Saturday, December 29, 2012

Advice on Home Improvement Loans

There are a series of questions that need to be asked when contemplating a home improvement loan. A well informed applicant can be assured that the outcome of his/her diligence will be appreciated by all concerned. The first question one must ask is 'what can I afford'? An accurate accounting of finances is a basic requirement. 'What is my income'? 'What are my expenses'? 'Do I have a good history of paying my debts'? These type of questions are necessary, not only for my own well-being but for the protection of the lender and the person performing the work. Each person is relying on the integrity of the other.

Home improvement loans are a vital tool in today's economy. The main reason for obtaining them is to ultimately increase the value of your home, as opposed to purchasing a new structure. The biggest benefit to improving an existing property is the fact that less money needs to be invested. A loan can be used for something as modest as putting in an extra bathroom or as extensive as adding several hundred square feet for a growing family. Borrowing for the project is the best way to get the extra room you need when you need it. Sometimes its just not feasible to save for a long period of time. For example, planning a nursery for a new arrival may not have the same priority if the child is going to grow out of it before you can complete the project.

A good piece of advice for someone that is ready to borrow for their improvements is, talk to someone who has done it. But remember to keep an open mind. People have varying experiences; some good, some not so good. Personality is a big factor. One homeowner may be very detail oriented and therefore see a minor flaw as a catastrophe while someone else may not even notice major defects in a project. In each instance you will receive opposing feedback. You must decide, in the end, what your own expectations will be. One of the best resources you can get is your building inspector. He is trained to look for anything in a project that does not meet local building codes. But because of his experience he can tell if a tradesman is good at what he does.

Finally, but most importantly, research your lender options. Who has the best interest rates? Do they have a good reputation in their community? Be aware that the lender you choose will be working with you to see that the job is done in accordance with their requirements. Remember, this is their money and they want to protect their investment. A good lender will spend time with you and your contractor to make sure you get the finished product you deserve. People that do the work for you will more than likely know your lender and as they work together on your project you should have a gratifying experience. When your home improvement is finished you will be a qualified reference for others.

Friday, December 21, 2012

Shake off Your Defaulter Status through Student Loan Consolidation

Student loan is imperative if you are unable to meet the educational expenses. The loan for students comes with significantly lower level of interest and relaxed repayment terms. They are easy to get due to quick processing. In spite of all these facilities, it is unfortunate that some default on student loans and number of the defaulter in on the rise. You are included in the 'defaulter' bracket if you fail to meet monthly installment for up to two hundred and seventy days. It is the worst financial messes that you find hard to get out of. With no scope to evade the payment, getting a relief may seem to be a dream for you. Do not fret and frustrate, you can certainly have a peace of mind with help of student loan consolidation.

Loan consolidation is the only and ideal way to merge all the current loans into a single one. In a simplified term, student loan consolidation is all about meeting a single payment instead of multiple ones. A revised repayment criteria will be issued by a new lender and the aggregate of previous balances is to be paid off through singular monthly payment after regular interval. The interest rate for the consolidated loan is determined by calculating the average of the existing loans.

Both the students and their parents can apply for loan consolidation. Student loan consolidation provides the students with several benefits. When the loans are consolidated, the interest rate drops and as a result, the volume of monthly payment also dips. A chunk of loan burden falling off, the defaulting students find it easier to meet reduced payment on time. In case of student loan consolidation, the repayment period is stretched longer to trim the size of the periodic payment. It is possible for the students to share the facility of loan consolidation with another person, such as spouse. But this is not a preferred solution for many as both of them have to meet the necessary criteria to apply for joint student loan consolidation. The burden of repayment is to be carried even after the couple separate or divorce.

The majority of the Federal loans including FFELP, FISL and some of the private loans can also be consolidated. The student loan consolidation is offered by different banks as well as private lenders. Help regarding loan consolidation is also extended by the Department of Education. Generally the 'defaulter' tag makes a dent into your so far impressive credit record. The result is you will be denied loans and can not qualify for the most of the credit cards. Several problems may hit you in the event of defaulting on payment. You may experience wage garnishing, seizing of tax funds and be sued in the court too. Fortunately, there are means to mend your poor credit record in order to recover from defaulted loans. Apart from student loan consolidation, you may also try loan deferment. By deferring your payable amount for a specified period, you may enjoy some short-lived relief. Remember that interest will accumulate even during the period of loan deferment and you have to pay if off too.

Wednesday, December 19, 2012

Learn Something About Land Banking Strategy

Most of the people have very vague concept of land banking, though they’ve some familiarity with this lucrative mode of investment. Those who are into the personal investment business or financial planners may know well about land banking and investing in real estate. Consulting them you can realize that how and why it is one of the most important ways of investment.
There are some firms you may come across like Ace Capital Group while looking for some guidance on investing you can rely on. They will help you out how you can shift your money out of high risk investments something like mutual funds and into lower risk vehicles. They will assist you with your investments and savings so that you can increase your return, and lessen your risk, and also you can decrease your taxes. You can invest your IRA into real estate with the help of trustworthy investing companies which is nothing but a kind of land banking.
Most people would agree that investing in land or real estate have several benefits. And therefore, if you think of investing in land or property, you will get maximum profit in the nearest future. You can earn much more by selling out your land or property, but you will have to pay a capital gain tax for that specific year. You can simply consult the reliable firms like Ace Capital Group and make your investment profitable under the right sort of guidance.
Have you ever thought that you can defer the tax on all your real estate profit? Yes, it can be done with the help of or using what is called IRA. Once you get profit from your investment, you can put it back to purchasing other property and sell it off in the future for profit. You can repeat the same process which normally called land banking. This practice of investing in property can be dome with companies like Ace Capital Group which are reliable as well as trustworthy.
As you perform the strategic process of land banking, you can truly become your own bank! Here you can have the potentiality to earn something more than you could get from the bank. If you really wish that your retirement days will be spent safely and happily, then you can surely think of going for real estate investing or land banking or invest your 401k into real estate and secure your future!

Monday, December 10, 2012

4 Things To Consider Before Selling Your Home

When beginning the process of selling your home normal questions like how to get the best price for my property and whether or not to use a real estate agent immediately come to mind for most sellers. Whether you're a first time home seller or a seasoned home selling veteran the process of selling a home will inevitably be challenging and complex. The best plan for any home seller is to prepare a home selling strategy before putting a home on the market. In this article you will be a given a home sale strategy that will help get you moving in the right direction.

* Why Sell Your Home? - Before selling your home, it is essential to know and understand why you've decided to sell. Homeowners choose to sell their homes for many different reasons. Common reasons are because they've outgrown the home, they've changed jobs, or something as simple as they need a change of scenery. No matter what the reason may be, a home-seller should always be aware of what their motivation is to sell their home. Understanding the motives to sell will make difficult parts of the real estate transaction more tolerable.
* What's The Home's Value? The first thing every home seller wants to know is how much their home is worth. Knowing the value of your house is usually the most important factor in the decision of whether or not to sell a home. The two most reliable ways to determine a property's value are 1) opinions from real estate agents and 2) appraisals. A real estate agent can usually tell you what the home will sell for and the appraisal can give you an idea of how much the property will appraise for when the new buyers attempt to obtain a mortgage. Sellers are always shocked and upset when their house appraises below the asking price or agreed upon sale price because the end result is usually a price reduction by the seller. The best way to avoid future disappointment is researching value before listing.
* What To Do Before Listing? - To avoid issues with the sale of the home the best course of action is a pre-listing inspection. Home inspections will give the home seller an idea of which items or systems in the house need repairs and allow the opportunity to make the repairs before the home is listed for sale. Pre-listing inspections allow the seller to avoid difficult buyer inspection negotiations and will make the overall transaction smooth.
* Choose A Local Real Estate Agent To Represent You - When a home seller finally decides to sell their home the absolute best decision is to use a local real estate agent to list the property and assist with the subsequent negotiation and sale. Local real estate agents have an intimate knowledge of the local market and how to best market and advertise properties to the local community. Good real estate agents will show home owners comparable sales, pending sales, and active competition. Once an offer is received the real estate agent will evaluate and present the purchase offer, advise on how to negotiate, and oversee the transaction from contract to close. Find an agent you trust and let them do their job!

Friday, December 7, 2012

Car Finance Deals

There are many different kinds of car finance deals available. However, in the past couple of years getting financing for a car has become far more difficult than it once was. The credit crunch has led to banks and other financial institutions being far more careful about whom they lend money to and for what reason. Even someone with a relatively good credit rating and a steady job can struggle to get financing for a new or used car. However, if you know where to look it is possible to find finance and it is even possible to find some good deals.

Finding Car Finance Deals

If you have a relatively good credit rating, it is well worth at least speaking to your bank and other financial institutions about a loan. The worst that can happen is that they say no.

