Saturday, June 30, 2012

Fixing Up Your Home And How To Finance It

When you have found your place in the world, making sure your home meets your needs and desires sounds reasonable and thus, often, home improvements are necessary. However, undertaking a home improvement project can be really expensive and thus, financing is essential. There are many financial products that can help you finance home improvements. Some are more suitable for the task than others but all of them have advantages and disadvantages.

When home improvements are necessary, the following financial solutions can provide you with the needed funds for the project depending on the amount you want: Credit cards, unsecured personal loans, mortgage loans and home equity loans. All of them (except for the credit cards) can be called home improvement loans because what defines a home improvement loan is the use that you give to the money. However, home improvement loans are usually either mortgage loans or home equity loans.

Credit Cards For Financing Home Improvements

Credit cards are undoubtedly great financial tools due to their flexibility. However, they are not particularly useful in terms of scrimping and saving. The interest rates charged by credit card issuers are significantly higher than the rates charged by lenders and thus, a 00 home improvement project can end up costing 0 more per year. However, used in combination with other financial products like home equity loans, credit cards can provide the funds necessary for covering unexpected expenses in the project or additional improvements that may rise while the original project is on course.

Unsecured Personal Loans For Home Improvements

Unsecured personal loans are perfect for home improvements but can provide the funds for small projects only. If your home improvement plans will not be that costly, then an unsecured personal loan for home improvements may be the solution. Besides, personal loans have an advantage over secured loans: there is little to no paperwork and they are processed considerably faster due to the lack of collateral.

Mortgage Loans For Home Improvements

If your property is not securing any debt, then, you can request a home improvement mortgage loan. These loans come with the lowest rates on the market. Since you already own the property, however, the interest rate will not be as low as home loans for first time home buyers which feature subsidized rates. But the interest rate will still be significantly lower than that of any other financial product.

Home Improvement Loans Based On Equity

Last, but not means least, home equity loans are the most common form of home improvement loans. These loans are based on the equity left on your property. Thus, it does not matter if you have a mortgage balance on your property, you can still get finance for your home improvements as long as the value of the property is higher than the amount of money you owe that is secured by it.

The amount of money you can obtain will depend on your available equity. However, for home improvements, there are loan options offering up to 125% financing if you have a good credit score and history. Thus, even if you have only ,000 left on a 0,000 property, you will be able to obtain up to ,000 on a home improvement loan based on equity.

Thursday, June 28, 2012

Securing Va Home Loans With Bad Credit: Making Home Buying Affordable

Retirement from military service can bring a lot of difficulties. Even when a career has ended, financial responsibilities still need to be met. With limited income, this means large loans, like mortgages, can be very hard to find. But thankfully, getting a VA home loan with bad credit is less troublesome.

There is no doubt that job security is a very important aspect of any loan application, and especially when seeking mortgage approval despite low credit scores. But, there are other aspects too, and traditional lenders are not always open to accepting the risk involved in lending to bad credit borrowers that have basically retired.

The good news for former members of the military is that competitive terms are attainable from trusted lenders through VA home loans. Of course, it is necessary to qualify for such options, and there are terms and conditions to consider too.

How to Qualify for a VA Loan

Meeting set criteria is essential when applying for any loan. For those applying for a VA home loan with bad credit, the principal requirement is to prove they are entitled to a VA supported loan. So, income and affordability are secondary, with the credit score having little influence at all.

A VA loan is exclusive to former military servicemen and women, and to the families, and is not available generally. So, former members of the armed forces, the National Guard and reservists, can qualify. The advantage offered is a greater possibility for loan approval despite low credit scores, but there are factors that can disqualify someone too.

For example, an applicant must have no bankruptcy ruling against them for at least two years prior to the date of submission, while no loan defaults should be on their record for 12 months. Also, a VA home loan must be used to buy a private residence, not a property for rent.

Proving Loan Affordability

Of course, repaying the loan in full is a core condition, and so getting a VA home loan with bad credit still comes down to the applicant being in gainful employment with sufficient income to meet the monthly repayments. Proving an ability to repay is done by providing pay slips or a bank account history. Self-employed applicants will have to show tax returns.

But more important than the income being earned is the amount of excess income there is to meet the repayments. So, the debt-to-income ratio needs to be healthy enough to allow for an extra debt. With a limit of 40% in excess income to be used for VA home loan repayments, it leaves 60% to meet regular monthly expenses. So, further financial strife is less likely.

If the repayments are more than 40%, taking out a small consolidation loan to clear some debts is one way of improving the situation. Then, getting approval despite low credit scores is more likely.

The Influence of the VA

But what advantage is there in getting a VA home loan with bad credit? And how does the loan actually work? Well, since the VA is not a financial institution, the loan itself is granted by a recognized lender.

But with VA support, the terms are typically good, with lower interest rates and better repayment terms. Getting approval is down to the lender, not the VA who view the applications after the lending institution has made their initial decision.

However, once the green light is given, the application is passed on to the VA to confirm their status. Typically, for a VA home loan, a maximum 25% of the mortgage is guaranteed, and it is this security that makes approval despite low credit scores so possible.

Tuesday, June 26, 2012

Auto Leasing Terminology

In order to get a good leasing deal, you need to understand leasing jargon. Read through this leasing glossary to get an overview of the basics:

Acquisition fee: A fee charged by a leasing company to begin a lease. Not all leasing companies charge an acquisition fee but if charge it starts at about 0 and is seldom negotiable.

Capitalised cost: The total selling price of the leased vehicle This also accounts for taxes, title, license fees, acquisition fee and any optional insurance and warranty items you elect to fold into the lease and pay overtime rather than upfront.

Depreciation fee: Forms part of the monthly lease payment charge and accounts for the loss in the value of the car at the end of the lease. The vehicle's list price minus the expected residual value at lease end is divided by the number of months in the lease to give the depreciation fee. Suppose you decide to lease a vehicle with a retail price of ,500. The leasing company estimates that after a three year lease, the vehicle will be worth 35% of its original retail value, or ,225. The difference, ,275, divided by the number of months in the lease, 36 months, gives us the depreciation fee (4)

GAP insurance Pays off the lease balanced if the vehicle is wrecked, stolen or totalled.

Inception fees any fees that are due at the beginning of a lease. These typically include a security deposit, acquisition fee, first monthly payment, taxes and title fees.

Mileage allowance The maximum number of miles a leased vehicle can be driven a year without incurring an excess mileage penalty. A typical mileage allowance is 12,000 to 15,000 miles a year, although this is negotiable with your leasing company.

Mileage charges a penalty that you incur if you exceed your mileage allowance on a leased vehicle. Typical mileage charges are 10 to 20 cents per excess mile.

Money-factor A fractional number, such as 0.00043, used in calculating your monthly lease payments. You can get a rough estimate of the annual percentage rate on your lease by multiplying the money factor by 2,400. If a dealer quotes a money factor such as 3.4 than you can get the equivalent APR, 8.16, if you multiply by 2.4.

Residual value Residual value is the amount of money the leasing company says your leased vehicle will be worth when your lease ends. Higher residual values lead to lower monthly payments but higher lease-end purchase cost if you decide to keep the vehicle.

Security deposits an up-front amount that your leasing company required at the beginning of a lease to safeguard against non-payment. This is generally refundable at the end of your lease.

Termination or Disposition fee The amount you have to pay the leasing company at the end of your lease if you decide not to purchase the vehicle.

Wear-and-tear charges Extra charges you have to pay at the end of your lease for any wear and use the leasing company considers above normal

Sunday, June 24, 2012

Why Are Online Degrees Still Subordinate To Classroom-based Learning?

Imagine you are sixteen again. Imagine you've just left school. Imagine you are thinking about whether you should go to university or start a career. Then imagine that you are living in the current economic environment.

At a time when fees for attending university are rising and accommodation costs are already the highest they've ever been, it comes as a surprise to find that university applications are only 8.7% down on last year. Consider this, along with the fact that there is b in outstanding federal student loans and a further b in outstanding provincial student loans and you start to understand that completing a degree is no longer a guarantee for future success. Indeed, in many ways, it could be the start of a downward spiral where debt obligations become overwhelming and, due to a miserable labor market, there is no guarantee that you will get a job after completing your degree.

Despite this, online courses still refuse to appeal to prospective students when they start contemplating whether to go to university. It seems that the options are either go to a campus-based university or get a job. Perhaps this is due to the fact that a recent survey carried out by the Society for Human Resource Management indicated that only 49% of HR staff felt that online courses were equally credible to degrees from traditional schools.

Could It Be Changing?

It should be noted that in the same survey HR staff indicated that online degrees were now viewed in a more favorable light than they were five years ago. This therefore suggests that there is a change underway, albeit, a very slow one. The main issue seems to be accreditation. If an online degree is accredited then it should be considered in the same light as a traditional degree, however, 45% of HR managers said that graduates with a traditional degree still have a better chance of being employed over someone possessing an online degree.

