.

4) Material Movement. A Spaghetti Diagram can also be useful for moving materials. When the diagram is completed, examine it to determine how far and where materials are being moved. Are materials located near point-of-use (POU)? Can they be located in a better place?

5) Waiting. Idle time is waste. Do employees have everything they need such as materials, setups, components, tools, etc. available when they start a job? What about work instructions? Are work instructions, drawings, customer orders, etc. available when and where they are needed? Are they readable, understandable, concise, and accurate? Does the employee have enough information, too much information, and the right information provided?

6) Inventory. Excess inventory is waste. As stated above, it ties up operating cash that could be better used somewhere else; whether for earning returns, or used instead of borrowing money and paying interest. This does not mean that you can operate with zero inventory, however, it does mean that you should only have enough inventory on hand to service your customers until you can produce more of what they are buying. This will require you to work with your suppliers also to insure quick delivery on materials on an as-needed basis. As your business gets leaner (reduces wastes and develops faster throughput), strive to service your customer on a make-to-order basis, rather than relying on stockpiles of inventory.

7) Processing Waste. This type of waste falls under the category of over-engineering. Every processing step that a product goes through adds cost. Is the extra processing step something the customer really needs or wants? You may think that they want it, but have you really asked them? More importantly, is this additional cost for the extra processing something the customer is willing to pay for?

8) Underutilized People. Are you taking advantage of the knowledge, ideas, experience, and suggestions that your employees have to make improvements? If not, you may be missing out on one of the most important assets you have at your disposal to implement continuous improvement ideas and reduce operating costs.

There are many different aspects of lean, and instilling a lean culture within your shop is not something that just happens overnight. However, by applying the lean principle of waste reduction, improvements can be realized in your operation and a competitive edge developed; all through the benefits of shorter lead times, less material handling, lower cost for storage and floor space, and fewer customer service activities.

Wednesday, May 23, 2012

Using Ebags Coupons To Save On Your Next Luggage Purchase

Everyone is familiar with the hassle of starting a new school year or college semester. The summer is over and it's time to purchase a new booksack and accessories to haul around your gear in day to day activities. Or maybe you are starting a new job or looking for a replacement to your worn out briefcase. Whatever the case might be, finding quality, namebrand gear to hold your books and papers can sometimes be costly. You are always going to have to pay for quality, but you first need to know the options open to you in order to save a few bucks and possibley more when you set out to find youself new gear.

There are a number of online stores where you can purchase bags. is a great "find it all" store, but what happens when you need an entity that is a bit more specialized and really knows bags and luggage needs? just might be a place you need to look at.

First appearing on the web in 1999, has qucikly gained a reputation over the years as a premier stop for bag and luggage needs on the internet, sporting hundreds of brands of various luggage and travel accessories for college students all the way to businessmen. If it's made out of material and can hold something the chances that eBags carries it are very high. They've since expanded and now have sister sites in Germany and the United Kingdom. This is helpful for international shoppers. So many online stores limit themselves to the United States and Canada. Other then Amazon and eBay, few e-stores have expanded their horizons into other countries and continents.

eBags is solely an online entity, meaning that there are no brick and mortar stores a person can stroll into and to preview the merchandise. eBags doesn't produce their own brand of luggage, so you can basically go to any store where you live and check out the quality of any name brand/not store brand of bag and then check to see of eBags carries that particular model and brand. Previewing an item "hands on" will likely help you out since having to repack and ship off an item that doesn't meet your satisfaction takes time and money.

As many stores do, eBags offers various online coupons for potential customers to save on purchases when shopping through their website. These codes are released every month and often carry expiration dates. Coupon codes can expire the same month they are issued, but in some cases can actually last for many months. Their coupon codes aren't generally eligible to be used with certain sale or clearance items, but as always there are exceptions. Almost all their discount offers have conditions that must be met for use: such as your order being of a certain total dollar amount or a specific brand of item being in your order. Coupons generally work on a percentage off basis or a flat out dollar amount off per order and can usually only be used once per customer and are not stackable with other coupons, meaning you can't use more then one coupon per order.

In order to get the best bargain possible, you may want to wait until the right offer strikes you. Just because there aren't any discount offers you deem to be acceptable now doesn't mean there won't be down the road. eBags often offers free shipping codes plus a percentage off with some coupons (and 2 for 1 discount if you will) so waiting for the right moment might be your best bet in order to obtain the best deal possible. As with many things in life, patience is a key in this area as well.

Conditions must always be met when using online promotional codes. Therefore, it's wise to wait till you make an order big enough to justify the use of the coupon. Say a coupon is good for 15% off a 0 purchase you want to make sure you have a large enough order to meet the criteria of the special offer. If not, wait or get a friend to go in with you on your order. Keep in mind that sometimes you get higher percentage off coupons that require a larger order dollar amount, so you might want to plan ahead with others when school starts up to place one, larger order to maximize your savings.

You can typically find eBags coupons by using your favorite search engine. Google, Yahoo and MSN all give excellent results when searching for coupons. When it's all said and done, you can save allot of money shopping online if you just use your head and do a little planning rather then rushing through your order. Even paying attention to past or expired coupons can give you insight as to what offers might be released further down the road. When looking for discounts to ANY online vendor, always try to look at what past sales and codes have yielded to give you an idea of how much of a discount they'll offer from time to time.

When shopping online, you'll find that a large majority of the vendors give you various discounts that might not appear to be evident or obvious. Sometimes you have to work for them, but in the end a little elbow grease will save you a ton of money in the long run. After all, part of your online shopping experience should be not only ease of use and avoiding the day to day hassle of crowds and traffic, but to save some cash in the process.

Tuesday, May 22, 2012

Borrowing After Bankruptcy: 4 Tips On Improving Credit And Securing A Loan

Bankruptcy is a stressful process altogether, yet a great relief from most, if not all, of your overwhelming debts. Once the bankruptcy has been discharged, most people wonder if they would be able to borrow again. Besides giving you a clean slate, bankruptcy also puts a serious mark on your credit, signaling potential lenders that you have chosen to give up on your financial obligations once already. Bankruptcy filing may stay on your credit report for up to 10 years; however, it does not mean you would not be able to get loans and credit cards for that long. There are certain steps you may take to increase the chances of being approved for credit and to pose as a trustworthy borrower to lenders.