If this is not really a viable option speaking to the car dealer or garage you are planning to buy from about the car finance deals they have to offer is a good idea. Because of the fact less finance is available from the banks the car industry has had no choice but to respond and to come up with their own car financing solutions and packages. Without doing so sales of cars would be very flat indeed, because most people cannot afford to buy a car outright.

Car Finance Deals For Those with Bad Credit

If you have a very poor credit rating things can be more difficult. However, luckily, there is still a solution, and that is to buy from a dealer that specialises in selling cars to people with poor credit ratings.

These specialist dealers offer easy to understand and access car finance deals. They will lend to anyone who is in permanent employment and earns a reasonable amount per month. The service they provide is just as quick, efficient and professional as any other loan company's. Rates of interest can be high, but you still have the option to shop around and find the best deal, so this need not be a problem. Some will even take your existing car as a full deposit on any car you buy from them.

Monday, December 3, 2012

The Financial Market Place At TESCO Online

The universal financial market is serviced by Tesco the initiator of financial services through telephone and via the its website as well. Tesco proffers loans of all kinds such as home loans car loans study loans travel loans pet insurance and many such facilities to fulfill the financial needs of its customers at reasonable rates. Tesco gives out both secured as well as unsecured loans where in the earlier one the customer has to give some security and the same is not required in the former one. The loan from Tesco can be obtained in a much easier manner for the secured one based on the value of the asset.

Even those customer having unfavorable credit back track can avail loans from Tesco on the basis of age income and work status. Do not look to any other financial company than Tesco for all your loan needs as this is the best in terms of viable interests rates adaptable repayment terms balance transfers and also financial disclosure of the conditions of loan disbursement.

Tesco also provides expert economic analysts to the customers to help them reach an informal accord to repay their debts and avoid bankruptcy. Additionally Tesco also provides all these facilities online with just a one step registration to its customers for free making their financial needs hassle free. The protection of the personal financial details have to be ensured by the customer and for this Teco online give the opportunity to tryout the services for a temporary time frame before going in for the sign up.

Tesco even suffices the customer with financial products such as insurance credit cards loans and savings accounts at very attractive rates with stimulating discounts. As traveling is not free from hazards these days Tesco has come up with the product travel insurance. The insurance quotes and information is made available directly to the customers on the website. Tesco also provides a comparative chart for the insurance quotes of other leading financial companies before opting for the best one.

There is no better company than Tesco to help fulfill the financial goal of the common man. The servicing of many new products and that too online has made Tesco the number one company for providing financial services worldwide. It is like a one stop shop financial supermarket for all the your financial needs without undertaking the trouble of approaching multiple finance companies.

Saturday, December 1, 2012

Points To Keep In Mind Before You Sell Gold For Cash

The highly volatile and sinking economy has shaken the trust of the people on the stock as well as the real estate market. The investor today likes his investment to be safe from all market risks and gold is surely the best option. This has resulted in an all time high increase in the demand for gold and has taken the prices of gold touching almost to the sky. If you are also looking to make some quick money and sell gold for cash, keep in mind the following some points to get the best value for your gold.

1. Raw gold is better than jewelry: Raw gold will anytime fetch you better money than gold jewelry. If you have a make a choice between jewelry and raw gold to sell, select raw gold without thinking twice.

2. Get your gold appraised: It is a good idea to get your gold valued beforehand. The idea here is to ensure that you already have an idea of the amount that your gold will fetch you and avoid chances of getting duped by the dealer.

3. Know the value of gold: Even a layman knows that the purity of gold is measured in Karats. You should have a proper idea about the karat value of your gold as the higher the karat value, the higher the value of gold.

4. Know the dealer's weighing scale: Gold is usually measured in Troy ounce but some dealer may measure gold in pennyweight or grams. Insist your dealer to explain you the measuring units used and don't rely on his calculations.

5. Visit at least 2-3 dealers: There are high chances that a single dealer may be trying to dupe by one means or others. Don't trust the dealer even if he is someone whom you know even for several years. Get the final quotes from several dealers and pick the one that offers you the maximum amount.

6. Check out some antique stores: In case you are trying to sell some old jewelry that your mother or probably even grandmother had worn, there are high chances that it might have an antique value. Check out with some antique store to assess the antique value of your cash. In case he is not ready to buy it, you can give it to him to put it up on sale and give him a percentage of the amount that it will fetch.

The trick to sell gold for cash at the best value asks you to indulge in a complete homework regarding the weight, value and price of the gold to be sold.

Thursday, November 29, 2012

Useful Hotel Desk Clerk Interview Questions

A hotel desk clerk is the personnel in the front office who is responsible for welcoming guests in a hotel. He or she is responsible for attending and serving guests in a courteous, efficient and pleasant manner, both face-to-face and on the phone. Nowadays there is huge demand for hotel desk clerks. If you want to secure a decent job in this field then you must excel in communicational as well as clerical skills.

Hotel desk clerk is the person, who is always in the public eye. In this article, I would like to provide you some questions that come up again and again in interviews for the post hotel desk clerk.

1. Tell us a bit about yourself?
It is a very general interview question. The interviewer is looking for a quick overview of your academics. The employer is not at all interested in your family, pets, or hobbies. Demonstrate your professional self in front of the interviewer. The best way to answer this is to give a brief description of your qualification so far, focusing on your specific achievements.

2. Please elaborate about the roles and responsibilities of a hotel desk clerk?
People at this post have to carry out numerous important roles and responsibilities. He or she has to look after check in, check out procedure, handle cash, assign rooms, register guests, determine credit, render bills, receive cash, credit payments and provide guest service.

3. Can you please tell us about your typing speed?
A clerk is thought to have a very good typing speed. On an average they are supposes to have a typing speed of 40 to 50 words per minute. Just make certain that you possess this speed. Else it will be very hard for you to be selected. One should practice very hard on typing speed.

4. According to you what are the most effective approaches in communication?
I think one should be humble, polite and friendly while talking to others. It is the most excellent way of communication according to me.

5. Why do you want to work for our hotel?
Well, this question needs a detail research of the respective hotel. Do your homework prior to the interview and spend some time online or at the library and make research about the respective hotel. Find out as much as you can, including products, size, income, reputation, image, management talent, people, skills, history, and philosophy of the related hotel.

Make sure you prepare these questions well before appearing in an interview.

Friday, November 23, 2012

Astrological Forecast For 2011

Astrology predictions are based upon the current planetary configurations and patterns in the sky and anticipating how they will interact with the current environment. If you consider economic predictions, an economist looks at graphs and charts, probabilities of the indicator moving in a specific direction, then takes that information and merges it with the political or business climate to predict an outcome based upon the interaction of the combined knowledge. Astrological predictions are similar in that astrologers use the knowledge of where the planets will be at a date in the future, the relationships between the planets and superimpose that knowledge with the current climate and project possible ramifications and outcomes of the interaction between these factors.

2011 brings several significant shifts that will impact our future. Astrology predictions for 2011 include events that will affect how we live and view the world both on global and personal scale. The year begins with a solar eclipse on January 4th, which is the same day Uranus and Jupiter will be making their third and final conjunction at 27 degrees of Pisces. This event electrifies the year with expanding advances in medical discoveries and crucial awareness of humanitarian needs. The medical advancement will change the way we treat diseases for many years.

There are three major influences that will dominate the year; the Jupiter Uranus conjunction, Jupiter square Pluto and Jupiter opposite Saturn. As you can see Jupiter is the common denominator between three powerful planets, Saturn, Uranus, and Pluto.
Jupiter will push the symbolic representations of what these planets rule and challenge them to be more and do more of what they represent.

The first significant event is the Jupiter Uranus in Pisces conjunction. This is the final conjunction of the three conjunctions and the expression of this conjunction has the last word. The conjunction in Aries occurred as Jupiter moved into Aries and briefly passed Uranus as Uranus made its station to move retrograde. This conjunction in Aries signaled great progress in alternative energy specifically hybrid and electric vehicles. While the two planets were in retrograde motion they crossed paths again in Pisces in September 2010. Jupiter moved direct in November and Uranus direct in December catching up with each other January 4th 2011 as Jupiter speeds by. The two planets will not meet up again until April 21 2024 in the sign of Taurus. Therefore for the next 13 to 14 years we are utilizing the influence of the unfolding the message from the triple conjunction from 2010, one in Aries and 2 of the conjunctions in Pisces.

Jupiter will enter Aries January 23. Put on your training shoes and get ready to you're your inner warrior athlete and adventurer. Try new ventures; just beware that you may not complete everything you start. Films and books that feature hero's and heroines that prevailed against all odds with become wildly successful and popular.

