Thursday, May 31, 2012

Details For Bmw Leasing

If you are looking for new BMW cars on lease, you need to know the way to get a good deal in order to get your money's worth. To get a BMW lease which is perfect for you, it is essential be aware of the basics of negotiations and find out what the current ongoing car lease rates are.

Bargaining for a BMW Lease

And so you have found a BMW dealer that is selling you the best car and you now you are trying to determine a suitable BMW lease alternative that's well suited for you. How do you know you're not going to get ripped off? Listed below are some tips and advice.

Conduct Market Research

Prior to you even buy the car it is very important you have gone through many BMW dealers and even got a good idea regarding the price of your selected models. Time spent doing this kind of market research can save your lots of money and moreover it will ensure you go inside the dealership prepared to get a fair price. Consider this homework ? homework you have to do before you even get to the dealership. Also you can take a look at these rates from online BMW dealers.

Know the Current Lease Rates

Of course lease rates differ from one leasing company to another although there is generally a usual pattern that you need to figure out. Hence so as to purchase BMW cars along with an inexpensive lease you have to find out what other leasing companies are providing for your favorite BMW models and you will have a simple idea about BMW lease pricing and moreover rates. When you go into the dealership with those quotes in mind you will be fully ready to negotiate.

Find Out About Applicable Discounts

When you have a good credit history you can most likely get a number of bonuses and as well , discounts. There are many other discount rates and also refund offers also available from time on time on many models. Seek out those discounts and moreover find out if you would be eligible. These special discounts can decrease the cap cost (lease price) by a great number. If you're able to lower this cap cost, you will also be minimizing your monthly lease payments.

Check out Additional Costs

Prior to deciding on a price, it is essential to figure out from the dealer about other costs that you incur while buying a lease for the car. This could involve costs like disposition fee or purchase fee. When you have a complete idea of how much you will have to pay, it is possible to make a far better decision.

Be Familiar With Other Leasing Companies

Possibly the BMW lease that the dealer is offering you at the moment isn't as beneficial as some of the other bargains you might have heard about or even seen for yourself. In such a case find out from the BMW dealers whether they deal with other leasing companies that can finance BMW cars at a better price.

Wednesday, May 30, 2012

Capital Or Operating Leases ? What Is The Difference To My Business ?

When business owners and financial managers enter into business equipment leases there needs to be an election, or choice at the start of the transaction as to whether the company will reflect the lease on the company's books as a capital lease , or an operating lease . What is the difference between these two leases, asks the business owner, as long as I have received equipment and financing approval ?

The answer is that the type of lease that the business has entered into has a direct impact on the company's financial statements . Each lease has is own type of characteristics , and needs to be classified properly by your accountant .

Accounting standards have essentially established four criteria around how the business must treat the lease . Things are kept relatively simply, because in realty the tax department says that if your business equipment lease meets any one of the four criteria it is to be treated as an capital lease .
It goes without saying that lenders who specialize in operating leases make significant efforts to ensure their equipment leases do not pass any of the four criteria .

Lets looks at the 4 criteria . They are as follows :

3. LEASE TERM IS > or = 75% OF THE ASSETS ECONOMIC LIFE ( More about this one later!)

Title transfer is simply that, at the end of the lease the title of equipment, the ownership, reverts to the borrower , or lessee ,.
In he bargain purchase option scenario many leases are written so that at the end of the lease the customer has the right to purchase the asset for a specific amount. Many lessors simply use 1.00$ as the bargain purchase option amount, as they have essentially recovered all their capital and interest .

In category three if the lease term , or length of the lease, is equal to 75% of the life of the asset the transaction is viewed as a capital lease . This is certainly one of the grey areas of leasing, as we can all imagine as to who can really say what the useful economic life of any piece of machinery , etc, is? The whole point here is that if a lease has a short term then clearly it could be attacked as being a rental , with the owner having no intention to acquire the asset .
For our final category item, if the present value of the minimum lease payments is equal to or greater than 90% of the equipment value the government is essentially saying ? you own it ?! At this point the tax department is saying ? this is the same as if you were to buy the asset outright?.

In summary, if any of the four criteria are in place for any business equipment lease the lease is to be treated as a capital lease .

The accounting treatment is different for a capital lease, versus and operating lease , and that treatment will be explored outside of this article .

Car Dealer Leasing Tricks

Too often when it comes to auto-leasing, people get so dazzled by the myriad terms and the jargon thrown their way that they end-up paying through the nose, relying on a dealer's help than their own informed decision.

Here is a look at some of the tricks dealers use to pad their profits and leave the customers shelling hundreds of dollars more than the deal should be worth.

Trick 1: Leasing always a better deal than buying

Dealers use the lure of lower-monthly payments to entice customers to sign for long-term loans, with terms stretching for five years or more, making the payments even lower. There are two catches with such lengthy contracts: higher mileage, exceeding the prescribed limit, and hefty repair costs.

With leases charging on average 10 to 20 cents a mile for any extra mile over the agreed amount in the contract, and warranties only covering three years, you leave yourself wide open for hefty charges for excessive mileage and wear and tear.

Trick 2: Cheap 2-3% APR rate on your lease

The dealer is not quoting the interest rate you would be paying on your lease; he's rather giving you the lease money factor. Whilst similar to an interest rate and important in determining your monthly payment, a more accurate rate is calculated by multiplying the money factor by 24. For example a cheap 3% money factor is 24 X 0.003 = 7.2%. This gives you a better sense of what your annual interest rate on your lease contract is.

Trick 3: Stress-free early lease termination

Dealers know consumer driving needs change and they would like to have the option of getting out of a lease commitment sometime down the road, before their lease ends. Truth of the matter is, when you sign for a lease, you are effectively saddled with monthly payments for the remainder of the lease term and there is little-choice of getting out early. Lease contracts carry hefty financial penalties for either defaulting on monthly payments or terminating the lease earlier than the scheduled term.

To avoid being on the receiving end of such tried-and-true tricks, educate yourself about leasing. Get down to the nitty-gritty and understand what the leasing terms used by dealers mean. Crunch the numbers along with him and understand how they arrived at the monthly payment figure. Don't sign anything until you've understood all the terms and your numbers much those of the dealer. Do not let the dealer pressure you into signing; you are the one to determine whether the agreement is right for you.

Tuesday, May 29, 2012

How To Successfully Invest In Peer To Peer Loans

A peer to peer loan is a loan funded by individuals rather than commercial lending institutions, and as such, it is an unsecured loan. With this type of loan, no collateral is involved. It is based simply on one's pledge to repay the money. In the United States The Lending Club and Prosper are the primary leaders in peer to peer loans and investments. Peer to peer lenders who avail themselves to the services of these two companies are essentially investors in the loans presented by The Lending Club or Prosper.