Get Secured Credit Cards to Boost Your Credit

Do not even dream of getting credit cards right after bankruptcy everybody you will apply with would simply reject you. While you may not be eligible for unsecured revolving lines of credit, most banks would gladly approve you for a secured credit card. The way secured credit cards work is very simple: you open a savings account with your credit card issuer, where money is held in escrow, and you get a credit card with credit limit being equal to your security deposit. Secured credit cards are being reported to credit bureaus in exactly the same way as traditional credit cards. As credit card debt accounts for 35% of your credit score, opening a couple of secured credit cards would greatly improve your credit ranking in as little as few months.

Show Responsible Banking Behavior

In addition to opening secured credit card accounts, it is recommended to demonstrate responsible banking behavior. Make sure you have both, a checking and a savings accounts open, and contribute a little from every paycheck towards your savings. Banks love people who are able to save, as they typically are more responsible and pose less risk of loan default. In addition, putting some money aside every pay period would help you to build an emergency fund for unforeseen expenses. Needless to say, that you should not bounce checks and go over your available checking account balance, as such is a clear indicator to lenders that your finances are a mess.

Apply for Small Loans First

Nobody is going to lend you a good chunk of money right after bankruptcy. However, few lenders may entrust you small amounts, typically ranging from 0 to ,000. While interest rates and terms on loans for people with freshly discharged bankruptcy are far from desired, such loans give you an excellent chance to prove that you have learned your lesson and are responsible with borrowing money. In addition, personal loans report to your credit file, further improving your credit score and reestablishing your credit history.

Use a Cosigner

If you have a family member or a friend whom you may ask to serve as guarantor on your loan, you should definitely exercise such an opportunity. Using a cosigner not only improves your chances of securing a loan but also saves you a good deal of money, as cosigned loans have lower interest rates and fees. Before taking a cosigned loan out always ensure you would be able to repay the loan on time, as failure to make your scheduled monthly payments would make your cosigner liable to repay the loan.

Despite following all above tips on improving credit rating, some borrowers may experience difficulties obtaining loans from traditional institutions: banks, credit unions, and credit card companies. The best way to secure a loan after bankruptcy is to use the services of nontraditional online lenders, as they have less stringent application requirements and are able to approve people even with major credit problems.

Anomalous behavior of the debt collection agencies

Violation of norms set by Fair Debt Collection Practices Act: The FDCPA or the Fair Debt Collection Practices Act envisages that a debtor should not be harassed while debt collection. The FDCPA was framed to safeguard the rights of the consumers (debtors). There are many debt collection agencies or firms operating in different regions. These firms are entrusted with the responsibility of collecting debts from debtors who are defaulters in loan repayments.

Earning negative accolades:

Allied Interstate is one such debt collecting agency who has become popular for wrong reasons. Reports suggest that this agency has harassed many a debtors and has earned negative publicity in the process.

Will they really stop

Reports also suggest that there have been several instances when the company was sued for inflicting mental injuries to the debtors by way of such harassment. This may bring some amount of relief to the victims (of harassment), nevertheless, its effectiveness is difficult to fathom. Surprisingly, there were few debtors who were harried even though they did not owe a single penny to the creditors.

In fact, experts are of the opinion that the Federal Trades Commission has registered the maximum number of complaints as compared to any other industrial sector.

The FDCPA demands.

The debt collectors are required to inform about the norms of debt validation. They also explain that the debtor is not required to shell out the debt amount unless, it is so proved.

Given below is a list of some of the ways in, which debtors were treated while debt collection.

Harassing activities adopted by the representatives of the debt collection agency- Allied Interstate:

Use of abusive languages while talking to debtors

Contacting acquaintances (family members, friends and relatives) of the debtors and threatening them.

The debt collectors stressed on debt settlement without the need for any documentation related to the same.

There have been instances when they (officials) belonging to Allied Interstate called up wrong people who actually had no debt accounts at all.

The officials at Allied Interstate usually have a tendency to sneak into the credit reports belonging to the debtors irrespective of the fact that whether they were granted permission or not.

Often they may leave numbers, which may not exist at all.

Handling misappropriations and malpractices of Allied Interstate: The above activities would get a worthy reply provided debtors adopt the following strategies.

The first and foremost thing a debtor should do is being well (if not thoroughly) acquainted with the laws governing debt settlements in their state.

The debt collector should be aware that the debtor has sufficient knowledge about the proceedings of a debt settlement lest he may fool the debtor.

If a debtor is opting for debt reduction, the same has to be taken in written from the officials of the Allied Interstate. In such instances, verbal assurance is of no use. If required, the document may be produced for future reference. By doing so, if the officials of Allied Interstate deny any commitment, the document would serve as a testimony.

Sunday, May 20, 2012

The United Mileage Plus Platinum Business Card - How To Gain Points for Business Travel

United Airlines has teamed up with Visa in order to bring small business owners a credit card that offers the opportunity to grow your business through readily available funds while combining the usage of the card with United Mileage points to help take some of the costs out of your airline travel. This is an ideal card for a business owner who flies a lot in order to make the business a success.

Your points will begin to accumulate immediately after you start to use your United Mileage Plus Platinum Business Card. After your first purchase using the card, you will automatically receive 17,500 free points on your account! After the initial bonus, you can look forward to receiving various miles depending on your purchases. Purchases through United will earn you 2 miles for every dollar you spend, up to a maximum of 150,000 miles. For every other purchase, you will receive one mile for every dollar spent.

In addition to the miles you can accumulate, the United Mileage Plus Platinum Card offers users Travel Certificates. These certificates include a free one way, 1,000 mile one class upgrade certificate and a United travel discount certificate.

Because the United Mileage Plus Platinum Card is made available through Visa, users of the card are entitled to all of the benefits Visa offers. Some of these benefits include 24 hour emergency and travel services, and the ability to monitor your credit card account through secure online channels.

As with other air points credit card programs, the United Mileage Plus Platinum Card charges a fairly high APR of 17.99%. There is no introductory period, so users of the card are charged this fee immediately. There is also a annual fee that you must pay in return for the ability to use the card.