Jupiter enters Taurus June 4th and will stay in Taurus for the remainder of 2011. Jupiter in Taurus expands our desire to have, whatever you have been putting off purchasing you will feel freer to buy. Consumer spending will increase. And for the Taurus's born the first 10 days of Taurus if you have been looking for a job finally one will come through for you. The real estate market will stabilize and improve.

Uranus in Aries makes its reentry March 13th and will travel through the sign of Aries for the next several years. This energy is bringing inventions and revolution to what and the way we drive. Personal freedom will be extremely important. Individualism will rise and revolt against being forced to do something one does not want and will spill over into political arenas and debates. The tea party movement will not disappear as people will be seeking representation that will adhere to more individual freedom and revolt against large institutions that want to instill more regulations and restrictions.

Neptune dips into Pisces April 4th until the retrograde brings Neptune to revisit Aquarius August 6th continuing in Aquarius through the remainder of the year. Pay close attention to breaking new developments from April through August. You will see the future of possibilities in environmental change for the earths' water.

The Lunar nodes shift to the Sagittarius Gemini axis the first week in March and will continue to travel through that axis until September of 2012. Travel will increase; even small trips and weekend getaways will be back on the calendar. The Sagittarius amongst us will begin to feel the need to move on. The moons nodes and the eclipses are intricately connected, when you know what sign one is in you know the other is not too far off.

Jupiter squares Pluto February 25th . The last conjunction was in Sagittarius and this is the first quarter square challenging how well we are moving along. The conjunction demanded truth, justice and honesty or global implications would be felt. The fall out can continue with corporate lies and deception, this time it may be indicated in educational institutions. The once secure government backed student loans can be the next big threat in defaults that send cracks down the fragile economic recovery.

The opposition of Jupiter to Saturn signals back to the conjunction of Jupiter and Saturn in Taurus in late May of 2000 which was the seed for inflation in home prices. The time of the opposition will be the final significant onslaught of bad debt before the price of the homes are stabilized and begin the slow journey of recovery.

Saturn in Libra continues its journey and will delay marriage for couples citing financial restrictions. Self help advice for couples and relationships multiply. Divorces can be difficult to complete due to economic constraints which prohibits the couples from affording separate dwellings.

Neptune entering Pisces will bring great awareness to the global crises of water. The voices that have been crying out to address the contamination of the earth's water will begin to be heard and acknowledged.

2011 will be a turning point year, one of stabilizing and becoming comfortable with our newly and rediscovered values. On a personal level the astrology predictions for 2011 are towards finding and implementing our own personal desires and values. 2011 is a time to create equal partnerships in our personal and professional lives, and to break away from institutions that manipulate or control by authority alone. It is a year to seek businesses that you want to support and return to grass roots networking. It is a time to put action behind what you believe and sacrifice small conveniences for the good of all humanity.

Astrology Predictions for 2011 At a Glance

Social Interest

* Crowdfunding becomes an extremely popular avenue to raise money for artistic and other projects.
* Proliferation of non profit organizations will increase in 2011 and beyond.
* Going green tips the scale and becomes more than a trend; products become viable and sustainable alternative to traditional
* Global recognition and alarm over the planets water pollution and problems.
*Religion and spirituality expanding in countries that denied religious rights- scientist continue to find evidence of spiritual concepts thought to be superstition such as prayer as an effective measure to healing.
* Proliferation of Wine, beer, legal or medical marijuana selling by alternative storefronts such as websites.

* Electric and hybrid cars will get a huge boost, new technology will make electric
and hybrid cars a viable alternative to gas- By the time Uranus leaves Aries (2019)
gas powered cars will be in the minority.
* Breakthrough in affordability for personal robots
* Major leaks in personal medical data
* New technology and discoveries from the ocean- algae as fuel develops as a viable alternative
*Interactive TV channels explode education channels include college courses
* Inventions of new uses for personal robots and breakthrough in their affordability

* Job indicators have positive news employment opportunities increase mid April through the rest of the year
* Consumer spending increases significantly by mid year
* Travel industry recovery
* Continued contraction in large structured corporations who will continue to eliminate benefit packages.
* Restructuring of insurance companies and regulations.

* Major breakthroughs that continue in stem cell research and successful trials.
* Major breakthrough for head trauma victims; new rules for sports related head injuries.
* Alarming increase of aging population with brain disease, Alzheimer's, cognitive failure that creates crises for elder care options.
* Major leaks in personal medical data

Real Estate
* Final purging of significant number of bad debts and mortgage defaults late March/April
* The bottom of the real estate market will be over by mid 2011.
* Home shows will continue to be popular and expand on TV and other media.

* Department of defense expands into new and uncharted territory; redefinition of how to win and wage a war.
* News leaks of secret development of a weapons utilizing cutting edge technology.
* Polarization of role of government governments who can no longer pay for promises of benefits will crumble. This will be a long influence lasting throughout the time Pluto travels through Capricorn.

Astrology predictions can be used to help you stay ahead of the curve. Inventors and savvy business people have the natural ability to know trends. With the help of astrology knowing and predicting what trends will be popular in the future is easy.

Wednesday, November 21, 2012

$20,000 Military Personal Loans: Factors Applicants Should Know

The military family is pretty much the same as any other when it comes to dealing with the financial pressures so common in life. Getting a cash injection is often the only answer when debts are building up and managing them is becoming more complicated. Luckily, for military members - be they in the armed forces, Coast Guard or National Guard - a ,000 military personal loan is not difficult to secure.

Personal loans are general loans that can be used at the discretion of the borrowers, but typically they are used to clear debts, pay outstanding bills and even make important home repairs. But why is it possible to get loan approval with bad credit on a sum as large as ,000?

The simple answer is that military borrowers are in a stronger position than their civilians counterparts, even when bad credit scores are involved. Getting a military loan is more straightforward and more assured if the criteria and conditions are met.

Benefits of Military Financing

Getting an affordable loan deal is the principal desire of any lender, but military personnel are in a position to secure very affordable loans. The fact is that, with low interest rates and likely approval, it would be difficult for them to find a better deal than a ,000 military personal loan.

Members of the military are in an extremely strong position when seeking financing. For a start, they are employed by the US government, and enjoy a high level of job security. So, lenders have no fear over the applicant being made redundant or the employer going bankrupt. And with such assurance over loan repayments, granting approval with bad credit is logical.

Another perk is that military loans can be approved in lightning speed. And just 24 hours after approval is given, the loan funds are deposited directly into the bank account of the borrower. What is more, repayments are deducted directly from the paycheck, guaranteeing repayments for lenders and making defaults impossible.

Why Bad Credit Is Not An Issue

Bad credit scores usually have an effect on the terms of a loan deal, with higher interest rates quite normal. But when it comes to ,000 military personal loan, there is no reason for the lender to increase the interest rate being charged. The reason? There is practically no risk involved in the deal.

There is no risk because as far as lenders are concerned, job security and ability to pay are both at a maximum, leaving no doubt that they will get their money back and make a tidy profit. And since these issues are far more significant to lenders than bad credit scores, the scores themselves can be ignored, making approval with bad credit a formality.

What is more, the interest rate that is charged on military loans is low enough to make sure even the repayments on a ,000 loan is easily affordable.

Main Criteria To Meet

Not just anyone can apply for a ,000 military personal loan, and lenders offering this kind of deal require proof that the applicant is a member of the military and home defense services. This is actually quite simple to prove anyway, with an official military ID confirming rank and station sufficient to satisfy that specific criterion.

Of course, getting loan approval with bad credit comes down to other factors, but as already mentioned, proof of full-time employment and a reliable source of income are already evident. Also, being over 18 and a US citizen are no brainers when membership of the military is confirmed.

Because deployment overseas is a real possibility for military applicants, a permanent address as well as the deployment address is usually required too before the military loan can be granted.

Monday, November 19, 2012

Commercial Banking In India.

Prime Services offered by a commercial bank include processing of payments by way of telegraphic transfer, issuing bank drafts and bank cheques, accepting money on term deposits, lending money through overdraft or through installment, providing letter of credit, safe keeping of documents, currency exchanges thereby enacting the role of a financial supermarket. The Commercial Bank lays more importance on loans that it provides to its customers. These loans are Secured Loans, Mortgage Loans & Unsecured Loans. A secured loan is one in which a borrower pledges some asset as collateral against the loan. A mortgage loan is granted to purchase property against security provided to the bank until the mortgage is paid of in full. The mortgage or loan can be repaid in easy installments. Unsecured loans are granted without any specific securities, under marketing packages like credit cards, debit cards, corporate bonds, etc. All in all a commercial bank raises funds by collecting deposits from businesses and consumers via checkable deposits, savings deposits, and time (or term) deposits & loans it to businesses and consumers. It also buys corporate bonds and government bonds. Its primary liabilities are deposits and primary assets are loans and bonds.

