Friday, August 31, 2012

What Traits To Look For In A Pasadena Bankruptcy Attorney

Filing for bankruptcy is a very difficult and complicated process. The person or business filing has to be sure that filing for bankruptcy is on their or their businesses best of interest. Consequently, there is no room to make mistakes, even small ones. The slightest error can weaken the client's bankruptcy case. Below is a guide to help individuals and businesses make the best possible choice when hiring the best Pasadena bankruptcy attorney.

Look for a Pasadena Bankruptcy Attorney who Specializes

The best Pasadena bankruptcy attorney for the job is one who specializes in that area of law. They will have expertise that can be learned only through years of practicing bankruptcy law.

When a debtor is searching for a lawyer, a long list of bankruptcy litigators and law firms will emerge. It is always a good idea to look for reputation first, and ask questions such as are they reliable and are they respected in the legal community. A Pasadena bankruptcy attorney's website will usually have client testimonials outlining their experience with them. These are always helpful to get a feel for their level of professionalism, and how empathetic they are to the overwhelming stress of having to deal with bankruptcy.

A reputable Pasadena bankruptcy attorney knows all the ins and outs of the bankruptcy laws in California. They know what documents to file, when they have to be filed, what information to include, and what paperwork is not necessary. They also know how to streamline the process because they have done it so many times.

As well, a lawyer specializing in bankruptcy law in Pasadena knows how to explain bankruptcy law in such a way that their clients will understand. They know how difficult legal terminology is for regular every day people. They can explain in detail, the process, alternatives, and ramifications of filing for bankruptcy for individuals, businesses and corporations. Another specialty of a Pasadena bankruptcy attorney is that they know what to do in a crisis situation. Their knowledge is in-depth and they know what questions governing authorities want answered while filing bankruptcy documents

Go to the California Bar Association Website.

The bar association website for the state of California, has a listing of all lawyers practicing bankruptcy law within the state. It also sometimes lists reviews about the litigator's successes and other aspects of their professional careers. A Pasadena bankruptcy attorney is not just a legal eagle. They are also act as the debtor's advocate who guides them through the bankruptcy process, meetings, and paperwork and helps them fulfil their legal obligations imposed during the bankruptcy.

The paperwork and steps involved in filing for bankruptcy are very particular. Without a Pasadena bankruptcy attorney, debtors can run the risk of making a grave error. For example, a debtor could unknowingly perform an action that constitutes fraud such as transferring assets in close proximity to filing for bankruptcy. This would be considered fraudulent, making the transaction void.

When looking for a Pasadena bankruptcy attorney, it is very important to find one that is well respected and experienced. Choosing the right lawyer is a major step to get out of a stressful financial situation.

Monday, August 27, 2012

Huf & Tax Implications

Hindu Undivided Family is defined as consisting of a common ancestor and all his lineal male descendants together with their wives and unmarried daughters. Therefore, a HUF consists of all males & females in the family. Daughters born in the family are its members till their marriage and women married into the family are also members of the HUF.

In this context, Hindu mean all the persons who are Hindus by religion. Section 2 of the Hindu Succession Act, 1956, elaborately declares that it applies to any person, who is a Hindu by religion and it includes a Virashaiva, a Lingayat or a follower of Brahmo, Prathana or Arya Samaj, a Buddist, Jain or Sikh. In CWT In the case of Smt. Champa Kumari Singh (1972) 83 ITR 720, Supreme Court held that the HUF includes Jain Undivided Family. HUF is a separate entity for taxation under the provisions of sec. 2(31) of the I. T. Act. It means that the one person can be assessed as an individual and also as a Karta / Chief of his family.

HUF Formation An HUF is automatically constituted with the marriage of a person. No formal action is required to create an HUF. The HUF being the result of birth, possession of joint property is only an appendage of the HUF and is not necessary for its constitution. So, one person cannot form an HUF. Family is a group of people related by blood or marriage. However, the property held by a single co-parcener does not lose its character of Joint Family property solely for the reason that there is no other male or female member at a particular point of time. Once the co-parcener marries, an HUF comes into existence as he alongwith his wife constitutes a Joint Hindu Family. This was held in the case of Prem Kumar v. CIT, 121 ITR 347 (All.)

It can be noted that, the technical status of an HUF continues even in the hands of females after the death of sole male member. Even after the death of the sole male member, the original property of the HUF remains in the hands of the widows of the members of the family and the same need not divided amongst them.

An HUF need not consist of two male members- even one male member is enough. The understanding that there must be at least two male members to form an HUF as a taxable entity is not applicable. Gauli Buddanna v. CIT, 60 ITR 347 (SC); C. Krishna Prasad v. CIT 97 ITR 493 (SC) and Surjit Lal Chhabda v. CIT, 101 ITR 776 (SC). A father and his unmarried daughters can also form an HUF. CIT v. Harshavadan Mangladas, 194 ITR 136 (Guj.)

Nucleus of HUF With several rulings it is now established that, nucleus or ancestral joint family property is not required for the existence of the HUF.

Karta - He is the person who manages the affairs of the family. Generally, the senior most male member of the family acts as Karta. However, any other male member can also act as Karta with the consent of the other member. Narendrakumar J. Modi v. Seth Govindram Sugar Mills 57 ITR 510 (SC).