As far as other APRs, this credit card does not offer very competitive rates when compared with other cards. Balance transfer APRs when you wish to consolidate your outstanding balances are 18.24%. If you use the card to secure a cash advance, you will be charged a 24.24% APR. There are also fees for both services of 3% of the amount, with minimum fees applicable, although there is a maximum fee of on balance transfers.

This particular means of achieving credit for your business includes a minimum finance fee of and a grace period of 20 days. Default and other fees are also fairly high; default APR is calculated at 32.24%, while late payment fees are charged if under 0 and if over 0. Users of this card may also want to be aware that there is a 3% transaction fee if they wish to convert money into foreign currency, either into US dollars or into a foreign currency.

The United Mileage Plus Platinum Card also incorporates a lot of fine print in its agreement, so make sure that you take the time and are familiar with the terms of the application process.

Auto Title Loans In Arizona And What They Mean For Drivers

With a weak economy and unemployment rates running around nine percent, Arizona residents may find themselves strapped for cash at times. If those residents own a vehicle, auto title loans in Arizona offer a quick cash source.

The biggest advantage to drivers is that the loans can be obtained quickly. If you hold the title on your vehicle and it is titled in Arizona, you can get approved for a title loan in under an hour in some cases. You do not need a credit check, either. Whether or not you can obtain the auto title loan in Arizona is based on how much your vehicle is worth not how high your credit rating is. This means that depending on the value of your automobile, you can borrow up to fifty thousand dollars.

The reason this can be done is that auto title loans in Arizona are secured loans and your vehicle is the collateral securing the loan. Because the loan is secured, you will find that the interest rates offered are very competitive. Should you default on the loan, the title loan company holds the title to vehicle, which can then be sold to recoup any unpaid amount. To keep your loan current, you simply need to make sure that you pay at least the interest portion on the monthly payment each month. If you want to pay off the loan faster, then you just pay more. Any amount over the interest due will go towards paying off your principal balance.

Drivers can also use auto title loans as a way to refinance an existing auto loan at a lower rate and still get money out of the deal. With this situation, the loan company pays off your loan amount and gives you any difference. You are then repaying the Arizona auto title loan company at a lower interest rate rather than the bank.

Once you have the money, you can use it for whatever financial needs you may have whether it is to pay off personal bills, make ends meet or using it to expand a small business.

Saturday, May 19, 2012

Make Your Online Store Rock With Smart Shopping Cart Solutions !

Advancement of internet technologies has made lives of modern shoppers easier. They can simply buy the products of their choice without having to hop from one departmental store to the other, and that too at a few clicks of the mouse. This way it saves their time and effort.

Nobody likes to visit a crowded shopping mall at weekends after a hectic schedule at office. Customers can now shop with their heart's content from the comfort of their home and office. However, the task will be not that easier and hassle free without smart shopping cart solutions.

Here the discussion will be carried forward on how more functional carts can be developed.

Apt Management of Inventory

Your online store will rock if your designer can integrate an inventory control feature successfully. This feature will help you to track your products. This advanced attribute will also notify the site owner when he is running on low stock. It will help you add more items to the cart whenever the stock is exhausted.

Discount Calculation

A user-friendly cart is one that allows consumers to ascertain rates of discount when bulk purchases are made. Integrate a calculator that is simple to use, and not too complicated. Make sure the discount is calculated on the number of products a consumer buys.

The more a customer buys, the more is the discount. It is also a smart marketing strategy to increase the sale of your online products. More discount implies more revenues.

Automatic Invoice Generation

Customers shopping experience can be made more richer by integrating online shopping cart solutions like automatic generation of invoice. When an order is finalized, the automated system will generate a customer invoice in an instant.

Adding Gift Vouchers

If your shopping cart page has gift coupons or vouchers, there is nothing like it. This strategy will help in attracting more visitors to your e-commerce site. It is not necessary that all visitors will buy from you, especially those who haven't heard of you before. With attractive gift vouchers, you can turn new visitors to your loyal customers.

Smart Calculation of Tax

You can improve the functionality of your store by setting up different tax rates for different merchandises or nations. The tax calculator should be part of the cart page, and automatically calculate taxes when a customer checks out. Make sure it is calculated based on the final bill, or ascertained as per the product's tax.

Offline Payment

There are some customers who feel skeptical revealing confidential details of their credit or debit cards. They feel that e-commerce transactions are not secure. What should you do in such a case? Ignore such customer? No way ! The best way is offering offline payments alternatives to such customers. This implies that payments will be processed physically.

This way you don't lose valuable customers, and at the same time your customers feel satisfied as they are not forced to divulge confidential data online.

Product Categorization

This is the most crucial aspect of any e-commerce site. Customers come to your site, they look for products, and buy them. Their search for products can be made fast, easy and convenient by apt product categorization. Designers from website design company India agencies focus more on categorization. They categorize items as per prices and brands. This helps customers to choose their preferred items with ease.

Thursday, May 17, 2012

What On Earth Is a Proforma Income Statement And Does It Really Help Make Good Real Estate Investment Decisions?

The proforma income statement (or proforma) is regarded as a real estate investments report that investors and analysts normally use when it comes to predicting the revenues a rental real estate asset might produce for a prospective owner over time. Here's the idea.

As a result of projecting out across a certain number of years the income that the investment property could very well create, investors and analysts have the ability to undertake a profitability evaluation that will make it easier for them to measure the future over-all performance of a property. Thus lending support to their investing decision-making process.

There are no constraints over the amount of years that you would like the proforma income statement to present. I have spotted proformas (for instance) that provide statements which range from ten to twenty years; a few software companies in fact boast that their application delivers thirty-year estimates. In spite of this, I honestly think that these kind of longer span forecasts can turn out to be too unreliable to generally be granted very much weight. You will discover just too many factors which can affect any sort of cash flow estimate (even more so for that many years). So if you are using a real estate investment analysis software solution that generates a ten-year proforma income statement to conduct your rental property evaluations you can regard that sufficient.

