Car loans during bankruptcy are a little different than car loans after a bankruptcy. If you are still in the process of going through the bankruptcy and have not yet received the discharge, an auto loan may take a little more work on your part.
This article is going to discuss a few helpful hints for car loans during a bankruptcy. There are additional things that need to happen in order to apply for an auto loan with these circumstances.
First, let me briefly explain the process of a bankruptcy. Most often someone will retain an attorney to file bankruptcy. Once the bankruptcy has entered the court system, the court will assign an estate trustee. Now you have a legal team working together to work through the resolution of your financial debts.
In order to see the greatest benefits for finding a fresh new financial beginning, it is a good idea to use the expertise of this legal team. Their advice and opinions can truly help you in getting your feet back on the ground and start reestablishing your credit right away. There is no need to wait to start over and start building your credit score back up again.
When considering an auto loan during bankruptcy you may want to present your situation to your legal team and allow them to guide you through the best process for getting a car loan. Your court appointed estate trustee has access to both your income and your monthly bills.
Once the estate trustee sees that you will have the room in your monthly budget for a car loan, he can write a letter of permission for obtaining a car loan. This letter will be attached to your bankruptcy papers and presented to the judge. In addition, this letter will provide permission to prospective lenders that it is okay to give you a loan.
If you are trying to secure an auto loan during a bankruptcy, this permission is critical to the dealership.
It is best to be up front and honest with the auto consultant who is helping you. Meet with someone who specializes in subprime auto loans and explain that you are looking for an auto loan during your bankruptcy. Present the letter of permission to the person helping you and allow them to begin working for you.
You may be surprised to find out what your options are and that you may be able to qualify for a car loan the day after you file bankruptcy.
Monday, December 3, 2012
Friday, November 30, 2012
Payday Loan Myths Unraveled
For some people, the idea of getting a payday loan is still a strange prospect it might even be a little scary. With some of the news stories about instant loans circulating the media, warning consumers about the pitfalls of fast cash advances, applying for one may not seem like a good plan if you find yourself in a financial bind.
But in many instances, a payday loan can be an excellent way to obtain cash quickly, especially in an emergency situation. Not everything in life is planned you may suddenly have to pay a large car repair bill, or any other unexpected expense. If you don't own a credit card, or have already maxed it out, and don't want to burden friends or family with a request for money, the only option you really have left is an overnight cash advance.
A payday loan is a small short-term loan (usually in the amount of 0-00) that has a high interest rate. It allows you to access cash, usually overnight, before your next payday, which is much faster than a traditional loan from a bank. And it's easier to be approved for cash advance loans you can even apply for one online. You don't have to go through a credit check, the process is discreet, and the transaction is secure. And if you have no credit, or bad credit, this won't affect your ability to obtain a payday loan. It's no wonder payday loans are growing in popularity.
Although you have to pay a fee to take out a cash advance, in some circumstances getting your hands on much needed funds, almost instantly, is worthwhile, as long as you know your next paycheck will be able to cover the loan right away.
Of course, just like with any other loan, it's important to realize that you should only apply for a payday loan if you plan to pay it back with your next paycheck. That is the purpose of a payday loan to advance you the money you need before you get paid. Don't go into the process with the intention of renewing the loan.
Most of the controversy surrounding payday loans is entirely unwarranted. Ultimately, a payday loan company provides a service that is needed in the community, and when used responsibly for its intended purposes, it can really help people get out of sticky situations.
If you plan on getting a cash advance, just follow a simple rule to avoid running into unwanted problems: apply for one from a reputable company that won't gouge you for all you have (or don't have). If you take advantage of a cash advance loan, pay the loan back by your next payday, so more interest charges won't accumulate.
Payday loans can be an effective way to access cash quickly, at times when you need it most. As long as you plan to use the service the way it's meant to be, and avoid companies that don't cater well to their customer's needs, it might just be the best thing for you.
But in many instances, a payday loan can be an excellent way to obtain cash quickly, especially in an emergency situation. Not everything in life is planned you may suddenly have to pay a large car repair bill, or any other unexpected expense. If you don't own a credit card, or have already maxed it out, and don't want to burden friends or family with a request for money, the only option you really have left is an overnight cash advance.
A payday loan is a small short-term loan (usually in the amount of 0-00) that has a high interest rate. It allows you to access cash, usually overnight, before your next payday, which is much faster than a traditional loan from a bank. And it's easier to be approved for cash advance loans you can even apply for one online. You don't have to go through a credit check, the process is discreet, and the transaction is secure. And if you have no credit, or bad credit, this won't affect your ability to obtain a payday loan. It's no wonder payday loans are growing in popularity.
Although you have to pay a fee to take out a cash advance, in some circumstances getting your hands on much needed funds, almost instantly, is worthwhile, as long as you know your next paycheck will be able to cover the loan right away.
Of course, just like with any other loan, it's important to realize that you should only apply for a payday loan if you plan to pay it back with your next paycheck. That is the purpose of a payday loan to advance you the money you need before you get paid. Don't go into the process with the intention of renewing the loan.
Most of the controversy surrounding payday loans is entirely unwarranted. Ultimately, a payday loan company provides a service that is needed in the community, and when used responsibly for its intended purposes, it can really help people get out of sticky situations.
If you plan on getting a cash advance, just follow a simple rule to avoid running into unwanted problems: apply for one from a reputable company that won't gouge you for all you have (or don't have). If you take advantage of a cash advance loan, pay the loan back by your next payday, so more interest charges won't accumulate.
Payday loans can be an effective way to access cash quickly, at times when you need it most. As long as you plan to use the service the way it's meant to be, and avoid companies that don't cater well to their customer's needs, it might just be the best thing for you.
Thursday, November 29, 2012
Importance Of Moving Company In Every Aspect Of Our Life
Every year hundreds and thousands of men and women relocate from one place to another, more specifically from one state to other. The moving reason starts form the family to finance to weather and health. But for each of the above case, the potential movers have to employ moving companies. If it is in Maryland they would hire local movers Maryland and if the residents are from Virginia, Alexandria movers come in to the play.
So the residents are likely to select a local moving companies and it is more likely that they would take references from their near friends and the relatives. Choosing nearby Alexandria movers is too challenging job, but when you find that in a quick time, nearly all of your issues will be solved. As local movers Maryland movers are contacted, a salesman from that business visits your premises to create a moving estimate. This estimate that is made, takes into account numerous aspects that is made up of separate amount for your packaging vans for your moving needs and in addition an insurance coverage with that of the moving purpose. The consultant can also make an inquiry concerning the moving location on the basis of which she can make the estimate. In addition to the distance another essential component to consider is the quantity of stairs and the distance from the house to the van. The price estimation is also depends on that. In case of mobility of items locally, an important aspect that is considered will be the quantity of time which is spent in moving. The driving force should be offered the shortest route, so that this expense is reduced.
When all the aspects are taken good care of, packaging is initiated. Local movers Maryland are hired on the basis of contract, and packaging companies generally an important part of the deal. They acquire proper care of all your belongings, and also the finest care is implemented in order that no or minimal damage is induced to the home objects. You'll find so many local relocating companies, who carry good care of the insurance coverage plan facilities, to ensure that in situation of any harm, a specific quantity can be recovered.
One more important thing to check is that the storage system of the moving companies. After having packed all the belongings, you must check the safety and security status where your belongings are kept. Why this is advisable? Storage is the place where your household chores can get damaged despite solid packing. In case of interstate moving say from MD to VA, storage is essential for the Alexandria and Maryland local movers as they try to shift many residents and households at a time. This in fact reduces their costs.
So the residents are likely to select a local moving companies and it is more likely that they would take references from their near friends and the relatives. Choosing nearby Alexandria movers is too challenging job, but when you find that in a quick time, nearly all of your issues will be solved. As local movers Maryland movers are contacted, a salesman from that business visits your premises to create a moving estimate. This estimate that is made, takes into account numerous aspects that is made up of separate amount for your packaging vans for your moving needs and in addition an insurance coverage with that of the moving purpose. The consultant can also make an inquiry concerning the moving location on the basis of which she can make the estimate. In addition to the distance another essential component to consider is the quantity of stairs and the distance from the house to the van. The price estimation is also depends on that. In case of mobility of items locally, an important aspect that is considered will be the quantity of time which is spent in moving. The driving force should be offered the shortest route, so that this expense is reduced.
When all the aspects are taken good care of, packaging is initiated. Local movers Maryland are hired on the basis of contract, and packaging companies generally an important part of the deal. They acquire proper care of all your belongings, and also the finest care is implemented in order that no or minimal damage is induced to the home objects. You'll find so many local relocating companies, who carry good care of the insurance coverage plan facilities, to ensure that in situation of any harm, a specific quantity can be recovered.
One more important thing to check is that the storage system of the moving companies. After having packed all the belongings, you must check the safety and security status where your belongings are kept. Why this is advisable? Storage is the place where your household chores can get damaged despite solid packing. In case of interstate moving say from MD to VA, storage is essential for the Alexandria and Maryland local movers as they try to shift many residents and households at a time. This in fact reduces their costs.
Monday, November 26, 2012
Senate Finance Committee Reworks Health Care Reform Bill
SUZANNE PRATT: One-sixth of the U.S. economy is getting a make-over today on Capitol Hill. The Senate Finance Committee has taken up an historic reform of the nation's health care system. And before the legislation was out of the starting gate, it was already being changed. Senator Max Baucus, the author of the bill has agreed to scale back the tax on so-called gold- plated health insurance policies. But as Darren Gersh reports, a key concern remains how much the average American will have to pay to buy coverage.
DARREN GERSH, NIGHTLY BUSINESS REPORT CORRESPONDENT: From the very beginning, the hard work of the Senate Finance Committee came down to balancing the cost of expanding health care coverage with affordability. Striking that balance is the job of committee Chairman Max Baucus.
SEN. MAX BAUCUS, FINANCE COMMITTEE CHAIRMAN: No one should go bankrupt because they get sick. This bill would fix that.
GERSH: Today, Baucus added billion over the next decade to help low-to-moderate income Americans buy health insurance. They'd buy it from the new exchanges the bill would create to organize the insurance market. The move was a clear nod in the direction of Maine's Olympia Snowe, the only Republican still on board with the effort.
SEN. OLYMPIA SNOWE (R) MAINE: There remains major outstanding issues that must be resolved to ensure that everyone, whether they're in an exchange or getting employer-provided coverage is able to afford a plan.
GERSH: The subsidies in the Senate Finance bill would help families earning up to ,000 buy coverage. But health care analyst Rick Weissenstein says some lawmakers think the help isn't enough.
RICK WEISSENSTEIN, HEALTH CARE ANALYST, CONCEPT CAPITAL: I think the members are concerned that, for a family or four making ,000 in most places in the country, you're largely paycheck to paycheck and the idea that you might have however much insurance for a family of four would cost 0, 0, 0 a month, I think is really questionable.
GERSH: For Snowe's fellow Republicans, like Arizona's Jon Kyle, the Baucus bill is unaffordable because it raises taxes, putting at risk those who now have private insurance.
SEN. JON KYL (R) ARIZONA: At least 85 percent, maybe a little over 90 percent of Americans have good care and insurance and don't want Washington to mess with it.
GERSH: In another nod to affordability, Senator Baucus slashed the proposed penalty on families who don't buy health insurance from ,800 to ,900. Many more changes are ahead. The committee hopes to work through this pile of 564 amendments in the next week or two. Darren Gersh,
DARREN GERSH, NIGHTLY BUSINESS REPORT CORRESPONDENT: From the very beginning, the hard work of the Senate Finance Committee came down to balancing the cost of expanding health care coverage with affordability. Striking that balance is the job of committee Chairman Max Baucus.
SEN. MAX BAUCUS, FINANCE COMMITTEE CHAIRMAN: No one should go bankrupt because they get sick. This bill would fix that.
GERSH: Today, Baucus added billion over the next decade to help low-to-moderate income Americans buy health insurance. They'd buy it from the new exchanges the bill would create to organize the insurance market. The move was a clear nod in the direction of Maine's Olympia Snowe, the only Republican still on board with the effort.
SEN. OLYMPIA SNOWE (R) MAINE: There remains major outstanding issues that must be resolved to ensure that everyone, whether they're in an exchange or getting employer-provided coverage is able to afford a plan.
GERSH: The subsidies in the Senate Finance bill would help families earning up to ,000 buy coverage. But health care analyst Rick Weissenstein says some lawmakers think the help isn't enough.
RICK WEISSENSTEIN, HEALTH CARE ANALYST, CONCEPT CAPITAL: I think the members are concerned that, for a family or four making ,000 in most places in the country, you're largely paycheck to paycheck and the idea that you might have however much insurance for a family of four would cost 0, 0, 0 a month, I think is really questionable.
GERSH: For Snowe's fellow Republicans, like Arizona's Jon Kyle, the Baucus bill is unaffordable because it raises taxes, putting at risk those who now have private insurance.
SEN. JON KYL (R) ARIZONA: At least 85 percent, maybe a little over 90 percent of Americans have good care and insurance and don't want Washington to mess with it.
GERSH: In another nod to affordability, Senator Baucus slashed the proposed penalty on families who don't buy health insurance from ,800 to ,900. Many more changes are ahead. The committee hopes to work through this pile of 564 amendments in the next week or two. Darren Gersh,
Friday, November 23, 2012
Semi Trucks,tractor Semi, Tractor Trailers For Sale, New And Used, With Canadian Financing
Semi trucks, tractor semi, tractor trailers for sale are located in both the Unites States and Canada, new and used, with Canadianleasing being offered to residents of Canada.
Semi Trucks are presented for sale by dealerships and auction houses through out the United States. and Canada. Some U.S dealerships have partnered with local and/or regional lending institutions to move these off lease and repossessed semi trucks with special dealer pricing being offered. U.S banks and all other lenders are holding repossessed property in their repo and off lease inventories, therefore they must move these repossessions due to the fact it is impairing their cash flow and working capital.
Cash buyers have the best opportunity to attain the repossessed tractor trailers for the lowest price.
These repossessed tractor semi listings below are spread out across the United States and Canada enabling all prospective Canadian buyers to partake in these acquistions. Also, U.S Corporate Capital Leasing has partnered with Canadianlending institutions to offer Canadians lending for semi truck acquisitions in both countries.
Canadian residents have the option either to find a semi truck in Canada or the United States. These semi trucks don't have to be a repossession. If the prospective purchaser finds a semi truck that hasn't been repossessed it wouldn't disqualify the Canadian from conventional lending. This gives the Canadian the best of all worlds, a possible semi truck repo or a conventional deal located in either U.S or Canada.
These off lease deals are listed with auction houses, liquidators, banks and participating brokers, additionally, these repossessed trucks are offered in truck paper and commercial trader.
Moreover, these tractor trailers are manufactured by Peterbilt, Kenworth, Volvo, Ford, Freightliner, Mack, Western Star and Sterling
Inquire about the special easy Canadian financing programs that are available to start ups and seasoned businesses. Credit scores start as low as 550. Furthermore, down payment monies may be as low as first and last payment.
Happy hunting for your semi truck and its related Canadian lending
Semi Trucks are presented for sale by dealerships and auction houses through out the United States. and Canada. Some U.S dealerships have partnered with local and/or regional lending institutions to move these off lease and repossessed semi trucks with special dealer pricing being offered. U.S banks and all other lenders are holding repossessed property in their repo and off lease inventories, therefore they must move these repossessions due to the fact it is impairing their cash flow and working capital.
Cash buyers have the best opportunity to attain the repossessed tractor trailers for the lowest price.
These repossessed tractor semi listings below are spread out across the United States and Canada enabling all prospective Canadian buyers to partake in these acquistions. Also, U.S Corporate Capital Leasing has partnered with Canadianlending institutions to offer Canadians lending for semi truck acquisitions in both countries.
Canadian residents have the option either to find a semi truck in Canada or the United States. These semi trucks don't have to be a repossession. If the prospective purchaser finds a semi truck that hasn't been repossessed it wouldn't disqualify the Canadian from conventional lending. This gives the Canadian the best of all worlds, a possible semi truck repo or a conventional deal located in either U.S or Canada.
These off lease deals are listed with auction houses, liquidators, banks and participating brokers, additionally, these repossessed trucks are offered in truck paper and commercial trader.
Moreover, these tractor trailers are manufactured by Peterbilt, Kenworth, Volvo, Ford, Freightliner, Mack, Western Star and Sterling
Inquire about the special easy Canadian financing programs that are available to start ups and seasoned businesses. Credit scores start as low as 550. Furthermore, down payment monies may be as low as first and last payment.
Happy hunting for your semi truck and its related Canadian lending
Wednesday, November 21, 2012
ERP Systems Can Add Value To Your Organization
If you have any working knowledge of a large company or corporation, you should have a good idea of how many processes are involved in the day to day running of such a company.
From the finance to the accounting departments to the production, sales and service sections (just to mention some), each section has various methods and procedures in position. But at the end of the day, in order for an organization or company to be successful, each of these separate departments/processes/procedures should integrate under one "global umbrella". It reminds me of the saying that the left hand must always know what the right hand does and vice versa.
Enterprise resource planning systems (or ERP systems as often referred to) is a program which basically integrates a company's external and internal management information. The main purpose behind ERP systems is to create a continuing flow of information between the different sections (or business functions if you wish) inside each organization.
Basically, if a procedure begins with in the production department and is completed in the sales section with a number of stops in-between, ERP systems enables you to facilitate a smooth process from start to finish.
Typically, this type of program will need various hardware and network configurations to function on, and all the different information from all the various management systems is kept in a database which can then be accessed by all the related people in the corporation or organization.
ERP systems operates in real time. Therefore if somebody in the accounting departments captures anything in the program, it would immediately be accessible by whoever has access to the system. The systems are generally set up with a similar feel and look throughout all the sections - uniformity is after all what these systems are all about. Without consistency, how is integration achievable?