Anyone can join these organizations and become a peer to peer investor with a minimum initial investment of per loan, and there are hundreds of loans from which to choose. When an investor selects a loan, he or she has a security interest in that particular loan, and details concerning this interest are explained in the prospectuses for both companies. Prosper fees and Lending Club fees will also be outlined in the prospectus.

Prospective borrowers must be qualified before obtaining a loan, and this process is similar to that which one would go through for a traditional bank loan. Borrowers are evaluated by an internet bank based on aspects such as their current income, credit score, and ability to repay the money.

Investors in such arrangements must keep several things in mind: loans acquired through companies such as The Lending Company and Prosper are associated with fairly high fees and rates of interest. This means that the amount one is required to repay may be higher than for a comparable bank loan. For this reason, many of the borrowers who seek loans at such companies are most likely doing so because their credit is not good enough to secure a lower interest rate from a traditional lending institution.

When one applies for a loan, the investors review his or her financial history, and borrower is often asked to respond to certain questions. The borrowers should have an explanation of why the money is needed, but objective data such as their credit score and debt to income ratio should also be taken into consideration during the process of deciding on the types of loans in which to invest. Investors, not being professional loan officers, should use caution in attempting to discern which individual borrowers are most creditworthy, unless they are relying on purely objective data. A story, no matter how compelling, simply cannot be verified in this setting. Proceed with caution when agreeing to invest any sizeable sum in any given loan.

The Lending Club and Prosper make the selection process simple by offering investors the option of pooled loan investments. Most investors consider this the least risky of all the selection methods.

Borrowers make their payments on their Lending Club loans and Prosper loans a monthly basis, and investors receive monthly payments as well, which include both the principal and interest on the original amount of the loan. It is an automatic process run by the internet bank.

Lending Club investments and Prosper investments are essentially simple, provided the prospective investor educates himself or herself about each company before joining. can offer a great return on one's initial investment, as long as he or she understands the risks.

Sunday, May 27, 2012


If you don't have enough funds in your hand to deal with your urgent monetary crisis then you can take help from instant decision payday loans. This loan will provide you a helping hand in getting quick funds at the time of need. With the help of this loan you can easily meet your urgent needs which you can't delay till your next payday.

Instant decision payday loans are short term loan and unsecured in nature. Thus lender will not ask for any collateral. The amount from which you can take benefit ranges from 100 to 1500. You have to pay back the loan amount within the time period of 2 to 4 weeks. This loan does not include any time consuming loan formality.

For getting instant decision payday loans you have to meet some prerequisites. Those conditions are as follow

Your age should be 18 years or above. You should be employed and must earn more than 1000 per month. You should have an active bank account of minimum 3 months old.

With the help of instant decision payday loans you can easily cope up with your short term expenses like paying children expenses, home rent, car breakdown, covering sudden medical expenses, paying monthly instalment, debit card bill, grocery bill and other pending bills.

If you don't have good credit history and have fear of getting the loan rejection then you can apply for instant decision payday loans without facing any hesitation as this loan is free from credit check. Thus bad credit holders like CCJs, IVAs, bankruptcy, arrears, or defaults in a hassle free way can apply for this loan.

You can easily avail payday loans instant decision by using online method. There are many lenders offering this loan at varied rate of interest. Choose the deal which suits you and by filling an online application form you can apply for this loan. This loan gets approved quickly and funds get credited in your account in the lowest possible time. Thus by making few clicks on your mouse you will be able to grab a good loan deal to deal with your crisis.

Saturday, May 26, 2012

Home Loans With Bad Credit: What Applicants Need To Consider First

Bad credit scores are not enough to rule someone out of the chance of buying a new home. In fact, getting home loans with bad credit is possible if the application process is approached in the right way. Realistic loan applications are a particular favorite amongst lenders.

Putting together a loan application that is strong and convincing requires some effort. Getting the basics right is the key to convincing lenders that their investment is safe, and that is what leads to getting approval fast - though exactly how fast the approval process might be depends on the lender.

It is a matter of getting all of the pieces to fall into place. Only then can a bad credit borrower stand any chance of securing the funds necessary to purchase a new home. But, there are a number of points that applicants must consider before applying for a home loan.

Considering the Minimum Criteria

The minimum criteria is the measure by which lenders begin their application assessment. It is only when these are satisfied that the matter of considering loan approval can begin. Getting a home loan with bad credit starts by establishing the fact that the applicant qualifies for the a loan.

Getting approval fast is a luxury afforded only to those who meet the four basic criteria. The first criterion is being over 18, while the second is confirmation that the applicant is a US citizen. The third is that the applicant has a reliable source of income that is sufficient to cover loan repayments.

The fourth and final condition is relates to the provision of a down payment as part of the home loan application. This is important as a large down payment is convincing, while also reducing the size of the required mortgage. So purchasing the property becomes more affordable.

Other Factors to Consider

The realistic attitude is essential if there is any chance to see an application for home loans with bad credit approved. Of course, this is only logical, with loan sums that are not affordable hardly set to be given the green light. What is more, bad credit scores usually mean compromises have to be made.

These compromises are usually in the form of higher interest rates and lower loan limits, with hopes of getting approval fast effectively ruled out when scores are very low. There may also be delays in submitting an application, especially when a down payment has to be accumulated - sums of ,000 take time to save.

How long it takes to get a down payment together depends on income and the value of the home, but a typical period is about two years. This means that planning is a core element of any home loan application, requiring some strategy and preparation.

Considering the Loan Options

Once the necessary criteria is met and aspects like budget and down payment are addressed, there is still the matter of finding the right loan deal from the right lender. A home loan with bad credit cannot be secured on perfect terms, so some compromises have to be expected.

Online lenders tend to offer the most competitive terms to bad credit borrowers. This is because they specialize in that niche market, offering lower interest rates and flexible repayment schedules. What is more, getting approval fast is also more likely from online lenders.

Finding the best deals is made easier thanks to comparison sites, which list the top deals matching set preferences. But make a shortlist of the most suitable 4 or 5 deals and study them. Get in contact with the lenders themselves and ask questions about their home loan deals to find the very best they are willing to offer.

Friday, May 25, 2012

Auto Loans

Auto loans for no credit people are a way of getting loans without going through your credit. Auto loans bad credit helps you buy a car that you have been dreaming of all along. You just need to fulfill the qualification criteria to get this loan. Auto loans bad credit are accessible very easily and also with a lower rate of interest. The loans can be both secured as well as unsecured. The unsecured loans have a higher rate of interest. The main benefit is that these loans are available very easily through online application to the lenders.

Credit scores are also to a greater extent used by others in making decisions about whether to do concern with a consumer, and on what terms. Credit bureau data on consumer borrowing and payment action has become the cornerstone of the underwriting agreement for consumer loans in the United States. Credit unions often offer outstanding refinancing rates, especially for those with high credit scores.

Financing your used car can be easier with RapidCarLoans. Financing companies including GMAC help dealerships increase their sales, but comparison shopping between auto dealership financing and other sources is a good idea. Financing a new car purchase can be done in various ways.