Choose Your Course Wisely

It has been argued that the course subject is central to gaining an online degree that has significant weight with employers. If a prospective student is considering a Bachelor of Psychology or a Bachelor of Criminal Justice degree, they may have more success than if they had completed a degree that would normally have a large practical element such as engineering or construction. Although it may be possible to study such degrees online many employers would still consider the graduate to be short of actual experience and would need time to get used to the working environment.

Demand From Employers

It would appear that the reason why online courses are still not being accepted as real degrees resides not so much in a lack of demand for them among those looking for a degree but among those who are forced to value potential job candidates. If there is no demand among the employers, then this filters through to individuals looking for the qualifications that will enable them to succeed in getting a job. This obviously includes the institution that the prospective job candidate attended.

It seems that until employers remove their focus on traditional degrees and embrace the new virtual educational environment, demand for online degrees is not going to outstrip traditional courses. This is despite online degrees being the preferred choice among prospective students and, in most cases, the best alternative for companies. Indeed, companies would be able to employ someone who is carrying out their studying part-time and would be willing to work for less until they are qualified. Someone would say that is for the benefit of all parties involved.

Real Estate Web Site Content Is Key To Online Success

Real Estate Web Site Content is key to boosting search engine ranking and driving traffic to your web site. The more traffic you generate the more leads you'll get...and leads are key to your success.

Additionally, quality real estate web site content generates interest in you and the services you provide. With it you can easily optimize your site to be found by Google, Yahoo and other search engines. Without it you don't even least not to the search engines!

But creating good web site content is easier said than done, as the better it is the longer it takes to produce. I know all to well from personal experience, as I've spent the last year or so reading and writing more real estate marketing reports, articles and web site content than I care to admit.

If you write your own web site content you know what I mean. Writing in general is time consuming, but writing quality, memorable copy can be extraordinarily slow. The better you want the product to be the longer it takes to write.

There are 3 approaches to writing content for your real estate web site;

1) write it yourself
2) hire ghost writers
3) buy pre written content

Write It Yourself.

If you're a good, fast writer this option might appeal to you. While you might rationalize that you can save the cost of a writer, how much will you really save when you factor in the loss of business due to engaging in non income producing activity.

When you sell homes your time can amount to hundreds to thousands of dollars an hour. You can hire ghost writers and purchase pre-written content for a fraction of that amount.

Although I write a lot of my own copy, I've hired ghost writers as well as purchased and used pre-written real estate marketing reports with a great deal of success. In fact, I now own thousands of pre-written marketing articles and reports and can't imagine doing business without them.

Hire Ghost Writers

If you've never hired someone to write real estate web site content you might be pleasantly surprised at both the quality and affordability. There are plenty of talented writers that you can hire at reasonable prices.

If you've not tried it before there are two places you can research available options; and . I've worked with two writers, one excellent and the other "ao -so". Still, I was relatively satisfied with each.

Like anything else you pay for what you get. So, if you opt for the least expensive writer you might get a product inferior to that of a more veteran writer and seasoned professional.

Buy Pre-written Content

I got hooked the first time I bought pre-written content. As you might imagine all of it isn't good, but every now and then I'll purchase something that's simply outstanding!

What's especially about the good ones is that many times they can be used "as is" for instant web site content! And when it's all said and done you'll spend .35 to .50 cents a report, verses - .00 a report that ghost writers might charge.

Summarily, if building a web site is the first step in generating an effective online presence great web site content keeps your web site visitors coming back - humans and search engines!

Saturday, June 23, 2012

Were You Surfing for the Highest Quality Lava Lamp For Sale? - Affordable Shipping

Our Website offers an extensive assortment of molten rock lamps sold in a variety of colors, sizes and styles. If you are looking for larger lava lamps, little lamps, or to decide on one more lacking question let us know what you are looking for. Together with our assortment of awards for lava lamps for sale, it is easy to enlarge your assortment of lava lamps and gifts. Hunt and see why lava lamps have been at the central point of the generations. Magma lamps have fascinated and captivated the public for decades. By combining the mellow glow of colored lights in addition to the dynamic interaction connecting lava and gravity, lava lamps cast an aura of leisure in any room. Interestingly, according to the ideology of Feng Shui, lava lamps stimulate passion. Black Lava Lamps are a good first jumping off place. You can reveal each and every one of these resources on the left part of our website. It's apparent to survey, minimal appeal lava lamps for sale can be more upset than they are worth, while a nice condition lava lamp will insert a peaceful and relaxing mood to just about any bedroom or place of work. The craftsmanship will ensure that you like your lavalamp for countless time to come. We recognize that you have possibly been shopping around and have found countless options presented, but we suggest that you give one of our products a try. We realize that you will worship the fresh area that you conceive with it.The most momentous thing to be concerned about following picking out a fresh lava lamp for sale is price. I've purchased quite a few on sale lava lamps all through the years, and it always becomes such a hassle for something with the intention of is said to produce let-up and enjoyment.

You can find every one of of these resources on the left side of our website. The most significant thing to consider after picking out a new orange lava lamp is value. I've had quite a few reduced lava lamps throughout the years, and it always becomes such a hassle for something that is projected to bring leisure and enjoyment. The metal gets intense, endangering children and sometimes making the base warp. The bulb dies speedily, meaning you have to purchase another and spend even more money. Low class lava mixes with the liquid making it indistinct over time, killing more of your money. You could pay for a cheap lava lamp from a indiscriminate store, but it will end up costing you further time, money, and stress.

It's understandable to see, minimal worth lava lamps for sale can be a headache, where a high condition lava lamp will add a peaceful and relaxing mood to your life for many years devoid of any stress. The metallic bottom is made of good quality material and constructed suitably to distribute fervor. The bulbs are energy resourceful and last longer, saving you funds and strength. Finally, the lava mix created from quality materials that are made for performance, ensuring the liquid does not cloud. Please observe these resources by viewing our homepage. You can obtain one of our cool today.

Thursday, June 21, 2012

Step By Step Home Remodeling Tips

There are many reasons when you plan remodeling your home. It doesn't matter whatever the reason behind remodeling but it adds great value to your home. The work hasn't done on your own; you simply need to hire a local handyman who is capable of providing head to toe home remodeling services.

A home renovation involves wiring, plumbing, painting, woodworking and refinishing that cannot be possible without hiring a handyman. Also, it requires enough money.

Estimate Your Home Remodeling

Numerous elements play into estimating the cost of the remodel. Before discussing the matter with a contractor, it's good to estimate on your own. Try to determine the price of supplies and tools to complete the job. Jot down a list of supplies essential for home improvement. For example, your prime focus is to remodel your bathroom; the list includes the sink, flooring, toilet, bathtub and bathroom fixtures.

Once you are ready with your list, it's good to visit a home improvement store to know the price of these supplies. The practice will give you idea about the near about cost of remodeling.

Don't forget to include unseen costs of remodeling. It's better to add 25% extra to the total sum to repair your unseen problems. For example: damaged shingles and leaking pipes need to be corrected during your home renovation whether they include in your remodeling list or not.
The job is not end here as you need to look for an expert contractor in your area.

Try to enlist at least 2-3 contractors in your list and go through their labor cost along with the list of supplies. Brief discussion is essential to ward off any doubt and to clear your material choice as that affects the cost greatly.

Calculate your overall budget and try to make every aspect cost-effective. If you do this job without taking loan, it will be highly appreciative. Taking a home equity loan needs further planning and also requires adequate time to find the lower interest loans.

Find A Trustworthy Handyman

A trustworthy handyman can bring remarkable change to your home without exceeding your estimate, but the untrustworthy contractor can be an absolute nightmare. Although, the market is filled with varieties of contractors, you will not find difficulty in getting a truthful and expert contractor. Take your time to search the best in your area.

Neither every great advertiser is a good home remodeler nor is every expert home remodeler great at advertising. Remember the quote by memory. But if you are hiring for the first time, it's good to hire from a well-established firm.

Referral from your friends, family members and colleagues can be fruitful.

Moreover, check your yellow pages, local newspaper and Craigslist to find the expert in your area. It will take time but able you to find a trustworthy contractor.

You may take help from the internet where you can find hundreds of contractors in your area with handyman services. There are sites dedicated to provide the kind of services.

You just need to select your project, enter your zip code and click GO button to find unbelievable numbers of contractors in your area. They provide estimate and the list of supplies to make your selection easy.

Once you narrow down your list to a good possibility, your job is to check their license. You can query their license at the stat's government site. Hiring without a license contractor can leave your project incomplete that is nothing less than a nightmare. License inquiry and reviews of clients are two keys to hire a trustworthy contractor.