Needless to say there are several types of ERP systems on the market and the complexity differs from supplier to supplier, but commonly such a system can be integrated without too much of an effort.
These systems go as far back from as early as 1990. That's right, as much as 2 decades ago business owners and administrators were faced with the same challenges and difficulties as experienced in present day organizations and even then a way to incorporate various processes was required. ERP systems can commonly be tailored to suit different client demands, but the overall aim of this kind of software programs are the same: To enable each business process to be performed in the most effective way possible.
If you're looking at obtaining an ERP system for your company, your first step would be a session with one of the software distributors. Thereafter the software will normally be tailor-made to meet your needs and requirements, where after it will be enforced. Most vend0rs will generally also provide a type of after-sales support and a bit of training if required.
With the amount of brilliant resources available, you have no excuse if your company is not operating like a well-oiled machine. perhaps an enterprise resource planning system is the answer to your prayers?
From the finance to the accounting departments to the production, sales and service sections (just to mention some), each section has various methods and procedures in position. But at the end of the day, in order for an organization or company to be successful, each of these separate departments/processes/procedures should integrate under one "global umbrella". It reminds me of the saying that the left hand must always know what the right hand does and vice versa.
Enterprise resource planning systems (or ERP systems as often referred to) is a program which basically integrates a company's external and internal management information. The main purpose behind ERP systems is to create a continuing flow of information between the different sections (or business functions if you wish) inside each organization.
Basically, if a procedure begins with in the production department and is completed in the sales section with a number of stops in-between, ERP systems enables you to facilitate a smooth process from start to finish.
Typically, this type of program will need various hardware and network configurations to function on, and all the different information from all the various management systems is kept in a database which can then be accessed by all the related people in the corporation or organization.
ERP systems operates in real time. Therefore if somebody in the accounting departments captures anything in the program, it would immediately be accessible by whoever has access to the system. The systems are generally set up with a similar feel and look throughout all the sections - uniformity is after all what these systems are all about. Without consistency, how is integration achievable?
Needless to say there are several types of ERP systems on the market and the complexity differs from supplier to supplier, but commonly such a system can be integrated without too much of an effort.
These systems go as far back from as early as 1990. That's right, as much as 2 decades ago business owners and administrators were faced with the same challenges and difficulties as experienced in present day organizations and even then a way to incorporate various processes was required. ERP systems can commonly be tailored to suit different client demands, but the overall aim of this kind of software programs are the same: To enable each business process to be performed in the most effective way possible.
If you're looking at obtaining an ERP system for your company, your first step would be a session with one of the software distributors. Thereafter the software will normally be tailor-made to meet your needs and requirements, where after it will be enforced. Most vend0rs will generally also provide a type of after-sales support and a bit of training if required.
With the amount of brilliant resources available, you have no excuse if your company is not operating like a well-oiled machine. perhaps an enterprise resource planning system is the answer to your prayers?
Sunday, November 18, 2012
Real Estate In Austin Texas
With its unique blend of affordability, home options and strong real estate value, Austin, Texas represents one of the top real estate opportunities in the United States. Home buyers will find a bevy of great choices, from comfortable single-family homes to duplexes to luxury condos and apartments. Home prices in Austin are well below the national average, making it an ideal option for prospective home buyers all across the country. The city's real estate market, which has boomed even amidst the housing crash, is testament to its broad appeal and strong value. Before starting an Austin real estate search, be sure to research the city extensively and get to know its housing market and options before committing to a purchase.
The Austin real estate market is highly affordable and noted for its strength and stability. Homes for sale Austin include single-family homes, townhouses and larger multifamily dwellings alike. Buyers conducting a home search Austin will find a wide array of options suitable for all price ranges and architectural styles. Home in every part of Austin enjoy great value and some of the best pricing in all of Texas. With so many choices and affordable prices, Austin real estate is perfect for families, young professionals, commuters, retirees and everyone else in between.
In addition to its affordable real estate market, Austin boasts a high quality of life with abundant amenities and attractions for its residents to enjoy. The city offers outstanding public and private schools, safe neighborhoods and a wealth of fantastic shops, cafes and restaurants. Austin also enjoys warm, mild weather year round and a modest cost of living. Public transportation is readily available throughout Austin and includes the Austin Metro rail, buses and the Austin-Bergstrom International Airport. A number of major highways make commuting and traveling across the region a breeze. The city also sports a strong, vibrant economy with plentiful employment opportunities in sectors such as technology, media, education, real estate healthcare and energy.
Austin is renowned for its wealth of cultural, entertainment and leisure options as well. The city's live music scene is legendary and includes major events like the Austin City Limits Music Festival and South by Southwest Festival. Cultural attractions in Austin include the Paramount Theater and the Long Center for the Performing Arts as well as world-class museums and cultural institutions like the Texas Memorial Museum, the Austin Museum of Art and the Lyndon Baines Johnson Library and Museum. The city is also rich in college sports teams and offers a number of parks like Zilker Park and the beautiful Lake Travis.
With its affordable real estate prices, wide array of home choices and wealth of amenities and attractions, Austin is among the best real estate opportunities in Texas.
The Austin real estate market is highly affordable and noted for its strength and stability. Homes for sale Austin include single-family homes, townhouses and larger multifamily dwellings alike. Buyers conducting a home search Austin will find a wide array of options suitable for all price ranges and architectural styles. Home in every part of Austin enjoy great value and some of the best pricing in all of Texas. With so many choices and affordable prices, Austin real estate is perfect for families, young professionals, commuters, retirees and everyone else in between.
In addition to its affordable real estate market, Austin boasts a high quality of life with abundant amenities and attractions for its residents to enjoy. The city offers outstanding public and private schools, safe neighborhoods and a wealth of fantastic shops, cafes and restaurants. Austin also enjoys warm, mild weather year round and a modest cost of living. Public transportation is readily available throughout Austin and includes the Austin Metro rail, buses and the Austin-Bergstrom International Airport. A number of major highways make commuting and traveling across the region a breeze. The city also sports a strong, vibrant economy with plentiful employment opportunities in sectors such as technology, media, education, real estate healthcare and energy.
Austin is renowned for its wealth of cultural, entertainment and leisure options as well. The city's live music scene is legendary and includes major events like the Austin City Limits Music Festival and South by Southwest Festival. Cultural attractions in Austin include the Paramount Theater and the Long Center for the Performing Arts as well as world-class museums and cultural institutions like the Texas Memorial Museum, the Austin Museum of Art and the Lyndon Baines Johnson Library and Museum. The city is also rich in college sports teams and offers a number of parks like Zilker Park and the beautiful Lake Travis.
With its affordable real estate prices, wide array of home choices and wealth of amenities and attractions, Austin is among the best real estate opportunities in Texas.
Wednesday, November 14, 2012
Enzyte
Considering enzyte natural male enhancement? Thinking about becoming friends with smiling bob? My website provides some frank and honest commentary on enzyte natural male enhancement that may surprise you. Enzyte definitely didn't work for me. I certainly didn't get better erections, and as a matter of fact, my erections seemed softer while taking enzyte. Seriously, you owe it to yourself to read about my experiences with enzyte before you make a decision to purchase enzyte.
If you look online and search for enzyte complaints, you will find a wealth of unhappy customers. Enzyte is notorious for charging customer's credit cards with bogus unapproved charges. As a matter of fact, Enzyte's found was put away to jail for this fraudulent activity. I strongly urge you to consider this shadiness before you decide to purchase enzyte. I would hate for your credit card to get charged without an authorization. I bought enzyte at my local Wal-Mart, and consider it a huge waste of my money.
I experienced no results while taking enzyte, and was left very disappointed by its effectiveness. For , it is a terrible value. Enzyte seems to be nothing more than a heavy dose of ginseng and gingko, which I get from my multivitamin anyway. It certainly doesn't help with male enhancement. Enzyte was a disappointing supplement, and I hope you appreciate my honest and candid feedback. Enzyte just happens to sell because it has been around for so long. My extenze review is raw, uncut, and to the point. Be very cautious before buying enzyte. It can leave you wanting your money back.
Please treat this article as my personal review of enzyte, and obviously individual results may vary. I didn't get the results I expected from enzyte, and I'd be curious to see if anyone had the same problems I had. Many sites on the internet contain pretty rough reviews of their product, and mine is certainly no exception. Enzyte seems like it promises so much, and deliver so little. Smiling Bob shouldn't really be smiling if his experience was anything like mine with enzyte
If you look online and search for enzyte complaints, you will find a wealth of unhappy customers. Enzyte is notorious for charging customer's credit cards with bogus unapproved charges. As a matter of fact, Enzyte's found was put away to jail for this fraudulent activity. I strongly urge you to consider this shadiness before you decide to purchase enzyte. I would hate for your credit card to get charged without an authorization. I bought enzyte at my local Wal-Mart, and consider it a huge waste of my money.
I experienced no results while taking enzyte, and was left very disappointed by its effectiveness. For , it is a terrible value. Enzyte seems to be nothing more than a heavy dose of ginseng and gingko, which I get from my multivitamin anyway. It certainly doesn't help with male enhancement. Enzyte was a disappointing supplement, and I hope you appreciate my honest and candid feedback. Enzyte just happens to sell because it has been around for so long. My extenze review is raw, uncut, and to the point. Be very cautious before buying enzyte. It can leave you wanting your money back.
Please treat this article as my personal review of enzyte, and obviously individual results may vary. I didn't get the results I expected from enzyte, and I'd be curious to see if anyone had the same problems I had. Many sites on the internet contain pretty rough reviews of their product, and mine is certainly no exception. Enzyte seems like it promises so much, and deliver so little. Smiling Bob shouldn't really be smiling if his experience was anything like mine with enzyte
Monday, November 12, 2012
Cover Letter Closing
A cover letter is a trick communication tool. One of the most difficult part is writing a cover letter closing that make a good impact. In the following article, some important points regarding such a letter have been discussed. To know more, read on
In your entire life time, once in a while, you will draft a very important document - cover letter. Closing of this kind of letters is absolutely difficult as this makes a last and lasting impression on the reader. The cover letter closing has been described in the following paragraphs. In case if you need to have a look at the other elements of the cover letter. Closing, the concluding aspect goes as follows. You may also refer to some letter writing guidelines and writing tips.
Cover Letter and its Closing
While writing a cover letter, you will always come to the concluding point of the letter, you will pause and think: 'how exactly can we say good bye to a person?'. Well the answer is that you should never say good bye. You should 'conclude'. This way the ball lands in the other person's court and the more better the closing, the more are the chances it will be shot back to you with a positive note.
Cover Letter: Before we get to some sample cover letter closing statements, let us get a closer look at the conception of cover letters and try to answer the impending question 'what is a cover letter'. A cover letter is basically a letter, which is a formal introduction to your response to an inquiry or advertisement. A cover letter is essentially a formal letter and is usually sent with other documents such as a CV, resume or even business documents such as quotations, business prospectus or inquiries. The cover letter principally bridges the 'approach' aspect of a said business deal, may it be an employment opportunity or a potential business deal. The contents of such letters are simple, straight forward and down to the point. In many cases the entire letter is rounded off in a few sentences, as there is no room for out of the context and irrelevant thoughts. Thus the best way to write a cover letter is to stick to facts in a very precise manner, yet the language should should sound positive and thoughtful.
Elements of the Cover Letter: The cover letter is broadly divided into three parts, namely, the introductory paragraph, where the reason or cause of letter is explained. Following the first paragraph, the main clause of the letter is explained and primary facts and figures that relate to the attachments of the letter are explained. The last paragraphs which is known as the cover letter closing paragraph is written. In some cases it can also be single, cover letter closing statement. This paragraph is followed by cover letter closing salutation. You can get all the elements from any cover letter format sample.
Cover Letter Closing Examples
The closing of the cover letter differ from situation to situation and the wording of the closing statement is also considerably differed accordingly. For example if you are writing a career change cover letter, you will need to keep the last statement hopeful, positive and sincere. For example, you can sound something like,
'though I am new to the field I really home that you will consider my application for an apprenticeship'
In cases where the cover letter is for a business deal or proposition, the statement can be a bit more, let's say arrogant, you may sound something like this,
'we hope that the proposition is considered by your company, as it is equally beneficial for every involved party, thanking you for your time'
Well apart from the fact that the language has to be universally polite, there should also be a hint of extra politeness or humbleness in cases where the person to whom you are writing to is of an exceptionally superior designation. Some people who want a reply as soon as possible, tend to include statements such as
'you may contact me at (O)_______________ or my (m)_____________. Alternately you may also consider, sending an email at ____________________.
Apart from the cover letter closing statement, addressing the person with a requisite salutation at the end of the letter is also necessary. Some salutations include:
1. Respectfully
2. Thank you for your consideration
3. Thank you
4. Yours truly
5. Respectfully yours
6. Kind regards
You can also go through writing a resume cover letter and writing a cover letter for an internship for some more information.
The statement and salutation should basically depend upon your tone of the letter and the over all flow of the letter. The better the cover letter closing is the better impression is going to be made on the reader, hence do not hesitate to make any innovate but appropriate cover letter closing statements and salutations. Good luck.
In your entire life time, once in a while, you will draft a very important document - cover letter. Closing of this kind of letters is absolutely difficult as this makes a last and lasting impression on the reader. The cover letter closing has been described in the following paragraphs. In case if you need to have a look at the other elements of the cover letter. Closing, the concluding aspect goes as follows. You may also refer to some letter writing guidelines and writing tips.
Cover Letter and its Closing
While writing a cover letter, you will always come to the concluding point of the letter, you will pause and think: 'how exactly can we say good bye to a person?'. Well the answer is that you should never say good bye. You should 'conclude'. This way the ball lands in the other person's court and the more better the closing, the more are the chances it will be shot back to you with a positive note.
Cover Letter: Before we get to some sample cover letter closing statements, let us get a closer look at the conception of cover letters and try to answer the impending question 'what is a cover letter'. A cover letter is basically a letter, which is a formal introduction to your response to an inquiry or advertisement. A cover letter is essentially a formal letter and is usually sent with other documents such as a CV, resume or even business documents such as quotations, business prospectus or inquiries. The cover letter principally bridges the 'approach' aspect of a said business deal, may it be an employment opportunity or a potential business deal. The contents of such letters are simple, straight forward and down to the point. In many cases the entire letter is rounded off in a few sentences, as there is no room for out of the context and irrelevant thoughts. Thus the best way to write a cover letter is to stick to facts in a very precise manner, yet the language should should sound positive and thoughtful.
Elements of the Cover Letter: The cover letter is broadly divided into three parts, namely, the introductory paragraph, where the reason or cause of letter is explained. Following the first paragraph, the main clause of the letter is explained and primary facts and figures that relate to the attachments of the letter are explained. The last paragraphs which is known as the cover letter closing paragraph is written. In some cases it can also be single, cover letter closing statement. This paragraph is followed by cover letter closing salutation. You can get all the elements from any cover letter format sample.
Cover Letter Closing Examples
The closing of the cover letter differ from situation to situation and the wording of the closing statement is also considerably differed accordingly. For example if you are writing a career change cover letter, you will need to keep the last statement hopeful, positive and sincere. For example, you can sound something like,
'though I am new to the field I really home that you will consider my application for an apprenticeship'
In cases where the cover letter is for a business deal or proposition, the statement can be a bit more, let's say arrogant, you may sound something like this,
'we hope that the proposition is considered by your company, as it is equally beneficial for every involved party, thanking you for your time'
Well apart from the fact that the language has to be universally polite, there should also be a hint of extra politeness or humbleness in cases where the person to whom you are writing to is of an exceptionally superior designation. Some people who want a reply as soon as possible, tend to include statements such as
'you may contact me at (O)_______________ or my (m)_____________. Alternately you may also consider, sending an email at ____________________.
Apart from the cover letter closing statement, addressing the person with a requisite salutation at the end of the letter is also necessary. Some salutations include:
1. Respectfully
2. Thank you for your consideration
3. Thank you
4. Yours truly
5. Respectfully yours
6. Kind regards
You can also go through writing a resume cover letter and writing a cover letter for an internship for some more information.
The statement and salutation should basically depend upon your tone of the letter and the over all flow of the letter. The better the cover letter closing is the better impression is going to be made on the reader, hence do not hesitate to make any innovate but appropriate cover letter closing statements and salutations. Good luck.
Friday, November 9, 2012
Equipment Lease Tips For Startup Businesses
For a new business, trying to get a bank loan can be a challenge especially without business credit history to back up your loan application. If you need equipment financing is an issue, perhaps you may consider business equipment leasing?
Who Can Lease
Both new and established businesses are eligible to apply for equipment lease financing. In fact, this financing technique has been employed by many small businesses and large corporations for a long time.
Why Lease Equipment
Rather than apply for a bank loan to buy the needed equipment, a new business owner can apply for a lease to avoid unnecessary delays with the business operations. Instead of waiting for months to get their business loan approved, leasing equipment involves a quicker and uncomplicated procedure.
Add to this, equipment lease financing is generally cheaper since it does not require a down payment. Many leasing companies offer flexible repayment terms (monthly, quarterly, bi-annual, annually) to complement the business's needs.
Indeed, equipment lease financing is recommended for smaller businesses. By leasing equipment, the business owner can use its working capital on other expenditures such as purchasing supplies, hiring workers, advertising your products and services, instead of spending the money on devices or special machines.
Preparing Paperwork
What kind of paperwork do you need to prepare? The specific requirements may vary from one leasing firm to the next. Still, most lessors generally require a written equipment lease proposal, the business's recent financial statements, and tax returns.
Your lease proposal must clearly present the type of business you run, your reason for getting a lease, the specific machines or devices you need, and other important information about your company that will help convince your lessor to approve your application.