Similarly, a proforma is not limited to the assortment of fiscal details it unveils. A first-rate statement will need to (at the very minimum) project annual (end of the year) results for income flows, rates of return, and the proceeds that are the result of a sale (known as reversion). However the better proformas additionally include the aspects of tax shelter; thereby enabling real estate analysts to also consider the the "after-tax" returns generated by the property. This is important. The income tax liability an investor encounters during ownership of the property plays a crucial role on whether or not the property is a profitable investment opportunity. Therefore it is smart to use a proforma that includes full consideration for income taxes.

Okay, but aside from all of that, there are two overriding issues crucial for you to consider.

1) That regardless what features and data you prefer, the proforma must accommodate your business objectives and show you the data you require to make a real estate investment decision.

2) That the forecasts you intend to make are relying on solid data. No proforma income statement is good for anything other than lining the birdcage if the data is faulty. When making your projections, for example, when you believe that rental cash flow can reasonably appreciate two percent a year than drive back the urge to bloat that number to three or four percent simply because you pray so. You may even look at staggering the amount of growth merely to be safe. Maybe three percent appreciation in year two, two percent in year three, and zero percent for the remaining years.

How do you go about obtaining a proforma income statement? Naturally, you can create your own with an Excel spreadsheet and some surplus time. In fact, a whole lot of surplus time. On the other hand you can consider just investing in a good real estate software program that will create the statement for you. Regardless, whether you make it yourself or invest in software, you definitely don't want to be without a proforma the next time you get around to investing in investment real estate.

Debt Consolidation Or Credit Counselling: Which Should You Get

Debt is a common part of any economic activity as there are instances when consumers do not have enough money to acquire their needs. But sometimes, people go beyond their prescribed limit when it comes to getting credit and end up with more expenses than they can actually afford. This is where problems occur. Most of the time people end up honoring their dues by adjusting their spending habits. But sometimes, this is not even enough. This is where debt consolidation or credit counselling comes in. And they are complementary but totally different approaches to debt management.

Debt consolidation involves paying multiple outstanding credits using one loan, with a lesser interest rate and a more tolerable payment term. It allows people to effectively monitor what their dues are and respond to them on time, with the right amount. It can be done straight cash or through a credit card system. And among its benefits is that it streamlines your debt records and makes it seem like you have a good credit background. Its accessibility is limited to those who actually have good credit scores. Nevertheless, folks who have below 700 may be privileged to get it but they stand to provide collateral, get a guarantor to vouch for them or accept a much higher interest rate that their colleagues.

Credit counselling meanwhile, takes a less active stance towards debt management and mainly just assists people in recognizing where they are when it comes to paying their loans, how to handle multiple transactions and then which should they should prioritize first. It is facilitated by a credit counsellor who will examine their entire financial condition assets, income and debt all together. And together with the party involved, will draft a repayment plan so you could be empowered to resolve all your money issues on your own. Anyone, regardless of what his or her credit rating is can avail of this intervention. The only difficulty associated with it is following through.

No doubt, both approaches have different benefits and lessons to impart. But they do mirror each other when it comes to disadvantages. For one, debt consolidation or credit counselling do not eliminate debt. They just rearrange it in a way that makes it easier for you to address. Second, it is a process. It's not like you can just snap your fingers and everything falls into place. Both take time to put into action. And third, they require your complete commitment. It may take months or years before you finally resolve what outstanding credit you have through both methdos. So you can't just give up and walk away from either if you feel like it.

Some experts believe that the choice on debt management is never debt consolidation or credit counselling, but rather a mixture of both. See, one cannot truly resolve their problems when it comes to their finances if they are not given the chance (which debt consolidation provides) as well as the knowledge (that credit counselling offers) to successfully go at it.

Monday, May 14, 2012

Pilot in Alabama Plane Crash Found to be Fatigued

Alabama - Whenever anybody hears of a plane losing altitude and crashing, the immediate assumption is that there might have been something wrong with the plane. When you hear the term 'pilot error,' you assume that the pilot made an error in judgment. When you hear the word 'stall,' you assume that something was wrong with the plane's engine.

However, various assumptions that might have been made surrounding a plane crash which took the lives of two people last December in Randolph County, Alabama were put to rest this week, when it was determined that a contributing factor to the crash was, indeed, restor more correctly, lack thereof.
Flight Instructor and Student Pilot Killed

It was December 7th of last year when a single-engine Cessna plane, built in 1978 stalled, went into a nosedive and crashed into a hillside near Bethel East Church. Both occupants of the plane, a flight instructor and her student pilot, were killed in the crash. Emily Clark, 28 of Madison and her student James Brown, 37 of Huntsville were returning from Orlando where Brown had been attending a conference.

A probable-cause report issued by the National Transportation Safety Board (NTSB) on Wednesday served to dispel some of the myths that may have been circulating around the tragic airplane crash just a few weeks prior to Christmas last year.
Age of Plane Not a Factor, But Pilot Fatigue Was

The plane, although nearly 30 years in the air, was mechanically sound. Thus, causes of the airplane crash were listed as unknown forces responsible for a loss of control of the aircraft, together with an 'inadvertent' stall.

Crew fatigue was noted as a contributing factor.

The word 'stall' in this context has nothing to do with the engine. Encountering a condition of stall in the air is not necessarily the same thing as stalling the motor in your car, or the outboard on the fishing boat at the cottage. Rather, 'stall' in this context relates to a lack of lift pertaining to the wings of the aircraft.

According to Alex Lemishko, assistant deputy director for the NTSB's regional operations, something caused the pilot to lose control of the plane, which in turn put the Cessna into a maneuver where the wings could not generate sufficient lift to keep the plane in the air.

While there was no conclusion drawn as to what might have caused the plane to go into a stall, a previous report into the accident revealed that both Clark and Brown had been awake for 20 hours without sleep at the time of the crash. Thus, speculation that the pilot may have become sleepy while at the controls, fatigue which is believed to have been a contributing factor in the crash.
Fatigue a Common Factor in Accidents

There have been many examples, over the years, in other industries where fatigue has been a factor in accidents. Truck drivers are required to keep detailed logbooks of their waking, and sleeping hours, lest they push the limits for reasons of efficiency and profit, and risk harm to themselves and others on the road in the process.