Wednesday, June 20, 2012

Cyrus Global Debt Settlement Company

Cyrus Global -- The company that will help you get rid of the debt burden
Cyrus Global specialists have understood that in these difficult times of economic recession people need guidance to cope with debt. Therefore, they have developed valid and effective strategies, tailored to customer needs, to help them solve their financial problems quickly.
They have not designed these services to create more debt to their clients, but to ease the burden created by monthly rates and bank creditors.
The company works with leading financial institutions and makes strategic investments in order to effectively support the financial needs of its customers.
The finance specialists have founded Cyrus Global based on the results of some in-depth financial analysis on the global market.
The financial crisis has increased bank interest rates and tightened the lending conditions. Thus, many borrowers found themselves unable to pay loans, risking to lose their homes or businesses. Those who call for the services of this company will get valid information and the necessary tools to regain their financial freedom.
The company also offers customers legal protection through special insurance packages, which cover events such as bankruptcy. Moreover, this service provides qualified attorneys who will represent you in court against creditors.
The main services that Cyrus Global can provide are:
1. Debt Settlement -- it is a financial management program designed to reduce the debtor's monthly rates.
As long as the customer continues to pay his debt monthly, the creditor will not modify the rates or the interest. However, if the client ceases the payments, the balance will continue to grow due to continuing interest penalty.
At this time, customers may ask for the bank to change the loan terms, may hire a lawyer or a financial company as Cyrus Global to negotiate on their behalf.
2. Student Loan Default -- it is a restructuring program that involves changing a classical education loan with a new one, more convenient for young students.
This company promises to offer several advantages over other refinancing agents, such as faster results, reduced monthly payments, a unique lender, flexible repayment options, various deferment options and no minimum or maximum loan amount.
3. Tax Liability -- this service provides the customer a well-established payment plan to return all the state taxes.
The customer can pay all state fees in monthly installments without affecting the family budget too much. The program is a real help for customers experiencing financial difficulties and who do not want to receive sanctions from the tax authorities.
4. Credit repair -- this service helps to improve your credit score or credit history.
Cyrus Global specialists can provide vital information and real solutions to improve your credit score, based on rigorous analysis of the entire personal credit history.
It is important to know that if you have credit history, such as payment delays, for example, your score will be quite low.
If you will pay your bills on time, keep your credit card balance low and get smaller loans you will considerably improve your credit score.
Cyrus Global promise to improve your credit report through various strategies, offering a guarantee of $ 10,000 to support this statement.

Tuesday, June 19, 2012

A Magento Developer India Can Help In Building A Successful E-commerce Store

Magento is a latest open source ecommerce platform that can be customized as per your requirements. It offers flexibility and control over the functionality and appearance of an online store. Magento is the best ecommerce platform and is highly admired by merchandisers. With a good magento developers India one can built the best Ecommerce platform that helps in taking online business to its next level. Being an open source Magento is cheap and has rich features eCommerce solution that offers complete flexibility and control over the appearance and functionality of an online store.

magento development has taken on a large scale in India. Below listed are a few features that Magento has:

1.Site Management:
-> It can manage multiple stores and sites from one admin panel.
-> Supports multiple currencies
-> Supports localization
-> Upgrades with just one click
-> CMS for informational pages
->Flexible management of tax rates that supports both US and other international markets

2.Marketing promotions and tools
-> SEO friendly URL's
-> URL rewrites
-> Easy to view recently viewed and compared products
-> Upselling in shopping cart
-> Cross selling on product pages
-> Newsletter management
-> Polls
-> Bundled products
-> Discount and other flexible coupons that can be restricted to stores or to certain products and categories.
-> Auto generated site maps

-> With one order shipping can be done at multiple places
-> Tracking orders online
-> Flat shipping rates per order and per item
-> Rates as per weight of the product and destination

4.Catalog management :
-> Inventory management
-> Batch updates of products
-> Virtual products
-> Configurable as per color, size and brand.
-> Tax rates per location
-> Rewrites search results
-> Google base integration
-> RSS feed for low inventory alerts

5.Customer accounts:
-> Maintaining order status and history
-> Re-orders from account
-> Reviews of products submitted
-> Products tags submitted
-> Address book with unlimited addresses
-> Default billing
-> Default shipping addresses
-> Has newsletter subscription management
-> Order status
-> Order history
-> Ability to add comments

6.Product browsing:
-> Can view multiple products
-> Product reviews
-> Stock availability
-> Option for product selection
-> Has zoom in capability when it comes to product image
-> Upselling multi tier products

-> Accepts checks
-> Accepts money orders
-> Accepts purchase orders
-> Integrated with Google checkout
-> Credit card method for offline payments

8.Offers payment extensions to:
-> Dibs payment
-> VCS
-> Safer
-> eWAY
-> Protx
-> Cybersource
-> Cash on delivery
-> Fontis secure pay
-> Ogone payment
-> Saferpay
-> Paybox
-> Servired
-> Bank Prepayment
-> VCS
-> Fontis paymate
-> Fontis SecurePay
-> Fontis Paymate Express
-> Fontis New Zealand

9.International support
-> Multi-lingual
-> Site registration
-> Supports multiple currencies
-> Has ability to specify each payment method

10. SEO friendly:
-> Google site map
-> Search engine friendly
-> Auto generated site map
-> Meta information on categories and products.

11.Customer service:

Apart from the above mentioned features a good Magento developer India also allows one to provide the best customer service by providing features such as:
-> Order status and history
-> Customizable order emails
-> Order tracking made easy from accounts
-> Order history
-> Contact us form and much more.

Magento development India has reached to its peak levels because there are companies that have a team of Magento developer India that helps in creating striking design that helps in building a successful ecommerce store that increases online business.

Trash Removal Business Niche - Storage Unit Auctions

If you've had a trash removal business for some time, you know there are occasional days when your schedule is light and you wish someone would call with a new hauling job or two. There is a perfect sideline business for junk haulers that can fill those vacant spots in the schedule and produce some extra money. Best of all, you don't need any new supplies to perform the work. The sideline is attending storage unit auctions, and there are three ways to profit from them.

According to the self-storage industry, one in ten American households now has a storage unit. Most use a storage unit to store what won't fit in their homes. But with the down economy, more and more folks are using storage units because they have lost their home, but don't wish to give up their possessions. Others are in the middle of other life disruptions, like a move or divorce, and intend to go get their stuff when they have a place for it again. All these storage units have created a business opportunity for haulers to make money by helping move the property in and out.

The first profit opportunity is to attend storage unit auctions with your truck or van to help the winning bidders haul away what they've just bought at auction. It is quite commonplace for bidders to win more bids than they planned, and need help hauling it all away. In most states, the law, and the managers of storage facilities, require that the winning bidders clear and clean out the storage unit within 24-48 hours, so they regularly need some assistance. Also, many bidders are not aware that storage facilities will not allow them to use their trash bins for the unwanted junk. Someone must haul it away - why not you?

It's best to check in at least a half-hour in advance of a storage unit auction so you can park your truck in a visible location for the arriving bidders. This will also give you time to pass out business cards to those who may need your hauling services.

The second profit opportunity is to introduce yourself to the owner or manager of the storage facility. Let them know you're interested in any hauling they may need, as some abandoned units are full of junk, and attract no bids whatsoever! The manager still has to clean out the unit before it can be rented again, and that's where you come in. Often the storage facility managers you meet at auctions become a regular source of new jobs, as there is a constant turnover of units.

The third, and most interesting, profit opportunity is to actually compete in the auction as a. As anyone who has watched the popular TV series, Storage Wars, can tell you, competing an auction can be an adrenalin-filled activity. A winning bid can be a lot like a lottery ticket - either a bust or a treasure trove. Here are a few tips to get you set up right so you increase the odds of a bonanza and reduce the chances of a washout.

1. Your local yellow pages will have contact information for all the storage facilities, so you can call to determine when they schedule their auctions. Post all the information on your calendar or in a day-planner. You can also go online to find auctions in your area. Do a basic Google search for "storage unit auctions - your state." Another online resource,, allows you to discover auctions by zip code, with an online calendar of all auctions for the current month in your area.

2. Essential tools. Bring a powerful flashlight to scan bigger units, a bottle of water for hot days, padlocks for each unit you bid and win, a notepad and pen to record information about opening and selling bids for units and cleanup supplies, such as a broom and garbage bags to finish cleaning storage units you've won bids for.

Definitely, bring enough cash to cover your winning bids. It's amazing how many winners don't realize until they arrive that checks and credit cards are not typically accepted for payment. Include enough to cover the security deposit required in case you fail to clean out the unit after emptying it.
3. Make sure to get on the registered bidder list, if that's required, and sign a bidder's agreement.

4. You will not be allowed to go inside the storage unit, so use your high-powered flashlight to look for treasures from a distance. If you spot high-end brands, designer labels or high-quality furniture, that's a tip-off to the overall quality of the items in the unit. Bear in mind that most self-storage customers put their most valuable items at the back, so shine that flashlight deep for any visible clues!

Think like a detective when checking a unit. Usually, a tidy, well-organized unit has more potential than a junk-strewn, disorganized unit. A unit that is used on a regular basis, with trails of dust and footprints on the floor has less potential, as the tenant has likely been back to remove any valuables. If the contents are commercial rather than household items, chances are good you'll be able to make money when you sell the items, with fewer "dogs."

5. Set a limit, so you don't get mesmerized in the bidding fever and spend a lot more than you planned. It's hard to make money when you're in a bidding war with other bidders. Remember when you're bidding, that about half of the items in a common unit will be junk and need to be hauled away to the dump or recycled.