Property - The HUF property may consist of ancestral property, property allotted on partition, property acquired with the aid of joint family property, separate property of a co-parcener blended with or thrown into a common family pool. The provisions of sec. 64 (2) of the Income Tax Act, 1961 have superseded the principles of Hindu Law, in a case where a co-parcener impresses his property with the character of joint family property.

Female members cannot merge her separate property with joint family property, but she can make a gift of it to the HUF. Pushpadevi v. CIT 109 ITR 730 (SC). Female members can also bequeath their property to the HUF, CIT v. G.D. Mukim, 118 ITR 930 (P & H).

Multiple Family Structures - An HUF can consist of several branches or sub-branches. For example, a person with his wife and sons constitutes an HUF. If the sons have wives and children, they also constitute smaller HUFs. If the grandsons also have wives and children, then they also constitute HUFs. It is irrelevant whether the smaller HUFs hold any property. Nucleus property can be acquired by partition of bigger HUF or by gifts from any member of the family or even by a stranger or by will with intention of the donor or the testator that the said gift or bequest will form the HUF property of the donee. An HUF can be composed of a large number of branch families, each of the branch itself being an HUF and so also the sub-branches of more branches. CIT v. M.M.Khanna 49 ITR 232 (Bom).

Tax planning through HUF -
(i) Increase the number of assessable units through the device of partition of the HUF.
(ii) Create separate taxable units of HUF through will in favour of HUF or gift to HUF.
(iii) Enter into family settlement / arrangement.
(iv) Payment of remuneration to the Karta and also to other members.
(v) Providing loans to the members of the HUF.
(vi) Gift to members.

Partition of HUF - The tax liability can be reduced by partition of the HUF. This can be easily done in a case where the partition results in separate independent taxable units. Suppose an HUF consists of father and two sons and there are two business establishments, a house property and other sources of income with the HUF. If the members of the HUF have no other sources of income then partition of the HUF can be done by giving one business establishment to each of the sons, house property to the father and dividing the other sources in such a manner so as to make the partition equitable. Such a partition of HUF will reduce the tax liability considerably. The position may, however, be different in a case where the members of the HUF have got high individual incomes. In such a case it is not advisable to break or partition the HUF. The HUF should be allowed to continue as a separate taxable unit.

In case, where the HUF has only one business establishment, which can not be physically divided, it may be converted into a partnership firm or a company. At present, rate of firm's tax and the rate of tax in case of a company, is 30% flat, therefore conversion of HUF business into a partnership or a company is not advantageous. The incidence of, in such a case, can be better reduced by payment of remuneration to the members of the HUF. Partial partition of HUF is also a very effective device for reducing its tax liability. Partial partition is recognized under the Hindu Law. However partial partition of an HUF is no more recognised by the Income Tax Act. The provisions of sec. 171 partial partitions can still be used as a device for tax planning in certain cases. An HUF not hitherto assessed as undivided family can still be subjected to partial partition because it is recognized under the Hindu Law and such partial partition does not require recognition u/s. 171 of the Income Tax Act, 1961. Thus a bigger HUF already assessed as such, can be partitioned into smaller HUFs and such smaller HUFs may further be partitioned partially before being assessed as HUFs. Besides any HUF not yet assessed to tax can be partitioned partially and thereafter assessed to tax.

Legal aspects and partition of HUF
(i) Assets distribution in the course of partition would not attract any capital gains tax.
(ii) No gift tax liability.
(iii) No clubbing of incomes u/s. 64.

Create Separate Taxable Units - It is now well settled law that there can be a gift or will for the benefit of a Joint Hindu Family .It is immaterial whether the giver is male or female, whether he or she is a member of the family or an outsider. What matters is the intention of the donor that the property given is for the benefit of the family as a whole. Suppose there is an HUF consisting of Karta, his wife, his two sons, daughter-in-law and grand children. A gift or will can be made for the benefit of the two smaller HUFs of the sons. The bigger HUF will continue as a separate taxable unit even after the death of the Karta. There may also be a case where the father or mother has self acquired properties. They have a son and his family but there is no ancestral property as a corpus of their family. Then, father & mother or both can leave their property for the benefit of their son's family, through their respective wills.

Family Settlement / Arrangement - Family settlements / arrangements are also effective devices for the distribution of ancestral property. The object of the family settlement should be broadly to settle existing or future disputes regarding property, amongst the members of the family. The consideration for a family settlement is the expectation that such settlement will result in establishing or ensuring amity and goodwill amongst the members of the family. Since family arrangement does not involve transfer, it would not attract gift tax, capital gains tax or clubbing. By a family arrangement tax incidence is considerably reduced or it may even be nil. Suppose a family consists of Karta, his wife, two sons and their wives and children and its income is Rs. 6, 00,000/-. The tax burden on the family will be quite heavy. If by family arrangement, income yielding property is settled on the Karta, his wife, his two sons and two daughter-in-law, then the income of each one of them would be Rs.100,000/- which would attract no tax & if the assessment year is 2007-08, then the tax liability would be reduced form Rs. 100,000/- to nil.