To that end, extreme fatigue while driving, and the impairment that results, has been likened to alcohol impairment: reflexes are slow, and judgment is poor. Is the person up ahead in the car in front of you weaving because he is drunk? Or sleepy?

There are strict regulations for both commercial, and private pilots with regard to rest periods. In the end a well-maintained and mechanically sound plane is only as good as the pilot, who is charged with making a myriad of important decisionseverything from having the wisdom to defer to poor weather if conditions warrant, to properly loading the plane to safe parameters.

And ultimately, piloting the plane safely. If your life has been put in danger by a pilot who has had too little sleep, know that pilot fatigue is an actionable offense.
Contacting a Wrongful Death Lawyer

When you need a lawyer who will exhaustively investigate your case and make sure that every responsible party is held accountable, contact The Killino Firm, where Keeping America Safe is our primary goal. To speak to one of our attorneys, please call us toll free at 800-815-2603, or contact a Philadelphia wrongful death lawyer via email. We will respond promptly to your inquiry so that you can experience The Killino Firm Difference.

Sunday, May 13, 2012

Difficulties And Benefits Of Being A Single Parent

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Barrie Real Estate Investor's Buying Barrie Real Estate

Spring Presents Great Time to Start Investing in Real Estate

With the warmth of spring creeping back and the last of the snow melting, there is a renewed energy and positive mood in the air. The return of spring also means an influx of houses, condos, townhomes, and more to the real estate market. Investing in real estate is often a very safe way of investing your hard earned money, either as a first time home buyer, or looking for a second property to rent. Let's look into each situation as each provides a different type of investment strategy.

Investing in Real Estate as a First Time Home Buyer

You've been paying rent for the last couple of years and while you enjoy the house or apartment you are renting; how much return on that money have you seen? Zero, maybe a small increase on your tax refund, all in all not a whole lot. An average basement apartment in Barrie rents out for between 0 to 00 per month; while an average house rents for 00 to 00 per month, plus your own utilities. That's a lot of money that you'll never see again.

Typically, when paying rent you are paying down your landlord's mortgage on the property and covering the cost of the home insurance on the property; and possibly even putting a little extra cash directly into the landlord's pocket. Seems like a pretty one-sided deal. Why not invest in a home of your own, so you pay down your own mortgage and build equity. That equity can help you do a lot of things, such as providing a down payment on the next house once your family grows out of this one or can help you pay off other debts when you refinance at the end of your term.

A mortgage is often going to be less per month than you would pay in rent, of course that is dependent on purchasing a similar house to what you are renting. Another great reason to look at investing in a home is mortgage rates are still very low, meaning you can get a great rate and be able to pay down the principle of your mortgage even faster.

If you're worried that your credit score or lack of a down payment may hinder you from being approved for a mortgage there is always options available such as co-signers, rent-to-own, and zero-down mortgages. Don't give up on the dream of investing in a home before you've even explored all of your options.

There's also the plus of being able to do renovations to the house that will help increase the property value, eventually putting money back in your pocket when you go to sell, but also turn the house into a home while you are living there.

Investing in Real Estate for Renting

You've already made the smart move of investing in your home but now want to look at real estate as another investing tool to help you make the most of your money. Purchasing a second property to rent can be a solid investment strategy if done right. The first thing you should consider is location of the property and will renters find this a positive area to be in? The obvious choice to purchase a second property in Barrie is around Georgian College or a property in close proximity to Base Borden. These two areas have high turnover rates due to the nature of being a student or in the military. You might have to put in a bit of extra work renting it out every year or two, but the number of renters looking will be much higher.

Once you've found the property, it's time to establish a rental rate. The goal here whether you choose to rent the entire property or rent out rooms individually is to make sure you charge enough to cover your mortgage and home insurance for the property. It's also good to look into landlord insurance as added protection. If you do decide to charge more than the mortgage and home insurance to put some quick cash in your pocket, make sure to set some of it into a savings account for when repairs are needed at the property. Don't forget general repairs are your responsibility to fix as the landlord.

So what's the value of a second property? Well once you look past your responsibilities as a landlord, you have somebody else paying down your mortgage for you. This means you are growing your equity with someone else's money, sounds good doesn't it? The key to investing in a second property is to make sure that you be a great landlord. Renter satisfaction increases if they have a landlord who is responsive and helpful when needed but is not intrusive. Also do your research and make sure your tenants will be respectful of your property while they live there. If your property isn't taken care of you're not helping the tenants or yourself in the long run.

Flipping Properties

Investing in a property to flip and sell is a risky venture and far less stable than investing in a property to rent. There are no guarantees that you will be able to flip the property quickly and you may be stuck holding onto a property you can't afford. There's also the high investment level of cash that is needed to improve the property quickly. Even if you plan on renovating yourself it will still be expensive and time consuming.

If you want to start flipping properties, do your research and invest wisely. Never try this method of investing in a property on a whim, it will never end well. With that said if done well you can sometimes, the keyword is sometimes, turn a quick profit from a property.

Quick Recap of Items to Consider When Using Real Estate for Investing

Carrying a mortgage is often less than what you'll pay for rent
Options like rent-to-own, zero down mortgage options can help you achieve home ownership faster
Find the right location for a second property that will consistently be able to find new renters
Be a good landlord and you'll get good renters
Flipping properties is risky but profitable, only try this after doing your research and making a plan

Mark Turcotte
Sales Representative
Sutton Group Incentive Realty

Wednesday, May 9, 2012

Selling Car Parts On Ebay, A Simple Start Up Part 3

Delivering The Parts

Always use recorded or 'signed for delivery' with a tracking number. That way there is a record of the item being posted and of its delivery. For expensive or fragile items such as glass, lights and instruments always use insured delivery for the full replacement cost of the item (i.e. how much you would have to pay to obtain a second hand replacement). Make sure you cover your back 99.99% of customers are honest but you will encounter one of the others sooner or later.

Always ensure that parts are shipped in suitable protective packaging. No matter how much care our parcel services take inevitably losses and damage occurs so cover all contingencies and follow the advice above.