After you've observed a few auctions, your notes will give you average opening and selling bids for different size units. This is valuable information. As an example, if you know most 10x15 units start at $ 60 and end at $ 200, you may want to pass on an auction with an opening bid of $ 150 for a 10x15, unless you've spotted something truly expensive during your flashlight inspection.

6. Don't limit yourself to just one venue to sell the items you've won. In addition to the always popular garage or tag sale, try eBay, swap meet and a free ad on The more exposure you get, the speedier you can turn your treasures into cash.

7. If the items you've listed on eBay fail to get bids, pull the listing and give the item to your favorite charity or put it out at the next garage sale. Don't waste your energy trying to get a price that is unrealistic. Often a high minimum bid price is the problem, so dropping it to a bare minimum will often produce a number of bids. Your time is worth money, so price items reasonably so they will sell quickly and you'll have funds for the next auction.

Beware not to get so addicted to storage unit auctions that you forget this is a sideline, not your main business! Yes, it's thrilling to participate in auctions, but unless you are very lucky, your hourly wages will be less than you can make doing trash removal. Another warning - now and then, you'll encounter a "blind" auction. In a blind auction, the storage unit door is closed and padlocked, and bidders are asked to bid "blind." Much like a casino, the odds favor the house, so be extra careful if you encounter this type of auction

Saturday, June 16, 2012

Wonderful Neck Tie Jokes

Here are some interesting tie jokes that shall make you laugh indefinitely.

1. A man gets a new neck tie for his birthday but within a few days he takes it back to the shop. The salesperson at the shop asked him what was wrong with it he replied One end is longer than the other end.

2. A guy went into a restaurant lounge with his shirt open up at the collar and he was stopped by a bouncer who asked him to wear a neck tie in order to get into the restaurant.

The guy went to his car and looked around for a neck tie but then he found that he was not having one at that moment. He saw a set of jumper cables in the trunk so desperately he tied them around his neck and managed to tie a fair looking knot and let the ends dangle free.

He then returned back to the restaurant and again the bouncer looked at him carefully for a few minutes and said Okay you can come in just don't start anything.

3. A neck tie said to the hat You just go on a head and I will hang around.

4. A man was crawling through a desert and soon he was approached by another man who was riding on a camel so when that rider came near to him this man whispered through his parched lips Please...Can you give me water.

The rider replied him that I am sorry because I don't have any water with me but I could sell you a neck tie.

The crawling man again whispered Necktie? But I need water!

Again the riding man said There are only four dollars a piece.

The man replied I need water.

Okay two for just seven dollars.

The thirsty man exclaimed Please I need water.

I don't have any water I have only ties said the salesman and headed off into a distance.

By this time the man lost all track of time because he was crawling through the desert for many days. With clothes tattered and skin peeling under the restless sun he soon came near a restaurant. With his last breathe of strength he staggered to the door and confronted the head waiter.

The dying man again pleaded Water.. Can I get water?

The waiter replied to him I am sorry sir; our dress code requires a neck tie.

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Ethiopian Jobs And Filling Vacancy In Ethiopia

For the better part of this decade, the Ethiopian economy registered an impressive growth in many sectors, including agriculture, construction, manufacturing, hospitality and service sectors. Data supplied by the Organization for Economic Co-operation and Development (OECD) shows, between year 2003 and 2008, Ethiopia registered an overall economic growth rates of between 5 and 12% per year.

As a result of this economic development, workers in many sectors have been getting better employment opportunities than in years past, and salaries have been going up steadily. Some sectors appear to be doing better than others, including engineering, accounting, finance, and IT Ethiopian jobs. There seems to be more job vacancies in Ethiopia in these areas than in others.

As one might expect, salaries vary widely from company to company, job to job, and region to region. Most companies do not advertise what they will pay ahead of time. Typically, in job vacancy in Ethiopia, salaries are posted as negotiable and/or dependent on company scale. However, to give a very rough indication, graduates in IT and Engineering with 2-3 years of experience may expect, on average, 3000-4000 ETB (300-400 USD) per month. Workers with longer experience and/or higher degrees may command more money.

Although there are a lot of people looking for vacancy in Ethiopia, some companies may find it difficult to get the right talent to fill their job vacancy in Ethiopia. This is primarily due to lack of experience of candidates in certain areas such as IT where the required expertise may be in short supply. Another issue that foreign companies in particular will find frustrating is the lack of strong work-ethic on the part of Ethiopian jobs workforce. In a recent survey conducted for World Economic Forum, poor work ethic in national labor force was ranked among the top five biggest problems in doing business in Ethiopia. Hence, companies may need to put considerable resources to train their workers in all aspects of their business so the employees do their job satisfactorily.

If you have job vacancy in Ethiopia or you are a job seeker and looking for Ethiopian jobs, please visit Ezega Jobs, the leading site for Ethiopian jobs and employment in Ethiopia. It lists thousands of Ethiopian jobs from all over Ethiopia.

No Telecheck No Teletrack Payday Mortgage - Poor Credit score, Pending Loans - No Trouble!

You are in search of people loan companies which may well give you finance without performing credit score checking activities. Otherwise it may perhaps bring about barrier to the straightforward finance, which you do no want to have. If you are possessing poor credit score then you must not be be bothered, because there are plenty of institutes which are especially designed to provide you finance even in negative credit score instances. There key coverage is no telecheck payday loans.

The no teletrack payday loans scheme is a tariff which can meet all conditions in quickest probable time. If you are a low credit score scorer, then it is not any floor to deprive you of good finances. The US revenue lenders fully grasp what psychological worry ordinarily runs via your system specially in bad credit situations. It considers most this circumstances in meeting monetary emergencies when you do not have adequate funds. Under this scheme you are making the most of:
?Initially, loan companies will not go as a result of your credit score place.
?2nd gain is its online treatment.
?3rd, there is no have to have to wait around until payday.
?Fourth, you will be charged quite low price of interest and extremely small processing charges.

According to this bilateral arrangement amongst you and financial institution, you are not supposed to pledge or any variety of mortgaging. You have to fill a prescribed sort in which some characteristics are quite crucial. For example: you need to be 18 a long time or extra you are US citizen your existing earning is reasonable enough to repay your overall advance very well in time, like 1500 US bucks at minimum you are owning valid checking bank account

If poor credit is stopping you from taking refreshing loans for emergency functions, then no telecheck no teletrack payday mortgage is the alternative to your issue. You may have landed in a circumstance the place you are not ready to clear off your financial debt and are still in require of number of hundred bucks, these conditions can happen anytime as one cannot always approach for emergencies. The no teletrack payday mortgage arrives as a blessing in disguise for you if you are not in a position to safe loans from banking institutions and money institutions.

Telechecking And Its Effect On Mortgage Approval

Telechecking is a economic services firm which can reveal a person's monetary status. It examines your credit score ratings, negative credit heritage, pending checks, exceptional loans, bankruptcy applications etc. If you don't want to reveal these details, then go for the no telecheck no teletrack payday mortgage. Other payday loans will use teletracking and they may possibly not approve your loan application.

The method for the no faxing no teletrack payday mortgage is very uncomplicated. You can search for the corporations who present this sort of loans online and visit their web pages. Then ask for totally free quotes, review them and know about the repayment schedule. Soon after you settle with a corporation to decide on for securing the payday mortgage, you will have to fill-up an application sort.

Quick Method Of Securing Loans

Considering that you need to have not mail fax loads of paperwork and teletracking is not carried out, the rest of the practice is very rapidly.

Friday, June 15, 2012

Assignment Of Mortgage Debt

A very popular technique for selling a property quickly is to sell the property "Subject-To" the existing financing. This is a variation of owner financing wherein in the transaction the seller makes an assignment of motgage debt to the buyer and also deeds the property to that buyer. The buyer then begins making the payments on the loan either through a note servicing company or directly to the lender themselves. Once the transaction closes the seller is no longer involved with the property. This type of transaction is very similar to a mortgage assumption; however, technically, it is not an assumption, because the original loan is still in the seller's name.
It is important to note that almost all loans in recent years are not assumable.

Example Assignment of Mortgage Debt:
Home value: 0,000
Existing loan amount: 5,000
Cost of sales: ,000 (this is typical for this value of home)
Sales price: 0,000
In order for this home to be sold through normal means, i.e. with a REALTOR, it would have to be sold for 5,000 or more to pay off the existing loan amount and closing costs (i.e. REALTOR fees, seller concessions, etc.). By using an assignment of mortgage debt, the original owner is able to sell the home to a new buyer for 0,000 with very little closing costs, title insurance and a few other small fees paid for by the buyer.

Advantages and Disadvantages of Assignment of Mortgage Debt
The benefits to using an assignment of mortgage debt are that the buyer does not need to qualify for a loan through a bank, pay for any appraisals on the property, there are no loan origination fees, and there are typically no loan application fees. These savings make a tremendous difference in the transaction and thus make it much more affordable.