Remuneration to the Karta & members - The other important measure of tax planning for an HUF is to pay remuneration to the Karta and its members for the services rendered by them to the family business. The remuneration so paid would be allowed as a deduction from the income of the HUF and thereby tax liability of the HUF would be reduced, provided the remuneration is reasonable. The payment must be for service to the family for commercial or business expediency. Jitmal Bhuramal v. CIT 44 ITR 887(SC).

Loan to the Members - If the business, capital or investment of the HUF is expanding then such expansion can be done in the individual names of the members of HUF by giving loans to the members from the HUF. The HUF may or may not charge interest on the loans given. Where after partition of an HUF, two members became partners in three firms on behalf of their respective HUFs and they also became partners in a fourth firm, the funds were obtained by means of loans from other three firms, the share incomes of the members from the fourth firm was assessable as their individual income only. CIT v. Champaklal Dalsukhbhai, 81 ITR 293 (Bom.).

Gift of Assets to Members - Generally, the Karta of an HUF cannot gift or alienate HUF property but he can make certain gifts to the female members. Gift of immovable property within reasonable limits, can also be made by a Karta to his wife, daughter, daughter-in-law or even to a son out of natural love and affection. Gift of immovable property within reasonable limits can be made only for dutiful purpose e.g. marriage of a daughter etc.

If the HUF has surplus funds or property, then, the Karta can make gift of movable assets to his wife, daughter or daughter-in-law at one go or over a period of time. However, it may be noted that with effect from 1.10.98, the applicability of Gift Tax is no more in force. Therefore, no Gift Tax will be payable by a person making the gift from on or after 1.10.98. However, w.e.f. 1.10.2004 Gift received from other than relatives exceeds Rs.25,000/- then that amount is liable to Income Tax u/s. 57. It may be remembered that gift for marriage or maintenance of daughter is not liable to Gift Tax. Further clubbing provisions of sec. 64 would not be applicable if the gift in validly made in accordance with the rules of Hindu Law. Besides, if a gift made to the minor daughter of the Karta is valid then the provisions of sec. 60 of the Income Tax Act would not be attracted. CIT v. G. N. Rao, 173 ITR 593 (AP). Whereby, section 60 relates to transfer of income where there is no transfer of assets.

Other Tax Planning
(i) Transfer of individual property to the family.
(ii) Family reunion after partition.
(iii) Inheritance by succession

Partnership Firm & HUF - An HUF cannot become a partner in a firm. The Karta or a member of the HUF can represent the HUF in a firm. A female member can also represent HUF in a partnership firm, CIT v. Banaik Industries 119 ITR 282 (Pat.). Where remuneration was received by a member of HUF from a firm, where he was partner on behalf of HUF for managing firms business such remuneration was his individual income, CIT v. G. V. Dhakappa 72 ITR 192 (SC); Premnath v. CIT 78 ITR 319 (SC). However, income received by a member of HUF from a firm or company is taxable as the income of the HUF, if it is earned detriment to or with the aid of family funds, otherwise it is taxable as the separate income of the member, P.N. Krishna v. CIT 73 ITR 539 (SC). Members of HUF can constitute Partnership without affecting a partition or without disturbing the status of joint family. Ratanchand Darbarilal v. CIT 15 ITR 720 (SC). However, on viewing at the present rate of firm's tax, conversion of HUF business into partnership is not advantageous.

The Author, CA A. K. Jain, can be contacted at, 21, Skipper House, 9, Pusa Road, New Delhi 110005, Mobile No. 98-100-46108, E-Mail:

Saturday, August 25, 2012

Bad Debt Vs. Good Debt: A Guide To Good Money Management

In today's economy, people tend to think that any debt is bad. While the ideal is to live debt free, that is not possible for many people. It is true that many types of debt will only hurt you in the long run, but there are some types that can be good for you. Learning to differentiate bad debt vs. good debt is an important aspect of wise money management.

What Is Good Debt?

In a nutshell, good debt is any type of debt that will benefit you in the long run. In other words, any debt that provides you a net gain can be considered good. This means financing a purchase which will appreciate in value, or paying for educational opportunities that will enable you to get a job with higher pay. Although you have to take out debt to begin with, in the long run you will be better off for having done so.

A classic example of good debt is the student loan. Taking out a student loans enables you to go to college or to pursue career training, which will pay off by helping you find a better career with higher pay. At least it should, its not advisable to borrow solely to get a degree in basket weaving as the saying goes. Student loans become bad debt if you choose a major that will not get you a good job. However, simply possessing a degree may open more doors to you, so it may still be good debt if you use it to further your goals.

Mortgages are another example of a situation where the distinction between bad debt vs. good debt is not so clear. If your house appreciates in value, then it is good debt. However, with the collapse of the housing market many people are finding themselves upside down on their mortgages, which means you may owe more than your home is worth. That can quickly turn it into a poor investment.

As you can see, it is important to carefully choose what good debt you take on to make sure it actually will pay off in the end.

However, if you plan carefully you will likely benefit and you can work to invest only in good debt and work to move bad debts into the good category.

What Is Bad Debt?

Bad debts are any balances owed on an item that depreciates, or decreases in value. For example, using a store credit card to buy clothing is bad, because the first time you wear that clothing it will be worth much less than what you paid for it. Sometimes this kind of debt is almost impossible to avoid, such as if you lose your job suddenly and need to put some expenses on credit cards to get through.