Accept as many forms of payment as you can, make it easy for the purchaser to pay you. Accept checks, PayPal (if you have a business account you can accept credit and debit card payments) always offer a 30 day Return To Base no quibble warranty on all parts, this will instil confidence in your buyers.
Breakers yards do substantial business and there is no reason to suppose that you could not do the same on a smaller scale. You may even decide to specialise in one make of car.

So you really need to focus in one area to see if you can find a profitable niche to trade in. Let us look at car valeting and valeting products.
Build Your Business

Look at adding value to your business by selling a complimentary range of products, even a basic search for Car Parts returns 1,769,742 results, we really would have to be talented not to find an area we could profit from.
This search returns a more modest and manageable number of products.

The car accessories sub category has a lot of products listed so this might be a good area in which to start our research. By changing our search words and using variations on them we will obtain different results. It always pays to think like a buyer and not a seller.

We could look at selling all manor of add on products, just spend 30 minutes or so browsing the category to see the range of products for sale. Use the completed items search to find items that are hot sellers, this will give us a starting point for sourcing similar products.

Next step is finding a supplier, we can use wholesalers to obtains stock but the difficult part is how to find them. China the major player on the world stage for the manufacture of all types of products covering a multitude of niche areas. It is a lot easier to import products than is commonly thought.

Finance Books to Learn and Manage Your Money

Personal finance is hard enough as it is. It's absolutely daunting to doing the whole thing by ourselves, especially if we're not very well-versed in keeping logs of earnings and expenses, calculating our own net worth, reducing debts, and managing our finances by ourselves. We could all use a little input from experts, especially when it gets really confusing and we don't know where to start. Here are several finance book recommends:

Total Money Makeover by Dave Ramsey

Dave Ramsey is a great material for looking up information about personal finance. There are hundreds if not thousands of people who are inspired to get their finances straight all because of the Total Money Makeover book.

The book also tackles debt reduction by giving great advice on how best to approach this problem and gradually take shed off the ball and chains to their finances. It is especially for those who are just starting out.

The unique thing about Dave Ramsey's book is that it includes Christian thinking and values, as well as bible teachings that he relates to money. If you're the person who isn't bothered by religious thinking seeping inside a finance book then this book is for you. There are Dave Ramsey fans accumulated over the years, sticking by to what they learned from the publications to help them get over their financial difficulties.

Five Years to Financial Freedom by Morris Kaplan

The book is unlike any other because it presents a somewhat clearer and more defined rule on how to fix your finances over time.

It helps you answer the questions you ask when you find yourself in a financial constraint. It tackles how people spend more than they earn, how to change jobs, how money affects your relationships. This book helps you realize several aspects of your life that money plays a part of.

It doesn't promise that you'll get rich overnight, but what it does is give you a huge resource of information on how to clear all bad debts, paying for mortgage, start investing, branching out, looking into tax benefits and saving money.

The Wealthy Barber by David Chilton

Some people have noticed that this book is one of the most well-loved finance books of all time. The Wealthy Barber provides sensible advice, deep insights into finances how it affects our lives. It is incredibly easy to take in as the book is written like a story or a short, light novel.

The book is always recommended for those who are venturing out in understanding personal money management, because even if you don't have much background on finance and accounting, it will not be difficult for you to understand.

The Wealthy barber guides the reader to implement the steps in managing their money by thinking of what we truly want in life and how we can get it. It also has a great chapter on getting rid of materialistic thinking, getting spending under our control and minimizing our debts.

For the Young, Broke and Fabulous by Suze Orman

Suze "Suzy" Orman is a famous household name. You can see her in the news, hear her name on the radio, and her face is plastered on countless publications. She is famous for her personal finance books that are sold worldwide and known for her straight-talking and no-nonsense approach to money and debt.

The book "For the Young, Broke and Fabulous" has garnered a lot of following because the message hits the younger generation, targeting their lifestyle and giving out advice on getting started in the workforce, making the best out of your first few years on the corporate ladder, and following your dreams without sacrificing your future. Suze Orman discusses how the young generation has so much potential in them and how they can save, eliminate debt, and have enough to experience life at its fullest.

Rich Dad, Poor Dad by Robert Kiyosaki and Sharon Lechter

The book has changed thousands of its reader's outlook on how they lead their life. Rich Dad, Poor Dad is all about acquiring financial knowledge and know-how. It illustrates to us how our perspectives about what it takes to be successful in our own rights. It provides practical guidelines including how to build wealth and buy assets, avoid debt and liabilities, planning for the future while living your life today, and how to go rich by living within your means.

Rich Dad, Poor Dad is full of amazing insights about money in general. Learning about your next step, and knowing the difference between an asset and a liability.

Saturday, May 5, 2012

Contests to Earn Money: Take Part and Try Your Luck

Earning money is the primary goal of every human being today. As one can easily understand, without money, there is nothing in this world today. So people are looking for different ways of earning money. Among them, they are always getting attracted towards winning money by passive ways. There are several large numbers of passive income earning ways and among them, contest to win money is an important way of earning money. There are several different contests to earn money in world and all that one has to have to earn money by these contests is a good general knowledge and several other soft skills.

Quiz is an important contest to win money. There are several contests conducted by different agencies which distribute huge amount of money as prize. 'Kaun Banega Karodepathi', shortly known as 'KBC' is India's most famous quiz program. This program is being conducted in Delhi and famous bollywood actor Amithabh Bacchan is the man who runs this program. Once it was stopped and had restarted, with Shah Rukh Khan replacing Amithabh, but after a few days Amithabh got back his position in the contest again.

Those who want to contest in this program have to answer a question at first by phone. If that answer is correct, he will be invited to Delhi to sit in hot seat in front of Amithabh Bacchan. There are 15 questions, starting with Rs. 10,000 and ending in 10,000,000. There are three lifelines in entire quiz, namely phone a friend, 50-50 and audience poll. These lifelines can be used at any time of the quiz. There is negative evaluation for every question, that means you earn some amount of money for a question and you give wrong answer to next question, your earnings will be deducted.

Here is the structure of this quiz contest. It is like a three phase quizzing program, each phase containing five questions. After you complete every phase successfully, the amount which you earn at the end of each phase will be guaranteed to you. If you give wrong answer to any question at any stage in any phase, your earnings will drop to the earning of first question. For example, in first phase, you will earn Rs. 10,000 for your first question. For the fifth question, you earn 160,000. After you answer all five questions correctly, you are guaranteed of 160,000 and there is no further deductions in this amount, but if you lose anywhere in the middle of this phase, your earnings will drop to Rs. 10,000.