The disadvantage to an assignment of mortgage debt is that the original loan remains in the name of the seller. If the buyer were to default on the loan, it would in turn affect the seller's credit. If you selling a property this way, you will want to do your due diligence on the buyer to make sure they have strong financial credentials.

Thursday, June 14, 2012

Piaget Luxury Watches

Both men and women are engaged with design as well as overall look and the wristwatch that you slip on might be either a match or a powerful insult to your own sense of taste. Truth be told, your wrist watch is your greatest accessory. Deciding on the best luxury watch is simply not nuclear physics, but it really takes a lot of thought as well as planning. The ideal wristwatch does not only provide precise as well as reliable time-keeping, but in addition helps to full-scale the style of your suit. Since it is a powerful accessory, consider the luxury watches from Piaget. Here are several questions you might like to consider, prior to you start looking for your Piaget watch:

1 Exactly where are you going to use this item? Many people keep these models saved away for a big day like a concert, though others would like to have on their high class pieces daily. Consider; is it an occasion watch or simply a regular one?

2 Just how much you have to put in? The cost is a large consideration and also 1 you must determine in advance. It makes simply no sense to get turned on over a Piaget watch that you really can't buy. Remember the fact that the price level isn't the pointer of top quality in all scenarios. If you're a informed customer, you can actually leave with a extraordinary wrist watch that's affordable.

3 Are you interested in a genuine piece? This ought to not even be described as a question, yet it's well worth commenting on. Luxurious wrist watches just like Piaget watches are a smart investment. You don't want to even think of getting a imitation or replica if you can get hold of the real thing. Do not waste a cent over a replicate model, it's only not worth it once you can get yourself genuine models, that can last longer than every low-priced imitation.

Only after you've resolved all of these concerns you ought to seek out your own Piaget wrist watch. There are plenty of models to pick from so spend some time although you may spend a long time and even days seeking out the greatest one. The Piaget luxury watches are in large numbers in shops so almost certainly you'll find it difficult choosing the ones which fits your character. Internet watch stores are numerous and costs are fine, but take extreme care when looking for something on the internet. Make sure you are dealing with a highly regarded merchant and that you know about all of their coverages about all producers and not only Piaget.

Wednesday, June 13, 2012

Legitimate Payday Loans On The Web With No Credit Check

With an internet planet that may be so complete of scams, hype and gimmicks it can be challenging to search out legitimate payday loans on the web. If you require cash for one thing that you just have to pay, you don't have time to waste with scam websites and gimmicks. It is a large waste of time to have to go as a result of the net attempting to locate a legit payday loan.

The superior news is the fact that there is a genuine loan business or two on the web that will provide you with a legit payday loan devoid of the have to have for credit check. There's no credit examine whatsoever. All you may have to have is actually a job which is an approach to pay the loan back. There is not even any qualification other than acquiring a job and becoming over age 18. Getting over 18 is because you can not enter into any type of loan agreement unless of course that you are of legal age.

Some individuals get frustrated that some Internet sides say the need to possess a checking account. That is actually not even true and no checking account is definitely required with any legitimate payday loan corporation. They are going to ask you and tell you that you just must have a checking account, unquestionably.

The cause that they say you've to have a checking account is for the reason that if your payment bounces they are extra most likely to get their income, even so you will get an insufficient fund charge out of your bank if you do not have the revenue inside your account for the payment. If you use a checking account, then there exists no kind of overdraft protection and also the payday loan corporation is less most likely to obtain their funds for the payment in case you do not have it in your account.

There is certainly in reality no way for a payday loan firm, insurance coverage provider or anybody else for that matter, to have the ability to distinguish in between a checking account number plus a savings account amount.

You will discover legitimate payday loan firms on-line that may assist you to. In the event you want revenue now, you will get up to 00 in money revenue deposited straight into your bank account. All you've to have the job, be over 18 and be you say you might be.

If you're in need to have of extra money till pay day, you might wish to take into account applying for a pay day or check loan on-line. A pay day loan might be obtained on the internet and with no credit check. Poor credit is not going to disqualify you from qualifying for a pay day loan. You could use the funds for what ever objective important and also the dollars can usually be deposited into your checking account the incredibly same day you apply. All you will need is a checking account, as well as a steady source of earnings and you can get as much as 1000 dollars or a lot more deposited straight into your checking account.

A pay day loan is intended to fulfill your short-term monetary demands and should not be employed as a typical lending supply. The fees charged for pay day loans is often greater than a conventional loan out of your bank and really should only be employed to resolve temporary or emergency economic crises.

Repeatedly obtaining pay day loans can expense you a good deal of funds should you extended your pay off date many times or in the event you continually borrow against your next pay examine. If a brief term pay day loan will be the greatest selection for you, you'll be able to be approved and have up to 1000 dollars or additional deposited into your checking account occasionally as soon because the pretty identical day you apply.

Pay day loan interest rates vary from corporation to firm. Some lenders supply discount rates for new or returning buyers. Immediately after supplying the pay day loan organization using the required info, commonly your name, address, employment and banking information and facts, you can be approved in as tiny as one hour along with the funds can often be inside your checking account the incredibly identical day. Occasionally you could be needed to fax your final pay examine stub and bank statement prior to approval, but the funds can nevertheless be deposited into your checking account pretty quickly.

Negative credit should not quit you from applying for a pay day loan. There is going to be no credit verify, only the verification from the info you provide. Pay day loan businesses tend not to check your credit report or speak to your employer, except as vital to verify employment. Applying and obtaining approved is speedy and convenient. On the net lenders can approve you application promptly and you are going to have the money you may need as soon because the really day you happen to be approved.

How Home Loans With Bad Credit Are An Affordable Option

It is only logical to assume that mortgage providers and lenders would be reluctant to lend to bad credit borrowers. A typical home can cost as much as 0,000, and granting such a large home loan with bad credit is a major risk. However, even borrowers with very low credit scores have funding options.

The effects of the poor economic situation this country finds itself in has largely been detrimental. Many have lost their jobs, or seen their income fall dramatically. The result has been to miss repayments and default on loans, earning honest borrowers low scores.

In a way, this has been a plus for bad credit borrowers everywhere, with mortgage approval despite poor credit ratings now more common than ever before. But why is this? Well, there are more options available now, not just the FHA home loans that have served the public well for decades.

The Impact of Worsening Credit Scores

But just how damaging is a poor credit score? When it comes to securing a small personal loan, not very much. In fact, most lenders ignore the scores completely. But when it comes to getting a home loan with bad credit, it can be very damaging since the debt is larger and the impact of a higher interest rate much greater.

Low credit scores fit within a certain bracket. For example, while 700 and more is considered a good score, an applicant with a score 650 is considered to have bad credit. Over the course of a year, it is not hard to see a score fall from 650 to 550. This is where getting mortgage approval despite poor credit ratings is so useful.

However, be prepared to accept certain compromises in order to secure a home loan from a regular lender. These can include a higher interest rate and a longer repayment term. While a longer term makes a mortgage affordable, it also means a much more interest is paid over the lifetime of the loan.

Advantages of the FHA Option

The best option for anyone seeking a home loan with bad credit is the Federal Housing Administration (FHA), which provides more affordable loan terms for people already in tight financial situations. These mortgages come with certain advantages.

The most obvious is the opportunity to secure mortgage approval despite poor credit ratings, but this is possible only because the FHA provides assurances to the lender. FHA loans are granted by normal lenders, but with government backing, the interest charged is lower.

Basically, insurance and closing costs are provided for, so the FHA home loan is a more affordable option. However, the negative aspect to this deal is that the properties are within a strict price range and real estate agents have to be FHA approved.

Qualifying for FHA Home Loans

Of course, it is also necessary to qualify for FHA mortgages. The program itself is not open to just anyone, with applicants requiring a score of no less than 560 to be considered. It means that getting a home loan with bad credit is limited to those with reasonably low scores.

Other criteria to satisfy include that the applicant must already have paid rent or mortgage repayments for at least 12 months, and must have an existing credit history that includes 3 types of credit deals, also over at least 12 months. If there are any judgements to speak of, then these must all be paid up and clear.

Once these are confirmed, securing mortgage approval despite poor credit ratings is that bit closer. However, be sure to speak to an experienced mortgage provider for any further information. They will reveal the full scope of home loan options available.

Tuesday, June 12, 2012

Benefits Of Sweat Equity

We paid ,000 for a fixer-upper 3 years ago. We put ,000 into it. 3 months ago, it appraised for 1,000. Magic? No, Sweat Equity!

Financial Benefits:

Sweat equity isn't just for resale value. It also helps with refinancing. That ,000 I mentioned in the last paragraph was all on high-interest credit cards. When our renovations were complete, we refinanced our home and paid off all of our credit cards, reducing our monthly payments by 30%. That still leaves us with 50% equity in our house.

When you have a mortgage, you want at least 20% equity in your home. Not only could this make a difference in your interest rate, or even just qualifying for a loan, but having 20% equity should eliminate that nasty little PMI (Private Mortgage Insurance) that nibbles away at your principal payment each month, if you have a 90% or 100% mortgage. A few good sweat equity projects could be just what you need to refinance your house and get a better deal. Note: be sure your renovations are 100% finished before trying to re-finance. Appraisers don't want to see any work in progress.