Interest rates are higher than they would be if you had good credit, but they are nowhere near as high as they would be if you had bad credit. Interest rates fluctuate between clashing lenders within the industry, so always compare interest rates offered and know the annual rate of interest you will be paying. Interest rates can sometimes make the difference between sealing a deal on the car of your dreams or settling for something less.

Lenders for personal loans are not the only victims of fraud. Vehicle financing has also seen an increase in the number of fraudulent applications submitted for the financing of the purchase or lease of a vehicle. Lenders market these loans as a quick fix with "no credit restrictions" and no background check. Lenders know about judgments for delinquent child support because they appear on credit report.

Used car auto loan are specifically designed for when you are buying a second hand vehicle, and are just as easy to set up as a loan for a brand new car. Used car finance is a HUGE business. Used Car Mileage Limitation = 60,000 ; Bank policy is that we do not refinance any existing GSB auto loan.

People prefer auto loans free of all hassles and with the lowest interest rate. People with poor credit scores find it hard to secure loans, even if there is an urgent need for cash. People fail to understand that when they want to do something, a lot of other people are going to want do the same thing.

Dealers call the money made on adding "points" (jacking up interest rates), "backend profit". Dealers also have access to financing programs provided by the new car manufacturers. Dealers also sell "add-ons" that increase the amount you borrow, such as extended warranties, credit insurance and GAP insurance at inflated costs compared to the same important services purchased from the credit union.

The Best Auto Loan Provider In Waco Tx

Auto Financing In Waco TX

Are you looking for an auto loan in Waco? Our dealership gives customers the ability to secure quick and easy auto financing at our Waco, TX location. The process is easy and simple, regardless if you have good or bad credit. From the domain of our website you can browse our new or used car inventory, submit your contact information and fill out a quick and easy credit application. Special financing is available for customers with below average or bad credit.

Waco TX Used Car Loan

The financing department at Jubilee Auto Group is filled with exceptional employees with many years of auto financing experience in Waco. We will find the best lender for your situation depending on what type of vehicle you want, how much you want the monthly payments and where you choose to go from that point. The car, truck or SUV that you choose will be submitted for a finance loan to many banks in the Waco, TX area. Some banks from Temple, TX, Bryan TX, Killeen TX and more are options we also use to finance your newly purchased vehicle.

Bad Credit Cars

If you have bad credit don't let it defer you from the easy financing you can get at Jubilee. Even if you have been turned down elsewhere when trying to buy a used car in Waco, don't let it make you worried. We have worked with many previous customers who have had repossessions, bankruptcies, divorces and other situations that simply won't allow them to buy the car or truck of their dreams. STOP! Let us help you! At Jubilee, we could care less about a credit score! Take a couple of seconds to submit a quick credit application online and see the value in financing with us - Your Waco Used Car Dealership.

No Credit Car Buying In Central Texas

The feeling you get when you buy your first car can be amazing! Remember when most of us were barely 16 and climbed into the door of our parents latest hand-me-down? It felt like freedom! First time car buying in Waco can be a little risky and un-assuring due to the lack of credit you may have. Even if you have a very qualified co-signer you can be left with a very high monthly payment. Not at our waco dealership! We understand the challenges many customers face and we want to help you get the car of your dreams!

In Review

Car buying in Waco, TX is tough. Many of us often hear that visiting Dallas, Austin or even further will help us save money on our next used car purchase. This isn't true! The best car dealership is right here in Waco - Jubilee Auto Group

Thursday, May 24, 2012

Making Good Use Of A Fast Cash Loan

Cash emergencies are something most of us face at some time or another. The car breaks down, or the kids need a quick trip to the dentist, or we run a little short of money until the next pay check. These are all common occurrences, and when they arise now we have the ability to rely on fast cash loans to see us through.

In the past some people abused this type of financial privilege and didn't use them wisely. They saw it as a means of getting quick money to perhaps use on things that were not really a necessity. As a result of this type of behavior they found themselves getting to a point where they weren't able to pay these short term loans back. This ended up with cash advances till payday got a bad rap. There were some loan lending companies such as this that didn't help much either.

You want to realize that if you are going to take advantage of fast cash loans that you first should deal with a reputable company. These are the ones that are up front about their lending rules. They are not loans that you can make use of then decide to pay them back whenever you choose. There are firm payback rules in place and potential penalties that will be imposed if you do not honor your contract. It is reasonable that these fast cash loan companies would set these types of rules. They operate on quick cash turn over therefore they need quick cash payback rules.

If you set your guidelines to utilizing these types of cash services in a responsible manner then you will always have the comfort of knowing that there is a money resource for you to be able to tap into when the need arises. Most financial institutions will not offer small loan opportunities simply because there is not enough of a profit margin in it for them. This is why in the past it has been so difficult for individuals in need of cash quickly to find a resource for it. It meant that they would have to turn to friends and family and this is an embarrassment for many.

It is wise to reserve this easy to obtain method of extra cash for when you really need it. Don't get into the habit of using it for non emergencies as this is where you will tend to be spending money that you won't be able to pay back. Find a good fast cash loan company and be content with knowing that they will be there when you need them.

Wednesday, May 23, 2012

Debt Consolidation Loans For A Fresh Start

With the blink of an eye, nearly anyone is susceptible to get behind on their monthly payments and obligations to lenders, which is when a fresh start loan can be of the maximum benefit for most borrowers. Perhaps you have experienced a recent illness, injury, or even death in the family and have gotten behind on your bills. No matter what reason you have for finding yourself in arrearage on your bills, a debt consolidation loan can allow you to pay off your existing creditors and avoid bankruptcy or even foreclosure.

Up to ,000 Debt Consolidation Loans to Pay Off Your Debts

When a borrower gets behind on their loan payments, credit card payments, or other bills, what follows is never pretty. It seems that a constant and persistent stream of calls from creditors becomes very intrusive and can be very stressful. To make matters worse, interest charges continue to accumulate on the bills that you have due, or your accounts are subject to late payment penalties or other charges.

A debt consolidation loan will allow you to put all of these dreadful circumstances into the past by allowing you to combine all of the current payments and debts that you owe into a single loan that features one easy-to-handle monthly payment that is based on your ability to repay your creditors. Debt consolidation loans are usually written for ,000 or less, but can be more depending on your particular needs and your financial situation at the time of the application for consolidation.

The process of receiving a debt consolidation loan is a streamlined and expedient one in most instances. Many borrowers are happy to find that within just a week or so, they have completed the loan application process and received funding to get a fresh start. The consolidation loan payment that you will be required to make will be less than the total of the combined payments you are making to many lenders right now, which allows you to keep more of the income that you bring home from your job to take care of the many expenses of life (without running up more credit card or loan debt).