Check Your Credit
Some business equipment lease providers have strict standards and may call for good to excellent credit history. Nonetheless, you can find lessors that offer leasing services even for customers with no credit history or with bad credit history.
In fact, even business owners who have a record of bankruptcy can get approved as long as the bankruptcy has been discharged. If you have bad credit, it is a good idea to include a letter explaining the details about your bankruptcy or poor credit.
Tips For Sure Approval
For new business owners, do not test the waters by submitting multiple lease applications to different companies. If a potential lessor sees too many inquiries in your report, it may raise doubt as to why other lessors are not willing to grant you a lease.
Keep in mind that not all leasing companies offer lease for new businesses. Some lessors may require applicants to be at least 2 years in operations. However, there are lease companies that do offer special lease arrangements for new businesses.
Find a leasing company that provides service to businesses in the market you belong. For example, some lessors specialize in transportation while others may specialize in medical equipment, printing equipment, baking equipment, etc. Check the prerequisites of a particular equipment lease provider so you can avoid unnecessary rejection.
Who Can Lease
Both new and established businesses are eligible to apply for equipment lease financing. In fact, this financing technique has been employed by many small businesses and large corporations for a long time.
Why Lease Equipment
Rather than apply for a bank loan to buy the needed equipment, a new business owner can apply for a lease to avoid unnecessary delays with the business operations. Instead of waiting for months to get their business loan approved, leasing equipment involves a quicker and uncomplicated procedure.
Add to this, equipment lease financing is generally cheaper since it does not require a down payment. Many leasing companies offer flexible repayment terms (monthly, quarterly, bi-annual, annually) to complement the business's needs.
Indeed, equipment lease financing is recommended for smaller businesses. By leasing equipment, the business owner can use its working capital on other expenditures such as purchasing supplies, hiring workers, advertising your products and services, instead of spending the money on devices or special machines.
Preparing Paperwork
What kind of paperwork do you need to prepare? The specific requirements may vary from one leasing firm to the next. Still, most lessors generally require a written equipment lease proposal, the business's recent financial statements, and tax returns.
Your lease proposal must clearly present the type of business you run, your reason for getting a lease, the specific machines or devices you need, and other important information about your company that will help convince your lessor to approve your application.
Check Your Credit
Some business equipment lease providers have strict standards and may call for good to excellent credit history. Nonetheless, you can find lessors that offer leasing services even for customers with no credit history or with bad credit history.
In fact, even business owners who have a record of bankruptcy can get approved as long as the bankruptcy has been discharged. If you have bad credit, it is a good idea to include a letter explaining the details about your bankruptcy or poor credit.
Tips For Sure Approval
For new business owners, do not test the waters by submitting multiple lease applications to different companies. If a potential lessor sees too many inquiries in your report, it may raise doubt as to why other lessors are not willing to grant you a lease.
Keep in mind that not all leasing companies offer lease for new businesses. Some lessors may require applicants to be at least 2 years in operations. However, there are lease companies that do offer special lease arrangements for new businesses.
Find a leasing company that provides service to businesses in the market you belong. For example, some lessors specialize in transportation while others may specialize in medical equipment, printing equipment, baking equipment, etc. Check the prerequisites of a particular equipment lease provider so you can avoid unnecessary rejection.
Sunday, November 4, 2012
Fly Fishing Oregon's Fall River
You may not have seen an uglier imitation of a natural bug in your life, and hopefully you never will. In fact, the world's leading entomologist would've had a hard time determining what I was trying to duplicate with this fly. It was by far the sloppiest attempt at the traditional elk hair caddis pattern to date. Purely an exercise in beginning fly tying, and one of the first to come off of my assembly line known as a vice.
It was a combination of ego, sentimentality and hopeful romantic fantasy that allowed it into my fly box. Wouldn't it be something if it worked and I actually landed a fish with my first attempt at fly tying? A lost cause you would think while looking at it. But, it felt good just have it sit in my fly box next to those store-bought, apiece, professionally tied flies.
I knew the trout of Oregon's Fall River were smarter than to accept my fly. They've seen, and passed on, the most meticulous artificial creations (very professionally tied ones). No matter, in time there I am, fly fishing Oregon's Fall River, and the only one on the water.
Although some of the gin-clear river is lined with private property, there are plenty of entry points along its banks with easy wading. Fallen trees and grasses provide cover for `bows, brooks and browns. The river, at times only 20 feet across and at others 50, stretches for 8 miles along Route 42 through the Deschutes National Forest just South-west of Bend. It's fly fishing only and when you go be sure to visit the hatchery, which is open to the public.
Waste deep at a U-shaped section of water I open my fly box to see what I have to choose from. And there it was, my Frankenstein Fly. The image reminded me of those children's magazines you find in Doctor's offices. The ones that challenge you to find the hidden mistakes in the cartoon. Well in the case of my fly box, the mistake wasn't too well hidden or too hard to pick out.
You put the leader through the eye of the hook. That's the first step. I couldn't. The eye was blocked by cement. The clear, glue-like stuff that you use to hold all the thread, feathers and so forth in place. I poked at the loop with a sharp object. Eye clear, knot tied, and I'm castin'! A few false casts later and my elk-haired monster is sitting on prime trout real estate.
It naturally drifts the run I'm working, imitating nothing, but giving the trout in the area front row seats at the equivalent of amateur night at the Improv. Oh what a laugh I was giving those `bows. But no matter, I'm fly fishing Oregon's Fall River, and I'm the only one on the water.
Twenty minutes of working the same run, with the fly that even the most desperate of Mayflies would pass on at 2:00 in the morning at the local bug bar, and all I've done is practiced my casting technique. My Frankenstein Fly isn't fooling anything. Now I realize what a great idea it was to leave my camera back in the truck. I sure didn't need it to weigh down one side of my fishing vest for no reason.
It's getting late in the day, and this is the last stretch of water I thought I would try before heading home. I landed a nice 17 rainbow (on a real imitation fly) earlier this morning up-stream, counted 6 deer, and had a huge bald eagle fly over. So no matter what happens in this last section of water, I've already had a storybook day.
My state of mind has turned now from hopeful romantic to one of end-of-the-day game playing. Just how close could I get my bootleg caddis fly to that fallen tree laying over there, and still pull it off the water before it snags the log? One foot, not bad I thought for the amount of line I have out. A few drifts later and I have this fly jumping off the water within six inches of the fallen tree. Not casting champion material, but I'm fly fishing Oregon's Fall River, and I'm the only one on the water.
Turns out I couldn't get the fly any closer than six inches, I've snagged that damn tree! No worries I thought, it was an ugly fly anyway. But wait, the tree is moving with my redheaded stepchild caddis fly in its mouth. My 4-weight G. Loomis rod is bent and my orange colored floating line is zipping through the water as if ...FISH ON, and I fear no fish!
This couldn't be happening, this shouldn't be happening I thought to myself. As I see flashes of silver-lightening streaking through the water, I realize the fallen tree was providing cover for a monster rainbow. But what about my Frankenstein Fly? Do trout get glaucoma?
Run and rest, give and take, point and counterpoint. I'm engaged in an ageless dance with what must be the hungriest candidate for laser eye surgery in all of Central Oregon.
At the bank, I set the defeated 19 rainbow down on green summer grass with my Chernobyl-mutated elk hair caddis still very much in the corner of its mouth. A horribly tied fly, but a very sharp hook. Boy what a classic picture this would've made. I even have a spot on the wall in my office for such a picture. I sure am glad I didn't want that camera uncomfortably weighing down one side of my fishing vest. Better to release the 19' elder I thought, than to kidnap it all the way back to the truck against its will just for the sake of a picture.
I gently back-out my barbless masterpiece, and without much convincing the beautiful but embarrassed rainbow decides to head back to its hole. And with no fish, and not even picture to prove it, I decide to call it a day as well. But not before whispering to myself I'm fly fishing Oregon's Fall River, and I'm the only one on the water.
It was a combination of ego, sentimentality and hopeful romantic fantasy that allowed it into my fly box. Wouldn't it be something if it worked and I actually landed a fish with my first attempt at fly tying? A lost cause you would think while looking at it. But, it felt good just have it sit in my fly box next to those store-bought, apiece, professionally tied flies.
I knew the trout of Oregon's Fall River were smarter than to accept my fly. They've seen, and passed on, the most meticulous artificial creations (very professionally tied ones). No matter, in time there I am, fly fishing Oregon's Fall River, and the only one on the water.
Although some of the gin-clear river is lined with private property, there are plenty of entry points along its banks with easy wading. Fallen trees and grasses provide cover for `bows, brooks and browns. The river, at times only 20 feet across and at others 50, stretches for 8 miles along Route 42 through the Deschutes National Forest just South-west of Bend. It's fly fishing only and when you go be sure to visit the hatchery, which is open to the public.
Waste deep at a U-shaped section of water I open my fly box to see what I have to choose from. And there it was, my Frankenstein Fly. The image reminded me of those children's magazines you find in Doctor's offices. The ones that challenge you to find the hidden mistakes in the cartoon. Well in the case of my fly box, the mistake wasn't too well hidden or too hard to pick out.
You put the leader through the eye of the hook. That's the first step. I couldn't. The eye was blocked by cement. The clear, glue-like stuff that you use to hold all the thread, feathers and so forth in place. I poked at the loop with a sharp object. Eye clear, knot tied, and I'm castin'! A few false casts later and my elk-haired monster is sitting on prime trout real estate.
It naturally drifts the run I'm working, imitating nothing, but giving the trout in the area front row seats at the equivalent of amateur night at the Improv. Oh what a laugh I was giving those `bows. But no matter, I'm fly fishing Oregon's Fall River, and I'm the only one on the water.
Twenty minutes of working the same run, with the fly that even the most desperate of Mayflies would pass on at 2:00 in the morning at the local bug bar, and all I've done is practiced my casting technique. My Frankenstein Fly isn't fooling anything. Now I realize what a great idea it was to leave my camera back in the truck. I sure didn't need it to weigh down one side of my fishing vest for no reason.
It's getting late in the day, and this is the last stretch of water I thought I would try before heading home. I landed a nice 17 rainbow (on a real imitation fly) earlier this morning up-stream, counted 6 deer, and had a huge bald eagle fly over. So no matter what happens in this last section of water, I've already had a storybook day.
My state of mind has turned now from hopeful romantic to one of end-of-the-day game playing. Just how close could I get my bootleg caddis fly to that fallen tree laying over there, and still pull it off the water before it snags the log? One foot, not bad I thought for the amount of line I have out. A few drifts later and I have this fly jumping off the water within six inches of the fallen tree. Not casting champion material, but I'm fly fishing Oregon's Fall River, and I'm the only one on the water.
Turns out I couldn't get the fly any closer than six inches, I've snagged that damn tree! No worries I thought, it was an ugly fly anyway. But wait, the tree is moving with my redheaded stepchild caddis fly in its mouth. My 4-weight G. Loomis rod is bent and my orange colored floating line is zipping through the water as if ...FISH ON, and I fear no fish!
This couldn't be happening, this shouldn't be happening I thought to myself. As I see flashes of silver-lightening streaking through the water, I realize the fallen tree was providing cover for a monster rainbow. But what about my Frankenstein Fly? Do trout get glaucoma?
Run and rest, give and take, point and counterpoint. I'm engaged in an ageless dance with what must be the hungriest candidate for laser eye surgery in all of Central Oregon.
At the bank, I set the defeated 19 rainbow down on green summer grass with my Chernobyl-mutated elk hair caddis still very much in the corner of its mouth. A horribly tied fly, but a very sharp hook. Boy what a classic picture this would've made. I even have a spot on the wall in my office for such a picture. I sure am glad I didn't want that camera uncomfortably weighing down one side of my fishing vest. Better to release the 19' elder I thought, than to kidnap it all the way back to the truck against its will just for the sake of a picture.
I gently back-out my barbless masterpiece, and without much convincing the beautiful but embarrassed rainbow decides to head back to its hole. And with no fish, and not even picture to prove it, I decide to call it a day as well. But not before whispering to myself I'm fly fishing Oregon's Fall River, and I'm the only one on the water.
Saturday, November 3, 2012
Top 5 Fundraising Tips for Small Groups and Organizations
Anyone who has ever worked with a local group or organization knows that funding is king. Whether a group's budget is used to grant awards, sponsor events, raise awareness, or simply conduct day-to-day operations, raising money is an absolute necessity for the modern group or organization, regardless of its size.
Here, we highlight five fundraising ideas and tips that are designed to help small, resource-constrained groups raise money efficiently:
* Define your supporter set. Before you decide how to go about raising money, sit down and think about whose money you are most likely to be receiving. Whether you end up soliciting donations, selling products, or holding a more creative fundraiser, you will likely raise a lot of your money from a core, loyal supporter base. Ask yourself what your typical supporter does for a living, what they do for fun, and why they care about your cause. Remember, your supporter set probably extends far beyond your group members' friends and family. Once you have developed this "supporter profile," you can do a better job of picking a fundraiser that is appealing to as many potential supporters as possible.
* Know your information channels. How will information about your fundraiser get to your supporters? Does your group have a website? A mailing list? A physical sign somewhere in town? Think about the supporter set that we just defined and consider how your typical supporter learns about new events or activities. Sending information to your group's members is a good start, but how will this information get to new supporters or those who are not yet aware of your group? The dream scenario is to get some attention from the local media. Try contacting reporters at your local newspaper (you can usually find e-mail addresses at the bottom of feature articles) or tip lines of your local news stations. These outlets are often eager to learn more about local events and public interest stories, and your fundraiser might just fit the bill.
* Embrace the internet. These days, it is safe to assume that most of your supporters (and countless potential supporters) spend time online every day. Be sure that you are listed on websites that catalog specific causes, such as Idealist.org. Also, be sure to keep an active list of supporter e-mail addresses. To build your list, add a feature on your group's website for collecting the e-mail addresses of supporters. You can also collect e-mail addresses from everyone who makes a purchase or supports you during your regular fundraisers. With a large e-mail list, you will build a strong channel for getting information out whenever your group has new news (or a new fundraiser).
* Set realistic goals--and accept nothing less. No matter how small your organization is, fundraising is all about numbers. If you know exactly how much money you need to raise, you can determine how much money each group member should be responsible for generating. If your fundraiser is something as simple as a bake sale, simply do the math: how many items at 50 cents each does each person have to bake in order to hit their goal? This kind of logic can be used across any kind of fundraiser. Also, when setting member-specific goals, take a tip from the world of sales and secretly inflate everyone's quota by 10% to 20%. That way, even if 10% to 20% of your members fail to meet their quotas, you will still hit your overall fundraising goal.
* Consider the lifetime value of a supporter. When you ask a supporter to contribute to your group or cause, think about more than the immediate goal. Yes, they may contribute just a few dollars today, but if you add up how much they contribute in their lifetime, the numbers can be staggering. This idea of lifetime value teaches a valuable lesson: losing a supporter is more expensive than you think. When someone decides to stop supporting your cause, you are losing income for every future fundraiser you hold. As a result, you should take special care not to alienate, insult, or otherwise offend anyone in your supporter base. This can happen if your fundraiser sells low-quality products, overcharges for items, or pressures donors too highly. Talk to your supporters and see what kinds of fundraisers appeal to them the most. Usually, a fairly small sample size can be enough to get an idea of what fundraising strategy will be best received by your supporter base.
As these fundraising tips reveal, even a small organization can benefit from a high level of fundraising sophistication. Applying ideas like these across an entire campaign can lead to significantly improved performance. Happy fundraising!
Here, we highlight five fundraising ideas and tips that are designed to help small, resource-constrained groups raise money efficiently:
* Define your supporter set. Before you decide how to go about raising money, sit down and think about whose money you are most likely to be receiving. Whether you end up soliciting donations, selling products, or holding a more creative fundraiser, you will likely raise a lot of your money from a core, loyal supporter base. Ask yourself what your typical supporter does for a living, what they do for fun, and why they care about your cause. Remember, your supporter set probably extends far beyond your group members' friends and family. Once you have developed this "supporter profile," you can do a better job of picking a fundraiser that is appealing to as many potential supporters as possible.
* Know your information channels. How will information about your fundraiser get to your supporters? Does your group have a website? A mailing list? A physical sign somewhere in town? Think about the supporter set that we just defined and consider how your typical supporter learns about new events or activities. Sending information to your group's members is a good start, but how will this information get to new supporters or those who are not yet aware of your group? The dream scenario is to get some attention from the local media. Try contacting reporters at your local newspaper (you can usually find e-mail addresses at the bottom of feature articles) or tip lines of your local news stations. These outlets are often eager to learn more about local events and public interest stories, and your fundraiser might just fit the bill.
* Embrace the internet. These days, it is safe to assume that most of your supporters (and countless potential supporters) spend time online every day. Be sure that you are listed on websites that catalog specific causes, such as Idealist.org. Also, be sure to keep an active list of supporter e-mail addresses. To build your list, add a feature on your group's website for collecting the e-mail addresses of supporters. You can also collect e-mail addresses from everyone who makes a purchase or supports you during your regular fundraisers. With a large e-mail list, you will build a strong channel for getting information out whenever your group has new news (or a new fundraiser).
* Set realistic goals--and accept nothing less. No matter how small your organization is, fundraising is all about numbers. If you know exactly how much money you need to raise, you can determine how much money each group member should be responsible for generating. If your fundraiser is something as simple as a bake sale, simply do the math: how many items at 50 cents each does each person have to bake in order to hit their goal? This kind of logic can be used across any kind of fundraiser. Also, when setting member-specific goals, take a tip from the world of sales and secretly inflate everyone's quota by 10% to 20%. That way, even if 10% to 20% of your members fail to meet their quotas, you will still hit your overall fundraising goal.