If you have a good 1st mortgage, no second, and carry any other kind of debt, like car payments or credit card balances, sweat equity can help you qualify for a home equity line of credit. We found one with Bank of America (who holds our first mortgage) with no fees of any kind. It's completely free unless we use it. If we don't use it, we pay nothing, just like a credit card. Now, if we need a new roof or a new truck, it's already financed, at a low rate of interest, which is also tax deductible. If you like your new mortgage company, a good plan is to make 3 or 4 payments on time with your new loan, then apply for the line of credit. This way, they still have current credit and appraisal information to make the loan process go more smoothly. Ours was handled with just a couple of phone calls.

The psychic rewards of sweat equity:

Being able to show off a home improvement project that you did with your own two hands, is a great feeling. Not only will you have the satisfaction of accomplishing something, but the results will be unique. Your project will never turn out exactly the same someone else's.

Another benefit is having something custom, so the result enhances the original space, accommodates your furniture or collectors' items, and compliments your taste. One of our favorite projects was adding custom cabinets to a finished garage. Instead of trying to squeeze our treasures into pre-existing cubbyholes, we measured our stuff and built the cabinets to suit. Then we truly had a place for everything and everything in its place.

Finally, you'll get to enjoy the results and know that the project cost way less than if you had hired someone else to do the work. If you're on a budget, this could mean the difference between having what you want and doing without.

How to Pre-Qualify for Auto Loans?

Extremely high payments will worsen your financial conditions where it will lead to defaulting every month. This will further impact the credit score and so it is important to find a way exiting this immediately. If this proves to be a second collapse, the impacts could be even worse. If you have the desire to buy your dream car but short of funds, getting auto loans is a wise option. However, make sure to have the financial background to repay the amounts promptly on getting the loan. As explained above, a collapse would have adverse impacts on the credit history.

Do not bother if you have a bad credit rating and still in need of an auto loan. There are several lenders ready to offer loans to this category of people. However, this will be offered at slightly higher interest rates considering the bad credit rating. This can be compensated by paying a hefty down payment or offering collateral security. Is there a way to secure your dream car without any of these problems? "Pre-qualified auto loans" is the key solution to avoid all these hassles in the process of applying auto loans.

Prior to applying for pre-qualified loans, it is important to understand several financial aspects. The individuals should have a good credit rating and other existing loans should have been repaid promptly. Pre-qualified loans have several advantages and give a free hand to borrowers in selecting the deals. They need not be worry about the prices of car. As they know the amount of loan is approved in advance, they can look out for cars that come within that range. They can also offer to pay extra amount in addition to the loan amount to buy their dream machine. Now the big question comes!! How to pre qualify for auto loans?

Improving debt to income ratio: This is calculated by adding the entire debt payment of the borrower and it has to be divided by the total amount of living expenses plus debt on a monthly basis. The ratio should be less than 40% of his total salary amount.

Affordability: It is important for the borrowers to afford the monthly payments on getting the loan approved. A rough estimation on the expenses and income will give a fair idea on the affordability concept.

Down payment: It is always recommended to pay a good amount of down payment that comes from borrower's pocket. This will prove the credibility and reduce the loan burden. On the other hand, the borrower will have higher loan tenure and end up paying more interest. It is good to contribute at least 15% of the car value to be on the safer side.

The above said factors will be of great help in getting pre approved auto loans from any kind of lenders. These factors will also help the borrowers to get loans at cheaper interest rates.

Sunday, June 10, 2012

Advantages of Low Interest Debt Consolidation Loans

You may use a debt consolidation loan to merge or combine your debts into a single payment or repayment. To gain the optimal benefit from a debt consolidation loan however, you will need to look for some low interest debt consolidation loan options, that may fit your specific situation and needs.

A low interest debt consolidation loan will make more of your funds available to you, it may also make your repayments much more affordable too. A low interest debt consolidation loan may also help you to pre-pay on your loan principal, reducing your debt at a much faster rate.

You may get a debt consolidation loan by either applying for a secured or unsecured loan. With a secured loan you can use an asset like your home as collateral/security for a loan, or you may choose to get an unsecured loan without collaterals. A secured loan may be easier to get than an unsecured loan, and the interest rate for secured loans may be lower too. The downside of a secured loan though is, you may lose your collateral, if you fail to pay back the loan, or are late on your repayments.

If you are a homeowner, you may use your home to get either a home equity loan (HEL), home equity line of credit (HELOC) or cash-out refinancing. HEL and HELOC involve using your home equity (that is, the percentage of your home that you own) to get a line of credit, HEL is a lump sum while HELOC is an open credit you may draw on at varying times. Cash-out refinancing involves taking a new mortgage that is bigger than your original mortgage, on your home, and then using the difference between your new and old mortgage value, to pay off your debts. To use cash-out refinancing, your home value will need to have increased from its original purchase price, to provide you with a large enough difference to pay off your debts.

You may also choose to take a personal loan if you don?t have collaterals, or if you do not wish to use your home as security for a loan. You will need to review each type of loan and do some comparison too to get a low interest debt consolidation loan for yourself. You will need to add up the total costs of getting each type of loan, not just their interest rates, to know how much you will be paying or saving in the long run. You may shop around and compare different loan rates and costs, to get the best deal.

Though it is very important to research your options while shopping for low interest debt consolidation loan services, before you take up any loan offer however, or use any type of debt solution, you may want to go through some free credit counseling first. A free counseling session (not a program or plan, just some free expert advice service) can help you to determine the best solution for your needs, which may not necessarily even involve, getting a debt consolidation loan, most especially if you are struggling with debts. Reputable and certified credit counselors can help you to determine and know if a debt consolidation loan, or some other type of debt resolving strategy and mix, are the best solution for your debts. With this, once you understand what your best solutions are, after some counseling, you may then do some additional research on the options presented to you by your counselors. You may get some free and no obligation credit counseling from government bureaus and agencies, and/or reputable credit counseling firms.

Types Of Consumer Loans

As we mentioned in previous articles everybody knows that banks are a major consumer lender, they represent over 70 higher than prime rate) due monthly with the condition that the lender has the right to recall a demand loan at any time.

5. Installment loans
Installment loans offered by financial institutions to borrowers with certain conditions such as a set interest rate, a maturity date, a repayment schedule, and certain security requirements.

I hope this information will help. If you need more information, you can read the complete series of the above subject at my home page:

ACS Student Loans

An ACS student loan is a loan that is serviced by the Affiliated Computer Services, Inc. It is a company known for outsourcing technology and business solutions. Universities across the country use the ACS student loan services because of the company's reputation for using technology to effectively handle some of the more difficult aspects of loan services.

ACS student loans allow students to make payments online, instantly be able to see the status of an account, make changes to personal details such as name and address, and also to be able to receive email notifications when a payment has been processed.

Many different programs for financial aid fall under the heading of an ACS student loan. One of the major ACS student loan groups is the Campus Based Student Loan Program (CBSL), which includes Federal Perkins Loans, Nursing Student Loans (NSL), and Institutional Loan Programs, among others. Another major group of educational loans handled by ACS is the Federal Family Education Loan Program (FFEL), which includes the Stafford (GSL) Loans, PLUS loans to parents of students, and loan consolidation services. ACS also has the ability to handle many other groups of educational loans donated by a variety of private companies.

For those who do not already have an ACS student loan, applications and guidelines for different financial aid options are available online. The ACS website gives a clear example of how to fill out a Free Application for Federal Student Aid (FAFSA) form, and demonstrates what the results mean in terms of your eligibility for financial aid. Furthermore, applications for both Stafford and PLUS loans for parents can be found on the ACS website, and can be completed and sent in online.

If you are the holder of an ACS student loan already, you may be interested in knowing about the benefits of student loan consolidation. The ACS website provides information and application forms that could help you lock in a lower rate and reduce your monthly payment amount.

Some other tools that can help you with your ACS student loan are a repayment calculator, guidelines from the IRS about how to use your student loans for tax relief, and a glossary of important student loan-related terms.

All in all, an ACS student loan is one that will give the borrower plenty of ease and flexibility when it comes to loan servicing from application to repayment and consolidation. ACS works with a number of universities across the United States, including the University of Pittsburgh and the University of Vermont. Even if your specific university does not offer student loans handled by ACS, their website is a treasure trove of helpful tools and information, and well worth a look.

Friday, June 8, 2012

Why Trade Leveraged And Inverse Etfs

What are Exchange Traded Funds?

Exchange Trade Funds (ETFs) are cousins of mutual funds. They correspond to baskets of stock that are bought and sold like stocks. Generally, there is a one day delay after a sell order is placed on a mutual fund; ETF sell orders are executed immediately during hours. During a market crash this difference could be significant. There are other advantages. Except for brokerage fees for trading ETFs, there are none of the maintenance fees associated with mutual funds. Also, there are no loads [penalties] associated with opening a mutual fund account.