Choosing a Debt Consolidation Loan

Debt consolidation loans can be secured or unsecured, and the type that you take can have a big impact on the amount of interest that you will be charged for the life of your loan. The secured debt consolidation loan (collateral required) is the cheaper of the two types of loans for borrowers with all types of credit. The unsecured debt consolidation loan (no collateral is required) is more expensive in terms of interest.

The secured debt consolidation loan is usually the best choice for homeowners who want to save money on interest charges. The unsecured debt consolidation loan is the ideal loan instrument for those borrowers who do not wish to risk their assets to secure funding for the loan, or for those who do not own their own home or other asset of value.

Sunday, May 20, 2012

Like To Watch Movies Online? You Are Not Alone - That's The Latest Trend!

In the digital era where we live, the previous ways of doing the situation is almost anathema. Will no longer do people actually write paper checks, instead, they swipe their credit or debit cards to keep things moving. Convenience and speed have taken the place of hard copies and slowness. This is also true when it comes to watching movies in your house. Rental houses like Blockbuster have seen a dramatic decline in their profits since movies and the Internet joined forces. Today the simplest thing to do is to watch movies online.

There are a variety of sources that permit you to see movies online. Some have the freedom and some are paid services, but things each of them have in keeping is the quick access, immediate gratification, as well as the total convenience they offer to consumers. While services that still rent physical DVD's have a wide range of clientele continue to crop up, the future of movies at home has a direct connection to the Internet. As the cost savings for places like RedBox in without having a physical store that needs maintenance and employee staffing, it pales in comparison to the number of people that can be reached online. It is getting easier and cheaper all the time, to watch movies online.

Netflix has risen to stardom although in the past because of the popularity of their streaming application. They saw record earnings this season that placed them firmly presents itself the list of the greatest money making stocks of the year. They have announced that they plan to put big money and work in the area of making more titles intended for online streaming this year. The biggest complaint that men and women have with Netflix will be the ability to watch free movies online that are newly released. Netflix knows the issue and has plans to resolve it soon.

Another venue to view movies online will come in the form of the networks themselves. It is currently common to offer full episodes online for the network's site when they have aired on television. For many people that do not sign up for the channels coming from a cost savings standpoint, should they watch the flicks online, or in this case, watch television shows online, it's going to give little cause of them to pay the exorbitant fees charged from the cable companies.

Because trend of watching movies online is growing, it is likely that people will see other venues arising to be imagined. The access most people in developed countries have to very fast internet make watching movies online much more of a reality than any other time. People are realizing that watching movies on the internet is quickly becoming the most popular way to see movies at all.

It is difficult to say the future holds for movies and the internet, but one thing that we know of is innovation and also the entrepreneurial spirit will drive innovation to the point that will make it easier and much more profitable for all involved. Should you have not done so yet, you may consider trying it in the near future. You may just get hooked enough to look at movies online from them on.

Explore the options and watch movies online. There's a chance you're surprised at the affordability, but be warned, the freedom can be addictive. As long as you're there, make sure you check out the latest movie trailers online.

The Personal Touch: A Cost Effective Christmas

According to Andy Williams, it is the most wonderful time of the year. The mulled wine is flowing, the edible delights are bountiful and family are reunited once again by the exchanging of gifts. Yet, as much as we all eagerly anticipate the coming of Christmas, there is no denying that it is one of the most stressful times of the year. We all strive to maintain the tradition of goodwill, peace on earth and kindness but with large gatherings, be it family, work colleagues at the annual Christmas party, children's nativities and carol services, we can all end up feeling pretty stretched. And this stretched feeling extends to our wallets. In the lead up to Christmas consumers statistically spend more than they would usually do, in any other month of the year. Whether it is the endless list of Christmas gifts, the outfits for office parties or the trolley load of supermarket goods, you can be sure to expect a dismal reading when January's credit card statement arrives. That day when you sit at your kitchen table staring despairingly at the inventory of festive purchases, wondering why you over do it every single year. Surely there must be a way to have a cost effective Christmas!

Mercifully, there is hope for us mere mortals! This year, with careful fore-planning and a little initiative you can indeed obtain the so desired cost effective Christmas. So let us look at the main credit card offender: Christmas gifts. These cannot be avoided and we all wish to please our loved ones with the perfect present. The good news is, these gifts can come cheap! All it requires is some extra thought and effort to end up with an original gift that will warm the cockles of any receivers heart, even old Scrooge!

The easiest and cheapest way to find one of these unique gifts is to think PERSONAL. A gift which appeals to someone's personality and demonstrates your understanding of that is always sure to be a winner. When seeking personalised Christmas gifts, you have a wide range of choice. How about a personalised box of chocolates, printed with your own Christmas greeting? Perhaps a bottle of personalised champagne! Personalised teddy bears are a great gift for the little ones, from readymade bears with personalised t-shirts to custom made bears where you can select each detail yourself right down to the stuffing! This way not only are you involved in the making of the gift, you can also control the cost! Personalised or custom made gifts for him or her, include calendars, champagne flutes, photo frames, canvas prints, photo books, key rings, snow globes, the list is endless!

In the case of those with a sweet tooth think hampers; where you can again choose the items within, regulating the cost yourself and selecting your loved ones favourite sweets and delicacies. Or for the older generation, look out for retro sweets from the 60s, 70s and 80s. Gifts like these which show your thought and input will put smiles on the faces of any receivers. Seasonal printed candy canes are cute stocking fillers for all ages, and look good on the Christmas tree!

When you give yourself enough time to really think about each person you need to buy for, you're sure to find a personal and unique gift to suit each and every one on your list. All these gifts are reasonably priced and under your complete control. Remember the key element is you! You will find that the most personal and touching gift will be the most memorable and treasured for years to come. Happy Hunting!

Tuesday, May 15, 2012

Pc Game Supply Safe

Gamers have found that some of the most exciting gaming opportunities are now occurring online. When you play online, you have the opportunity to enter a new community of other gamers.This is great for giving your life a little spice. You can communicate with people whom you never would have met otherwise.You can also develop your gaming skills by learning from new people. In order to get the most out of online gaming, however,you need to be sure that you are getting the best deals on game codes and game cards.This is where PC Game Supply safe comes in.

We say PC Game Supply safe because this is an online gaming website that believes first and foremost in safety.In other words, you never have to worry about breaches of security when it comes to dealing with this website.You will want to know first of all about the Akamai infrastructure.This is the most secure infrastructure on the market.Any credit card or other payment information you enter will be kept completely safe.You will also be happy to learn that you will be called on the telephone before your order is finalized.This is not to hassle you. It's to make sure that they got your order right.

Many online gamers benefit from the PC Game Supply safe infrastructure,but you also shouldn't forget about the services.If you need a game code,the process is easy,timely, and convenient.First, you need to enter your basic payment information. Make sure that you choose the proper game card code. You will find that there are cards for different websites,game systems,and individual games. You will then have to wait for the phone call.This will happen quickly.Once the customer service representative from PC Game Supply has confirmed your data,you will be ready to get your code online within 30 minutes.