However, that should be paid off as quickly as possible and efforts made to avoid this type of borrowing.

Car loans are another classic example of bad debt. They may be necessary if you need transportation and cannot afford a car on your own, but you should strive to minimize the amount you owe and pay it off quickly. Cars depreciate very quickly, particularly luxury cars or other more expensive vehicles.

If you are having trouble determining whether something is bad debt vs good debt, just ask yourself whether it will be worth more in five years than it is now, or whether you will make more money off of it.

For example, a student loan could be good debt, but a personal loan taken to finance a vacation would be bad debt. One will pay off in the future, while the other will just leave you paying a lot of interest.

Bad debt is easily avoided by living within your means and saving up for large purchases rather than giving in to the temptation of putting them on a credit card. Even borrowing from friends or family in a pinch is better than paying on a high-interest credit card.

Getting Out Of Debt

If your ultimate goal is to become debt free, the best way to do that is to focus on getting rid of your bad debt first. Pay the minimums on any good balances you have, but pay substantially more than the minimum on bad debts. If you are just paying your minimum credit card payments every month, you will be paying them off for a long time and paying much more in interest than you need to. Credit cards generally have higher interest rates than mortgages or student loans as well, so it makes sense to pay the cards down first. Once that is done, you can begin focusing on paying off your other bad credit lines and avoiding any additional borrowing.

Figuring out which is bad debt vs. good debt can be tricky at times, but is fairly straightforward if you keep in mind the 5 year benefits test. The most difficult part about it is being totally honest with yourself. Think carefully before you take on any new debt in order to make sure you are making choices that will benefit you in the long run. With a little careful planning and practice it will be easy to make good financial choices.

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Importance Of Moving Company In Every Aspect Of Our Life

Every year hundreds and thousands of men and women relocate from one place to another, more specifically from one state to other. The moving reason starts form the family to finance to weather and health. But for each of the above case, the potential movers have to employ moving companies. If it is in Maryland they would hire local movers Maryland and if the residents are from Virginia, Alexandria movers come in to the play.

So the residents are likely to select a local moving companies and it is more likely that they would take references from their near friends and the relatives. Choosing nearby Alexandria movers is too challenging job, but when you find that in a quick time, nearly all of your issues will be solved. As local movers Maryland movers are contacted, a salesman from that business visits your premises to create a moving estimate. This estimate that is made, takes into account numerous aspects that is made up of separate amount for your packaging vans for your moving needs and in addition an insurance coverage with that of the moving purpose. The consultant can also make an inquiry concerning the moving location on the basis of which she can make the estimate. In addition to the distance another essential component to consider is the quantity of stairs and the distance from the house to the van. The price estimation is also depends on that. In case of mobility of items locally, an important aspect that is considered will be the quantity of time which is spent in moving. The driving force should be offered the shortest route, so that this expense is reduced.

When all the aspects are taken good care of, packaging is initiated. Local movers Maryland are hired on the basis of contract, and packaging companies generally an important part of the deal. They acquire proper care of all your belongings, and also the finest care is implemented in order that no or minimal damage is induced to the home objects. You'll find so many local relocating companies, who carry good care of the insurance coverage plan facilities, to ensure that in situation of any harm, a specific quantity can be recovered.

One more important thing to check is that the storage system of the moving companies. After having packed all the belongings, you must check the safety and security status where your belongings are kept. Why this is advisable? Storage is the place where your household chores can get damaged despite solid packing. In case of interstate moving say from MD to VA, storage is essential for the Alexandria and Maryland local movers as they try to shift many residents and households at a time. This in fact reduces their costs.

Thursday, August 23, 2012

Volcano Science Project:extreme

Everyone has heard of the classic volcano science project using vinegar, baking soda, and a little bit of red food coloring. This little experiment, however, is a little more extreme, and a little more realistic (do not worry, it is not actually dangerous!). This guide will teach you how to create a volcano project that really erupts with some force.
Unfortunately, the fake lava is not going to be quite so realistically red, but sometimes compromise means sacrifices! Here we go:
Gather your building supplies. For this project, you are going to need to start with a volcano. A prepackaged paper mache kit is recommended. Next, you need a two-liter bottle of diet cola. Use your paper mache kit to build a mountainous, volcanic structure around the bottle, leaving a hole at the top large enough to facilitate opening the soda bottle. Give your paper mache plenty of time to dry before you attempt the next step, or else you will end up with a sticky mess on your hands.
Paint your volcano. This is where you can get pretty creative, even though most volcanic mountains look pretty much the same. You can go for the standard black and brown color of rocks and dirt, or you can get a little artsy. Why not make a tie-dye themed volcano? It is just a science experiment, and science should be fun! After applying your paint, make sure that it is completely dry before you begin the next stage: Explosion!
Now it is time to add the trigger to the equation. Go to your local convenience store and buy a roll of mint Mentos. It is very important that you buy these in particular, as nothing else will work correctly.
Ready your presentation in a clear, outdoor space (trust me; you do not want this volcano erupting indoors!). Carefully take the cap off your diet cola, which, if you have followed directions, should be housed securely in your paper mache volcano. Commence with a dramatic countdown, and at its conclusion, drop a couple of the Mentos into the cola.
ERUPTION!
This is a fun experiment to do at school or at home, but if you are planning to attempt it, there are a few safety precautions to take. The reaction of the cola to the mints is very strong, and you definitely do not want to put your face near the opening of the soda bottle for the initial eruption. It is recommended that you wear goggles or some type of protective eyewear if you are going to be the one tossing the mints in the soda. Other than that, enjoy the spectacle!