Commercial Banking in India categorizes itself into project finance & working capital. In the case of Project Finance banks in India offers long & short term loans to business houses to set up their projects. These kinds of loans are issued after approval from banks core credit validating committee. The Project Finance segment in the commercial department is highly competitive with different players in the department trying to get the best deals done by enticing different corporate houses and business organizations to opt for the loan by providing lucrative offers. Working Capital or Capital Funds are issued by banks to corporate or business houses to meet diverse needs and requirements of the business community. Working capital finance is specialized line of business and is largely dominated by the commercial banks.

Commercial Banking in India saw dramatic changes in the last decade after India's integration with world economy. These economic reforms and the entry of private players saw nationalized banks revamp their service and product portfolio to incorporate new, innovative customer-centric schemes. Marketing and brand building programs were also given a new thrust in the new liberalized banking scenario. Promotional budgets were hiked to cater to the new and large discerning target audience. To meet the personalized needs of the customer and in order to differentiate its services, banks repositioned themselves in specialized fields, like housing loans, car finance, educational loans etc. to optimally service the customer. As of today Commercial Banking in India dominates other areas of banking such as retail banking and investing banking, solely due to influx and the term called installments that lures the customers to opt for loans to satisfy their business needs whether it is corporate or personal needs in terms of a mortgage loan. Commercial banking in India has definitely brought in a new dimension to regulation of finances in the Indian market.

Sunday, November 11, 2012

Why a Prepaid Debit Card and Not a Credit Card?

Prepaid debit cards are a good alternative to credit cards for anyone who is trying to control their spending. A prepaid debit card allows a consumer to deposit their money into a virtual account that can be accessed through a debit card. Once the funds are depleted, the consumer cannot spend anymore.

Unlike a credit card, a prepaid debit card does not allow a consumer to spend money he or she doesn't have. This prevents the consumer from racking up debt that he or she cannot pay off. Additionally, there is no interest charged on a prepaid card, and no bills to pay at the end of the month.

All these make the prepaid debit card a more responsible tool for budgeting and spending money, at least compared to a credit card.

In addition to controlling spending, many people like to use prepaid debit cards to send money abroad or give a gift to a relative or friend. Since these cards are easy to load and mail, they are ideal for people who need to send money abroad. In fact, they are safer than sending cash or checks through the mail, since many cards are able to be re-issued if the proper paperwork is kept. These debit cards can be used in many countries. A Visa debit card is particularly convenient since it can be used at thousands of stores and restaurants that also accept a Visa credit card.

Unlike credit cards, debit cards do not charge interest, but there are a few fees involved with using them. Just like a checking account at the bank, most prepaid cards will charge a maintenance fee once a month, as well as a small transaction fee when the card is used. Prepaid cards such as a Visa debit card do this in order to recoup their costs for issuing the cards and transferring the money from the card to the merchant or to other accounts. However, these payment and transfer fees are very low compared to those charged by banks for similar transactions.

All in all, prepaid debit cards are a great way to control spending through the holiday season, an excellent alternative to a high fee checking account, and an inexpensive way to transfer money to relatives and friends abroad.

Friday, November 9, 2012

The Benefits And Potential Pitfalls Of A Car Lease Takeover

In any kind of transaction, there are advantages and disadvantages, benefits and detriments. However, despite the negative points, a good transaction is a good transaction. This is how a car lease takeover works. Looking at it carefully, it has a number of good points and potential problem areasbut, if done properly, it can be a very sweet deal. Nonetheless, in order to understand the process of a car lease takeover, it is best to see the whole picture. So what are the benefits of putting a car on a lease transfer, and what can be the potential problems?


A lease takeover mainly gives a person more than one options for car financing. For instance, if one sells his car under a lease takeover program, he can avoid having to pay a penalty for lease cancellation. Canceling a lease can be a very big burden on a car owner, especially with the exorbitant cancellation fees. Lease takeovers are the most practical way to get rid of a lease, whether because the owner is having difficulties paying for the car or because he decided to buy a new car, hence the need to make someone pay for the lease. The transaction becomes flexible and negotiable, with the payments and the transfer done according to the terms of the buyer and the seller. With this, the seller can minimize his monetary expenses, follow the latest trends when it comes to cars, and ultimately control his finances. The best part here is the seller is not violation any contracts; lease takeovers are legal, relieving the seller of any legal responsibility.

Minor setbacks

There are a few minor considerations for anyone who would want to get rid of a loan. For one, most leasing companies consider the seller's credit rating. In short, they will assess the seller's paying capability; if the credit rating is low, the lease takeover would not be approved. This shouldn't be a problem for any with a decent credit rating; after all, how were they able to buy a car on loan with a bad credit rating in the first place? The condition of the car is also a prime consideration when getting rid of car leases or selling a car on a lease takeover procedure. Leasing companies would have to see if the car would still appeal to the market. If not, then it will not be part of a leasing transfer program.

Overall evaluation

Nonetheless, it is obvious that a car lease takeover procedure is the best way to get rid of a lease. These setbacks should not worry anyoneor at least those with a decent credit rating. If the seller and the car are still eligible, there are no reasons why one shouldn't transfer his lease to someone. It offers the flexibility no other method or option can provide. It also gives one the freedom to choose and not be trapped in unfavorable choices. A car lease takeover may have a few limitations, but these asides it is the most practical way to achieve financial freedom.

Wednesday, November 7, 2012

Things You Should Know About Commercial Real Estate

If you are ready to start investing in commercial real estate, you need to make sure you have a few things in order first. The more prepared you are for the task, the more successful you will be at securing and finalizing the deal. Keep in mind that selling and purchasing commercial properties is something that you don't want to attempt to do alone. Here are a few things that can be done to improve your chances of success.

One thing that is always good to have on your side is patience. No matter what type of industry or market you are dealing with, it doesn't pay to rush and make hasty decisions. This is especially true when it comes to the field of real estate. Rushing and making poor decisions can end up costing you a fortune. It can ruin your business before it really gets off of the ground. By being patient, you can do more research and increase your chances of getting better deals.

While everyone is making a big deal about how easy it is to get approved for a mortgage, you need to understand that you won't have a very pleasant experience working with a residential lender that rarely offers loans on commercial properties. In fact, in order to get the best rates try to work with lenders that specialize in commercial real estate. This will make things much easier for you to qualify and get approved for the amount you desire.

When it comes to shopping around for the property you want to purchase, even though you want a place that is structurally safe and sound, any flaws that you notice should be pointed out. Blemishes like cracks in the ceilings, broken windows or even poorly kept carpet are all things you should bring to the realtor's attention. You may be able to use those blemishes for a little bargaining room on the price.

If you plan on selling a property, work with your realtor to make sure you aren't over pricing the property. Even though you may feel your property is worth a certain amount, especially after you have spent time and money on renovations, you need to make sure the figure you are trying to sell it at is realistic.

Any work or inspections you have done on your property should be done by a licensed contractor or service. The same goes for if you want to buy a particular piece of land. Check the property's history and make sure that any work and services that have been performed have been done by a credible and licensed provider. This will prevent you from having to deal with any issues after you have purchased or sold a property.

Before you commit to finalizing any commercial real estate deals, make sure you have read all of the contracts, leases and other documents over. Make sure you understand everything that is included. If necessary, hire a real estate lawyer for guidance before you sign anything.

Tuesday, October 30, 2012

Interest Only Loan Rate

Interest only (IO) loans are loans that provide the option to pay just the interest on a loan for an initial period of repayment, say 5 years or 10 years. It also gives the choice of paying the interest plus as much principal as you want. The main advantage of this loan is the low interest you pay each month even though the interest rate is the same as that on conventional loans. IO loans also help to control the monthly payment and cash flow each month. After the initial period, the repayments are raised to fully amortized levels. These loans allow for a large principle prepayment if desired.

Interest only loans can be fixed-rate mortgages (FRM) or adjustable-rate mortgages (ARM). Though it is generally felt that interest only loans have lower interest rates, this is not true. In fact, they may have higher rates, because the risk is greater in IO loans. While going for an interest only loan with adjustable rates, it is very important to consider what the future interest rates are likely to be. This is because repayment in the future will consist of both interest as well as the principle.

For interest only loans based on the adjustable mortgage rates, the interest rate is calculated and changed based on the index rate. The Index rate depends on the average of Interbank offered rates for one year US dollar denominated deposits in the LIBOR (London Interbank Offered Rate). This Index is published in the Wall Street Journal. The interest rate is adjusted according to the index plus the margin (rounded to the nearest 1/8 percentage point). The interest rate cannot change by more than 5.00 percentage points than the initial interest rate over the whole term of the loan. Similarly, it cannot decrease less than the margin on the loan. Interest only loan products can be 30, 20, 15 or 10 year fixed mortgage with varying adjustable rates.