There are many online game websites out there,but the PC Game Supply safe infrastructure and convenient ordering process make it the best on the market.In order to take advantage of these great deals, you will want to learn about the various products right away.You will find that you can choose from a number of game codes.You will also find that you have the ability to download games right from the website.Finally,if you have any doubts at all,make sure that you check the customer reviews.There will be plenty of information about the convenience and security of the process.

Monday, May 14, 2012

Raffle Ideas For Fundraisers

People enjoy getting a chance to win something, so here are a some easy fundraiser raffle ideas to boost your fundraising efforts. Your raffle can be an inexpensive ticket for a prize drawing or a 0 ticket for a big prize such as a big screen television or a new car.

The basics of a raffle fundraiser are quite simple. Your costs are limited to the ticket expense and purchasing the prizes. Oftentimes, local merchants will donate items or offer special discounts to nonprofits or school groups.

As with any fundraiser, the better the items offered, the more funds you raise. Your fundraising raffle can be of short duration or have tickets for sale for a month or more.

It all depends on how much you are trying to raise and what type of raffle you conduct.

Get Publicity
Publicity is the key element of a fundraiser raffle, particularly when offering an expensive grand prize. Issue a press release and make sure it reaches the appropriate persons at local media outlets such as newspapers, radio stations and local television.

Also get the word out through your newsletter and website as far in advance as possible. Aim to build excitement and anticipation with your supporters for the prizes to be offered.

Assign various aspects of ticket sales to as broad of a base as possible. By avoiding having one or two people try to handle everything, you'll reach a much larger number of prospects.

Door Prizes
Everybody loves winning a door prize at an event, so keep that in mind when deciding how many prizes to give away.

Be sure to sell raffle tickets at the door as that is the prime time for an impulse buy.

Keep your prize expense to roughly one-third of your projected revenue.

Automobile Drawing
A new car raffle is always a huge draw because it appeals to almost every adult. Because of the prize expense, you'll need to decide the best balance between ticket prices and total revenue.

I've seen car raffles priced anywhere from to 0 with proportionately more tickets needing to be sold when prices are lower. In this example, five times as many tickets need to be sold.

Multiple Prizes
Having multiple prizes increase the chances of winning, but more importantly, it also increases the chance that people will buy a ticket or even multiple tickets.

The psychology behind providing multiple prizes is proven to increase participation because people are more likely to consider the odds more in their favor. There is also a belief that having various prizes also increases the chance of having one that appeals strongly to almost anyone.

Among the most popular prizes are big screen TVs, CD players, iPods, gift certificates, spa visits, and weekend getaways.

50/50 Raffle
Here you are doing a door prize raffle, but the prize is half the ticket sales. It certainly simplifies things and most people like the idea of winning cash.

A 50/50 raffle works great at sporting events such as football or basketball games, but it can also be used at any type of event.

Cash Calendar Raffle
This raffle idea combines a calendar sale with a chance at winning a prize. Each calendar purchase includes a raffle ticket for a prize drawing for a certain amount of cash.

Some groups do just one prize drawing from the raffle tickets. Others offer a continuing series of cash drawings, usually on a weekly basis.

Prices for cash calendar fundraisers are often in the - range, depending on the cash prize drawing. A weekly prize of or 0 is common, with larger prizes of 0 or ,000 being offered at some stages of these fundraisers.

Raffle Ideas Wrap-up
A fundraiser raffle is a great way to raise funds, either as a standalone fundraiser or in conjunction with an fundraising event. For instance, you can add a raffle to a school carnival, a black tie charity event, or even a car wash.

The most important thing is to offer attractive prizes with widespread appeal and price your tickets to maximize total revenue. It doesn't do any good to overprice the tickets because total ticket sales will suffer. Choose the right price point to stimulate impulse buys.

Most people will make an emotion-based decision to participate and then justify it with logic, so make sure your raffle prizes seem really attractive in comparison to the ticket cost.

Friday, May 11, 2012

Real Estate Litigation 101: Resulting Trust

Unknown to even many real estate attorneys, resulting trust is a real estate litigation concept that is used when there is no express contract or other written agreement. The most common use of the resulting trust concept is when a party gives money to another to purchase property and is not on title. When a dispute arises over who owns the property, the party who contributed money towards the purchase will allege a resulting trustI paid to buy the property and you (defendant) are holding the property in trust for me.

A resulting trust arises from a transfer of property under circumstances showing that the transferee was not intended to take the beneficial interest.... It has been termed an intention-enforcing' trust, to distinguish it from the other type of implied trust, the constructive or fraud-rectifying' trust. The resulting trust carries out the inferred intent of the parties; the constructive trust defeats or prevent the wrongful act of one of them. Martin v. Kehl (1983) 145 Cal.App.3d 228, 238.

Ordinarily a resulting trust arises in favor of the payer of the purchase price of the property where the purchase price, or a part thereof, is paid by one person and the title is taken in the name of another. Id. The trust arises because it is the natural presumption in such a case that it was their intention that the ostensible purchaser should acquire and hold the property for the one with whose means it was acquired. Id.

The burden is on the party who asserts a trust to establish with definiteness and specificity the proportional amount contributed. Lloyd's Bank California vs. Wells Fargo Bank (1987) 187 Cal.App.3d 1038, 1044. California Evidence Code 662 provides that the owner of the legal title to property is presumed to be the owner of the full beneficial title. This presumption may be rebutted only by clear and convincing proof. What this means is that the person whose name is on the deed is presumed to be the owner, but the plaintiff who alleges a resulting trust can rebut that presumption by offering up clear and convincing proof that he or she is the rightful owner.

A resulting trust attempts to rebut this presumption by showing that the plaintiff paid all or some of the money towards the purchase of the property. A resulting trust cannot be enforced in favor of a person who has paid part of the consideration for the transfer of property unless it is possible to clearly establish the amount of money contributed by him [or her] or the proportion of his [or her] contribution to the whole purchase price. [Citations.] One who claims a resulting trust in land must establish clearly, convincingly and unambiguously, the precise amount of the consideration furnished by him [or her]. If the claimant does not, then the presumption of ownership arising from the legal title is not overcome and a resulting trust will not be declared. Id. at 1044-1045.

In a traditional resulting trust case, a party is not on title but contributes the money for the purchase. This can happen when, for example, the true purchaser does not have acceptable credit with which to procure a mortgage. See, In Re Marriage of Rules (2007) 154 Cal.App.4th 339.Resulting trust is an equitable remedy, meaning that the lawsuit will be heard by the court rather than a jury.

Facing SBA Loan Default? This Is What You Should Do

If you are like many small businesses, you eventually hit a financial roadblock. It may be because of the economy or because your customer's needs have changed. But while you are struggling to survive, you are not only dealing with cash flow problems but also facing SBA loan default.

If this is your case, you are not alone. Hundreds of thousands of small businesses all over the country apply for and get new SBA financing every year. And the majority of these will go out of business during their first five years. Facing SBA loan default is common.