What is a Leveraged ETF?

Over the past few years, a new class of ETFs has emerged - leveraged ETFs. To help you to understand leverage, let's use an example: Let's say we have two equities, ABC and XYZ. For every change in the price of ABC, the price of XYZ changes double the percent move in the price of ABC. If ABC were to change 5% then XYZ would change 10%. Notice this does not imply if ABC were to change by one dollar that XYZ would change by two dollars. It's the percent change that matters, not the dollar amount.

In the past, it was common for investors to employ margin in their NON IRA accounts. You are not permitted to use margin in an IRA account. Margin let's you borrow money from your broker at a percentage rate. Once the margin account is opened and operational, you can borrow up to 50% of the purchase price of a stock.

Here's an example. Let's say you want to buy ,000 worth of Company A stock, 50% of it on margin. That means you need to have at least ,000 cash in your account, allowing you to borrow the other ,000. Just like a bank, your broker will charge you interest on the loan. Rates vary between firms and can depend on the balance in your account as well as the current interest-rate environment.

In the past you had to use margin in order to obtain leverage in your NON IRA account. Leveraged ETFs are structured so that no fee is involved. Generally, when you find a leveraged ETF its underlying ETF is a broad-based index.

For example, SPX is an ETF that represents the S&P 500. SSO also represents the S&P 500. However, it is leveraged 2:1 compared to SPX. That means that if SPX goes up 2%, then SSO goes up 4%. You get the leverage you are after without borrowing from your broker. Additional fees are not incurred. Furthermore, buying these leveraged ETFs is allowed in an IRA account.

This chart compares the ear-to-date performance of SPX versus SSO. SPX has a gain of 3.77% while SSO has gained 8.13%.

Another example of a leveraged ETF is UWM. UWM moves twice the percentage move of IWM. By the way, IWM is the Russell 2000. The Russell 2000 is made up of two-thousand stocks and represents a broad portion of the stock market.

Want more leverage on IWM? Buy TNA and get three times the move of IWM.

What is an Inverse ETF?

Another new class of ETFs has emerged, called inverse ETFs. An example of an inverse ETF is TWM. TWM represents the Russell 2000 but it moves inverse to IWM. For example, if IWM goes DOWN 2%, then TWM goes UP 4%. Now you can play a down market even in your IRA

This 3 year chart displays the leveraged UWM with its inverse TWM. When one goes up the other goes down.

Want more inverse leverage? Use TZA. TZA is an inverse ETF that represents IWM, (Russell 2000). If IWM goes down 3%, TZA goes UP 9%. During the market collapse in 2008, those who held TZA made a fortune.

Why Use Leveraged and Inverse ETFs?

You might think trading leveraged ETFs is dangerous. However, as I mentioned above, they correspond to broad-based indexes. In comparison to trading stocks, these are much better behaved. Even stalwart stocks like GE have lost fortunes for their investors over the past few years. There are dozens of stocks that we all know which behaved similarly. Buying stocks means that you have to be a good stock picker.

How many of us are good stock picker's? I know I'm not. Usually investors pick stocks because of company news. Unfortunately, by the time you learn the news, half the world already knows about it. Of course, you can make a good profit by choosing a winner. Instead, many prefer leveraged ETFs, both for their safety and profit potential.

The government discourages investors from shorting the market. In a down market, those with retirement accounts had only two choices: either staying cash and be protected or hold your investment and watch its value diminish.

Inverse ETFs solve this problem. In a falling market you can close your long positions and buy inverse ETFs like UWM.


The most important reason for trading in bear markets has to do with compounding. To keep things simple, let's assume the market is bullish half the time and bearish half the time. In addition, assume we gain 5% in consecutive periods. The net profit if you had only traded in the bull market would be 5%. However, if you had traded in both periods your net profit would not be 10%. It would be 10.25% because of compounding. Over time, the small difference would become significant.

How to Trade Leveraged and Inverse ETFs

I use three guide posts to trade these ETFs: a good market timer, an entry condition to ensure the ETF is moving in the same direction as the market and sound money management. Collectively, these three principals have eliminated draw-downs associated with leveraged ETFs. As a result, I've been able to sleep well at night while generating good profits during the day.

You can tell by these charts that leveraged ETFs are significantly more volatile than their underlying broad-based indexes. You will not succeed if you try to apply your trading strategy to them. Instead, keep applying it to the index. Simply trade the leveraged instead of the index.

Tuesday, June 5, 2012

Easy Formula For True Cash Flow After Tax Deduction Or After Tax Cash Flow

Cash flow formula makes it easier to determine whether a rental property is worth buying. Uncle Sam is kind enough to give you as a rental property investor a great deal of tax breaks by allowing you to deduct your rental property's operating expenses and mortgage payments. Even better, you can deduct depreciation, a "phantom" expense that does not actually occur.

The cash flow formula is, Rental Income - Operating Expenses - Debt Payments. However, your TRUE cash flow is calculated by adding back the tax saving Uncle Sam graciously gives you. Your tax saving is as a result of your rental loss deduction.

Cash flow formula:

Rental Income - Operating Expenses - Debt Payments

True cash flow formula:

Rental Income - Operating Expenses - Debt Payments + Tax Saving

Let's continue with an example, a 0,000 single family house with 0,000 loan amount at 30 year 5.5% interest rate. That means debt payments of ,176 annually.

For ,000 monthly rent, that is ,000 annual rental income. You can reasonably factor in the vacancy rate depending on the rental market. Let's assume 7% vacancy rate, this yields ,160 (,000 x 93%) annual income.

Operating expenses are the necessary expenses paid in order to operate the property. Such expenses include property tax, insurance, and repairs. A reasonable figure for this property is ,000.

With all these numbers, we now have a negative annual cash flow. However, a tax saving can put us back onto the positive cash flow track.

Tax deductible rental loss formula:

Rental Income - Operating Expenses - Debt Interest Payments - Depreciation

Tax saving formula:

Tax Deductible Rental Loss x Your Federal Income Tax Rate

In this example, rental income is still ,160 and operating expenses are ,000.

Mortgage payments usually consist of principle and interest payments (P+I), unless you have an interest only mortgage. The lender will provide you a 1098 form containing the mortgage interest amount for your tax purposes. This amount is gradually decreased as the mortgage term matures. Here we use ,560, the first year interest payment amount for our example.

Depreciation is a phantom expense that is not actually paid out from your pocket. The IRS rule states that the life of a residential property is 27.5 years, and only buildings rather than land is eligible for depreciation. The value of land and building ratio is usually 1:4. So the building of our 0k single family house is worth 0k. Divide 0k by 27.5 and you get the annual depreciation of ,364.

Federal income tax rate varies by individual but a good estimate is 30% in most cases.

With these, the tax deductible rental loss is ,764. (Rental income ,160 - Operating expenses ,000 - Debt interest payments ,560 - depreciation ,364). The tax saving is 9 (,764 x 30%).

As you can see, this turns your annual cash flow from - into positive 3.

We also covered a very simple cash flow formula BEFORE tax deduction in another article "Easy Formula for Rental Cash Flow".

Make Money Online Fast by Selling PLR Products

Are you searching for ways to make money online with eBooks? You can find much information on various websites today about using PLR or private label rights products to produce your own eBook. Discovering methods to grow online sales with PLR eBooks is possible without even having to spend a lot of cash. This is good news if you are an internet marketer. Here's how:

First things first

If you want to make money online, the first thing that you have to do is to make your own eBook from PLR eBooks and market it, or create eBooks yourself and market them to resellers. You have to know that searching for excellent markets is crucial for you to reach your goals.. It is wiser if one will make a thorough evaluation and analysis of the prospective market where you want to sell your PLR eBooks through excellent marketing techniques.. When you have located a great market, you have to know how to write and produce your product. (You have to spend [ a lot|a considerable amount] of time to [create|make|produce] [great|excellent|top notch] eBooks.~[Creating|Making|Producing|Putting together] a [top notch|great] eBook on your own can take [a lot|much|an immense amount] of time} You need be thorough, careful, and methodological to make a great eBook. You will discover yourself writing and rewriting many times over if you are to create an eBook worth reading let alone purchasing. Many internet marketers do not have the time or skills to create their own online product. So you can spend months trying to put together a product yourself, or buy a PLR eBook or some other PLR product and begin marketing it as soon as possible.

So What Exactly is PLR Anyway?

PLR products come in many forms such as PLR videos, PLR articles, and PLR eBooks. With private label rights, you have the right to take any of these digital products as they are and claim them and sell them as your own. You may even change the PLR product in any way you desire. As you can imagine, making eBooks becomes much easier and s less time consuming when using PLR eBooks. PLR eBooks expand websites and give the purchasers of the PLR eBooks the perception of being specialists in their market.

Simple Ways to Use PLR

What are some of the specific methods you can use PLR products to make money online Here are some of the best methods to utilize PLR eBooks:

* Sell the PLR Product on your own website. Anyone can make their own store just by putting up a simple website. You can post and market unique and good eBooks and sell them. Depending on the quality and size of the eBook, you can give corresponding prices for each plr product as long as they are reasonable.