With increasing real estate prices, interest-only loans are becoming a preferred option for many. There are also many lending companies that are giving attractive options on interest-only loans. Information about interest-only loans is available on the Internet. They also contain easy-to-use interest only calculators that tell you the kind of repayments you will have to make. The current interest rates on interest only loans are also available on the Internet.

Saturday, October 27, 2012

10 tips to securing a home loan

We've only got about one page to list these 10 tips for securing a home loan, so let's jump right into it!

1) Get your credit score up

This is the key rule. Do not even think about getting a home loan until you've paid off your debts and worked your credit score up.

2) Get your credit score up

Seriously! What you should do is settle all your old debts, and then cut up all of your credit cards, but one or two. Use those for simple things like buying gas or grocery shopping and then pay them off on time.

3) Live within your means

Credit cards gave birth to a generation of people buying more than they could afford, with many of them winding up hundreds of thousands of dollars in debt as a result. Your spending money should be cash only.

4) Make sure the time is right

Sadly, we're not all ready to own a home. If you don't have savings and a reliable career, if you're already in debt, you'll want to improve your financial standing before going after home ownership.

5) Do your research

Basically, get online and do a lot of reading up on the ins and outs of home loans and the real estate market. If you develop a strong knowledge of the market, you're more likely to get what you're after.

6) Know what entices potential lenders

It's more than just having a nice job and a good credit score. Remember, they do background checks. If you've never held a job for more than a year, that's a turn off for lenders. Other things can help, too. If you have multiple sources of income, let the lender know about them.

7) Never borrow more than you think you can pay off

This is how American homebuyers got into so much trouble last year. They were knowingly borrowing more money than they could repay in the hope that home and land prices would forever appreciate.

8) Be willing to shop around

Don't grab the first loan anyone will give you. In getting a low interest rate on a loan or mortgage, you'll want to look around and see who can offer you the best deal. You may get lucky, but don't count on the first bank you walk into to give you the best overall deal.

9) Don't buy a pricier house than you need

This is more a tip for actually buying a house than it is for getting a loan, but it can help on that front, too. If you're a bachelor, what on earth are you going to do with a two story, two and a half bathroom house? Don't go overboard in selecting your home and the lender probably won't feel that you're asking for too much.

10) Don't be afraid to ask for help

If you need a real estate agent or some expert advice on securing a home loan, then go for it. A qualified home loan professional might save you a vast sum of money.

Friday, October 26, 2012

Printing Digital Photos on Matte or Glossy Paper

When printing digital photos, there are essentially two options for choosing the paper is printing on matte or glossy. The choice between matte or glossy is not only a question of how you want your prints to look. There are other things that you should consider.

Some people love bright shiny things. In general, these people also choose to use glossy photo paper printing paper as opposed to dull. Other people prefer to relax more things or are back, and most times end up pressure on matte photo paper. But your personality is just enough to be the right choice between matte and shiny.

Mat of glossy paper are printed by a special chemicals, the levels on the digital photo prints. Like all chemical implementation matte or gloss have different properties when it comes to heat, dust and other photo prints handling. Glossy photos have a shiny surface. They tend to be brighter and more cool. Glossy paper sports richer colors, because they tend to be more dynamic and more alive. The finished prints with a glossy layer also appear to be sharper and more fresh, or in contrast.

Glossy paper, although many drawbacks. Prints, which many people and are designed so that it affects many are typically implemented as glossy prints since matte prints tend to fingerprints and other organic stains easily. You can try just a glossy digital photo and touch them with your fingers. Look at the photo from the vicinity and you will clearly see your fingerprints on it. If you have photos brilliantly colored with fingerprints or other organic substances they need to be cleaned. Cleaning all photo prints can cause damage to the pressure for example by scratches it. The reason is simple cleaning with rubbing and rubbing a photograph means, rubbing his chemical shifts, they damage resulting in scratches and other imperfections.

Glossy photographs are also not useful if planned to be used outdoors or in an environment that is very lit. The reason is simple glossy photo prints reflect light and glare product if they have a strong light source. Matte photo prints on the other hand, a weight of fingerprints and other organic substances, which would otherwise stain a glossy photo paper. Black and white photographs to see much better when printed on matte paper. When viewing matte photo prints in a highly lit environments, there is no glare and no light, which again from the photo print.

Matte prints on the other hand, tend to fade the colors. Rich color digital photos usually do not look as vibrant and rich, how they might look when printed on matte paper.

It is clear that the choice between matte and gloss is a question of how the photos are used. Before choosing the type of paper used, you should consider how and where the photos are displayed. For color photos, which easily into a well-protected photo album a brilliant choice is better. For black-and-white photos mat is always the first choice. For rich color photos are outdoors and views from many different people the choice is not clear. Use glossy paper, when you're ready, that the photos have a short life span before they stained and damaged. Use a dull, if you want them to last long.

Saturday, October 20, 2012

Benefits Of Having Weather Stations For Home And Personal Use

Have you ever considered the idea of weather stations for home and personal use? There are certainly a number of great benefits for having a modern weather stations set up within your own home, not least because they are now very easy to install, have all sorts of features, and are extremely good value as well.

One of the best things about these home weather stations is the fact that you will constantly be updated as to fluctuations in weather patterns in your exact area. Outside weather sensors will regularly transmit information about the current weather to an attractive display which is set up anywhere within your house. You can check on this display at any time in order to see exactly what the weather is going to be doing.

These weather stations will therefore allow you to keep up-to-date with any bad weather that might be approaching. This can be extremely useful, particularly if you have a specific outdoor task that you need to get done. You can gather together information that will help you maintain your garden, your pond or aviary, your greenhouse, and any bits of furniture that you might have outdoors. If the weather station says that there is going to be a sudden downpour, then surely you would like to be warned about this so that you can bring in any outdoor chairs that you have outside your home?

Of course, on top of all this, you can gain a decent understanding of how the weather is interpreted and what exactly drives it. At the end of the day, or whether will provide the background for all sorts of outdoor recreational activity, and therefore the better your understanding, the more you will be able to enjoy yourself on any occasion.

All of the features that you might want from your home weather station can be purchased in a very easy to install package. It is best to look online for some options that you could choose from, and find out about the various features on offer with each one.

Of course, the price will also vary between the different products that you look at as well. Depending upon the features of the home weather station, you may be able to get something for as low as about 0. However, as with anything else in life, you certainly do get what you paid for, and therefore you are more likely to find something of high quality starting at the 0 mark and above.

Certainly, that is not to say that the lower priced home weather stations are going to be completely ineffective. They will still function in many of the same ways as the higher priced models, but if you have a little bit more money to play with, it would certainly be advisable for you to invest a little bit of extra finance into the product.

If you are interested in getting a home weather station for your house, therefore, it would certainly be a good idea for you to read into it a little bit further to expand your knowledge and get a greater understanding of whether or not you may want to proceed with your interest.

Monday, October 15, 2012

Signing Up For A Credit Card Online

Many people use the Internet exclusively to pay bills, access their bank accounts, and perform other finance management tasks. The Internet has become the easiest way to access and explore credit as well. If you've spent any amount of time online at all, you've probably noticed sites that offer credit cards in addition to other financial products.

So, what's the deal?

Remember when your parents used to tell you that there's no such thing as a free lunch? Well, online credit card offers and other financial product offers, such as a free credit score, are rarely what they appear on the surface. Can you get your credit score through these sites? Sure, but you'll pay for it in the long run. Here's a tip: you are legally entitled to one free credit report each and every year, for free.

As long as you know what you're paying for what you'll be getting, you may be making the right decision. Be sure to read the fine print so that you know exactly what you're getting into. Make a hasty decision and you'll likely cost yourself some money.

The Free Credit Score
That flashing banner ad at the top of the screen may be screaming free credit score, but is it really free? Ads are a way to make money, not give things away for free. More often than not, those ads are a way for the advertiser to get you to buy something in exchange for something you may want.

For instance, that free credit score may be accessible only if you sign up for a credit card. Not a bad idea, you say? Check out the terms of the card issuer before you commit. Cards with high interest rates and hidden fees often use what appear to be great online deals to entice the credit novice to sign up. What good is a free credit score if you end up paying hundreds of dollars in fees for your new card?

The Sign up Now Draw
Ads enticing you to sign up for a credit card may be convenient, but what's in it for them? In most cases, online ads that direct you to sign up for a new credit card make money by receiving a finder's fee for each new account they bring to the credit card issuer. Although such practices don't really hurt you in any way, they don't help you either.

Ultimately, if you're shopping for a credit card and XYZ company is your choice anyway, go ahead and sign up for the card and get your free credit report. Conversely, if you're not in the market for a credit card, click the x and close the page. Remember, using credit wisely is all about making informed decisions. Check out what the offer entails and make your decision based on what you're getting for your time and money. A little research now may save you a ton of money down the road.