* Consider the lifetime value of a supporter. When you ask a supporter to contribute to your group or cause, think about more than the immediate goal. Yes, they may contribute just a few dollars today, but if you add up how much they contribute in their lifetime, the numbers can be staggering. This idea of lifetime value teaches a valuable lesson: losing a supporter is more expensive than you think. When someone decides to stop supporting your cause, you are losing income for every future fundraiser you hold. As a result, you should take special care not to alienate, insult, or otherwise offend anyone in your supporter base. This can happen if your fundraiser sells low-quality products, overcharges for items, or pressures donors too highly. Talk to your supporters and see what kinds of fundraisers appeal to them the most. Usually, a fairly small sample size can be enough to get an idea of what fundraising strategy will be best received by your supporter base.
As these fundraising tips reveal, even a small organization can benefit from a high level of fundraising sophistication. Applying ideas like these across an entire campaign can lead to significantly improved performance. Happy fundraising!
Thursday, November 1, 2012
Real Estate Lebanon
When it comes to real estate in Lebanon the zoning laws are quite strict. But before knowing them it is good to know what zoning means. When we have to buy a property in Lebanon and want to know the zoning of the property that we are interested in buying, first thing to do is visit the Cadastre Department at the Moukarzel building situated in Tabaris. Here we can get a copy of the cadastral plan of the property that we are planning to buy. Here we can also ask for the document about the area of the property.
But here too we may come across different measurements that will contradict with the owner and the developer of the property. This might make us wonder about the zoning laws related with the real estate in Lebanon. Which figures can be considered as true? The municipalities of Beirut and Tripoli are responsible for recording the official area of the properties. The General Directorate of Urban Planning and all its branches also carry out the records about the actual area of various properties. The scale on which the area is measured by these two is different. The urban planning uses the scales 1/50 and hence it is the most accurate one. While the cadastre department uses scale 1/200.
Hence while dealing with real estate in Lebanon we might come across different recordings of the area of the same property. The cadastre department only measures the actual area of the property while the urban planning measures the area including the common areas like stairwell. Hence the area measured by the urban planning will be certainly more compared to that measured by the cadastral department. Hence the urban planning will consider the elevators, roof, column below a building, generator room while measuring the area.
But one question arises here which is can the common area be up for sell? The common areas will be used by all those who will reside in that property. This is the point on which most of the professionals disagree. There are two groups here one who thinks that common areas are used by the buyer and hence it should also be considered while counting the area of the property. Others think opposite to it. But not all the properties in Lebanon follow the zoning laws. We can find the details about whether a particular property is zoned or not by visiting the town planning office.
But here too we may come across different measurements that will contradict with the owner and the developer of the property. This might make us wonder about the zoning laws related with the real estate in Lebanon. Which figures can be considered as true? The municipalities of Beirut and Tripoli are responsible for recording the official area of the properties. The General Directorate of Urban Planning and all its branches also carry out the records about the actual area of various properties. The scale on which the area is measured by these two is different. The urban planning uses the scales 1/50 and hence it is the most accurate one. While the cadastre department uses scale 1/200.
Hence while dealing with real estate in Lebanon we might come across different recordings of the area of the same property. The cadastre department only measures the actual area of the property while the urban planning measures the area including the common areas like stairwell. Hence the area measured by the urban planning will be certainly more compared to that measured by the cadastral department. Hence the urban planning will consider the elevators, roof, column below a building, generator room while measuring the area.
But one question arises here which is can the common area be up for sell? The common areas will be used by all those who will reside in that property. This is the point on which most of the professionals disagree. There are two groups here one who thinks that common areas are used by the buyer and hence it should also be considered while counting the area of the property. Others think opposite to it. But not all the properties in Lebanon follow the zoning laws. We can find the details about whether a particular property is zoned or not by visiting the town planning office.
Saturday, October 27, 2012
Career Change Cover Letter Samples
Bored with your current job? Start anew! But in order to do so, perhaps you will need some help with writing a career change cover letter. So here are some free career change cover letter samples for you.
It is quite possible that monotony can set in after a few years in a particular job. And especially in jobs where the work offers no challenge, no variety and no creativity, people feel more and more attracted towards a different career. Making the shift from one career to another is clearly different, as is convincing the recruiting company that you will be able to do a good job there, without any experience to talk of. This is where a career change cover letter comes in. A career change cover letter is a formal letter written by the person who wants a career change, to justify to the recruiting company that with his skill set, he will be able to perform well in the job he is applying for.
Career Change
A career change can also build towards a more diverse career over your working life, so we can also call the career change cover letter a career building cover letter. A lot of people start a career without knowing if that is the career they would like to follow for the rest of their lives. Choosing the right career can be tough when you are young. So before making that big change in your career, you need to get career counseling on how to choose a career.
Career Change Cover Letters
When you make that big decision of changing your career, you have to also convince the recruiting companies that, despite not having relevant experience in their industry, you feel that given your individual skill sets and personal qualities, you can be the right person for the job. So the career change cover letter writing involves writing down the skills which you feel will help you perform well in the job you are applying for.
Samples of Career Change Cover Letter
Here are a couple of career builder cover letter samples. In the first one, the employee of a multinational company-Mr. Smith is writing to the HR of his own company asking to be shifted to a different department of the same company. A lot of companies might be tempted to offer their better employees a career change in their own company as hard-working and loyal employees can be quite rare. Such a situation is a win-win situation for both the company and the employee, the employee gets a career change and the company retains the talent they want in their company. Read on to learn about better career planning.
To,
The Human Resources Manager,
ABS Corp.
Respected Sir/Madam,
I, Mr. Smith have been working in this organization for the past 10 years in the capacity of an accounts manager of the Soaps Division of this esteemed company.
But over the past few months, I have been re-evaluating my skill sets and my interests and I have come to believe that a job in the marketing division would suit me well. Here are some of the key skills I possess which I feel will help me do well in such a job.
1. Knowledge of the Product: Having worked in this company for 10 years, I believe I have extensive knowledge of the company, the way it works, its clients and the product itself which I feel will help me market the product better.
2. Communication Skills: Over the years I have always known that I have very good communication and networking skills. I also enjoy meeting new people and am very comfortable dealing with clients. So I believe I can bring these hitherto untapped job skills in this career.
3. Qualifications: You will also see that I have done my master's degree in both accounts and marketing fields. Over the years I have also kept myself up-to-date with the latest developments in the field of marketing. Hence I believe that I also have the know-how and sound knowledge of marketing principles which will help me perform well on the job.
Apart from these, I'm also a results-driven person, loyal to the company, energetic and eager to learn and my years in the company stand as a testimony to the above.
Hence, I would be delighted if you were to consider me for the post of marketing manager, recently vacated by Mr. Williams. I assure you that I am eager to make this shift in my career and hope that this company will give me the desired platform.
Thanking you,
Mr Smith.
Here's another career change resume examples as given by Mr. Jones in this career change cover letter. Mr. Jones is working in one company and feels a better opportunity at a better job in a different field and is applying to a different company.
To,
The Human Resources Manager,
ABD Corp
Respected Sir/Madam,
My name is Mr. Jones and I am currently employed in the engineering division of TFSA Corp. I wish to apply for the job of Copywriter in your advertising company as you had posted the same on a job portal.
Although I have been working in the engineering department of the TFSA Corp. for over 5 years now, I believe that my interests and skills have always been more on the creative side. And having done a diploma in marketing and advertising recently, I only feel more equipped to handle a job of a copywriter in your prestigious firm.
Some of the key skills I possess, which I feel will help me become successful in the job include
1. Communication Skills: Any job in advertising will involve a good amount of communication with the client companies and I most certainly feel that I am up for the challenge. I have always been very good at talking to people and feel that I can really use this skill very productively at the workplace.
2. Hard Work: The job of a copywriter will presumably involve several long days at work and a lot of sleepless nights, but being the success and achievement driven man that I am, I feel that I will revel in such a situation and will be the best candidate for the job.
3. Creativity: Unfortunately, there is really no way I can quantify this skill to you in a letter, but I am sure that when the opportunity presents itself, I will be able to do reasonably well.
So I would be delighted if you were to consider me for the post of a copywriter. I believe that I am the right man for the job.
Thanking you,
Mr. Jones.
Looking for a career change but don't know where to go? Check out this article on career change ideas.
So these were some of the career change cover letter samples. Career change is a big decision one takes in life and before you do it, you need to be thoroughly convinced that you will be able to do well in another career.
It is quite possible that monotony can set in after a few years in a particular job. And especially in jobs where the work offers no challenge, no variety and no creativity, people feel more and more attracted towards a different career. Making the shift from one career to another is clearly different, as is convincing the recruiting company that you will be able to do a good job there, without any experience to talk of. This is where a career change cover letter comes in. A career change cover letter is a formal letter written by the person who wants a career change, to justify to the recruiting company that with his skill set, he will be able to perform well in the job he is applying for.
Career Change
A career change can also build towards a more diverse career over your working life, so we can also call the career change cover letter a career building cover letter. A lot of people start a career without knowing if that is the career they would like to follow for the rest of their lives. Choosing the right career can be tough when you are young. So before making that big change in your career, you need to get career counseling on how to choose a career.
Career Change Cover Letters
When you make that big decision of changing your career, you have to also convince the recruiting companies that, despite not having relevant experience in their industry, you feel that given your individual skill sets and personal qualities, you can be the right person for the job. So the career change cover letter writing involves writing down the skills which you feel will help you perform well in the job you are applying for.
Samples of Career Change Cover Letter
Here are a couple of career builder cover letter samples. In the first one, the employee of a multinational company-Mr. Smith is writing to the HR of his own company asking to be shifted to a different department of the same company. A lot of companies might be tempted to offer their better employees a career change in their own company as hard-working and loyal employees can be quite rare. Such a situation is a win-win situation for both the company and the employee, the employee gets a career change and the company retains the talent they want in their company. Read on to learn about better career planning.
To,
The Human Resources Manager,
ABS Corp.
Respected Sir/Madam,
I, Mr. Smith have been working in this organization for the past 10 years in the capacity of an accounts manager of the Soaps Division of this esteemed company.
But over the past few months, I have been re-evaluating my skill sets and my interests and I have come to believe that a job in the marketing division would suit me well. Here are some of the key skills I possess which I feel will help me do well in such a job.
1. Knowledge of the Product: Having worked in this company for 10 years, I believe I have extensive knowledge of the company, the way it works, its clients and the product itself which I feel will help me market the product better.
2. Communication Skills: Over the years I have always known that I have very good communication and networking skills. I also enjoy meeting new people and am very comfortable dealing with clients. So I believe I can bring these hitherto untapped job skills in this career.
3. Qualifications: You will also see that I have done my master's degree in both accounts and marketing fields. Over the years I have also kept myself up-to-date with the latest developments in the field of marketing. Hence I believe that I also have the know-how and sound knowledge of marketing principles which will help me perform well on the job.
Apart from these, I'm also a results-driven person, loyal to the company, energetic and eager to learn and my years in the company stand as a testimony to the above.
Hence, I would be delighted if you were to consider me for the post of marketing manager, recently vacated by Mr. Williams. I assure you that I am eager to make this shift in my career and hope that this company will give me the desired platform.
Thanking you,
Mr Smith.
Here's another career change resume examples as given by Mr. Jones in this career change cover letter. Mr. Jones is working in one company and feels a better opportunity at a better job in a different field and is applying to a different company.
To,
The Human Resources Manager,
ABD Corp
Respected Sir/Madam,
My name is Mr. Jones and I am currently employed in the engineering division of TFSA Corp. I wish to apply for the job of Copywriter in your advertising company as you had posted the same on a job portal.
Although I have been working in the engineering department of the TFSA Corp. for over 5 years now, I believe that my interests and skills have always been more on the creative side. And having done a diploma in marketing and advertising recently, I only feel more equipped to handle a job of a copywriter in your prestigious firm.
Some of the key skills I possess, which I feel will help me become successful in the job include
1. Communication Skills: Any job in advertising will involve a good amount of communication with the client companies and I most certainly feel that I am up for the challenge. I have always been very good at talking to people and feel that I can really use this skill very productively at the workplace.
2. Hard Work: The job of a copywriter will presumably involve several long days at work and a lot of sleepless nights, but being the success and achievement driven man that I am, I feel that I will revel in such a situation and will be the best candidate for the job.
3. Creativity: Unfortunately, there is really no way I can quantify this skill to you in a letter, but I am sure that when the opportunity presents itself, I will be able to do reasonably well.
So I would be delighted if you were to consider me for the post of a copywriter. I believe that I am the right man for the job.
Thanking you,
Mr. Jones.
Looking for a career change but don't know where to go? Check out this article on career change ideas.
So these were some of the career change cover letter samples. Career change is a big decision one takes in life and before you do it, you need to be thoroughly convinced that you will be able to do well in another career.
Monday, October 22, 2012
From Metal To Horror Rap, Pop's Most Shocking Stage Artists
Ever since the rise of rock and roll, some of the best underground music has also been some of the most shocking when performed live. In fact, many of the most distinctive underground music performers became true pop stars on the strength of their shocking live performances.
From Alice Cooper to Insane Clown Posse, the overall world of pop has been full of some jaw-dropping stage shows. Here are some of the most outrageous performers who have come out of underground music worlds.
Alice Cooper: Cooper was one of the original shock-rockers, whose wild ways would go on to influence underground music followers as diverse as metal bands and horror rap acts like Insane Clown Posse. Cooper's been hanged onstage, danced with monsters, and been tormented by freaky, sexy nurses. And he's still up to it in his 60s!
Marilyn Manson: Though he started in underground music scenes, Manson gained total fame -- and infamy -- based on his shows. Live Manson concerts involve simulated nudity, profanity galore, and even subverted fascist imagery. Although it provokes knee-jerk reactions, critical thinking reveals deeper meaning behind the shock.
Rammstein: This German underground music favorite doesn't try to apply too much intellectualism to its live show, but it still aims to shock. Their performance fascinations are particularly sexual, full of simulated sodomy and other taboo perversions.
When they're not freaking out the squares with that, they're lighting their instruments on fire, soaking themselves in fake blood, or crowd-surfing in inflatable rafts.
Esham: This Detroit rapper is one of the founders of horror rap, though he doesn't get much credit for this outside of the area's underground music circles. Esham would later be cited as a major influence by later acts like Insane Clown Posse. His own brand of horror rap often blended rock beats with rhymes.
At the same time, he also performed his horror rap with a rock and roll type stage show. For much of his early career in underground music, he flirted openly with Satanic imagery, like so many horror rap artists would do after him. At the time, though, the mere existence of horror rap was shocking, as was Esham's favored unabashedly psychedelic onstage atmosphere and lyrical content.
Insane Clown Posse: Following in Esham's footsteps, Insane Clown Posse took up horror rap ideas with glee. Following with their favored album theme of the "Dark Carnival" mythology, Insane Clown Posse shows have featured murderous clowns, freak shows, and, usually, oceans of Faygo soda. It gets sprayed, shot from waterguns, poured from buckets, or just drop-kicked, bottle and all.
From Alice Cooper to Insane Clown Posse, the overall world of pop has been full of some jaw-dropping stage shows. Here are some of the most outrageous performers who have come out of underground music worlds.
Alice Cooper: Cooper was one of the original shock-rockers, whose wild ways would go on to influence underground music followers as diverse as metal bands and horror rap acts like Insane Clown Posse. Cooper's been hanged onstage, danced with monsters, and been tormented by freaky, sexy nurses. And he's still up to it in his 60s!
Marilyn Manson: Though he started in underground music scenes, Manson gained total fame -- and infamy -- based on his shows. Live Manson concerts involve simulated nudity, profanity galore, and even subverted fascist imagery. Although it provokes knee-jerk reactions, critical thinking reveals deeper meaning behind the shock.
Rammstein: This German underground music favorite doesn't try to apply too much intellectualism to its live show, but it still aims to shock. Their performance fascinations are particularly sexual, full of simulated sodomy and other taboo perversions.
When they're not freaking out the squares with that, they're lighting their instruments on fire, soaking themselves in fake blood, or crowd-surfing in inflatable rafts.
Esham: This Detroit rapper is one of the founders of horror rap, though he doesn't get much credit for this outside of the area's underground music circles. Esham would later be cited as a major influence by later acts like Insane Clown Posse. His own brand of horror rap often blended rock beats with rhymes.
At the same time, he also performed his horror rap with a rock and roll type stage show. For much of his early career in underground music, he flirted openly with Satanic imagery, like so many horror rap artists would do after him. At the time, though, the mere existence of horror rap was shocking, as was Esham's favored unabashedly psychedelic onstage atmosphere and lyrical content.
Insane Clown Posse: Following in Esham's footsteps, Insane Clown Posse took up horror rap ideas with glee. Following with their favored album theme of the "Dark Carnival" mythology, Insane Clown Posse shows have featured murderous clowns, freak shows, and, usually, oceans of Faygo soda. It gets sprayed, shot from waterguns, poured from buckets, or just drop-kicked, bottle and all.
Wednesday, October 17, 2012
The Benefits Of Going To Cosmetology School
The secret to eternal beauty has been a dream that has eluded the human species since the dawn of time. While it may be source of constant torment for most, it can be incredibly lucrative for someone who happens to be in the business of cosmetology.
The fact of the matter is people will always want to look their best. In fact, the field of cosmetology is one of the few professions that haven't taken a significant turn for the worse during these struggling economy times.
If you're truly interested in this career, but don't want to pay for a full 4 years of education, there are quite a few program-focused beauty schools in the United States that will help you to reach your goals quickly and efficiently.
For those planning on following this career, there are many benefits that can come from attending a cosmetology school. Obviously, choosing one of these specialty schools over a 4-year degree will save you thousands of dollars in student loans. As an added bonus, most accredited cosmetology schools even offer financial aid, including grant, scholarships and even student loans. There are also a few non-accredited cosmetology schools that offer similar grants and scholarships as well.