So what should you do about it? Should you just default and not pay back your loan? After all, the SBA or Small Business Administration financially backs up all SBA loans through the bank. The bank stands to lose nothing, so why should they pursue you?

SBA Loan Default And Personal Guarantees

Unfortunately your situation is not so simple. Even though the SBA does back all of these loans, this is never enough of an insurance policy for the bank. Usually they require every business owner to put up additional collateral to secure the loan.

Try to recall what happened during your SBA loan application process. Likely before you were approved, the bank forced you to give a personal guarantee for the principal amount. This meant that you, the small business owner, had to put up your house, retirement fund or other personal asset to secure the SBA financing.

When facing SBA loan default, the bank has every right to, and will, call in your personal guarantee. You will lose your house and your personal assets to pay back the bank. Once the personal guarantee is paid, and if you still owe money, only then does the SBA backing kick in. That's it. End of story. The bank still gets all its money and you lose if you default on the loan.

So what do you do when your business is financially strapped? The most important point here is to prevent SBA loan default to begin with. If your business is struggling, it's time to turn it around. A business turnaround can get your company back on track financially. If you create and follow through on a business turnaround plan, you can make your business profitable again.

Once you are profitable pay off any SBA loans based on personal guarantees. This way you will never find yourself facing SBA loan default again.

Wednesday, May 9, 2012

The Issue Of Car Finance

When buying a new car, a common issue is the way people pay for it. Most use car finance to pay for their vehicles. If you want to make the best deal, you will have to understand car finance and the intricacies of its processes.

When buying a vehicle there are a couple of aspects people think about: whether their future car will be a new one or a used one and where they will get the money from. Regarding the money, problems can be solved by obtaining the car finance from banks, credit unions, dealerships, or auto manufacturers. However, when considering buying an old car, one has to think of the differences between car finance for a new or for a used car and its advantages and disadvantages. People tend to favor new cars. If you are asking yourselves why? then you surely heard some attractive commercials. Most of the unbelievable offers are too good to be true, but they come with extra requirements like high down payments and very high interest rates. For a good deal, negotiation is the only adoptable strategy that will make room for more advantages and less terms and conditions.

Making a loan requires a copy of your credit report and a check of payment histories. The lender will verify every aspect of your financial background in order to give you car finance. Once you have all the paperwork done, gather information, ask the dealers for the best offer and use every detail to bargain.

Pre-Approved loans are better for your car finance because you can find near market rates. Start by looking for a good sub prime lender. Search the Internet, look at closing costs, fees, compare and use the APR number to get the overall cost. This car finance can save you money.

You can also use online loan applications from car finance companies to speed loan processes. Before choosing a car finance company you should compare prices and rates. The dealer will want to make the best for him and choose the appropriate car finance company.

Try not to let yourself be persuaded to buy the dealerships finance pack when you can make a better car finance deal elsewhere. You should calculate your APR and take into account how much the car costs in cash and if you have additional rates. Also see if car finance works for you and if you agree with the down payments and closing payments. Even if it seems complicated, it doesn't have to be if you educate yourself in car finance.

Car finance is a very important part of your credit-related decisions and you should be careful not to take offers that exceed your income. If you end up in a bad deal you will waste your money on unnecessary things and your car finance will lower your budget drastically. If you try to take your car finance from a bank, the disadvantage is that banks take a lot of time to process a loan. The disadvantage in dealership rates is that they cost more overall. You can also try the Internet for online car finance deals, but the offers have to be carefully analyzed before (not to be scams). Some people may even get your car finance information and use it in their own interest. A little research about the online car finance can save you a lot of trouble. However, if you choose online lenders, you will get low interest rates and save time and money.

To obtain the car finance you are looking for, it will take some time to research and find the appropriate solution for you. You have to know exactly what you want and, after that, be careful not to let salespeople convince you into a car finance deal that you don't want. Being familiar with car finance will enable you to go out and get the beast deal for you and your family.

Sunday, May 6, 2012

Building Wealth Tips And The Right Mindset Of A Millionaire

The thought pattern of the rich is what makes them become millionaires. Though most millionaires come from very humble beginnings, the question is how they manage to overcome the odds and start generating wealth. On this article I will share with you vital wealth building tips that millionaires have in common. The first and foremost attribute of achieving personal financial success is your mindset.

We all have a passion for something and that is where you should base your life on. You are bound to succeed in building wealth when you concentrate on things you love doing. When you are passionate about something you become more innovative in that related field thus create wealth.

Some of us think that they know it all. When it comes to building wealth you need to have an open mind that is willing to learn something new every single day. Tit-bits of knowledge here and there like which company is doing well in the stock market or best online business opportunities available, contribute greatly to you becoming financially stable in the long run.

A crucial element in building wealth is setting goals. The worst thing you can do is to under estimate your capabilities thus set for yourself high goals. I like the way Oscar Wilde puts it; "Anyone who lives within their means suffers from a lack of imagination". Therefore, aim for the skies and you may just hit the clouds. For example, why set to earn million when you can decide to become 0 million richer.

It is time to change your mind set when it comes to building wealth. Convince your mind that you have the ability to achieve financial freedom and for sure you will become rich in due time. As much as generating wealth may appear as difficult, the best approach is first to work on your thought pattern.

Visit the link below and learn more valuable self improvement tips and how to generate wealth.

Saturday, May 5, 2012

Focusing On The Cost Of Living In Ajijic, Mexico

At Focus on Mexico, we get asked if it's any cheaper to live in the Lake Chapala area of Mexico, and, we always say, It depends on your lifestyle. But, as expat Jerry Draughon says on his website, I might be able to EXIST in the states, but I can LIVE in Mexico. That's how most of us feel about living in our little slice of paradise.

Talk about financial planningIn a website survey run every year in the Ajijic area, one single lady shows how she gets along on 8 a year, which includes rent of 0 per month! As she says, however, I'm proud not to be a consumer. I only purchase what I need and enjoy living a very simple and quiet life.

It's more realistic to look at the average expenses of the three single people in the survey, which comes out to be about 00 a month. The average for the three couples in the survey was about 00. However, the one thing we can say with unqualified confidence is that you definitely can live better for less in Mexico! It has been estimated that the cost of living is about 30% to 40% less than anywhere else in North America.

Do you want the same lifestyle you have north of the border? Well, your life is likely to change in unexpected, mostly wonderful, ways. When Bill and I retired here in 2004, we retired on his social security of alone. Who would imagine that after only one month in Mexico we would have a maid coming in twice a week? We owned our home, had satellite TV and Internet access, and ate very well indeed given that Bill enjoys cooking and we have an endless supply of fresh vegetables and meat, fish and poultry! Since we both had the same retirement plan in the Statesto drop dead at our deskswe knew we were living large!

If you're reading, this, my guess is that you can afford to retire in Mexico. You just want to know that others, like you, started with a dream and a budget and ended up in a truly wonderful reality.