Sunday, October 14, 2012

Comparing FHA Financing to Conventional Financing for Owner Occupied Homes

It was 1934, the time of the Great Depression. Franklin D. Roosevelt had been elected President 2 years earlier and he started to establish programs to help the economy and unemployment. These were referred collectively as "The New Deal".

The U.S. Government felt that, as part of "The New Deal", a federal program was needed to increase new home construction and thereby create jobs. This is how the Federal Housing Administration (FHA) was established. This new program did create quite a few new jobs and, consequently, the FHA was off and running.

During the mid 1960s the FHA started to change. They stopped being only an insuring agency for loans and broadened their scope to include the administration of an interest rate subsidy program along with other aid for the home buyer. The Civil Rights Act, also known as The Fair Housing Act of 1968, added to the FHA's ongoing transformation away from being only a mortgage insurance program.

In 1974 the Housing and Community Development Act came into effect. This act significantly changed the Government's role in many aspects of housing and community development. It also made significant changes to the magnitude of the FHA's activities. Changes to this act, going forward from 1974, brought the FHA to the point where it is today.

For the purposes of this article I will only be addressing the advantages of an FHA insured loan when compared to a conventional loan. The criteria for this loan example will be a single family home being owner occupied.

It should be remembered that the FHA doesn't make loans or build houses. It only insures loans offered by private lenders. Mortgage insurance protects lenders against losses that result from defaults on home mortgages by buyers.

This insurance makes it possible for a buyer who cannot qualify for a conventional loan to still be able to buy a house or condominium. Townhouses and condos must be in a HUD approved complex to qualify for FHA insurance. Currently a little over one third (33.3%) of all home purchases in the U.S. are backed by an FHA loan.

There are 3 basic types of dwellings that qualify for FHA mortgage insurance. These are Single Family Real Estate Homes (SFR) - this includes Manufactured Homes (Mobile Homes), Condominiums or Townhouses in HUD Approved Communities and Public Urban Developments (PUD).

A common misconception is that the FHA buyer assistance programs are only for first time buyers. This is not the case. Any prospective home buyer can use an FHA insured loan as long the buyer doesn't have a current FHA insured loan in their name. If they do have an FHA insured loan in their name that loan must have a Loan-to-Value (LTV) ratio of 75% or less. To find your LTV ratio divide the total amount of money that you owe on your home by the appraised value of your home.

You can own rental properties as long as none of them have an FHA insured loan in place at the time you apply for your new loan. As a general rule the FHA insured loan program may insure loans with 5% down payment or, often times, less than that. This is based on the purchase or appraised price of the new home, whichever is the lower. A conventional loan usually requires a 20% down payment.

On a condominium or house that appraises for 0,000.00 the FHA insured loan would require ,500.00 down at 5% while with the conventional loan the required down payment would be ,000.00 at 20%. It should be noted that the FHA has additional programs, when combined with their basic loan guarantee, can often reduce the required down payment to substantially less than 5%.

The maximum loan amount will vary and will depend on what state and county the property is located.

Use this link to see the loan limitations for your property by state: This does not apply to Manufactured Homes which have the same limits in all locations - ,678.00 for a Manufactured Home only, ,226.00 for just a lot and ,902.00 for a Manufactured Home with a lot.

In most cases you will have lower closing costs with an FHA insured loan as opposed to a conventional loan. The FHA determines what closing costs can be charged to the borrower at the federal level. The local FHA office specifies the amounts of these fees. This determination is based on what the local office feels the amount charged for these services are reasonable and customary for their area.

The fees that can be charged to the buyer are:

Lender's origination fee
Deposit verification fees
Attorney's fees
The appraisal fee and any inspection fees
Lender's origination fee
Cost of title insurance and title examination
Document preparation (by a third party)
Property survey
Credit reports (actual costs)
Transfer stamps, recording fees, and taxes
Test and certification fees
Home inspection fees up to 0

Any other costs are generally not allowed, by FHA rules, to be charged to the buyer and are usually paid by the seller. These FHA allowable charges can, and do, change so check with the FHA, your lender or your agent to get the current list.

A buyer can qualify for an FHA insured loan with a much lower credit score than a conventional loan requires. FHA rules governing credit scores state that any application made after October 4, 2010 where the applicant has a credit score of 580 or above is eligible for the maximum amount of FHA financing available. Borrowers with credit scores of 500 579 are eligible for 90% LTV.

The FHA credit rules have just recently gotten stricter. What was acceptable a year or two ago is no longer in effect. FHA loans still offer more leeway in their terms and conditions than most conventional loans.

Interest rates on FHA loans are competitive but, due to the volatility of today's mortgage market, rates can and do change often. Check with your lender, broker or agent to get the latest rates.

FHA rules are subject to change. These were the guidelines at the time this article was written November 11, 2011. Please check with the applicable agent or agency to ensure that they are still current before making any buying decisions.

Thursday, October 11, 2012

Gold Trading Guidelines - The Best Way to Trade Gold Properly

Gold trading has been gaining popularity over time. Gold is known for its stability and good fundamentals that make it easy to trade it. With the surge of online trading, you can now trade Gold with a starting capital of a few hundred dollars. Gold is a favorite commodity because of its stability and also because you can trade this precious metal with a few hundreds of dollars or thousands. Gold is the best investment you can make during economic crisis and high inflation periods Before you start trading, it is very important to know how to trade gold. You need to understand the factors that control the movements of gold prices. Gold has strong fundamentals, it has more value than any other paper currency in the world.

How to be a successful gold trader

Gold has its own characteristics

There are several ways in which gold trading differs from foreign exchange trading. Gold is a lot less volatile than most of the currency pairs traded in forex. Therefore it is very hard, sometime impossible to scalp trade gold. Because gold is much more expensive in value, you will need to make larger investments with lower leverages. However, this kind of large investment can make a huge difference to your portfolio since it will stabilize and hedge other, more volatile trades. Once you get the basics of gold trading, which shouldn't take long, you can incorporate gold trading into your trading system, or even develop a new system specifically for trading gold.

Spot gold trading or online gold trading

Buying gold online may be one of your safest investments you can ever make. The first advantage is that you will not have to worry about security or storage space as you will not come into contact with the gold physically. Online gold trading has many advantages. You will not worry on where to store it or worry for its security. You can use the available leverage if you do not have enough capital to start trading. To succeed in spot trading, there is a need to manage your money. You should also avoid over-leveraging because this is the reason why most traders fail.

Always diversify your portfolio

This is a good example of not risking everything on one endeavor. Because there are different ways of investing in gold, you should spread your investment in all of them. This is just a way to minimize possible risks. Diversification is the key of success, it protects you from major losses in one single investment. You can invest in gold bars and coins with 35% of your capital, 20% in gold stocks and 45% in spot gold trading.

In conclusion

Do not invest all your money at once, let the process be gradual as you watch the trends in the market and understand the trade better. If you are interested in investing in gold, now you know that there is more than one way of investing and to be safe, you need to invest a part of your capital in all these ways.

Wednesday, October 10, 2012

Get Free $100 Voucher From Google Analytics

After clicking on the link, analyticsoffer , you'll be redirected to 100.html
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Follow these 4 easy steps to begin. Be sure to have the coupon code you received in your email offer handy.

1. Set up your account. Click on Sign up now, and create your AdWords account.
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4. Once you've opened your account, make sure you link it to your Google Analytics account. Click the Reporting tab and then Google Analytics on your AdWords dashboard and follow the instructions to link your accounts.

For more information on how to optimize your Google Analytics account, check out our Conversion University. You can also contact a Google Analytics Authorized Consultant for personalized help and tips.

To see testimonials on how AdWords has worked for businesses like yours, check out some of our case studies.

Promotional credit must be applied to a new AdWords account within 14 days of creating the account and is valid only for new Google AdWords customers with self-managed signup accounts and with billing addresses in the US. Advertisers will be charged for advertising that exceeds the promotional credit. Advertisers will need to suspend their ads if they do not wish to receive additional charges beyond the free credit amount. Subject to ad approval, valid registration and acceptance of the Google AdWords Program standard terms and conditions. The promotional credit is non-transferable and may not be sold or bartered. Offer may be revoked at any time for any reason by Google Inc. One promotional credit per customer. Advertisers with self-managed signup accounts in the US are subject to a USD activation fee that will be deducted from the promotional credit. Advertisers outside of the US, please refer to for activation fee. Offer designed for post-pay customers. Void where prohibited or restricted by law. Expires 9/30/09.

Note: notice that Offer designed for post-pay customers. So if you don't want to be charged at all, make sure to monitor closely so your advertising campaign doesn't exceed the free advertising voucher.