For students with an eagerness to learn, these school offer an incredibly hands-on approach to learning, allowing you to acquire the real-world experience you'll need before heading out on your own.
If you're young and love to stay on top of the trends, these schools will offer an incredibly rewarding experience, allowing you to delve into today's hottest fashions, and helping you learn how to pull off the looks that define today's culture. Plus, the boredom factor is relatively low. In fact, this industry will quickly teach you that every day is a new learning experience, which is a lesson which will carry over quite extensively into your entire career.
Remember, you don't have to be young to start your career in the world of cosmetology, as these courses naturally attract beauty-lovers of all ages. There are specialty schools and courses all over the country that will help you learn the trade, so feel free to take the time to seek out the program that's right for you.
The fact of the matter is people will always want to look their best. In fact, the field of cosmetology is one of the few professions that haven't taken a significant turn for the worse during these struggling economy times.
If you're truly interested in this career, but don't want to pay for a full 4 years of education, there are quite a few program-focused beauty schools in the United States that will help you to reach your goals quickly and efficiently.
For those planning on following this career, there are many benefits that can come from attending a cosmetology school. Obviously, choosing one of these specialty schools over a 4-year degree will save you thousands of dollars in student loans. As an added bonus, most accredited cosmetology schools even offer financial aid, including grant, scholarships and even student loans. There are also a few non-accredited cosmetology schools that offer similar grants and scholarships as well.
For students with an eagerness to learn, these school offer an incredibly hands-on approach to learning, allowing you to acquire the real-world experience you'll need before heading out on your own.
If you're young and love to stay on top of the trends, these schools will offer an incredibly rewarding experience, allowing you to delve into today's hottest fashions, and helping you learn how to pull off the looks that define today's culture. Plus, the boredom factor is relatively low. In fact, this industry will quickly teach you that every day is a new learning experience, which is a lesson which will carry over quite extensively into your entire career.
Remember, you don't have to be young to start your career in the world of cosmetology, as these courses naturally attract beauty-lovers of all ages. There are specialty schools and courses all over the country that will help you learn the trade, so feel free to take the time to seek out the program that's right for you.
Monday, October 15, 2012
How To Purge Your Bankruptcy Records And Start Again On Clean Slates
How To Purge Your Bankruptcy Records And Start Again On Clean Slates
According to the Federal Fair Credit Reporting Act, entries in the bankruptcy records shall remain on the record for ten years. Yes, it takes that long before your bankruptcy records are removed so it is very important that you stay out of bankruptcy if you can. Remember that credits check the entries in the bankruptcy records when doing credit investigation and if your prospective creditors found out about your bankruptcy records, they may not be so open about the idea of granting you a loan. Financial institutions do not like giving loans to people with poor credit history. Fortunately, your bankruptcy records do have an expiry date and if you are good at paying your obligations, you may not have to wait for 10 years before you can get rid of your bankruptcy records. To help you improve credit ratings, here are some tips for you.
Pay Your Loans On Time And Live Within Your Means
Paying your outstanding loans on time will help improve your credit scores. If you pay your financial obligations on time for a few years, many financial institutions are willing to turn a blind eye on your bankruptcy records. Yes, these financial institutions will probably not grant you big loans at once but once you gain their trust, you will eventually get a good credit line from these companies. To the key here is to improve your credit scores and make sure that you do not do anything to spoke your creditors. To make sure that you meet all your financial obligations on time, live within your means. Learn to stick to your budget. You will not get into some serious financial troubles if you do to not overstretch your resources.
Be Proactive In Purging Your Bankruptcy Records
Credit reporting agencies are not obliged to purge your bankruptcy records at once after the lapse of ten years. If you want to clean your records, you need to be proactive. Instead of just waiting for credits reporting agencies to remove your bankruptcy records from your credit report, make copies of your discharge notification and draft a letter informing the credit reporting agencies that your bankruptcy records have been formally purged. Send your letter together with a copy of your discharge notification to the major credit reporting agencies in the country. Give the credit reporting agencies a call a few days after sending them copies of your discharge notification to check if they have received your discharge notification and check if they have removed your bankruptcy records from your credit report.
According to the Federal Fair Credit Reporting Act, entries in the bankruptcy records shall remain on the record for ten years. Yes, it takes that long before your bankruptcy records are removed so it is very important that you stay out of bankruptcy if you can. Remember that credits check the entries in the bankruptcy records when doing credit investigation and if your prospective creditors found out about your bankruptcy records, they may not be so open about the idea of granting you a loan. Financial institutions do not like giving loans to people with poor credit history. Fortunately, your bankruptcy records do have an expiry date and if you are good at paying your obligations, you may not have to wait for 10 years before you can get rid of your bankruptcy records. To help you improve credit ratings, here are some tips for you.
Pay Your Loans On Time And Live Within Your Means
Paying your outstanding loans on time will help improve your credit scores. If you pay your financial obligations on time for a few years, many financial institutions are willing to turn a blind eye on your bankruptcy records. Yes, these financial institutions will probably not grant you big loans at once but once you gain their trust, you will eventually get a good credit line from these companies. To the key here is to improve your credit scores and make sure that you do not do anything to spoke your creditors. To make sure that you meet all your financial obligations on time, live within your means. Learn to stick to your budget. You will not get into some serious financial troubles if you do to not overstretch your resources.
Be Proactive In Purging Your Bankruptcy Records
Credit reporting agencies are not obliged to purge your bankruptcy records at once after the lapse of ten years. If you want to clean your records, you need to be proactive. Instead of just waiting for credits reporting agencies to remove your bankruptcy records from your credit report, make copies of your discharge notification and draft a letter informing the credit reporting agencies that your bankruptcy records have been formally purged. Send your letter together with a copy of your discharge notification to the major credit reporting agencies in the country. Give the credit reporting agencies a call a few days after sending them copies of your discharge notification to check if they have received your discharge notification and check if they have removed your bankruptcy records from your credit report.
Friday, October 12, 2012
Vacuum Truck Safety and Oil Field Work!
Among other tasks, one of the most common ones for a vacuum truck takes place in an oil field. This equipment is an indispensable tool for collecting the by-products of oil and gas exploration, such as basic sediment and water. Unlike other liquids, waste that is collected from oil and gas exploration is potentially flammable, so even though the equipment is designed to perform this job, there are necessary precautions that must be implemented in order to avoid this type of serious accident.
Risks Involved
While sediment and water collected from gas and oil production wells may seem like just another mix of waste water, they could contain flammable hydrocarbons that can combust at a high rate and therefore carry a great deal of risk and danger. An analysis conducted by the Chemical Safety and Hazard Investigation Board (CSB) on nine wells showed that eight out of the nine tested had flashpoints below 30 F. According to the Occupational Safety and Health Administration (OSHA), any liquids that have a flashpoint of 100 F are considered to be flammable.
The study regarding the potential risk of loading and unloading the sediments and water waste generated by gas and oil wells began when an accident occurred at an oilfield waste disposal complex on January 13, 2003, in Rosharon, Texas, just outside of Houston. A couple of vacuum trucks were in the process of unloading a mixture of sediment and water that had been collected from oil field production wells. The two trucks were parked 16 feet from each other and the drivers were given instructions to unload and rinse out the vehicles. After this was done, the two drivers proceeded to the driver's shed for their papers to be processed. After a few minutes, a huge explosion occurred inside the waste disposal facility killing three people and causing severe burns to three others. The explosion also caused a great deal of damage to the facility.
An investigation conducted by the CSB and OSHA revealed that the condensation inside the tanks caused the explosion and the source of ignition was the truck engines, which were still running. These findings were backed by eye witnesses of the incident, as well as other evidence that was found at the scene.
What Went Wrong
Many factors contributed to this explosion occurring. The shipper failed to identify the flammability of the waste being disposed. The transportation company did not request the Material Safety Data Sheet (MSDS), which could have provided information about the hazards of the material being transported. The waste collection facility also did not have an effective system of determining the hazards of handling and unloading water and sediments from oil and gas wells.
How to Be Safe
Before handling flammable waste liquids including basic sediment and water, an operator must first undergo training for: hazard communication; flammable and combustible liquids; hazardous waste operations and emergency responses; air contaminants; and the proper classification and manifestation of flammable liquids. Below is a list of other precautions the drivers could have taken to save the lives of those affected by the blast.
* Request MSDS - Operators must always request an MSDS, and refer to it to determine the hazards associated with the material before transporting it.
* Be Aware of Hazards - Operators should be aware of any potential source of ignition, including the engine.
* Don't Mix Liquids - Different types of liquids should not be mixed to avoid any possible reaction.
* Test Atmosphere - Atmospheric testing should be done on-site to determine if any hydrocarbon concentration has reached the flammable range.
* Spark Control - Bonding and grounding should be implemented to eliminate any potential source of sparks.
Every vacuum truck is designed to be a safe means of transporting various types of waste material, including those that are hazardous and flammable such as those found in oil field work. Incidents such as the one mentioned above may still occur when operators are negligent in handling their equipment. The information provided above fill hopefully furnish the necessary knowledge about the hazards of handling oil and gas well waste products and how to avoid them be careful!
Risks Involved
While sediment and water collected from gas and oil production wells may seem like just another mix of waste water, they could contain flammable hydrocarbons that can combust at a high rate and therefore carry a great deal of risk and danger. An analysis conducted by the Chemical Safety and Hazard Investigation Board (CSB) on nine wells showed that eight out of the nine tested had flashpoints below 30 F. According to the Occupational Safety and Health Administration (OSHA), any liquids that have a flashpoint of 100 F are considered to be flammable.
The study regarding the potential risk of loading and unloading the sediments and water waste generated by gas and oil wells began when an accident occurred at an oilfield waste disposal complex on January 13, 2003, in Rosharon, Texas, just outside of Houston. A couple of vacuum trucks were in the process of unloading a mixture of sediment and water that had been collected from oil field production wells. The two trucks were parked 16 feet from each other and the drivers were given instructions to unload and rinse out the vehicles. After this was done, the two drivers proceeded to the driver's shed for their papers to be processed. After a few minutes, a huge explosion occurred inside the waste disposal facility killing three people and causing severe burns to three others. The explosion also caused a great deal of damage to the facility.
An investigation conducted by the CSB and OSHA revealed that the condensation inside the tanks caused the explosion and the source of ignition was the truck engines, which were still running. These findings were backed by eye witnesses of the incident, as well as other evidence that was found at the scene.
What Went Wrong
Many factors contributed to this explosion occurring. The shipper failed to identify the flammability of the waste being disposed. The transportation company did not request the Material Safety Data Sheet (MSDS), which could have provided information about the hazards of the material being transported. The waste collection facility also did not have an effective system of determining the hazards of handling and unloading water and sediments from oil and gas wells.
How to Be Safe
Before handling flammable waste liquids including basic sediment and water, an operator must first undergo training for: hazard communication; flammable and combustible liquids; hazardous waste operations and emergency responses; air contaminants; and the proper classification and manifestation of flammable liquids. Below is a list of other precautions the drivers could have taken to save the lives of those affected by the blast.
* Request MSDS - Operators must always request an MSDS, and refer to it to determine the hazards associated with the material before transporting it.
* Be Aware of Hazards - Operators should be aware of any potential source of ignition, including the engine.
* Don't Mix Liquids - Different types of liquids should not be mixed to avoid any possible reaction.
* Test Atmosphere - Atmospheric testing should be done on-site to determine if any hydrocarbon concentration has reached the flammable range.
* Spark Control - Bonding and grounding should be implemented to eliminate any potential source of sparks.
Every vacuum truck is designed to be a safe means of transporting various types of waste material, including those that are hazardous and flammable such as those found in oil field work. Incidents such as the one mentioned above may still occur when operators are negligent in handling their equipment. The information provided above fill hopefully furnish the necessary knowledge about the hazards of handling oil and gas well waste products and how to avoid them be careful!
Sunday, October 7, 2012
Leasing Retail Space - Know Your Neighbors
Are Nearby Stores Complementary?
Next review whether the retail space you are considering is complementary to nearby retail establishments. For example, it would not be appropriate to put a liquor store adjacent to a school for troubled children. However, a dry cleaners, nail salon, office supply store and dollar store might all fit well in their neighborhood shopping center anchored by a major grocery chain.
Complementary Stores
Grocery stores, drugstores and gas stations tend to be complementary. In some cases, they are all provided by one retailer. For example, many of the Sam's Club or super Wal-Mart's have groceries, a drugstore and sell gasoline. In addition, there has been a growing trend for grocery stores to sell gasoline as a loss leader. Their objective is not to make money selling gasoline. Their objective is to increase the number of trips customers make to the store to buy groceries.
Category Killers
In some cases, "category killers" cluster in a power center. (A category killer is a retailer who stocks every conceivable item relative to a category. Office Depot is a category killer for office supplies. Petco is a category killer for pet supplies.) Having four to six category killers in one cluster is referred to as a power center.
More on Category Killers
The stores are not linked in a physical sense, other than being part of the same planned development. In other words, they were likely developed at the same time on one large tract of land, but there is no enclosed pathway between the stores. Other examples of category killers are Home Depot, Circuit City, Best Buy, Linens N Things and Bed Bath and Beyond.
Example of Complementary Uses
Another example of complementary use retail uses would be to put a beauty products store, hair salon, tanning salon, nail salon and spa contiguous with each other in the same retail center. Customers interested in one of these businesses may well be interested in at least one of the others.
Avoid a Deal Killer
Complementary uses can be a meaningful enhancement of a location. However, uses which are clearly inconsistent with your proposed location may be a deal killer.
Construction
When retail space meets the minimally acceptable standard for the previously discussed criteria, it is time to review the costs to prepare the retail space for your business. In broad terms, the costs include signage and the cost of renovating or redoing the improvements within your space.
Tenant Improvements
At this point, you need to know the landlord's policy regarding tenant improvements. (Tenant improvements are worked performed to make space suitable for a business. It can include adding restrooms, demolishing and adding walls, floor coverings, window coverings, signage and virtually anything else related to physically preparing the retail space for your business.
Will the Landlord Pay?
The landlord is usually willing to fund tenant improvement expenditures provided he is confident the tenant has the financial capacity to pay rent for the term of the lease. If you're representing a national retailer with a strong balance sheet, landlords will practically spend as much money as you request on tenant improvements. Of course, the cost of the tenant improvements will be built into the rental rate.
It's Up to You
If you're a start-up business with no track record and little capital, landlords will be cautious about expenditures for tenant improvements. They will likely want you to fund tenant improvements for your space. The benefit is your rental rate will be lower. However, you'll have to include the cost of preparing your space for occupancy in your initial capitalization.
TI Details
Other issues related to tenant improvements include defining the work to be done, and who has financial responsibility for performing the work. If you're a national retailer, you might provide a landlord with a detailed set of plans for your space. It is then up to him to cost effectively provide the buildout you are requiring. If you're a smaller retailer, the landlord may provide a tenant improvement allowance, and require you to interface with contractors to have the work performed.
How Much TI?
The cost of tenant improvements occasionally exceeds 0 per square foot for second-generation retail. It is generally much lower. Even if the landlord is willing to provide substantial funds for tenant improvements, be cautious about the scope of work for tenant improvements. The landlord's expenditure for tenant improvements is essentially a loan which will be repaid with your rent during the term of the lease.
Who pays for ADA?
If the space requires tenant improvements which require obtaining a building permit from the city, review whether you'll have to replace the restroom because of ADA. (ADA is the Americans with Disabilities Act). In most cases, changes to provide ADA compliance are not necessary if you not require a building permit. However, a consequence of obtaining a building permit is typically that the space must be revised to completely comply with ADA. Replacing the bathroom so it is ADA compliant can be expensive.
The Market Research and Consulting division of O'Connor & Associates provides information necessary to make decision to commercial real estate professionals. Occupancy and Rental Data, ownership and management information are routinely gathered for four major land uses multifamily, office, retail and industrial. This information allows investors to compare competitive properties, facilitate business decisions and track market and submarket performance. In addition the data is useful to brokers who for example continually monitor Houston retail space leasing, Houston office space leasing, Houston industrial space leasing, Houston apartments, Dallas apartments, Ft. Worth apartments, Austin apartments, and San Antonio apartments.
Next review whether the retail space you are considering is complementary to nearby retail establishments. For example, it would not be appropriate to put a liquor store adjacent to a school for troubled children. However, a dry cleaners, nail salon, office supply store and dollar store might all fit well in their neighborhood shopping center anchored by a major grocery chain.
Complementary Stores
Grocery stores, drugstores and gas stations tend to be complementary. In some cases, they are all provided by one retailer. For example, many of the Sam's Club or super Wal-Mart's have groceries, a drugstore and sell gasoline. In addition, there has been a growing trend for grocery stores to sell gasoline as a loss leader. Their objective is not to make money selling gasoline. Their objective is to increase the number of trips customers make to the store to buy groceries.
Category Killers
In some cases, "category killers" cluster in a power center. (A category killer is a retailer who stocks every conceivable item relative to a category. Office Depot is a category killer for office supplies. Petco is a category killer for pet supplies.) Having four to six category killers in one cluster is referred to as a power center.
More on Category Killers
The stores are not linked in a physical sense, other than being part of the same planned development. In other words, they were likely developed at the same time on one large tract of land, but there is no enclosed pathway between the stores. Other examples of category killers are Home Depot, Circuit City, Best Buy, Linens N Things and Bed Bath and Beyond.
Example of Complementary Uses
Another example of complementary use retail uses would be to put a beauty products store, hair salon, tanning salon, nail salon and spa contiguous with each other in the same retail center. Customers interested in one of these businesses may well be interested in at least one of the others.
Avoid a Deal Killer
Complementary uses can be a meaningful enhancement of a location. However, uses which are clearly inconsistent with your proposed location may be a deal killer.
Construction
When retail space meets the minimally acceptable standard for the previously discussed criteria, it is time to review the costs to prepare the retail space for your business. In broad terms, the costs include signage and the cost of renovating or redoing the improvements within your space.