There is another contest to win money namely 'Savaal Das Karode Ka' and in this contest, prize money is 100,000,000 instead of 10,000,000. In this program, Anupam Kher is the person who asks questions in hot seat. Recently such contests have been started in many regional languages of India, including Kannada. In Kannada, famous film actor Puneeth Rajkumar runs a program namely 'Kannadada Kotyadhipathi'.

No matter whatever may be the name of different quiz contests conducted by different channels, all that is needed to participate in these contests is a good general knowledge and a little bit of luck. Try to take part in one and who knows? One day you may earn a crore by winning some contest!

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Thursday, May 3, 2012

Why To Invest In Kochi

Cochin, also acknowledged as Kochi is a gorgeous city situated in the South West coast of India. Kochi is positioned in the God's Own country of Kerala, with spectacular landscapes of Arabian Sea, coconut trees and beautiful boats. The city of Kochi is also acknowledged as the "Gateway to Kerala" and frequently known as "Queen of Arabian Sea". In comparison to other Indian tourist destinations, Kochi is calm and hygienic. The rainy season is between the months of June and September and the standard temperature is about 22 to 34C.

Kochi is the rapidly developing city and the real estate market in Kochi is thriving at present. Apartments near Cochin International Airport cost from Rs 2, 50, 000. There are hotels up to 4 star, gorgeous holiday villas and not to mention, the Panchakarma treatment centers. These are just a few good reasons why to purchase a property in Kochi. In fact for most of the people these days, wealth stays put in property and building. And with expansion of private real estate possession, it has turned into a foremost business area for many.

The housing sector in Kochi is on the increase exponentially owing to elevated demands from NRIs and real estate property investors. Roughly 2 million NRIs living overseas are making enormous investments in the residential spaces of Cochin supporting the trend of luxury and expensive apartment houses. Gone are the days whilst people might spend their whole life in an age old house devoid of ever wanting to leave it. The generations of these days desire to purchase the most lavish and most comfortable spaces that evidently mirror their class and style. Building of luxury apartment houses that proffers impressive choice of housing with a host of facilities is the new agenda of property developers in Kochi.

The high livelihood standards and the equivalent demand for lavish housing property in Kochi are probable owing to a number of reasons. Some of them are:

Growing disposable earnings of the middle class people.

Reasonably priced properties obtainable rather effortlessly.

Housing of travelers working with different organizations in the city.

The unending development of Indian corporate, MNCs and IT Parks.

Long-standing investments from NRIs into real estate projects.

Enlivening of market much earlier than expected.

The port city of Kerala, Kochi is being graded as the 2nd probable city for investments in IT sector by NASSCOM. Though a substantial number of Kerala inhabitants reside in foreign countries, real estate sector in Kochi has at all times been the topic of NRI interest. Of late, the rush generated by invasion of IT/ ITES based organizations in the property markets has also resulted in towering real estate property values in Kochi.

A great number of workers are settling in the city and the demand has evidently had their impact the capital costs and rental charges of properties here. Yet, the NRIs have no twinges over the similar and property investment in Kochi is still one of their preferred alternatives.

Wednesday, May 2, 2012

The Hollywood Studio System During The Golden Age

During the Golden Age of Hollywood, five major studios (also known as the Big Five) were the top profiting studios within the film industry. MGM held the top spot for eleven years (1931-1941), with 20th Century Fox firmly in second place. Paramount profited very substantially during the early sound era (1928-1930) and after a slow period during the 1930's climbed back to profitability during the booming 1940's. Warner Brothers and RKO Radio Pictures remained stable until the late 1940's when RKO began to decline.

The Hollywood Studio system created by these five major film studios is credited with developing most of the legendary stars of the Golden Era. During the early years of film production, studios would invest a great deal of money to recruit, groom, and then sign to contracts those stars who possessed the greatest talent potential. This method of self-development came to be known as the "star system."

In 1935 the emergence of the talent scout system" came into being. This meant that undiscovered talent from outside of the studio had a chance to be discovered by a talent scout who would then represent his client to the studios in the hope of obtaining a contract.

In an effort to find this undiscovered talent, these scouts would constantly monitor Broadway, vaudeville, and radio. On occasion, they would randomly discover a potential star out in the general public based on their style, first impression, or simply good looks. A perfect example of this is Hollywood legend Lana Turner who was discovered drinking a root beer on a bench outside of a diner by a talent scout who thought that she had the perfect look for a part in an upcoming movie.

Performance contracts within the studio system were very strict, and encroached on the social life of an actor or actress. Many allowable social activities were scheduled by the studio as a promotional technique to bring their stars more press and attention. This, in effect, meant that the star was now the property of the studio and that many aspects of their personal lives were under the complete control of the industry.

Most of the star contracts during this period were seven years long, with a six month option for contract players. Should the star prove to not be as popular as the studio had wanted and not generating enough of a profit at the box office within six months, the studio could revoke the contract. However, if they did well, they could be given a higher salary until the option period of their next contract.

These contracts gave the studios complete control over the actors, including the right to make the actor accept any role chosen by the studio whether the actor was interested in the role or not. These contracts also provided the studio the right to loan, and receive a fee or other mutually agreed upon arrangement, their stars to other studios with or without the stars consent.

Due to the restrictive nature and enforcement of these contracts, many stars often found themselves playing roles that they did not want, or were just opposed to. It could be a tough trade-off; and ultimately, in order to be a contract star during this era you had to accept the fact that you, the actor, had no control over your career and were at the mercy of the studio.

The old Hollywood studio system of star control ended soon after the Golden Era. The film studios were eventually forced into shutting down their monopolizing system allowing entertainers and other film professionals, both independent and foreign, more creative and rewarding control over their careers.

Tuesday, May 1, 2012

The Way Forward For Gold Jewellery?