Monday, October 8, 2012

Canon's New Dig!c 4 Image Processor

Canon recently welcomed a new member to its digital camera family. The DiG!C 4 Image Processor, the successor to Canon's DiG!C III, has been incorporated into some of the latest digital SLR Cameras and high-end digital compact cameras. Canon is known for making cameras that enable users of all skill levels to take beautiful photos. The DiG!C 4 Image Processor has taken Canon's trademark ease-of-use, high-tech features and image quality to a whole new level.

Canon's face detection technology has long enabled photographers to take better portraits of people and pets. With the DiG!C 4 Image Processor, Canon has improved upon this convenient feature. Now, even faces at an angle or in profile can be quickly and easily detected. Another improvement is the Face Detect Self Timer. This function puts a new twist on the self-timer. Instead of waiting a set period of time before taking the picture, the Face Detect Self Timer detects when a new face has entered the frame, and this is what triggers the camera to take the picture.

In addition to enhanced photos of people, DiG!C 4 Image Processor is making it easier to take sharp action shots, increasing the speed of Canon's Motion Detection technology. In addition, DiG!C 4 has enabled Canon to include a High ISO Auto feature which automatically sets the right ISO and shutter speed based on how fast the subject is moving. Your action shots will be crisper than ever before.

Canon's brand new Servo AF technology, which is part of the DiG!C 4 feature set, also helps you take clear pictures of moving subjects. Continuous subject tracking and focus of a moving subject means you can quickly capture the perfect moment without having to recompose the shot.

Intelligent Contrast Correction gives the user greater flexibility in correcting the colour contrast of their photos. Corrections can be made both during shooting and after, automatically brightening up the faces of your subjects. Intelligent Contrast Correction simplifies photography by increasing your ability to point and shoot regardless of the ambient lighting.

The amazing power of the DiG!C 4 Image Processor has also been harnessed to boost your movie shooting capabilities. You can now record video for longer time periods without losing image quality. The key is the DiG!C 4's movie codec, which compresses the size of the data but not the quality of the image. You can record at the highest level of quality while still using less memory.

On top of all these new features, the addition of the DiG!C 4 Image Processor has also achieved greater noise reduction. Image quality remains high even when you're shooting at high ISO speeds. The DiG!C 4 Image Processor has taken everything that's great about Canon's line of digital cameras and made it even better.

This article is brought to you by Canon Australia - The latest in Digital Camera Technology

About Canon
Canon Australia is a leading provider of advanced, simple-to-use imaging solutions for businesses and consumers. Canon's Australian R&D company, CiSRA, develops customised solutions for local customers, and exports digital imaging technologies for use in Canon products worldwide. Canon has ranked among the top-three US patent recipients for the past 16 years, and had global revenues of around $ US39 billion in 2007. Canon Australia also operates Canon Finance Australia, which offers one-stop shopping for customers wanting leasing or finance services. For more information, visit

Sunday, September 30, 2012

Home Loans With Bad Credit: How To Improve Your Approval Chances

Traditionally, home hunters face an uphill task when they want to find finance to buy a new home. But the truth is that getting a home loan with bad credit is easier that many would think. What must be accepted is that compromises need to be accepted, like higher interest rates.

Lenders are usually thought of as conservative in their lending policies. This is certainly true with traditional lenders, like banks, but the rise of alternative lenders has seen the chances of securing mortgage approval increase dramatically. And with terms that are more flexible, and interest rates that are more competitive (though still not very low), these finance packages are more affordable too.

Getting approval is possible, even when an applicant has a very low credit rating. And, for any applicant, the chances of getting that home loan are improved when certain areas of the application are prepared properly.

Key Areas to Consider

There are three areas that every applicant should pay careful attention to before they submit their application for a home loan with bad credit. These relate to calculating an accurate budget (and sticking to it), the down payment, and finding the right lender with the right loan terms.

Calculating the budget is the first step, and involves making a careful assessment of existing debts and outgoings, and comparing them with income. Most lenders will stress the need to have enough excess income to cover mortgage payments for the lifetime of the loan. In fact, when it comes to securing mortgage approval, this is the core issue.

Budgeting means that the limit to what home loan is attainable is recognized so that a strategy can be devising to eventually increase that limit. For example, if the amount of existing debt is high, then lowering it by clearing some individual debts, or using a consolidation loan, then more income can be made available to cover mortgage repayments.

Increase the Down Payment

The down payment is often overlooked as an element in the overall mortgage deal, but increasing the size of the payment can have a positive impact. This is especially true when seeking a home loan with bad credit, where the monthly repayments need to be kept as affordable as possible.

Basically, the size of the required mortgage is lowered if the down payment is bigger. For example, a down payment of 5% on a home worth 0,000, means a mortgage of 0,000 is needed to complete the purchase. But a 10% payment means 0,000 is required, which could translate to a fall of perhaps 0 in repayments each month. Securing mortgage approval, therefore, become much easier.

Of course, another aspect is that providing a larger down payment tells lenders of the commitment an applicant has to getting a home loan. Saving a large sum of money relatively quickly requires real financial discipline, which is a positive attribute.

Find the Right Lender

Your choice of lender is just as important a part of any deal as anything else. They set the policy that affects the interest rate structure, as well as the range of penalties and fees that can be charged. So, getting the right one can make the task of finding an affordable home loan with bad credit easier to accomplish.

Online lenders are generally the best in the market, often charging more competitive rates and offering terms that are more suited to bad credit borrowers. For those with poor credit histories, the chances of securing mortgage approval are increased, as long as the criteria and conditions are met.

Still, be sure to examine any home loan offer carefully for hidden charges before signing up to anything. Also, check the reputation of the online lender with the Better Business Bureau website.

Friday, September 28, 2012

The Fractional Reserve Banking Fraud

Fractional reserve banking and the fraud that came with it is at the core of the present-day financial system. In order to grasp an understanding of the ongoing dilemma, and why Federal Reserve Banks are at fault, it is essential to understand the concept of Fractional Reserve Banking and why it is more than just counterfeiting.

Contrary to what is believed, the American dollars in your bank account are not the same dollars in the form of cash (Federal Reserve Notes) in your wallet. The dollars in the banks are make believe paper dollars, or numbers on a computer created by the bank an obligation or promissory note to pay you a certain dollars in Federal Reserve Notes. Simply stated, the bank backs the dollars in your bank account while the Federal Reserve backs the Federal Reserve Notes.

Throughout time, gold was the only existing currency. Purchasing your daily loaf of bread with pure gold did not seem practical and for that reason, goldsmiths served as early bankers. Goldsmiths would issue certificates that were backed by gold and this allowed people to purchase things with paper money. This paper money was represented by pure physical gold bullion and was stored in the goldsmith's vaults.

Producing certificates to look after gold meant that a significant amount of cash (gold) was just sitting around in storage. So the goldsmiths decided to start a fraud. When this happened, they became the bankers we know today.

Creating this fraud was really simple. Given that people did not know how much gold was actually stored, it was easy for goldsmiths to issue out more certificates than the gold being stored. By doing this, they attempted to earn more interest than would have been possible if they would have limited themselves to loan based on the gold stored. These goldsmiths relied on the assumption that not all of the certificates would be cashed in at the same time and therefore nobody would find out.

This is a critical explanation of the fraud that is fractional reserve banking. In the time of goldsmiths, it was easy to distinguish between right and wrong. The promissory notes were backed by the gold in the vaults. The moment the goldsmiths decided to issue notes that were backed by nothing (aside from the supposition that they would have enough gold inventory to pay, assuming not everyone demanded their physical gold at the same time)thus the process of fraud began.

How is it possible that bankers were allowed to get away with something like this? How could no one say anything about the false creation of gold?

Enter the government. Corruption can stem from power, and absolute power corrupts absolutely. So indeed, the government knew the trick of the goldsmiths' scam. However, the world's ruling classes knew it was not convenient to stop it. Instead, they saw it advantageous to perpetuate the scam. Why? Because by taxing and regulating the issue of money, they could keep a system in place where both could profit. This inevitably led to what we know as Fractional Reserve Banking.

If you move forward in time 500 yearsthe US Dollar is the world's reserve currency and serving like the world's goldsmith. Privately owned by several mysterious group banks, the Federal Reserve System illustrates the jaded relationship banks and governments have developed in the last 500 years. For some reason, world economies fall in the same trap of the same scam.

The interest rate banks operate under and lend are controlled by the Federal Reserve. In addition, the Federal Reserve controls the fractional reserve ratios banks are required to maintain (as a percentage of their reserves held in Federal Reserve Notes). What does this mean? The money supply and the new money' being created are controlled by privately owned company comprised of banks allowed to counterfeit' money. There is also the interest charge on those dollars created out of thin air!