Tenant Improvements
At this point, you need to know the landlord's policy regarding tenant improvements. (Tenant improvements are worked performed to make space suitable for a business. It can include adding restrooms, demolishing and adding walls, floor coverings, window coverings, signage and virtually anything else related to physically preparing the retail space for your business.
Will the Landlord Pay?
The landlord is usually willing to fund tenant improvement expenditures provided he is confident the tenant has the financial capacity to pay rent for the term of the lease. If you're representing a national retailer with a strong balance sheet, landlords will practically spend as much money as you request on tenant improvements. Of course, the cost of the tenant improvements will be built into the rental rate.
It's Up to You
If you're a start-up business with no track record and little capital, landlords will be cautious about expenditures for tenant improvements. They will likely want you to fund tenant improvements for your space. The benefit is your rental rate will be lower. However, you'll have to include the cost of preparing your space for occupancy in your initial capitalization.
TI Details
Other issues related to tenant improvements include defining the work to be done, and who has financial responsibility for performing the work. If you're a national retailer, you might provide a landlord with a detailed set of plans for your space. It is then up to him to cost effectively provide the buildout you are requiring. If you're a smaller retailer, the landlord may provide a tenant improvement allowance, and require you to interface with contractors to have the work performed.
How Much TI?
The cost of tenant improvements occasionally exceeds 0 per square foot for second-generation retail. It is generally much lower. Even if the landlord is willing to provide substantial funds for tenant improvements, be cautious about the scope of work for tenant improvements. The landlord's expenditure for tenant improvements is essentially a loan which will be repaid with your rent during the term of the lease.
Who pays for ADA?
If the space requires tenant improvements which require obtaining a building permit from the city, review whether you'll have to replace the restroom because of ADA. (ADA is the Americans with Disabilities Act). In most cases, changes to provide ADA compliance are not necessary if you not require a building permit. However, a consequence of obtaining a building permit is typically that the space must be revised to completely comply with ADA. Replacing the bathroom so it is ADA compliant can be expensive.
The Market Research and Consulting division of O'Connor & Associates provides information necessary to make decision to commercial real estate professionals. Occupancy and Rental Data, ownership and management information are routinely gathered for four major land uses multifamily, office, retail and industrial. This information allows investors to compare competitive properties, facilitate business decisions and track market and submarket performance. In addition the data is useful to brokers who for example continually monitor Houston retail space leasing, Houston office space leasing, Houston industrial space leasing, Houston apartments, Dallas apartments, Ft. Worth apartments, Austin apartments, and San Antonio apartments.
Wednesday, October 3, 2012
Square Trade
History & Description of the Service
In 2000, Square Trade launched a cutting edge service to help ebay buyers and sellers resolve disputes on the internet. With the growth of internet commerce, it had become widely recognized that buyers and sellers had no meaningful recourse for resolving disputes that arose from online transactions. Consumer advocacy groups decried the need to protect buyers from online fraud, and sellers on eBay begged from some mechanism to protect their online reputations, such as the feedback system at eBay, from being unfairly discredited. Square Trade launched its dispute resolution service in 2000, receiving its first dispute within 15 minutes of creating an active link from eBay. The mediation service quickly become the largest utilized dispute resolution worldwide, either offline or online.
Square Trade chose to provide mediation, which is a service that assists parties in reaching a negotiated settlement agreement. Mediation is completely voluntary; nobody is forced to participate. Mediation keeps the control with the parties, unlike other models of dispute resolution such as arbitration or a judge & jury. This type of resolution service works effectively because it keeps the parties in complete control of the process and avoids all of the legal jurisdictional quandaries with which the internet challenges legal scholars. Consumer groups were satisfied that buyers would maintain their rights and business advocates were pleased that sellers could be given a mechanism for protecting their reputations.
During Square Trade's history its online dispute resolution service has been expanded to resolve a wide range of disputes beyond the world of ecommerce and eBay. For example, in significant numbers it handled service disputes for eLance, an online services marketplace, and offline real estate conflicts between buyers and sellers for the California Association of Realtors.
Square Trade's network of online mediators draws from an international group of trained and highly experienced online mediators. To join Square Trade's service, mediators are required to have had extensive offline mediation experience and to successfully complete Square Trade's rigorous online training program. The flexibility and cutting edge nature of the work has encouraged most Square Trade mediators to remain committed to the work. All of the current network of Square Trade mediators have been working for Square Trade and handling eBay disputes for well over four years. This group brings sophisticated experience to both their mediation practice as well as understanding the nuances and complications of online mediation.
Does it Work?
Online dispute resolution has been shown to efficaciously resolve problems. Square Trade's experience has shown that several factors enhance the likelihood that an online system will lead to successful resolution of the dispute.
First, parties will be much more likely to settle if they have enhanced reasons to participate, such as geographical distance rendering in person meetings costly or difficult, jurisdictional boundaries making legal systems more challenging to navigate, or structural incentives to participate such as consequences for failing to participate such as a contractual mediation clause or eBay's feedback system.
Second, complex or emotionally charged situations will be more effectively resolved with the assistance of a skilled mediator who knows how to handle emotions in written communications, is aware of distinct cultural norms, and can leverage the mediation process and online technology to create meaningful opportunities for parties to express themselves and transition to resolution.
Third, a tailored online technology such as Square Trade's can facilitate resolution. A clear and well designed intake form enables the parties to appropriately express themselves entering the mediation. A secure arena for participation also fosters crucial trust in the process and system.
Fourth, the disposition of the parties is crucial to a speedy resolution. Researchers from the Kellogg School of Management at Northwestern University published a study of Square Trade's dispute resolution service in the Academy of Management Journal that showed that parties were more likely to resolve a case when they focus on resolution and avoid expressions of anger. See Emotions and Rationality in Mediation: Evidence from Electronically-Mediated Disputes, Friedman, et. al. Jan. 2003, referenced here.
Square Trade's ODR Service Today
Now in its eighth year of service, Square Trade has refined its mediation services to best meet the needs of eBay buyers and sellers. eBay users who have a dispute that includes a feedback issue may, for a small fee, file a case with Square Trade. The filer enters the relevant eBay item number and a brief description of the problem. Thereafter Square Trade's system will obtain relevant details from eBay directly, and contact the other party to notify them of the dispute. Square Trade's system and mediators handle the case according to rules and guidelines established by eBay for reviewing feedback disputes. Most cases are resolved within two weeks.
In 2000, Square Trade launched a cutting edge service to help ebay buyers and sellers resolve disputes on the internet. With the growth of internet commerce, it had become widely recognized that buyers and sellers had no meaningful recourse for resolving disputes that arose from online transactions. Consumer advocacy groups decried the need to protect buyers from online fraud, and sellers on eBay begged from some mechanism to protect their online reputations, such as the feedback system at eBay, from being unfairly discredited. Square Trade launched its dispute resolution service in 2000, receiving its first dispute within 15 minutes of creating an active link from eBay. The mediation service quickly become the largest utilized dispute resolution worldwide, either offline or online.
Square Trade chose to provide mediation, which is a service that assists parties in reaching a negotiated settlement agreement. Mediation is completely voluntary; nobody is forced to participate. Mediation keeps the control with the parties, unlike other models of dispute resolution such as arbitration or a judge & jury. This type of resolution service works effectively because it keeps the parties in complete control of the process and avoids all of the legal jurisdictional quandaries with which the internet challenges legal scholars. Consumer groups were satisfied that buyers would maintain their rights and business advocates were pleased that sellers could be given a mechanism for protecting their reputations.
During Square Trade's history its online dispute resolution service has been expanded to resolve a wide range of disputes beyond the world of ecommerce and eBay. For example, in significant numbers it handled service disputes for eLance, an online services marketplace, and offline real estate conflicts between buyers and sellers for the California Association of Realtors.
Square Trade's network of online mediators draws from an international group of trained and highly experienced online mediators. To join Square Trade's service, mediators are required to have had extensive offline mediation experience and to successfully complete Square Trade's rigorous online training program. The flexibility and cutting edge nature of the work has encouraged most Square Trade mediators to remain committed to the work. All of the current network of Square Trade mediators have been working for Square Trade and handling eBay disputes for well over four years. This group brings sophisticated experience to both their mediation practice as well as understanding the nuances and complications of online mediation.
Does it Work?
Online dispute resolution has been shown to efficaciously resolve problems. Square Trade's experience has shown that several factors enhance the likelihood that an online system will lead to successful resolution of the dispute.
First, parties will be much more likely to settle if they have enhanced reasons to participate, such as geographical distance rendering in person meetings costly or difficult, jurisdictional boundaries making legal systems more challenging to navigate, or structural incentives to participate such as consequences for failing to participate such as a contractual mediation clause or eBay's feedback system.
Second, complex or emotionally charged situations will be more effectively resolved with the assistance of a skilled mediator who knows how to handle emotions in written communications, is aware of distinct cultural norms, and can leverage the mediation process and online technology to create meaningful opportunities for parties to express themselves and transition to resolution.
Third, a tailored online technology such as Square Trade's can facilitate resolution. A clear and well designed intake form enables the parties to appropriately express themselves entering the mediation. A secure arena for participation also fosters crucial trust in the process and system.
Fourth, the disposition of the parties is crucial to a speedy resolution. Researchers from the Kellogg School of Management at Northwestern University published a study of Square Trade's dispute resolution service in the Academy of Management Journal that showed that parties were more likely to resolve a case when they focus on resolution and avoid expressions of anger. See Emotions and Rationality in Mediation: Evidence from Electronically-Mediated Disputes, Friedman, et. al. Jan. 2003, referenced here.
Square Trade's ODR Service Today
Now in its eighth year of service, Square Trade has refined its mediation services to best meet the needs of eBay buyers and sellers. eBay users who have a dispute that includes a feedback issue may, for a small fee, file a case with Square Trade. The filer enters the relevant eBay item number and a brief description of the problem. Thereafter Square Trade's system will obtain relevant details from eBay directly, and contact the other party to notify them of the dispute. Square Trade's system and mediators handle the case according to rules and guidelines established by eBay for reviewing feedback disputes. Most cases are resolved within two weeks.
Tuesday, October 2, 2012
How To Stay On Top Of Your Credit Cards
Credit card debt is a big problem. Credit cards themselves aren't so bad, but when you only pay the minimum balance and charge more than you can afford, the total balance will build up fast. Eventually, the interest alone will be so much that you can't even afford to pay the minimum payments.
Whether you can't make the payments or you are just getting by, eliminating the debt as soon as possible is the most important thing you can do. Eliminating your credit card debt without damaging your credit is difficult, but it can be done. Maintaining a good credit rating is very important. Your credit may affect whether or not you can get a mortgage, auto loan, personal loan, credit cards, jobs, etc. It also will affect the interest rate of any loan you are able to get. If you have a lot of debt, your credit may or may not be damaged.
If you always pay at least the minimum payment on time and your debt to credit ratio is low, you probably have good credit. However, continuing down the road you are on is not a good sign. Getting rid of the debt now will help ensure that your credit doesn't get worse. If you already have bad credit because of your poor credit charging choices, paying off your debt with the following method will not only keep your credit from getting worse, it will improve your credit.
You have to do it the hard way if you want to keep your credit intact and improve it. This is the best way to improve your credit, get rid of debt, and pay less interest overall. You'll also learn excellent financial habits that will benefit you in future. The hard way to get rid of debt is to pay it all back. Your debt will continue to earn interest over time, which will make it a little tough and more frustrating, but it's not impossible and it's worth it in the end.
First and foremost, get rid of all your credit cards. Don't close any of the accounts, just stop using the cards. If you have excessive debt, you don't know how to use credit cards wisely. You are not allowed to use them from now on. Adding more debt to your cards will work against you. Get rid of them and use cash.
Add up all your credit card debt to determine the total amount of debt you need to pay off. Set up a plan for repayment. The best plan of action is to pay the minimum balance on each credit card first. Then, take all the extra money you have each month and put it toward the card with the highest interest rate. Once that card is paid off, put all the extra money toward the card with the next highest rate and so on.
If you find a credit card with a zero balance transfer for the first 12 months, that might help if you can pay off your debt within a year. It could work because you're interest won't be working against you. However, if you have bad credit, you might not be approved, and in either case, a new credit card might hurt you if you're tempted to use it. Think about it carefully first. If you don't trust yourself, stay away. Continue paying down the minimum balance and as much extra as possible until 100% of your credit card debt is paid off.
What if you can barely meet your minimum payments? How can you pay extra and get ahead? Chances are if you're in credit card debt, you're spending money frivolously. Even if it's just an extra a month, that's that can be going toward your debt.
Learn how to budget and make sacrifices. Budgeting will force you to see exactly where your money is going each month. Until your debt is paid off, you need to make sacrifices. If you have an excessive amount of debt and/or can't meet your minimum payments, those sacrifices will need to be extreme such as cutting out completely all entertainment like cable, Netflix, eating out, going to the movies, going to shows, and all other nonessential entertainment that isn't free. Clothes, coffee, fast food, data packages and texting phone plans, and vacations must all be postponed until the debt is paid off.
There are probably lots of expenses you have every month that don't fit into these categories. You might need to sell your car and get something cheaper, downgrade your house or apartment, etc. Get rid of everything that isn't essential for living or your job. Learn how to live frugally at the grocery store, how to save gas, and how to take advantage of free entertainment.
Also, find ways to increase your income. If you cut out all your entertainment expenses, you probably have a lot more time on your hands. Get a part time job or start a business. If you can't downgrade your home, rent out a room or two. Be creative and find ways to supplement your income.
If you're debt isn't so out of control, you might not need to sacrifice as much, but if you do, you'll pay off your debt much faster. Make the changes you need and when the debt is gone, you'll find a huge amount of income leftover each month you can divide up among some of the costs you cut and savings for future goals such as buying a house or retiring.
Whether you can't make the payments or you are just getting by, eliminating the debt as soon as possible is the most important thing you can do. Eliminating your credit card debt without damaging your credit is difficult, but it can be done. Maintaining a good credit rating is very important. Your credit may affect whether or not you can get a mortgage, auto loan, personal loan, credit cards, jobs, etc. It also will affect the interest rate of any loan you are able to get. If you have a lot of debt, your credit may or may not be damaged.
If you always pay at least the minimum payment on time and your debt to credit ratio is low, you probably have good credit. However, continuing down the road you are on is not a good sign. Getting rid of the debt now will help ensure that your credit doesn't get worse. If you already have bad credit because of your poor credit charging choices, paying off your debt with the following method will not only keep your credit from getting worse, it will improve your credit.
You have to do it the hard way if you want to keep your credit intact and improve it. This is the best way to improve your credit, get rid of debt, and pay less interest overall. You'll also learn excellent financial habits that will benefit you in future. The hard way to get rid of debt is to pay it all back. Your debt will continue to earn interest over time, which will make it a little tough and more frustrating, but it's not impossible and it's worth it in the end.
First and foremost, get rid of all your credit cards. Don't close any of the accounts, just stop using the cards. If you have excessive debt, you don't know how to use credit cards wisely. You are not allowed to use them from now on. Adding more debt to your cards will work against you. Get rid of them and use cash.
Add up all your credit card debt to determine the total amount of debt you need to pay off. Set up a plan for repayment. The best plan of action is to pay the minimum balance on each credit card first. Then, take all the extra money you have each month and put it toward the card with the highest interest rate. Once that card is paid off, put all the extra money toward the card with the next highest rate and so on.
If you find a credit card with a zero balance transfer for the first 12 months, that might help if you can pay off your debt within a year. It could work because you're interest won't be working against you. However, if you have bad credit, you might not be approved, and in either case, a new credit card might hurt you if you're tempted to use it. Think about it carefully first. If you don't trust yourself, stay away. Continue paying down the minimum balance and as much extra as possible until 100% of your credit card debt is paid off.
What if you can barely meet your minimum payments? How can you pay extra and get ahead? Chances are if you're in credit card debt, you're spending money frivolously. Even if it's just an extra a month, that's that can be going toward your debt.
Learn how to budget and make sacrifices. Budgeting will force you to see exactly where your money is going each month. Until your debt is paid off, you need to make sacrifices. If you have an excessive amount of debt and/or can't meet your minimum payments, those sacrifices will need to be extreme such as cutting out completely all entertainment like cable, Netflix, eating out, going to the movies, going to shows, and all other nonessential entertainment that isn't free. Clothes, coffee, fast food, data packages and texting phone plans, and vacations must all be postponed until the debt is paid off.
There are probably lots of expenses you have every month that don't fit into these categories. You might need to sell your car and get something cheaper, downgrade your house or apartment, etc. Get rid of everything that isn't essential for living or your job. Learn how to live frugally at the grocery store, how to save gas, and how to take advantage of free entertainment.
Also, find ways to increase your income. If you cut out all your entertainment expenses, you probably have a lot more time on your hands. Get a part time job or start a business. If you can't downgrade your home, rent out a room or two. Be creative and find ways to supplement your income.
If you're debt isn't so out of control, you might not need to sacrifice as much, but if you do, you'll pay off your debt much faster. Make the changes you need and when the debt is gone, you'll find a huge amount of income leftover each month you can divide up among some of the costs you cut and savings for future goals such as buying a house or retiring.
Saturday, September 29, 2012
Guidelines For Establishing A Good Credit Report After Marriage
Establishing credit is essential after marriage if you want to build a healthy financial life as well as your marital life together. You need credit to obtain credit cards, joint bank accounts, mortgage loans, car loans, etc. Thus, it is a good idea to give the first steps from the beginning so as to start building your credit right away and make good use of it whenever you need it.
Following are some tips on how to start establishing a good credit history. There is no particular order that you need to follow. However, we strongly suggest that you try to find out about your current credit situation. First of all, obtain a free copy of your credit report to see if you already have some credit history and you didn't know it.