It has been nearly impossible recently to escape from the news regarding the changing gold price. For those of us that have been investing in gold for several years this is obviously good news but more and more people are now jumping on the band-wagon. There is a saying about horses bolting and barn-doors and all that but as far as I can see the conclusion of all this is as follows:

1. It is becoming increasingly difficult for gold dealers to find quality gold pieces with every Tom, Dick and Harry wandering around with a loupe and scales in their purse.
2. More items are hitting the melting pot than being repaired and restored to their former glory.
3. Less jewellery is being made due to the very high material costs, confirmed by the Birmingham Assay Office (UK)

As a dealer in Antique Jewellery for many years, this can be heart breaking. On visits to some of the refiners that I use I have been forced to witness some beautiful items going in the pot Victorian double Alberts and guard chains, a 15ct Gold mourning locket dating to 1811 just to name a few. These pieces are now lost forever and even if they are reworked rather than remaining as a gold bar the likelihood is that the quality will never be the same.

I don't know if other Antique Jewellery dealers find themselves in the same quandary as us but as gold price has continued to rocket it has become harder and harder to sell quality pieces. Naturally we cannot sell below scrap price (no matter how much we love our customers) so prices have had to be adjusted accordingly. I have lost count of the number of times at Antique Fairs we have had a price enquiry only to be looked at as if we were insane when we quote spot price plus VAT. Would we just be better off scrapping our entire inventory?

That will never happen. We do what we do because we appreciate the beauty in the items we sell, not because we want money, money, money. We still scrap modern items, of course, and will continue to do so but the margins are decreasing all the time. So (he gets to the point eventually) what do we think the future of gold jewellery is?

Over the past 5 years it is more than fair to say that wages have not increased, in fact many people have had to take a pay cut, and the cost of living has certainly increased. So most people are worrying more about food and fuel bills rather than how much a gold chain will cost them. And so it should be. Well in that period gold has risen 365% so whereas a 100 gold chain may have been considered a feasible purchase 365 would be considered a luxury. This is the pattern we have seen developing gold WAS affordable (it had hardly moved for 20 years after all) but now is not.
The fact is, though, that any piece of gold will always hold intrinsic value. If gold price continues its upward trend then the value will increase. If more and more jewellery is scrapped and less and less is produced then it becomes rarer and hence more valuable. So any piece of gold jewellery can be considered for investment purposes, not just for its aesthetics. This does not, however, detract from the problem that gold is so expensive in the first instance.

So what about gold plate? Well, as an antiques dealer that is a term that I personally hate. The trouble is that as soon as anyone hears the term 'gold plate' they instantly think of modern electroplated items (brush plated or dipped) with the thinnest of thin layers of gold only applied to give a colour. It is true, these items often only have a coating of 2-3 microns of gold so will wear very quickly and have little to no intrinsic gold value in fact the cost of the acid and refining materials make it unfeasible to recover the gold at all. It is quite easy for anybody to buy a plating kit these days and plate whatever they like, so modern plated pieces offer no real alternative in our opinion.

However, the same cannot be said of many antique and vintage 'plated' pieces. I say 'plated' but do not really mean it in the same context. Today plating does not require any actual gold, just a solution containing gold salts. This was not the case with many older items. Rather than electroplating jewellery many of the historic Goldsmiths used methods such as Gold filling, Gold rolling and 'Coring'.

Take, for example, one of Britain's greatest and well known Goldsmiths Henry Griffiths (HG&S). They produced numerous high quality items between c1850 and 1955 in both silver and gold. They also made many items using gold and base metals. Note I do NOT say plated. The reason for this is that the processes and standards are very different. In order to call an item rolled gold, gold filled or metal cored there are minimum gold quantity standards.

For now we will ignore 'rolled gold' as it has more diversity than the other two. Gold filled means that sheets of gold are applied and heat bonded onto a base metal, usually jeweller's brass. To start with the main difference is that actual sheets of gold are used, rather than a plating solution. There are minimum standards for calling an item Gold Filled (usually marked as GF). For lower carat gold (9ct and 10ct) the item must be cast using at least 10% of the weight as gold content. For higher carat gold (12ct, 14ct and 18ct) the item must contain at least 5% gold content. 5% may not seem a lot but this can be up to 100,000 times thicker than the coating applied by electroplating.

From this even the total amateur will realise the difference in quality and when these items are viewed they often look like solid gold. The main difference, of course, is the price. A 9ct gold bangle weighing 30 grams would currently scrap at approx. 408 (source Gold Price) whereas a 9ct Gold Filled bangle would scrap at a tenth of that. So it is more than possible to purchase a beautiful vintage bangle for LESS than a tenth of the price a modern one would cost in a High Street jewellers as the retail mark up in the High Street is generally greater.

Metal Cored items can contain even more gold by content. The easiest way to think of a 'Metal Cored' item is to think of the modern hollow jewellery that seems to want to fly out of your hand. Of course, this is just a way of making items less expensive less weight = less material costs. However anybody who has bought a piece of hollow jewellery will know that they can become dented very easily.

Now imagine that piece of hollow jewellery, but the inside has been filled with a metal core to add to its strength and rigidity there you have it. Taking the same 30 gram bangle if it were 1/5 9ct Metal Core it would contain 20% of gold by weight and would hence contain over 80 in scrap gold alone. A couple of years ago we refined a couple of these bangles to test if the gold content was indeed true and actually achieved a 22% recovery rate, so it is fair to say that the amount of gold used can vary slightly.

The other point to note is the sheer quality of some of these bangles. The goldwork, engraving and quality is often superb and we have had many customers say they would prefer a vintage or antique piece of quality than a modern item. You can view a selection of such bangles on our website and judge for yourself:

Whilst it is true that many of these antique and vintage pieces are bangles it is also possible to find chains, bracelets, lockets, cuff-links and all manner of other jewellery using the same manufacturing methods described above.

So, if gold continues to increase and becomes further out of reach of the average buyer maybe it is more sensible to look for a quality piece of antique or vintage jewellery with decent gold content, better aesthetic value and potentially higher investment value. Or maybe modern jewellers will start to return to the older methods, producing high quality pieces at more affordable prices.

Aaron Hockerday - Jewellery and Watch collectorAntique JewelleryFree Diamond Ring

Aaron Hockerday - Jewellery and Watch collector://