Wednesday, August 22, 2012

Forex Charts - Using The ADX Indicator For Bigger Profits

If you're using charts, then you want to trade the strong trends - and the Average Directional Movement Index Indicator, or ADX, enables you to do this.

Wells Wilder developed the ADX, and outlined it in his classic book New Concepts in Technical Trading Systems.

Let's look at this essential indicator in more detail - and see how to apply it on your forex charts, to give you greater accuracy when generating your trading signals.

Determining the Strength of the Trend

The ADX is a momentum indicator, which aims to measure the strength of the trend - and attempts to determine if the market is trending, or is trading sideways.

The Advantages of the ADX

A core belief of technical analysis is that a strong trend in motion is more likely to continue, than reverse. Therefore, you always want to be trading strong trends - as your odds of success are higher. The Average Directional Movement is a good indictor and you should consider using it as part of your currency trading system.

The Technical Bit

For the boffin's out there, here's the technical bit don't worry if you don't understand the calculation, its easy to use when visually plotted. The ADX is based on the comparison of two other directional indicators, both of which were also developed by Wilder, and they are:

Positive Directional Indicator (+DI) and the Negative Directional Indicator (-DI) to produce ADX as showed in the following formula:

ADX = SUM[(+DI-(-DI))/(+DI+(-DI)), N]/N

Where:

N: Refers to the period of calculation. The formula above produces the ADX line, which oscillates between 0 to 100 values. The +DI and -DI are both present and can be seen to make up the indicator.

You don't need to understand the above calculation to use the indicator you only need to accept that the indicator works.

The indicator is easy to use when it's visually plotted - and you'll find it included, with most of the good forex chart services.

How to Trade using the ADX Indicator

The ADX it's not a bullish, bearish trading signal generator - and should never be used as such.

The ADX indicator simply indicates the strength of the trend - and other indicators should be used to enter, and exit trades.

Although the ADX fluctuates from 0 to 100, it rarely moves above 60.

Use the ADX in the following way:

Readings above 40 indicate the strength of the trend.

Readings below 20 indicate range trading and flat periods of consolidation.

You can use the crossing of +DI and -DI to determine the trend direction; when +DI crosses -DI upward, it's a bullish signal, on the other hand, when +DI crosses -DI downward it's a bearish signal.

The ADX line is a great momentum indicator and like the RSI (also developed by Wells Wilder), the ADX it will help you trade the strongest trends - and give you advance warning of changes in momentum.

The Bottom Line

If you want currency trading success, you can't just trade support and resistance levels, and hope they hold or break. You need confirmation of momentum to get the odds on your side - and the ADX indicator will assist you.

Final Words

New Concepts in Technical Trading Systems was published in 1978, and was one of the first trading books I ever bought. Every trader should make this book a part of his or her forex education. If you want to learn forex trading the right way, get the book, and use the ADX indicator to increase your chances of making big FX Profits.

Tuesday, August 21, 2012

Children's Easel in the Art Room

A Children's Easel is the perfect answer to the ever growing class size and really the best surface too for your students to learn on. Regardless of the age group, students that work on a Children's Easel are more likely to become engaged and passionate about their work. The Children's Easel creates a larger atmosphere of learning and focused creativity. By standing up a child's work space is naturally bigger and in a classroom setting their spaces may even overlap which can encourage them to see one another's art work, and to inspire each other.

A Children's Easel is not new concept, they have been becoming ever more popular over the past 20 or so years. These Children's Easels and Creation Stations originated with the hope that children drawing and coloring on their Children's Easels would become more involved in the paintings and projects they were creating. The main reason being that creating art from a standing position allows your whole body to be involved in the process. For children with a lot of energy a children's easel is perfect. Not only does it allow them to paint more wildly, but the fact that their painting is right in front of their face helps them become less distracted. Contrast this to the level of distraction that can be found on an art table where a child is more prone to starring at and joking with their buddies next to them and across from them. Another reason behind introducing the Children's Easel is that a child can more easily step away from and return to a work in progress. An art teacher sensing that a child is stuck, can instruct them to move on to something completely different, intending for the child to return to their work at a later date. They will be able to step out of their potentially frustrating or stalled creative process, focusing their minds on something else, all the while looking at their art work from a different context, angle and distance. This process of stepping back from your work or even leaving it completely for a time causes artists to take their creativity and talent a step further.

Art educators have differing opinions regarding Childrens Easels as opposed to art tables in the classroom. Altogether they agree that the child getting the most out of their class and helping them to find their potential as artists is the most important thing. One element of concern regarding a Children's Easel vs. a large class art table is organization and class room structure. Some educators might think a class full of easels could be too chaotic and that the disorganization would cause kids to loose focus. However, the contrary is true. Children's Easels put out in an organized way, for example, putting them all in a circle, allows the teacher to walk all the way around the class instructing and encouraging one student at a time. It also allows for the students to take a look around at their classmates' work. Whether they are focused on a still life or not, this is a highly effective class structure for children's easels. There are many other ways to set up your classroom, rows, squares or even clusters. Not all Children's Easels are one sided. Some are double sided, some are even four sided making room for even more class room set up possibilities.