Getting A Free Credit Report
As stated above, you need to obtain a free copy of your credit report. Why free? Because there is no reason for you to pay for information that third parties have about yourself. Regulations have recognized this and force credit bureaus to provide you with a copy of your credit report free of charge at least once a year. On some states the timeframe is even shorter and you can obtain a free copy twice a year or even more often.
In order to do so, you can contact each credit bureau directly or resort to one of the many online sites offering access to your credit report for free. These sites also offer many different services (credit related) that you may find useful. These services include: monitoring services, credit repair services, financial and legal advice, etc.
Secured Financing
Sometimes it is hard to get financing when you have no credit at all. However, it is possible to do so by offering some asset as collateral. A good idea is to use your car as collateral if you own it. There are many lenders out there that will be willing to accept a car as collateral to secure a loan. That will guarantee you both approval and advantageous terms on your loan.
An alternative for establishing credit is to apply for a secure credit card. A secure credit card will provide you with the same benefits as an unsecured credit card with the sole difference that you'll have to make a cash deposit that will act as your credit limit. Up to that amount you'll be able to use your credit card without problems. The regular payments of your credit card balance will be recorded into your credit report and consequently build a clean and positive credit history for you.
Mortgage Financing: Down Payments and Co-signing
The key to get a good credit report from scratch is to obtain a mortgage loan and keep your payments timely. To obtain a mortgage loan without credit, you can offer a high down payment that will show the lender your ability to save and thus, your ability to repay your debt. Alternatively (or jointly) you can get the aid of a co-signer with a good credit score. The co-signer will also be obliged to repay the loan in case you fail to meet the monthly payments. Thus, the lender won't have problems when it comes to approving your loan. And the monthly payments of your home loan will greatly contribute to establishing a clean and financially healthy credit report.
Following are some tips on how to start establishing a good credit history. There is no particular order that you need to follow. However, we strongly suggest that you try to find out about your current credit situation. First of all, obtain a free copy of your credit report to see if you already have some credit history and you didn't know it.
Getting A Free Credit Report
As stated above, you need to obtain a free copy of your credit report. Why free? Because there is no reason for you to pay for information that third parties have about yourself. Regulations have recognized this and force credit bureaus to provide you with a copy of your credit report free of charge at least once a year. On some states the timeframe is even shorter and you can obtain a free copy twice a year or even more often.
In order to do so, you can contact each credit bureau directly or resort to one of the many online sites offering access to your credit report for free. These sites also offer many different services (credit related) that you may find useful. These services include: monitoring services, credit repair services, financial and legal advice, etc.
Secured Financing
Sometimes it is hard to get financing when you have no credit at all. However, it is possible to do so by offering some asset as collateral. A good idea is to use your car as collateral if you own it. There are many lenders out there that will be willing to accept a car as collateral to secure a loan. That will guarantee you both approval and advantageous terms on your loan.
An alternative for establishing credit is to apply for a secure credit card. A secure credit card will provide you with the same benefits as an unsecured credit card with the sole difference that you'll have to make a cash deposit that will act as your credit limit. Up to that amount you'll be able to use your credit card without problems. The regular payments of your credit card balance will be recorded into your credit report and consequently build a clean and positive credit history for you.
Mortgage Financing: Down Payments and Co-signing
The key to get a good credit report from scratch is to obtain a mortgage loan and keep your payments timely. To obtain a mortgage loan without credit, you can offer a high down payment that will show the lender your ability to save and thus, your ability to repay your debt. Alternatively (or jointly) you can get the aid of a co-signer with a good credit score. The co-signer will also be obliged to repay the loan in case you fail to meet the monthly payments. Thus, the lender won't have problems when it comes to approving your loan. And the monthly payments of your home loan will greatly contribute to establishing a clean and financially healthy credit report.
Thursday, September 27, 2012
Different Types Of Futures Traders -- Hedgers
In Trading Futures, there are actually 4 types of futures traders active in the Futures Market. Each of these brings liquidity to the Market place needed for smaller investors to make a profit. You will see these 4 types of traders active at the largest US futures exchanges, the Chicago Mercantile Exchange (CME) and the New York Mercantile Exchange (NYMEX). If you are a futures trader, chances are, you will be one of the following...Hedgers, Speculators, Arbitrageurs and Spreaders. In this article we'll start with the first, hedgers.
What is a Hedger? Hedgers primarily deal with the commodities side of Futures Trading. You can be either a buyer or seller of Futures contracts and still be a Hedger. The whole idea behind hedging is to mitigate risk. There are those who buy Futures, for example, manufacturers who buy commodities or airlines who buy gas.
Lets look at a prime example of hedging Futures.
Take a bread manufacturer. When a bread manufacturer knows that he will be making a purchase in the future for wheat, he takes a long position (buys) futures contracts to hedge his position. Say the bread manufacturer wants to sell 1,000 loaves of bread weekly. He knows how much wheat he needs over the next year. He knows the current market price of wheat and wants to mitigate his risk, or hedge, so he works out a futures contract with a wheat grower to buy so many bushels of wheat at the current market price to be delivered over the next year. That way, should the price of wheat go up at any time, he has covered his bases by locking in his price ahead of time. What would happen if there were a tornado, or a flood and wheat became scarce, the price would skyrocket. So this way he controls the price of wheat and knows exactly what price to sell his loaves of bread for in order to make a profit.
Lets look at the other side for a moment. We know why someone would buy futures contracts to mitigate risk. Why would someone take the other side and sell the contracts?
If a farmer knows that he will be selling his wheat at harvest time, he would take a short position (sell) futures contracts to mitigate his risk. He knows what the current market price is. If he arranges a contract at the current price for a future delivery (namely after harvest), he is guaranteed the current price. Say that come harvest time, the price drops because there is an abundance of wheat. By arranging the price ahead of time, he has already locked in his sale. He knows how many bushels he will reap, what his profit is, etc.
There are a multitude of contracts that can be hedged. Certainly the commodities, wheat, rice, corn, soy, etc. There is also silver and gold. A dental lab, for instance, buys a futures contract in silver and gold, knowing they use the product for fillings. Airlines buy gasoline / diesel futures contracts years in advance for future delivery when the price of crude is low. Name any commodity and you will find hedgers ready to buy and sell well in advance of their delivery date.
Understand, there is risk attached for both buyers and sellers in any futures deal. Buyers risk that although they negotiate at the current price, by the time delivery occurs, the price could be much lower and they could have bought the commodities for cheaper. Sellers risk that although they negotiate at the current price, by the time delivery comes, the price could be much higher and they could have sold the commodities for greater profit. Futures trading is all about woulda coulda shoulda, the fish that got away. You may never get the highest price nor the lowest price. So long as you make a profit, that's all that really matters.
What is a Hedger? Hedgers primarily deal with the commodities side of Futures Trading. You can be either a buyer or seller of Futures contracts and still be a Hedger. The whole idea behind hedging is to mitigate risk. There are those who buy Futures, for example, manufacturers who buy commodities or airlines who buy gas.
Lets look at a prime example of hedging Futures.
Take a bread manufacturer. When a bread manufacturer knows that he will be making a purchase in the future for wheat, he takes a long position (buys) futures contracts to hedge his position. Say the bread manufacturer wants to sell 1,000 loaves of bread weekly. He knows how much wheat he needs over the next year. He knows the current market price of wheat and wants to mitigate his risk, or hedge, so he works out a futures contract with a wheat grower to buy so many bushels of wheat at the current market price to be delivered over the next year. That way, should the price of wheat go up at any time, he has covered his bases by locking in his price ahead of time. What would happen if there were a tornado, or a flood and wheat became scarce, the price would skyrocket. So this way he controls the price of wheat and knows exactly what price to sell his loaves of bread for in order to make a profit.
Lets look at the other side for a moment. We know why someone would buy futures contracts to mitigate risk. Why would someone take the other side and sell the contracts?
If a farmer knows that he will be selling his wheat at harvest time, he would take a short position (sell) futures contracts to mitigate his risk. He knows what the current market price is. If he arranges a contract at the current price for a future delivery (namely after harvest), he is guaranteed the current price. Say that come harvest time, the price drops because there is an abundance of wheat. By arranging the price ahead of time, he has already locked in his sale. He knows how many bushels he will reap, what his profit is, etc.
There are a multitude of contracts that can be hedged. Certainly the commodities, wheat, rice, corn, soy, etc. There is also silver and gold. A dental lab, for instance, buys a futures contract in silver and gold, knowing they use the product for fillings. Airlines buy gasoline / diesel futures contracts years in advance for future delivery when the price of crude is low. Name any commodity and you will find hedgers ready to buy and sell well in advance of their delivery date.
Understand, there is risk attached for both buyers and sellers in any futures deal. Buyers risk that although they negotiate at the current price, by the time delivery occurs, the price could be much lower and they could have bought the commodities for cheaper. Sellers risk that although they negotiate at the current price, by the time delivery comes, the price could be much higher and they could have sold the commodities for greater profit. Futures trading is all about woulda coulda shoulda, the fish that got away. You may never get the highest price nor the lowest price. So long as you make a profit, that's all that really matters.
Saturday, September 22, 2012
Essential Information For Equipment Leasing And Finance
Are you planning for to get equipment finance for your business?This article presents essential information for businesses that plan to apply for equipment lease financing. Read carefully, follow the details given below and avoid unnecessary complications.
Equipment Leasing is opposed to straight financing. It is an alternative financing method to acquire needed business equipment. In real essence, you only pay for the depreciation of the equipment over a given time frame. At the end of the lease you either purchase the depreciated asset or trade it for a new lease and new equipment. It allows a company to hold on to valuable cash capital and use the profits the equipment generates to pay for itself over time with added tax advantages.
What is a typical business mind-set? It will always say that equipment leasing is for companies that are short of capital. However, research would indicate that even the largest of companies use leasing finance to guarantee fixed costs and access essential equipment. Along with this you also get either corporate or personal guarantees. A corporate guarantee means that if the lease goes into default, the leasing company can take possession of the equipment and liquidate it to settle the lease balance. A personal guarantee is identical to a corporate guarantee except a person's property may be used to satisfy the lease balance.
With regard to leasing payments and purchase, the monthly payments are lower. At the end of the lease term, a single payment is due that equals several months of combined payments. On the other hand, a lease purchase is financing the equipment by any other name. It allows the business to deduct the lease payments from taxes as a business expense. Also equipment depreciation can be used as a tax deduction.
In many cases it may possible to lease any type of equipment without the need for a deposit or extra security. Few of the benefits that you will be enjoying with equipment finance is that no funding is required, payment terms will be flexible and transaction speed is great,most popular being is cost.
Equipment Leasing is opposed to straight financing. It is an alternative financing method to acquire needed business equipment. In real essence, you only pay for the depreciation of the equipment over a given time frame. At the end of the lease you either purchase the depreciated asset or trade it for a new lease and new equipment. It allows a company to hold on to valuable cash capital and use the profits the equipment generates to pay for itself over time with added tax advantages.
What is a typical business mind-set? It will always say that equipment leasing is for companies that are short of capital. However, research would indicate that even the largest of companies use leasing finance to guarantee fixed costs and access essential equipment. Along with this you also get either corporate or personal guarantees. A corporate guarantee means that if the lease goes into default, the leasing company can take possession of the equipment and liquidate it to settle the lease balance. A personal guarantee is identical to a corporate guarantee except a person's property may be used to satisfy the lease balance.
With regard to leasing payments and purchase, the monthly payments are lower. At the end of the lease term, a single payment is due that equals several months of combined payments. On the other hand, a lease purchase is financing the equipment by any other name. It allows the business to deduct the lease payments from taxes as a business expense. Also equipment depreciation can be used as a tax deduction.
In many cases it may possible to lease any type of equipment without the need for a deposit or extra security. Few of the benefits that you will be enjoying with equipment finance is that no funding is required, payment terms will be flexible and transaction speed is great,most popular being is cost.
Thursday, September 20, 2012
Service Tax On Equipment Leasing And Hire-purchase
Surender Kumar Jain
This article makes a comprehensive analysis of the decision of the High Court in Kerala Non-banking Finance Companies Welfare Association v. Union of India [2009] 20 STT 1, wherein a recent issue as to : whether charging of service tax on banking and other financial services which include equipment leasing and hire-purchase, is unconstitutional, has been considered.
1-Vide section 137 of the Finance Act, 2001 service tax is introduced on Banking and other financial services' which include equipment leasing and hire-purchase'. The impugned provisions providing for service tax on Equipment leasing and hire-purchase transactions' are introduced by amending the Finance Act, 1994. The relevant definition of Banking and other financial services' is contained in clause (12) of section 65 of the Finance Act, 1994. Along with the introduction of the definition of Banking and other financial services', the charging section, namely, section 66 of the Finance Act, 1994 is also amended to cover tax on value of taxable services referred to in sub-clause (zm) of section 65(105). The question as to whether charging of service tax on Banking and other financial services', which include equipment leasing and hire-purchase, is unconstitutional, arose for consideration of the Kerala High Court in the case of Kerala Non-Banking Finance Companies Welfare Association v. Union of India [2009] 20 STT 1.
2 - The petitioner No. 1, an association of non-banking financial companies, which was covered under the definition of Banking and other financial services', and its two members, viz., petitioner Nos. 2 and 3 had filed a writ petition challenging the constitutional validity of the impugned provisions of section 137.
3 - These are discussed as under :
(a)- The Parliament has no authority to legislate on hire-purchase and leasing transactions which are subjects left for levy of sales tax by the States under entry 54 of List II of the Seventh Schedule to the Constitution of India.
(b)- After the 46th Amendment to the Constitution introducing clauses (29A)(c) and (d) to article 366, States are authorised to provide for sales tax among other things on hire-purchase and leasing transactions.
(c)- As a follow-up measure, all the States including the State of Kerala introduced provisions in the respective Sales Tax Acts authorising levy of sales tax on hire-purchase and leasing transactions.
(d)- Impugned provisions for levy of service tax on hire-purchase and leasing transactions are discriminatory and violative of articles 14 and 19(1)(g) of the Constitution.
4 - These are as follows :
(a)- Even though service tax is payable on the value of taxable service pertaining to leasing and hire-purchase transactions, the Government of India had vide Notification No. 4/2006-ST, dated March 1, 2006 granted exemption on 90 per cent representing interest income earned by the service provider.
(b)- The Supreme Court had upheld the legislative competence of the Parliament to levy service tax under the residuary entry 97 to List I of the Seventh Schedule in the decisions in Tamil Nadu Kalyana Mandapam Association v. Union of India [2006] 4 STT 308, C.K. Jidheesh v. Union of India [2005] 2 STT 242 and Gujarat Ambuja Cements Ltd. v. Union of India [2005] 1 STT 41 and thereafter, through constitutional amendments entry 92C to List I of the Seventh Schedule and article 268A are introduced expressly giving authority to the Parliament to legislate on service tax.
(c)- The validity of legislation and the grievances of the petitioners should be considered with reference to the aforesaid Notification No. 4/2006-ST, dated March 1, 2006, by which rigour of the levy was neutralized by granting exemption on 90 per cent of the charges received in the hire-purchase and leasing transactions, thereby completely excluding interest on loans from service tax.
5 - It is well-settled that the Constitution by virtue of the provisions contained in article 366(29A) authorises, levy of sales tax on hire-purchase transactions and on leasing of goods and based on the same there is State legislation authorising it.
6 - The legislation applies to all engaged in banking and other financial services and is not confined to members of the first petitioner. In fact, banking companies in the public Sector are also liable to pay service tax on financial leasing service including equipment leasing and hire-purchase . Since the petitioners had not established the parties engaged in the same business who were left out and how they were discriminated, the contention was to be rejected. Similarly provisions of service tax do not take away or create any unreasonable restriction on the fundamental rights of the members of the first petitioner including petitioner Nos. 2 and 3 to carry on business. Therefore, the allegation of violation of article 19(1)(g) also, did not merit consideration.
7 -There is no conflict between the levy of sales tax on the sale or deemed sale of vehicle under the hire-purchase agreement and the service tax payable on services rendered by the financier under the hire-purchase agreement. The provisions contained in article 366(29A) of the Constitution authorising levy of sales tax on the supply of goods under the hire-purchase agreement does not stand in the way of the Parliament levying service tax on taxable service charges received in respect of hire-purchase transactions by the financiers.
It is obvious that levy of sales tax is possible on sale of goods involved in the transactions while service tax can be levied on the service charges received in the transactions. Further, the provisions pertaining to levy of service tax on hire-purchase or lease transactions are not in any way different from the service tax authorised for the large number of transactions under the Finance Act, 1994, the constitutional validity of which is upheld by the Supreme Court. Since incidence of service tax is not on sale of goods or deemed sale of goods pertaining to leasing and hire-purchase transactions covered by clauses (c) and (d) of article 366(29A), the Parliament has authority to authorise levy of service tax on banking and other financial services including equipment leasing and hire-purchase.
This article makes a comprehensive analysis of the decision of the High Court in Kerala Non-banking Finance Companies Welfare Association v. Union of India [2009] 20 STT 1, wherein a recent issue as to : whether charging of service tax on banking and other financial services which include equipment leasing and hire-purchase, is unconstitutional, has been considered.
1-Vide section 137 of the Finance Act, 2001 service tax is introduced on Banking and other financial services' which include equipment leasing and hire-purchase'. The impugned provisions providing for service tax on Equipment leasing and hire-purchase transactions' are introduced by amending the Finance Act, 1994. The relevant definition of Banking and other financial services' is contained in clause (12) of section 65 of the Finance Act, 1994. Along with the introduction of the definition of Banking and other financial services', the charging section, namely, section 66 of the Finance Act, 1994 is also amended to cover tax on value of taxable services referred to in sub-clause (zm) of section 65(105). The question as to whether charging of service tax on Banking and other financial services', which include equipment leasing and hire-purchase, is unconstitutional, arose for consideration of the Kerala High Court in the case of Kerala Non-Banking Finance Companies Welfare Association v. Union of India [2009] 20 STT 1.