* Just give the stuff away. Giving away your PLR products or posting the information for free on your website is a good way to be seen as an expert in your marketplace. This can be done especially well with ebooks. You may want to develop them and share these with others for free. By offereing your eBook to people for free you have a much better chance of getting them read and getting the exposure you need in your marketplace.

* Use PLR products as bonuses to an existing product. Using PLR products as bonuses is a great way to help sell your main product or service. Bonuses are a must in any great sales letter. PLR ebooks and other PLR products make a great source for bonuses to give away with your main eBook.

Selling PLR eBooks to make money online is a fine opportunity to increase and supplement incomes. Aside from that, it also is a great chance for folks to use their websites to advertise their information. Complemented with an effective marketing strategy, selling PLR products can be financially rewarding.

Sunday, June 3, 2012

Why Hyphenated Domains Are Dead!....

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

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

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

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

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

1. Branding their websites with much shorter domains.

2. Just using non-dashed domain names instead.

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

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

Friday, June 1, 2012

Carta de Credito Contemplada x Financiamento - Comparativo

Financiamento x Consrcio

O princpio do consrcio de imveis, como o de veculos, simples: voc define um valor que deseja receber de acordo com o tipo de imvel que tem em vista e adere a um grupo. Uma empresa administradora de consrcio tem o prazo de 90 dias para formar um grupo que comporte um nmero predeterminado de consorciados.

Como norma genrica, as administradoras obtm o nmero de consorciados por grupo multiplicando por dois o nmero de meses previstos. Assim, no caso de imveis, se o prazo do grupo for de 180 meses (15 anos), o nmero mnimo de cotistas ser de 360.

S quando 70% das cotas estiverem vendidas, esse grupo poder realizar a assemblia inaugural e passar a juntar dinheiro, por meio do pagamento de prestaes, para comprar o imvel de cada um.

Prs e contras

A grande vantagem dos consrcios sobre os financiamentos bancrios terem taxas de correo muito mais baixas. Comparados ao SFH (Sistema Financeiro da Habitao), leva vantagem ao possibilitar a compra de um segundo imvel financiado.

Mas, ao contrrio dos planos de financiamento convencionais oferecidos por bancos, o consrcio tem o inconveniente de fazer o cotista ficar esperando a vez de ser contemplado com a carta de crdito que lhe dar direito ao imvel. Isso pode acontecer at o ltimo ms de vida do grupo, ou seja, aps 12 ou 15 anos.

*Por isso a compra de uma o melhor negcio pois une o imediatismo do financiamento com as taxas do consrcio !

As administradoras contemplam os cotistas de um grupo de consrcio com um crdito em dinheiro. Os valores das cartas vo, em mdia, de R$ 20 mil a R$ 180 mil. Os prazos de financiamento no so predeterminados, mas, como um imvel um bem de valor elevado, o prazo costuma ser longo, de 150 ou 180 meses, como em outros financiamentos imobilirios.

Se a situao financeira do grupo est em ordem, as administradoras entregam duas cartas de crdito por ms --em geral, uma por sorteio e outra por lance. O contemplado pode escolher um imvel em qualquer cidade brasileira e indicar quando vai adquiri-lo e qual o nome do vendedor. O consrcio, ento, compra o imvel no valor da carta de crdito.

A exigncia que o imvel, novo ou usado, esteja pronto, com documentao completa. O motivo dessa precondio o fato de o imvel permanecer hipotecado --uma garantia da administradora-- at que o cotista pague todas as prestaes contratuais.

Como agir para aderir

Antes de mais nada, faa uma boa pesquisa sobre as administradoras de consrcio, assim como deveria fazer com qualquer profissional ou empresa especializada. Voc precisa ter certeza da idoneidade e da sade financeira delas. Mantenha-se sempre em dia com o assunto, acompanhando o noticirio dos jornais.

Ao mesmo tempo, pea informaes s prprias administradoras sobre os percentuais que elas costumam aplicar para obter as taxas cobradas mensalmente. Elas tm a liberdade de fixar percentuais de taxa de adeso, de administrao e do fundo de reserva, os quais variam bastante de uma a outra administradora e, portanto, pesam em maior ou menor grau em suas prestaes.

Tendo interesse em entrar num grupo de consrcio j formado, verifique a situao financeira dele, alm de pesquisar a idoneidade da administradora.

Se, por exemplo, as parcelas no estiverem sendo pagas por alguns consorciados, a administradora no ter condies de contemplar outros consorciados, por no poder pagar os imveis indicados por eles. As administradoras so obrigadas a informar aos interessados a situao real do grupo de consorciados.

Feita a escolha que lhe parecer mais sensata, no deixe de participar da assemblia inaugural --em que so apresentados o valor das parcelas e as condies do contrato e eleitos trs consorciados como representantes do grupo-- e das reunies mensais --em que so apresentados e debatidos assuntos de interesse comum.

Prestaes e taxas
As prestaes so compostas pela soma de:

uma parcela de fundo comum;
uma taxa de administrao;
uma parcela relativa ao seguro de vida; e
uma parcela referente a um seguro de quebra de garantia ou a um fundo de reserva.

Fundo comum

A parcela do fundo comum a maior contribuio mensal de todo consorciado para a formao de um fundo que comprar os imveis. Primeiro se acha o percentual que definir a parcela: o percentual total do bem (100%) dividido pelo tempo de durao do grupo (nmero de meses contratuais) igual ao percentual do fundo comum.

Assim, num plano de cem meses, o percentual ser de 1%. Voc encontra a parcela mensal do fundo aplicando esse percentual, 1%, ao total financiado, por exemplo, R$ 30 mil. Sua parcela ser, portanto, de R$ 300.

Taxa de administrao

o pagamento administradora por seu servio de formao, organizao e gesto do grupo. O percentual da taxa de administrao deve constar obrigatoriamente do contrato de adeso. Livremente fixada pelas administradoras, varia bastante: fica em geral entre 10% e 24% do valor do imvel e diluda ao longo do prazo do consrcio.

Quando muito alta, provavelmente engloba a taxa de seguro de quebra de garantia, que tem a mesma funo que o fundo de reserva. importante que voc esclarea o que ser pago e que isso conste do contrato.

O clculo da taxa de administrao parecido com o da parcela do fundo comum. Se a taxa estipulada for de 15% e o prazo do grupo for de cem meses, o percentual da taxa ser 0,15%. E 0,15% do valor do bem --no nosso exemplo, R$ 30 mil-- significa R$ 45. Essa a taxa de administrao em reais, acrescida parcela do fundo comum.

Algumas administradoras cobram uma taxa de adeso ao consrcio, paga vista ou em parcelas e somada s primeiras prestaes. O percentual cobrado como taxa de adeso tambm aplicado livremente, mas deve ser descontado do percentual atribudo taxa de administrao, que obrigatoriamente consta do contrato.

Fundo de reserva e seguro

O dinheiro recolhido nas prestaes para constituir um fundo de reserva tem a funo de manter o grupo financeiramente estvel, na eventualidade de alguns cotistas deixarem de pagar suas prestaes.

Nem sempre as administradoras cobram a taxa de fundo de reserva. Preferem, s vezes, uma taxa relativa ao seguro de quebra de garantia, que tem o mesmo fim. Em todo caso, a cobrana e o percentual aplicado devem constar do contrato.

O clculo da parcela relativa ao fundo feito de forma similar aos anteriores, e o valor total da contribuio pode chegar a 5% do valor do imvel, diludo ao longo do perodo de financiamento. No final do prazo do consrcio, o dinheiro do fundo no utilizado deve ser corrigido monetariamente e distribudo aos cotistas.

Reajuste das parcelas

As parcelas e o valor do bem desejado so reajustados anualmente de acordo com o INCC (ndice Nacional da Construo Civil), que reflete as alteraes nos preos dos materiais de construo. Algumas administradoras, especialmente as que s atuam num nico Estado, s vezes do preferncia ao ndice apurado em cada local pelo SindusCon (Sindicato da Indstria da Construo Civil).

Comparativamente, nos ltimos anos o INCC tem sido bem mais baixo do que o percentual de reajuste de prestaes de financiamentos imobilirios feitos por bancos. Na comparao mostrada na tabela anterior, levamos em conta juros anuais de 12% acrescidos do percentual da TR, ndices normalmente utilizados pelo sistema financeiro no crdito imobilirio.


Os consorciados que deixem de pagar um nmero de prestaes seguidas estipulado em contrato --em geral duas-- so excludos do grupo. As quantias que eles efetivamente pagaram antes disso sero devolvidas, mas apenas no final do prazo de financiamento contratado e com um desconto pelo prejuzo causado ao restante do grupo.

Se deixa de pagar as prestaes aps receber o imvel, o consorciado pode perd-lo, j que o bem est hipotecado. Nesse caso, o imvel vai a leilo, e o valor obtido na venda serve para cobrir o saldo negativo.