Another misconception about Children's Easels is that cleaning up after the class, folding up the easels and putting them away is too much work. If you are using Children's Easels that require being folded up and stored away everyday, try assigning the students their own children's easel for the year, giving them some responsibility for it in much the same way as there desks in the classroom, or like their textbook. Have an inspection in the beginning and at the end of the year and set up some penalties for mistreated easels.

When choosing your Children's Easel, make sure you look into all the different types. They are not all the same. Some fold up small and are very portable, some have wheels and are more mobile, and many Children's Easels can even accommodate several kids at once, including: Double Sided, Four Sided, and even Six Station Children's Easels. I'm sure you will find the perfect one to suit your needs.

Sunday, August 19, 2012

Credit Report - 5 Secrets Credit Bureaus Don't Want You To Know

In the event you've ever utilized for a mortgage or bank card, chances are high your lender acquired and examined a replica of your credit report before deciding whether or not to grant you credit. Your "Credit Report" is a report of your credit score historical past and it is prepared by businesses called "Credit score Bureaus", or "Shopper Reporting Agencies." These are personal organizations and don't have any affiliation with the United States (or any) government. There are three main credit score bureaus in the United States (2 in Canada) and their names are Experian, EquiFax, and Trans Union. Did you know that credit score reporting is a multi-billion greenback a year trade? It's true! The credit bureaus are for-revenue organizations that generate billions of dollars in income annually from selling copies of credit score stories to collectors and mailing lists.

Your credit score report impacts greater than your financial life. It may affect your education, profession, and even your relationships. Your credit report is used not solely by lenders and collectors, but also by auto, life, and home insurers, future employers, and even some educational institutions. It impacts the rates of interest you'll pay on everything! In order you can see, your credit report can have an important impact on many aspects of your life. For instance, because of an adverse credit report you could be pressured to pay tens of hundreds of dollars MORE in loan curiosity over the lifetime of your private home mortgage. That is no exaggeration! Since the credit score bureaus prepare and distribute your credit score report back to lenders, they clearly wield a great deal of energy over each your financial and private life. However it would be a grave mistake to be intimidated by them, or to think that you don't have any choice however to reside with the negative effects of a low credit report. In fact, there's lots you are able to do! All the time bear in mind; Knowledge is energy! There're a few info the credit bureaus would reasonably you don't know. Let's take a look at them, and you'll see why.

1. Credit reviews are full of errors! It would probably astonish you to learn the percentage of credit score experiences that comprise errors. While there seems to be some disagreement, estimates range from 1 out of every three (on the low finish) to as excessive as 90%! Here's a "run down" on error estimates. Percentage of Credit Reports Than Comprise Errors

Attorney Common of NY 1/three
Customers Union 48%
US Congress 1/2
Charles Givens Organization 90%

So no matter who you imagine, it's clear that manner too many credit score stories have errors. So even should you suppose you've got good credit, it is likely to be well value your while to get a copy of your credit score report and take a cautious take a look at it.

2. The regulation is in your aspect! In 1972 Congress handed the Fair Credit score Reporting Act (FCRA) to curb abuses by the credit bureaus. The FCRA is the governing federal regulation on the issue of credit Below the FCRA, you could have the proper to dispute destructive info in your credit score report. The credit score bureaus then have 30 days to confirm the disputed data with the creditor. If they cannot (or do not) confirm the disputed data within 30 days, it have to be deleted from your credit score report.

3. Even accurate knowledge in your credit score report must be deleted if it's not verified.
If you've finished any analysis into credit score restore you have little question run across statements to the effect of "Negative knowledge in your credit report that's correct can't be removed." As said above, the FCRA stipulates that any disputed data have to be verified within 30 days, or it should be deleted. The "burden of proof" (in a way of talking), is on the credit score bureaus.

4. Credit score restore DOES WORK usually!
You'll hear every kind of opinions as as to whether "credit repair" (i.e. efforts to enhance your credit report) could be successful. The reality is, credit restore does not all the time work perfectly. However in nearly each case the method of credit score restore will result in at the very least SOME improvement in your credit score, and most often that improvement is substantial. So credit score repair does work! Now you might be wondering why repairing your credit score score would be of any concern to the credit bureaus. In spite of everything, don't they earn a living by compiling and distributing credit reports no matter whether or not these experiences are negative or optimistic?
Nicely, sure they do, BUT...they also earn money (a GREAT DEAL of cash) promoting names of individuals with poor credit score, to collectors who have a selected interest in those people.

So why would some collectors wish to bother with individuals who have poor credit score? Because they know they will cost higher rates of interest to those people, as a result of the "spotty credit dangers" haven't any alternative however to pay these exorbitant rates or forgo credit score altogether! Moreover, investigating disputed data costs the credit bureaus time, manpower, and money. They don't have anything to gain, and many to lose, when people take the initiative and dispute adverse info on their credit score report.

5. It's completely legal to hire third occasion assist to repair your credit. There are plenty of "Credit Repair Businesses" who will show you how to repair your credit. But if a credit bureau even suspects you're using such an agency, it is seemingly they'll attempt to discourage you from doing so. In some circumstances they're going to even go so far as to send you a letter stating that use of such agencies is illegal.