For those reasons, I have a nickname for Fractional Reserve Banking: I refer to them as Fictional Reserve Banking. How long will you allow yourself to be fooled by this fraud? Will you take the steps necessary to protect yourself and stay ahead of the crowd?

Here are some suggestions for further reading: It is essential to understand the Fractional Reserve Banking in order to find or create positive banking solutions for your family and future. Solutions like these are the ones author Peter Macfarlane writes about in his blog on offshore banking. Peter also writes several articles on the topic of Wealth Creation for The Q Wealth Report which is a leading quarterly journal dedicated to financial privacy and individual liberty, as well as offshore asset protection. He is also a well-known authority and speaker at offshore living events.

Sunday, September 23, 2012

Cool Gadgets for Daily Life

We live in an interesting world. Every day, we can meet many different kinds of interesting gadgets. How many gadgets do you still remember? For me, I choose a good way to remember them. When I meet a cool gadget, I will record it in my blog. And now, in my blog there are many cool gadgets for daily life. Now, I introduce them to you, and I believe that you will love them.

Paper Chair
A black paper chair, do you want to sit on the chair? When I was a child, my mom said the cloth shoes are so comfortable, we search our file about the chair, it's designed by the Russia designer Vadim Kibardin. His works named Black Paper 37, from the image the felling is so good.

The chair is completely made from the black paper, a layer of the paper pile on another layer then shaped made the great work. If the thousands chair really used the thousands layer paper, that will be too exaggerated. Mr. Vadim finished the works only used 37 layers paper.

The chair really is so good, it look like so thin to be crashed when a person sit down. But it's owned a great elastic character. We also can prove the chair material is not the common write paper. Otherwise, when a person sat down on the chair once it will be a disposable chair.

Paper Bicycle
A designer spent made the bicycle. It sound like someone is talking about the dream. But the designer Giora Kariv realize it, the inspiration usually we can see someone made a paper boat can take someone in board. Kariv buddy have read the paper, he decide made a bicycle by the corrugated case. From the image shot, we knew he is successful, we also surprise he is only cost , the corrugated case can bear 136kg burden, it enough for a muscle guy ride it. If the day is rainy day, it's also without any question.

But, do you think is there some especially points of the bicycle? Of course not, but the thing is like a miracle. When we first see it, we will think it's made from wooden material. During the manufacture period, all of the components and parts is made from paper. In order to make sure the strength, the corrugated case is like roll shape, and the other point, the product is white. We think the bicycle is used the anti-water function or some different paint make sure it can ride across a pool.

Cool Mobile Phone
Today we can save the thousand mobile phone number, but slowly, we really need so many mobile phone numbers. I mean there are billions people on the world, we usually only need several the most close connector number, e.g. the most old and the young kids. For them, the OwnFone is easily control that will be the most comfortable mobile phone.

The mobile phone size likes your credit card, low cost even hasn't the screen, but it's designed for everyone especially designs.

The front screen only has 12 shortcut buttons. Every press button print the Father, Mother, Grandpa, Grandma, this will save the most time for the old man can't see the screen clearly but they also want to search the number. Those numbers only useful for yourself, useless for the others, if you think the Mum, Daddy is easily release your personal information, you also can print the Susan, David name on the button.

Wednesday, September 12, 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,

Monday, September 10, 2012

Advantages of Housing Loans Using SIBOR Rate

Advantages of Housing Loans Using SIBOR Rate

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

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

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

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

Thursday, September 6, 2012

Two Myths About Guaranteed Car Finance Arrangements

Two of the biggest myths when it comes to car finance and in particular guaranteed car finance are that you either have to wave goodbye to any kind of choice, and that taking out a guaranteed car finance car loan will harm your credit worthiness.

In this article we are going to look at both of these myths, understand where they have come from and why people believe them to be true, and understand exactly what the reality is.

The past couple of years have certainly been rather unkind to many of us, with finances being stretched to breaking point. This has resulted in many families being forced to make tough choices, often with the result that bills remain unpaid just so that food can be put on the table.

A credit card bill seems somewhat less important that eating at a time like that, but from the point of view of the credit card companies, anyone who doesn't pay their bill on time is a debtor, and this can result in credit histories being marred by entries which list the number of missed or late payments.

A credit history may well contain several such examples of this, and may also include problems such as arrears, defaults and even CCJs. Although the recession is now over, and finances are picking up, many people are finding that the damage caused is likely to be with them for a good many years.

Many entries made on a credit history must remain for six years before they are removed, which could mean that whilst the recession lasted just two years, the consequences could still be being felt in 2016 for those whose credit ratings have been damaged.

It is for this reason that a greater number of people than ever before are turning to guaranteed car finance firms for solutions. Trying to obtain a car loan or car finance with bad credit can be next to impossible, and in the wake of the recession most lending institutions have tightened their belt and increased the minimum level of credit worthiness required before being willing to offer any kind of finance.

Guaranteed car finance does seem to offer a solution, yet with the two most popular myths circulating widely a good many people who would otherwise benefit from such a scheme are choosing not to explore their options.

The first myth is that choosing to accept an arrangement for guaranteed car finance is choosing to give up any choice you may have had in terms of what car you can purchase. The reason this myth abounds is because there are examples where it is true.

In several cases car finance firms will offer customers what appears to be quite a generous offer of a car loan. However, what then becomes apparent is that the car loan can only be used to purchase a car belonging to the car finance firm itself.

Since car finance firms are rather different entities from car salesrooms, their expertise, range and quality is not always likely to be as good as you might want. But in almost every case you don't even get to choose any car from the range, but will instead be offered two or three cars to choose from.

But although this myth is true in some cases, it isn't true across the board. There are plenty of examples where car finance can be offered, and which is guaranteed, yet the customer is still free to choose to spend it on any car from any dealer anywhere in the UK.

So as far as this myth is concerned, it pays to look around and find a guaranteed car finance firm able to offer not only cheap car finance, but choice and freedom as well.

As far as the second myth is concerned, this is entirely untrue. Some people feel that having a guaranteed car finance arrangement set up will somehow damage their credit rating, since other financial institutions may see it as being evidence of a murky past.

This is quite false, and in fact the complete opposite is true. Having a guaranteed car finance arrangement will almost certainly improve your credit rating, as long as you make your payments in full and on time. This is because each month you make a payment the car finance firm will record this as a positive entry in your credit history. The more positive entries, the higher your credit rating.

So be aware of these myths, but be aware of the truth behind them as well, and when it comes to looking for car finance, make sure you choose carefully.

Sunday, September 2, 2012

Real Estate Recipe Postcards - Do They Work?

Are real estate recipe postcards a "delicious dish" for postcard marketing success, or are they a waste of time and money?

Only the individual marketer can answer that question with any finality. The answer will come from experimentation and testing with various postcard marketing tactics, comparing one strategy against another, etc. But I'd be happy to give my take on the subject, based on the time I spent working in the postcard marketing industry.

What's a Real Estate Recipe Postcard?
Let's start with a quick definition, just so we're on the same page. A real estate recipe postcard is a marketing postcard sent from a real estate agent to their audience (usually homeowners and potential home buyers). On one side of the postcard, there's a picture of a tasty dish with the recipe listed out. You know, chili con carne, bananas foster ... that sort of thing.

On the other side of the recipe postcard, the agent will list his or her contact info with some form of "Call me when you need help" message. The basic premise is that the recipient likes the recipe so much -- or finds the postcard so thoughtful -- that they dial up the agent and say, "Will you help me buy / sell a home?"

I know, it's a bit of a stretch. But that's how real estate recipe postcards are supposed to work. The question is, do they work that way? An even better question is, how do the response rates from a real estate recipe postcard stack up against a postcard that makes a powerful offer and employs proven strategies of direct mail marketing?

To my knowledge, there has never been any study on the effectiveness of real estate recipe postcards (when compared to a different form of real estate postcard). Sure, you'll find a handful of testimonials here and there, and perhaps some "Use real estate recipe postcards!" promotional copy on a postcard company's website ... but that's probably it.

So here's my take on the subject, based on my professional experience with both postcard marketing in general and real estate marketing in particular.

Me personally, I wouldn't spend a dime on real estate recipe postcards. And do you want to know why? Because while a real estate recipe postcard might produce one response out of a thousands mailers, there are ways to get much better response rates. You know ... those tried-and-true postcard marketing techniques, like making an offer of some kind.

There are also ways to combine the real estate postcard with an informational website, thereby creating a "super card" that can improve the success of both marketing channels. In short, I believe there are much stronger approaches to real estate postcard marketing than simply slapping on a recipe and waiting for the phone to ring. But that's just me.

* You may republish this article online if you retain the author's byline and active hyperlinks below. Copyright 2007, Brandon Cornett.