One of our expert speakers during our Focus on Mexico 8-day Educational seminars breaks it down even further for our participants detailing her life in Colorado versus her lifestyle at Lake Chapala. Some of the costs that you might find interesting:

US Dollars:
1. Doctor's visit from -.00
2. Dental visit teeth cleaning - .00 (Crowns, around 0)
3. Hair cut for men from -.00
4. Ladies hair cut and permanent .00
5. Auto wash from -.00
6. 1-hour massage -.00
7. Pedicure or Manicure
8. Movie ticket (first-run movies in English; matinee) .00
9. Gardener .50-.00/hr
10. Maid .00/hr
11. Property taxes from USD to 0 USD a year, with a 10% discount for early payment
12. Water around a month (paid annually)

One of the best parts of living in the Ajijic area is that we do not need air conditioning or a furnace. And, generally, any expense requiring a large labor force (for instance, restaurants, construction or auto repair) is a real bargain. You'll have to search to find a first-rate evening meal exceeding USD from an incredibly broad selection of wonderful restaurantsEuropean, Greek, Thai, Italian, Argentinean and more! You want itwe probably have it here, or, most definitely, 30 minutes away in Guadalajara!

And the interesting part is that many foreigners claim their cost of living in Lake Chapala actually goes down each year. Guess why? Because the longer you live in Mexico, the more you learn to live in a peso-based economy. You're not taking that credit card out every time you turn around. You'll find that you don't miss the things you thought you would miss once you move down here. As Boomer consumers, Bill and I can definitely attest to that!

Moreover, you start thinking in more of a Mexican way. When Bill and I first arrived, things seemed a lot cheaper than what we were used to. Wow, only 0 pesos for THATlet's buy two! Just yesterday, at the tianguis, we were looking at a similar 0-peso item and I said: 0 pesos, you've got to be kidding! And, I don't know how it happened, but percentage-wise, we're saving a whole lot more than we used to in the States and even more than we were saving five years ago when we moved to Mexico!

Bill and I moved to the Lake Chapala area for the same reason most people leave back home. We wanted a lower cost of living, a temperate climate, and we wanted to leave the rat race. It's one of the best decisions we ever made. We tend now to be a little bigheaded about our decisionwhy are so many people still struggling with miserable climates, high utility and medical bills, and other services when they could live a much more enhanced lifestyle in Mexico for less? We're really trying to get over ourselvesbut it's hard!

Please join us on a Focus on Mexico program. You'll realize, after hearing our guest speaker talk about Cost of Living and Taxes, why so many people are able to move up their retirement date. Maybe you can too.

What are logbook loans?

A consumer who is strapped for cash could make a logbook loan using their vehicle as collateral for the money received in the loan. Logbook loans are loans made on a clear logbook from a car. There are a few criteria regarding the ability to secure a logbook loan, but for the most part, these are loans for people who do not want a credit check and need cash quickly.

A logbook loan will be given to a car owner if the logbook is clear. This means that there are no financial obligations attached to the vehicle. Any taxes or insurance owed on the car will need to be paid before a logbook loan can be extended to the owner of the automobile. The vehicle must also be registered under the name of the person requesting the logbook loan; it cannot be someone else's vehicle. And it must remain in the logbook loan recipient's name for the duration of the loan; the vehicle cannot be sold without first satisfying the logbook loan.

A vehicle being offered up for a logbook loan needs to be in good shape and no more than ten years old. To insure that the car is being well cared for and that insurance coverage is held on the car always, the owner must have a MOT certificate on it. Then, every three years, a new MOT inspection will take place to make sure the vehicle is up to the standards of a vehicle on able to drive on the roadways of the UK.

Besides keeping the car in good shape, a vehicle owner needs to pay all the taxes and insurance on their car while it is under a logbook loan. It will need a valid license at all times, along with insurance and the driver will need to cover any road taxes that arise during ownership of the car.

The owner of the vehicle must have a full-time job or a steady stream of income to obtain a logbook loan. This is so that the owner of the car can repay the logbook loan in a timely manor. Since logbook loans do not require a credit check, there is no need to be concerned over bad credit. These loans on the vehicles logbook are specially designed for people with poor credit or downright. It is a way for them to receive quick cash when they need it most.

Before applying for a logbook loan, a car owner needs to make sure they can comfortably pay back the funds through the payment schedule agreed on. If the monthly payments are going to be too much of a burden, then officials warn against going through with a logbook loan. However, if a car owner can fit the logbook loan payments into their budget and are in need of the cash, then this is one best way to obtain it if all the criteria are met and rules are adhered to during the loan period.

For people who need cash now, for emergencies or whatever life has thrown at them, they can obtain the money they need through a logbook loan quickly and conveniently. There are logbook loans online, through financial institutions and banks. Applying for a logbook loan is quick, easy and confidential.

Friday, May 4, 2012

Welcome To The World Of Mini Travel Trailers

There are many people out there that would love to own an RV but lack the ability to tow around a large RV. For those people, mini travel trailers may be the perfect solution. They contain many of the same features that people love about RVs, but in a much smaller and compact design. There is variety in the types of mini travel trailers available. Each different variety has its own uniqueness and the compact size makes space at a premium. Many features in these mini trailers will have multiple uses.

Pop-Up Tent Mini Travel Trailers Trailers

In the 1930's, the introduction of the pop-up tent trailers first occurred. Because of their collapsible nature, these trailers made for easy storage while still providing a good amount of space when extended. The basic models employ the use of a winch to raise the roof, while electric motors are also available. The sleeping areas or bunks can be folded out to accommodate the occupants.

Basic features found in the larger RVs are also present in the pop-up trailers. There are sleeping areas, dinette, interior lights, fresh water tanks and a DC power system. Higher end models can contain things such as a toilet, more living area, stove, refrigerator, etc.

Fiberglass Egg Campers

Easily identifiable by their distinct egg-like shape, these mini travel trailers are typically white and have rounded edges. Made of fiberglass, they definitely have one of the most recognizable shapes of travel trailers.

Standard features are pretty much the same as the basic features on a pop-up trailer. However, it does have more room and this allows for more space for features such as a full-size bed or a sofa that folds down. There is usually a dinette and side bunk providing more seating. A small galley with a stove top is typically standard. Another perk is a small toilet and shower area.

Teardrop Trailers

Like the above mentioned pop-up travel trailer, this mini trailer came out around the same time. They are much more streamlined than the others. This streamlining puts space at a higher premium.

They still contain many of the same features as the larger trailers but they are organized differently. The interior usually is only comfortable for two people to sleep. There may be a small storage area or room for a small television. Because of the condensed space, the kitchen area is located in a rear hatch that is accessible from the outside. Typically, this consists of things such as a sink, small stove, etc.