Such statements are (to put it as politely as attainable) rubbish! In truth there are laws that regulate such agencies. Now laws don't exist to manage illegal activity, except to ban it! When was the last time you saw laws that regulate what cocaine dealers should do to function inside the regulation? As soon as again, repairing a very bad credit report just is not in the best curiosity of the major credit bureaus. But until you happen to be the CEO of a type of bureaus, an important query so far as you are involved is "What's in MY best interest?" To start with, get a replica of your credit score report and examine it. You can get a free copy of your report at . Secondly, take steps to enhance your credit score report. You'll be able to go about it in considered one of two ways.

1. If repairing your individual credit score report sounds too intimidating, there are plenty of credit repair agencies that may do it for you. But should you take this strategy, there are three issues you'll want to know. First, they're not cheap. Anticipate to pay from ,500 to ,000 for an attorney or 5 to ,000 or more for a credit restore agency. Secondly, they don't at all times do it proper! Some will manage to get the adverse knowledge on your credit report eliminated whereas truly doing injury to your "credit score" (a calculated quantity utilized by creditors to guage you credit worthiness.) Lastly, many are outright scams!
That's to not say you should not rent third social gathering help. In the event you do your "dwelling work," ask for references, and thoroughly select a good credit repair agency, you will be significantly better off than for those who had carried out nothing. Still, when you're keen to perform a little work, there's a much better alternative.

2. Restore you own credit report. Anybody can fix their very own credit score report. If you happen to can write just a few letters, deal with, stamp, and mail them you possibly can restore your individual credit. There're plenty of good books accessible that may stroll you thought the entire process, and when you're accomplished just a little research, you'll be surprised at how easy the process is. Bad credit will price you many thousands of dollars and limitless anxiety. Even you probably have honest credit, fixing you credit score might nonetheless prevent hundreds in curiosity funds over the years. Get a superb e-book on the subject of credit score restore, and get started fixing your credit report as we speak! And do not be intimidated by the credit bureaus. Keep in mind, the regulation is on YOUR facet!

Understanding The Real Estate Inflation Game

In the Fraser Valley's rapidly expanding real estate market there are several elements to consider. You are probably aware of the concept of inflation. But just to recap, inflation means that the increasing cost of buying a service or a product (tangible or intangible). This decreases your purchasing power. For example, an item that cost perhaps 10 dollars ten years ago, now cost 50. People in today's world that are on fixed incomes are very aware of their purchasing power of the Fraser Valley rental dollar.

This factor is very important to consider when renting your new home, apartment or townhouse in the lower mainland. The inflation rate in Canada varies at different times of the year and in different regions across the country. At one time Canada had what's known as double digit inflation. However, currently in the Abbotsford, Burnaby, Coquitlam, Surrey, Langley, New West and Richmond area, inflation has stayed relatively low.

Naturally, the appreciation of property value over time includes inflation factors. And historically, land appreciation value for residential homes has been between 4 and 5 percent greater then inflation rate. When you buy a home in the Fraser valley your buying a home with inflated dollars. That is, you are probably getting more money now in terms of salary increases to pay off lesser-value money when you took out that original mortgage. So your beating the system!

Renting in the Fraser Valley can often be a disadvantage given our appreciating real estate in Abbotsford and Vancouver. In fact Every city across the Fraser Valley has been hit by the real estate boom and has experienced some level of Appreciation. This includes Richmond real estate, Burnaby, Coquitlam, New West, White Rock, Mission, Maple Ridge, and all other major cities across the lower mainland. Appreciating simply means the increase in value of the property over time. It is the growth in value of your original capital investment.

The national average of appreciation with real estate in the Fraser Valley is 5%. However, real estate in the lower mainland has seen gains as much as 25%. It's important to understand that trends will go up and down. But with the 2010 Olympics coming up, interested rates staying under 10% and our economy the way it is, you'll notice the real estate market will continue to clime. The rent BC option has rapidly changed into a wealth building endeavor for any middle class investor.

Saturday, August 18, 2012

Auto Loans

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

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

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

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

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

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

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

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

Thursday, August 16, 2012

Flipping Houses Vs Flipping Tickets

Like many of you, I am always looking for a new way to make a buck. Also like many of you, I have looked into a number of opportunities in several fields. For example, I have owned several pieces of real estate. I am currently a landlord and have been for 15 years. I see no reason to believe that I will not be for the next 15. I have bought and held onto a property for years and sold when I thought the market was right or wanted to avoid having to put K into it for the next tenant.

I always struggled with making a decent return on the House Flip. Buy and hold has done right by me. I find that no matter how dilapidated a house is, the owner is never so stupid to sell to me at 50 cents on the dollar. When I have been able to buy under-market, the cost of upgrades ate into my profits.

The foreclosure route was not much better. Those foreclosure auctions seem to attract enough of a crowd these days to drive up the price to near market.

Even though I have a preference for buy and hold, everyone who hears that I have invested in real estate wants to here about my experience as it relates to flipping houses.

"How many have you bought and sold this year?"
"uh.., none but I did last year and I wish I held onto it."
"No you did the right thing. Where are you looking now? Can I get in?"