2 - The petitioner No. 1, an association of non-banking financial companies, which was covered under the definition of Banking and other financial services', and its two members, viz., petitioner Nos. 2 and 3 had filed a writ petition challenging the constitutional validity of the impugned provisions of section 137.
3 - These are discussed as under :
(a)- The Parliament has no authority to legislate on hire-purchase and leasing transactions which are subjects left for levy of sales tax by the States under entry 54 of List II of the Seventh Schedule to the Constitution of India.
(b)- After the 46th Amendment to the Constitution introducing clauses (29A)(c) and (d) to article 366, States are authorised to provide for sales tax among other things on hire-purchase and leasing transactions.
(c)- As a follow-up measure, all the States including the State of Kerala introduced provisions in the respective Sales Tax Acts authorising levy of sales tax on hire-purchase and leasing transactions.
(d)- Impugned provisions for levy of service tax on hire-purchase and leasing transactions are discriminatory and violative of articles 14 and 19(1)(g) of the Constitution.
4 - These are as follows :
(a)- Even though service tax is payable on the value of taxable service pertaining to leasing and hire-purchase transactions, the Government of India had vide Notification No. 4/2006-ST, dated March 1, 2006 granted exemption on 90 per cent representing interest income earned by the service provider.
(b)- The Supreme Court had upheld the legislative competence of the Parliament to levy service tax under the residuary entry 97 to List I of the Seventh Schedule in the decisions in Tamil Nadu Kalyana Mandapam Association v. Union of India [2006] 4 STT 308, C.K. Jidheesh v. Union of India [2005] 2 STT 242 and Gujarat Ambuja Cements Ltd. v. Union of India [2005] 1 STT 41 and thereafter, through constitutional amendments entry 92C to List I of the Seventh Schedule and article 268A are introduced expressly giving authority to the Parliament to legislate on service tax.
(c)- The validity of legislation and the grievances of the petitioners should be considered with reference to the aforesaid Notification No. 4/2006-ST, dated March 1, 2006, by which rigour of the levy was neutralized by granting exemption on 90 per cent of the charges received in the hire-purchase and leasing transactions, thereby completely excluding interest on loans from service tax.
5 - It is well-settled that the Constitution by virtue of the provisions contained in article 366(29A) authorises, levy of sales tax on hire-purchase transactions and on leasing of goods and based on the same there is State legislation authorising it.
6 - The legislation applies to all engaged in banking and other financial services and is not confined to members of the first petitioner. In fact, banking companies in the public Sector are also liable to pay service tax on financial leasing service including equipment leasing and hire-purchase . Since the petitioners had not established the parties engaged in the same business who were left out and how they were discriminated, the contention was to be rejected. Similarly provisions of service tax do not take away or create any unreasonable restriction on the fundamental rights of the members of the first petitioner including petitioner Nos. 2 and 3 to carry on business. Therefore, the allegation of violation of article 19(1)(g) also, did not merit consideration.
7 -There is no conflict between the levy of sales tax on the sale or deemed sale of vehicle under the hire-purchase agreement and the service tax payable on services rendered by the financier under the hire-purchase agreement. The provisions contained in article 366(29A) of the Constitution authorising levy of sales tax on the supply of goods under the hire-purchase agreement does not stand in the way of the Parliament levying service tax on taxable service charges received in respect of hire-purchase transactions by the financiers.
It is obvious that levy of sales tax is possible on sale of goods involved in the transactions while service tax can be levied on the service charges received in the transactions. Further, the provisions pertaining to levy of service tax on hire-purchase or lease transactions are not in any way different from the service tax authorised for the large number of transactions under the Finance Act, 1994, the constitutional validity of which is upheld by the Supreme Court. Since incidence of service tax is not on sale of goods or deemed sale of goods pertaining to leasing and hire-purchase transactions covered by clauses (c) and (d) of article 366(29A), the Parliament has authority to authorise levy of service tax on banking and other financial services including equipment leasing and hire-purchase.
Friday, September 14, 2012
The Primary Goal of Washington State Chapter 13 Bankruptcy
The primary goal of a Chapter 13 bankruptcy is to consolidate your debts and set up a manageable monthly payment. The plan is developed by undertaking an in-depth analysis of your current income, your current monthly expenditures, and your current debts. Chapter 13 bankruptcies are also often referred to as a "debt consolidation", or the "wage earners plan".
A Washington Chapter 13 bankruptcy plan is specifically designed to allow you to stop foreclosures and repossessions while allowing you to make up the back payments in a 36 to 60 month plan. In a Chapter 13, we can also consolidate other bills, such as your car payment, whereby you only pay the value of the car, and not the loan balance. Other debt that can be consolidated includes tax debts, student loans, and child support or alimony arrears.
A Plan for People Who Earn A Good Income but Simply Cannot Keep up with their Mortgage Payments?
In today's economy, many people find themselves in an extremely precarious financial state. Many people earn a good living. But they are barely living month to month while falling increasingly behind on their monthly bills. If, despite your good job or higher than average income, you are still drowning in debt and see no way out, then a Washington Chapter 13 may be your best option to make a financial recovery. A Washington State Chapter 13 bankruptcy may also allow you to keep your house and car in spite of being unable to meet your current monthly mortgage or car loan payments.
The process of filing a Chapter 13 bankruptcy is considerably more complex than a Chapter 7 here in Washington State. In addition to the voluntary petition and related documents, filing a Chapter 13 also requires submission of a specific repayment plan that presents a feasible and plausible payment schedule. This repayment plan must specifically detail how you intend to make your monthly payments to the Trustee. In addition to the 341 meeting of creditors, you will also be required to attend another mandatory hearing, which is called a "confirmation hearing".
At your confirmation hearing, your case goes before a bankruptcy Judge for final review and approval. Typically, it is not necessary for you to attend the confirmation hearing. We are able to simply appear on your behalf. Prior to the confirmation hearing, it is not uncommon for creditors to file objections to your plan if they have issues or concerns with your proposed repayment plan. In a number of cases, this requires that we respond to their specific objections on your behalf.
In nearly all cases, however, we are able to get your plan confirmed by the Judge at the initial confirmation hearing if you are current with your Chapter 13 payments to the Trustee, any amendments requested by the Trustee have been filed, and any objections filed by your creditors have been properly addressed and resolved.
Once your plan has been confirmed, all you have to do is make all your monthly payments under the proposed Chapter 13 repayment plan, and you will receive your discharge. There are frequently a number of motions filed by creditors, the Trustee, and by us as attorney, during a Chapter 13 case. Chapter 13 bankruptcies are quite complex and it is highly recommended that you not attempt to proceed without an experienced Washington State bankruptcy attorney.
Reduce or Eliminate Interest on Consumer Debt
Unfortunately, certain kinds of debt simply cannot be eliminated through a Washington State Chapter 13 bankruptcy. These include child support, student loans and most income taxes. Once you consumer debt is under control, however, and your outstanding interest is lowered or eliminated, many people find that a Chapter 13 repayment plan is reasonable and feasible.
A Washington Chapter 13 bankruptcy plan is specifically designed to allow you to stop foreclosures and repossessions while allowing you to make up the back payments in a 36 to 60 month plan. In a Chapter 13, we can also consolidate other bills, such as your car payment, whereby you only pay the value of the car, and not the loan balance. Other debt that can be consolidated includes tax debts, student loans, and child support or alimony arrears.
A Plan for People Who Earn A Good Income but Simply Cannot Keep up with their Mortgage Payments?
In today's economy, many people find themselves in an extremely precarious financial state. Many people earn a good living. But they are barely living month to month while falling increasingly behind on their monthly bills. If, despite your good job or higher than average income, you are still drowning in debt and see no way out, then a Washington Chapter 13 may be your best option to make a financial recovery. A Washington State Chapter 13 bankruptcy may also allow you to keep your house and car in spite of being unable to meet your current monthly mortgage or car loan payments.
The process of filing a Chapter 13 bankruptcy is considerably more complex than a Chapter 7 here in Washington State. In addition to the voluntary petition and related documents, filing a Chapter 13 also requires submission of a specific repayment plan that presents a feasible and plausible payment schedule. This repayment plan must specifically detail how you intend to make your monthly payments to the Trustee. In addition to the 341 meeting of creditors, you will also be required to attend another mandatory hearing, which is called a "confirmation hearing".
At your confirmation hearing, your case goes before a bankruptcy Judge for final review and approval. Typically, it is not necessary for you to attend the confirmation hearing. We are able to simply appear on your behalf. Prior to the confirmation hearing, it is not uncommon for creditors to file objections to your plan if they have issues or concerns with your proposed repayment plan. In a number of cases, this requires that we respond to their specific objections on your behalf.
In nearly all cases, however, we are able to get your plan confirmed by the Judge at the initial confirmation hearing if you are current with your Chapter 13 payments to the Trustee, any amendments requested by the Trustee have been filed, and any objections filed by your creditors have been properly addressed and resolved.
Once your plan has been confirmed, all you have to do is make all your monthly payments under the proposed Chapter 13 repayment plan, and you will receive your discharge. There are frequently a number of motions filed by creditors, the Trustee, and by us as attorney, during a Chapter 13 case. Chapter 13 bankruptcies are quite complex and it is highly recommended that you not attempt to proceed without an experienced Washington State bankruptcy attorney.
Reduce or Eliminate Interest on Consumer Debt
Unfortunately, certain kinds of debt simply cannot be eliminated through a Washington State Chapter 13 bankruptcy. These include child support, student loans and most income taxes. Once you consumer debt is under control, however, and your outstanding interest is lowered or eliminated, many people find that a Chapter 13 repayment plan is reasonable and feasible.
Wednesday, September 12, 2012
Quick Payout Loans- Advance Your Payday Whenever You Need It
During any short term financial disparities it becomes extremely important to have enough cash in hand. There are different expenditures in life that cannot be delayed. Thus, to get relief from cash shortage problem you can at any time apply for quick payout loans. These loans will enable you to get enough cash assistance within hours of applying. Any unexpected expense can be easily dealt with on time with the help of these loans. Also, the application as well as approval process of these loans is quite effortless and easy. This makes these loans hugely popular among the applicants.
Since quick payout loans fall under the category of short term unsecured loans, there is no need of pledging any collateral when you apply for these loans. These loans has been mainly tailored to help you handle any short term emergency in a trouble free way. To ensure that you find these loans fast lenders has eliminated the hassle of documentation and credit checking procedure. Such feature of these loans will help you get the cash you need quickly within hours of applying.
However, to qualify for instant payout loans you will need to meet some simple preconditions. For that you may be an adult with minimum age of 18 years and be a citizen of UK. Besides, you must be doing a regular job and earn at least 1000 per month. Furthermore, you must have an active bank account that should accept direct deposit. This is necessary as lenders will wire the approved cash directly into your account upon approval.
Any UK borrower who can meet these simple pre-conditions can get an amount ranging from 100 to 1,500. Short duration of 14 to 31 days will be provided to you to repay the borrowed money. Being unsecured in nature may make you pay a bit higher interest rates. However, proper research and comparison of the various loan deals will help you get the best loan deal with flexible terms that best suit your needs.
So whenever you are in need of quick cash help then apply for quick payout loans without a second thought!
Since quick payout loans fall under the category of short term unsecured loans, there is no need of pledging any collateral when you apply for these loans. These loans has been mainly tailored to help you handle any short term emergency in a trouble free way. To ensure that you find these loans fast lenders has eliminated the hassle of documentation and credit checking procedure. Such feature of these loans will help you get the cash you need quickly within hours of applying.
However, to qualify for instant payout loans you will need to meet some simple preconditions. For that you may be an adult with minimum age of 18 years and be a citizen of UK. Besides, you must be doing a regular job and earn at least 1000 per month. Furthermore, you must have an active bank account that should accept direct deposit. This is necessary as lenders will wire the approved cash directly into your account upon approval.
Any UK borrower who can meet these simple pre-conditions can get an amount ranging from 100 to 1,500. Short duration of 14 to 31 days will be provided to you to repay the borrowed money. Being unsecured in nature may make you pay a bit higher interest rates. However, proper research and comparison of the various loan deals will help you get the best loan deal with flexible terms that best suit your needs.
So whenever you are in need of quick cash help then apply for quick payout loans without a second thought!
Monday, September 10, 2012
Dog Ninja Review-become A Successful Real Estate Investor By Mark Evans
Well it's going to be an issue of excellent news and not so good news, based on which argument of the fence you stand: buyer or seller.
If you're a seller, I expect that prices within the Phoenix metropolitan area will remain flat, with a possibility of some areas losing another 10% in value. The reason being we are not completed with distressed properties. In fact, Bank of America's recent moratorium on foreclosures, since expired, only served to kick that may in the future. Add the fact that the state of Arizona is suing them, and you can deduce that 2011 may also be a rocky year.
At this time I have to add, and that i have said this before, that the banks will also be their own worst enemy. Their languid responses to short sales, (anywhere from two to 12 months) is costing sales and delaying the possibility of a return to some normal market; whatever which will mean in the future. Their utter disdain for the conventions and customs from the real estate market is definitely not winning them any friends one of the ranks of real estate professionals. So, keep offering insulting commission rates for which are arguably more difficult transactions and find out the caliber of agent you will attract. Keep insisting that potential buyers MUST pre-qualify together with your Aunt's second cousin at Billy-Bob's Ammo, Pizza and Mortgage Emporium. Let me know the way it all calculates for you personally. Many real estate pros have long memories so that your future won't be bright.
I believe the main problem using the banks, because of their corporate culture, is that some of the people tasked to approve a brief sale possess the stones to actually sign off on that loss. Too often they are scrambling for excuses to kick it upstairs, or off to another lackey, so as to avoid responsibility for just about any decision-making. This further exacerbates the issue.
On the positive side, it will not be a poor year for buyers, price-wise a minimum of. For individuals who saw prices sky-rocket in '05 and '06 and who thought that the imagine home-ownership passed away for ever, the reprieve continues to be extended. It will likely be a demanding and perhaps fraught experience due to the above-mentioned reasons, and the cautiousness, understandably, of the appraisal community. However, for all those buyers with a steady job and a a good credit score score you will see some good deals to be had.
Here's hoping that everyone enjoys a contented, prosperous and more importantly, a healthy 2011.
Now, let's discuss about Dog Ninja created by Mark Evans and just how it may assist you. I hope this short Dog Ninja Review will assist you to differentiate whether Dog Ninja is Scam or perhaps a Real Deal.
DogNinja Product is just like having countless virtual assistants working night and day free of charge - which system works best for both commercial and residential real estate. Let's say, you place just two deals together from leads generated with this system and also you make ,000 on each deal without risking all of your own money. Which means you don't use any credit, you don't pay to visit begin to see the property, you're just sitting in your own home doing the deals. In order to spend time at just a little caf or about the beach in the center of a special afternoon, while most people are at the office, understanding that your DogNinja site is cranking out profits effortlessly what might be much better than that? What exactly Have you been awaiting? Give your investing business the jumpstart it must surpass your wildest earnings goals.
If you're a seller, I expect that prices within the Phoenix metropolitan area will remain flat, with a possibility of some areas losing another 10% in value. The reason being we are not completed with distressed properties. In fact, Bank of America's recent moratorium on foreclosures, since expired, only served to kick that may in the future. Add the fact that the state of Arizona is suing them, and you can deduce that 2011 may also be a rocky year.
At this time I have to add, and that i have said this before, that the banks will also be their own worst enemy. Their languid responses to short sales, (anywhere from two to 12 months) is costing sales and delaying the possibility of a return to some normal market; whatever which will mean in the future. Their utter disdain for the conventions and customs from the real estate market is definitely not winning them any friends one of the ranks of real estate professionals. So, keep offering insulting commission rates for which are arguably more difficult transactions and find out the caliber of agent you will attract. Keep insisting that potential buyers MUST pre-qualify together with your Aunt's second cousin at Billy-Bob's Ammo, Pizza and Mortgage Emporium. Let me know the way it all calculates for you personally. Many real estate pros have long memories so that your future won't be bright.
I believe the main problem using the banks, because of their corporate culture, is that some of the people tasked to approve a brief sale possess the stones to actually sign off on that loss. Too often they are scrambling for excuses to kick it upstairs, or off to another lackey, so as to avoid responsibility for just about any decision-making. This further exacerbates the issue.
On the positive side, it will not be a poor year for buyers, price-wise a minimum of. For individuals who saw prices sky-rocket in '05 and '06 and who thought that the imagine home-ownership passed away for ever, the reprieve continues to be extended. It will likely be a demanding and perhaps fraught experience due to the above-mentioned reasons, and the cautiousness, understandably, of the appraisal community. However, for all those buyers with a steady job and a a good credit score score you will see some good deals to be had.
Here's hoping that everyone enjoys a contented, prosperous and more importantly, a healthy 2011.
Now, let's discuss about Dog Ninja created by Mark Evans and just how it may assist you. I hope this short Dog Ninja Review will assist you to differentiate whether Dog Ninja is Scam or perhaps a Real Deal.
DogNinja Product is just like having countless virtual assistants working night and day free of charge - which system works best for both commercial and residential real estate. Let's say, you place just two deals together from leads generated with this system and also you make ,000 on each deal without risking all of your own money. Which means you don't use any credit, you don't pay to visit begin to see the property, you're just sitting in your own home doing the deals. In order to spend time at just a little caf or about the beach in the center of a special afternoon, while most people are at the office, understanding that your DogNinja site is cranking out profits effortlessly what might be much better than that? What exactly Have you been awaiting? Give your investing business the jumpstart it must surpass your wildest earnings goals.
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