For those wanting to experience the RV lifestyle without the high cost and the wear and tear on their vehicle, a mini travel trailer may be just the right thing. Go to your local RV dealer and check out some of the mini travel trailers they have available. With many different styles, customizations and varieties, you are sure to find something that will fit your needs perfectly. With lodging problems solved, you may just find yourself more inspired to travel.

What Is Medicare Supplemental Insurance Plan E?

Medicare Part A and Medicare Part B, also known as original Medicare Part A and Part B, make up the federal government program designed to provide health-care coverage for people over age 65 and for people under 65 who are disabled or who are experiencing end-stage renal disease (ESRD) and require dialysis or a kidney transplant. Medicare supplemental insurance (Medigap insurance) Plan E is one of 12 plans designed to fill the gaps in original Medicare coverage. These plans are sold by private Medicare supplemental insurance companies.

While original Medicare Part A covers most hospital bills as well as hospice care, original Medicare Part B handles doctor's fees, medical equipment, diagnostics, outpatient care and certain kinds of rehabilitation. But there are important limitations. For example, inpatient hospital care coverage won't last forever, and once the original Medicare coverage runs out, you're on your own.

Supplemental Medicare insurance Plan E delivers all the coverage available through Medigap plans A and B. Thus, Medigap Plan E covers original Medicare Part A coinsurance the percentage of the cost of services after deductibles have been paid for which you are responsible. It also provides coverage for an additional 365 days of hospitalization after original Medicare coverage ends. Should you need blood, Medigap Plan E covers the first three pints each year. Original Medicare does not cover the first three pints.

For outpatient services, Medigap Plan E pays the Medicare Part B coinsurance, which is usually 20 percent of the cost of services after deductibles are paid. The amount is based on the Medicare-approved amount for the services. The Medicare-approved limit is the amount a service provider who has accepted assignment with Medicare can be paid. Included in the amount are any deductibles, coinsurance or copayments. Plan E also covers the Medicare Part A deductible, as does Medicare supplemental insurance Plan B. Plan A does not cover this deductible.

Medicare supplemental insurance Plan E goes beyond Plan A and Plan B by paying the coinsurance costs for a skilled nursing facility. It also provides coverage for preventive care and foreign travel emergencies. Unlike Plan C, in does not cover the Medicare Part B deductible, nor does it cover at-home recovery, as does Medigap Plan D.

All Medicare supplemental insurance companies must offer Medigap Plan A. They are not necessarily obligated to carry Plan E or other Medigap plans, and the requirements vary from state to state. However, Medicare supplemental insurance plans offered by different companies can carry significantly different price tags. Although a company carries Plan E, in other words, it could charge more or less than another company for the same coverage. It pays to shop around.

Wednesday, May 2, 2012

Aetna's Middletown Employees Will Move To Hartford In Next 6 Months

Three years of renovations at Aetna Inc.'s Hartford headquarters have all been one big lead-in to this weekend, when the health insurer will begin moving 3,600 Middletown employees to its Asylum Hill campus.

But the 0 million renovation project is still in full swing, including the installation of solar panels on the roof of the former Tower Building, at Farmington Avenue and Flower Street, and on the south side of the building, which faces I-84.

A web of blue scaffolding now covers that side of the building, and workers are installing the necessary brackets on the building's smooth granite exterior. Five rows of solar panels are expected to appear in mid-October.

"The unique architecture of the building allowed for that," said Michael L. Marshall, who oversees Aetna's renovation and construction projects. "We would never have been able to do that on the other building."

The former Tower Building now renamed the "Atrium Building" because each of its floors opens onto a large interior atrium was built in the 1970s in the Modernist style, in sharp contrast to the Colonial Revival architecture of the main building.

The solar panels will be angled upward to catch the optimal amount of sunlight and won't be visually distracting to the tens of thousands of motorists passing by daily on the highway, Marshall said.

The solar panels are expected to generate 6 percent to 8 percent of the Atrium Building's daily electrical supply. At a cost of million, the insurer estimates that it will take 15 years to recoup the cost. The state is providing a rebate of about 0,000.

Fred Laberge, an Aetna spokesman, said the solar panels and other "green" innovations in the 1.7 million-square-foot campus are intended to project an image of Aetna's corporate culture.

"It's not just the energy savings, but it's the right thing to do in terms of the green movement," Laberge said.

Since 2006, renovations have included the construction of two parking garages one replacing an outdated one that doubled the number of spaces to accommodate workers from Middletown, who will move in over the next six months.

The majority of renovations have focused on the Atrium Building, vacated by ING in 2007. ING had occupied the building since 2000, when it acquired Aetna's financial services business. ING later decided to build a Connecticut headquarters in Windsor rather than renew its lease.

Aetna subsequently decided to give the space a much-needed renovation and consolidate operations from Middletown. Renovations are expected to be completed in six months.

The campus will share a new cafeteria twice the size of the old one, as well as larger dining facilities. A new 28,000-square-foot "education center" will be used for training, a function once done in Middletown.

Most of the 3,600 employees moving from Middletown work in information technology. Of that number, 2,600 will be located in the Atrium Building; the remaining 1,000 will be in the main building, Marshall said.

Laberge said the workers who will now commute to Hartford will work schedules with staggered arrival and departure times to minimize traffic snarls on Asylum Hill. Workers are being given monthly incentive payments to car pool or use public transportation.

Aetna built its 1,000,000-square-foot campus in Middletown but later sold it to GE Capital and leased the space back. It still owns the land.

Laberge said that Aetna is in negotiations with GE over the future of the site.

The Accounting And Finance Bsc Degree At The University Of Southampton

The Accounting and Finance BSc degree course is designed so that you will study the core concepts and methods of financial accounting and management accounting across all three years, supplemented by appropriate topics from the field of finance.

In year one and year two of this Accounting and Finance BSc, you will study a range of subjects that provide support for more advanced study in the final year.

You will be given a range of options to help you acquire the understanding of modern theories and empirical evidence relating to accounting.

The anticipated destination of Accounting and Finance BSc graduates is management roles in a wide range of private, public and third sector organisations (including social enterprises), particularly the most innovative students.

A small number of Accounting and Finance BSc students may form their own businesses on graduation, or within a few years of graduating.

However, the intent of the programme is not to encourage too-early business formation, but to develop wider enterprising competencies that will enable employability in a range of organisations.

Understanding better quality venture creation should be the result for students who choose this Accounting and Finance BSc degree course.
Understanding better quality venture creation should be the result for students who choose this Accounting and Finance BSc degree course.

The University of Southampton's Management School has an enviable record for producing high-calibre graduates who move quickly into good careers soon after finishing their studies.

The latest survey of Management School graduates showed that 89% were employed or undertaking further study six months after graduating.

Employers value the quality of our programmes and recognise the skills of our graduates. Many of our graduates go on to professional training and graduate management schemes, while others begin careers in management, accounting, finance or banking.

To discover more information about the Finance and Accounting degree course at the University of Southampton, simply visit the Management School's website at