People love the flip. Everyone want to flip a house. I can even watch some cable TV shows about flipping houses. If you are a house flipper - power to you. I dislike the pressure of having to move it quickly. I like knowing I will hold onto a property for a and get a better return.

If you want to flip something, I have a better suggestion - sports and concert tickets. Half of you said to yourselves "Ticket scalping?" and the other have asked "Is that legal?". Yes and yes are the quick answers but let's take a closer look at the concept and the ability to make money.

Ticket scalping gets a bad rap. Somewhere it got embedded in our minds that we have an inherent right to purchase tickets for our local team or concert directly from the source. Anything that impedes that is an attack on our basic human rights. Hogwash. As an entrepreneur, you have the right to seek out markets where there is a limited supply of a product and the demand exceeds that supply. Tickets fit the bill.

Still not sold? I figured a few of you needed more. I brought up the house flipping scenario for a reason. People love the house flip. Buy under market value, slap a coat of paint on and sell over market value. The value the house flipper brings to the table is upgrading the "curb appeal". I haven't met a house flipper yet who wanted to upgrade the heating system. Now what do which is closer to meeting a basic need - shelter or a baseball ticket? Not even close.

Please do not read this the wrong way. I am not attacking house flippers. I love house flippers. I have done it and will do it again. But the general population loves the house flipper and loathes the ticket flipper. One serves a want and one serves a need.

Now hopefully most of you have made the mental switch that it is OK to flip tickets. Lets get down to business and talk about how some people are making money at it and why this is a good thing to look into.

Let's start with the reasons this is a good market to jump into

Low barriers to entry - You can pick a hot concert touring the country buy some tickets for a few hundred dollars and resell them on line. It is not unheard of to get a 20 - 50% return on a deal like this if the show is popular. While you might not retire on a few hundred dollars profit, there is always someone touring that you can score some tickets to. Not a lot of industries offer an ability to get in and out so quickly without much cost.

Quick Inventory turnover - If you are buying and selling concert tickets, you might be holding your inventory for about three months on the long end. Like Sports? If you are working with sports tickets you might hold them for six months. Regardless, when you are making 20 - 50% returns in a two to six month period, the annual return is that much higher.

Many places to sell - there are several places to sell your tickets online. Each has some pros and cons. ebay of course seems to have the most volume, but you have to deal with your own shipping, listing fees and the expected eBay buyer who decides not to buy after all. Stubhub seems to be the leader of the pack in the non-eBay crowd. They have completed over 12 million transactions. The have higher fees than eBay but they include the shipping, only charge a fee when something sells and take care of all those nasty people who change their mind about buying your product. RazorGator is another place that follows the StubHub model. They just do not get as much traffic.

TicketNetwork and EventInventory each have high volume but these places cater to the full-time ticket broker instead of the person doing this on the side or a newbie. Lastly, if you want to scrape the bottom of the barrel and make extra work for yourself, you can always post your inventory on CraigsList.

Is it Legal? - While there are some restrictions in some states - every where else it is fair game. For example, If I live in New York and the venue seats more than 6,000 people, I can only mark the ticket up by 45%. If I do not live in New York, I can sell the ticket for any amount I choose.

The laws regarding this are old and are written to keep people away from selling tickets outside a stadium. In an online world they are just antiquated. There is a trend in state legislatures to ease up on these laws. With a market size billion dollars, go figure that ebay and StubHub have hired some lobbyists to help ease up on the laws.

Flipping tickets is a good place for an entrepreneur to look into making some cash. At least compare to flipping houses, it has lower startup cost, higher returns and quicker turnover. Everything you want in a business.

Whether you want to dive off the deep end solo or get some help from people who have been there. That help is relatively inexpensive and provides a high value regardless of where you get it from. It is definitely cheaper than a real estate attorney.

Tuesday, August 14, 2012

Job Safety Analysis And Its Particular Advantages To Numerous Industries

One thing that must be vitally important for any business is job safety analysis. Accomplishing this sort of analysis may prevent accidents from happening and stop lawsuits for happening. Additionally, it can make sure a company will not be penalized by OSHA, the organization tasked with developing workplace safety standards in a variety of industries.

Carrying out a jobs safety analysis doesnt need to be a quick and simple task. Instead, it should be a somewhat intricate review of companys entire facilities to look for possible safety hazards. Usually, a document referred to as a job safety analysis form is used. This kind of document will certainly outline every step that was taken during that analysis and whether or not the company or workers met certain safety standards.

There are various ways a job safety analysis might be performed. Probably the most common method entails observation. If this is the case, an individual might observe workers carrying out their daily tasks at a plants facilities. Exactly what a worker did and whether that person took the proper safety measures is recorded. The job safety analysis form that is completed could be according to each step that employee performs while working on a particular task.

The government agency which is tasked in creating and enforcing workplace safety standards is OSHA. One reason why a company will need to perform its own analysis of its workplace safety conditions is due to the fact that someday thats companys facilities may be found under the scrutiny of an OSHA job safety analysis. When the company won't pass this sort of inspection, this may lead to severe consequences especially if there was an accident that resulted in the death of a worker.

An adequately performed job safety analysis should result in a very detailed document. Within this document, no detail about a possible threat should be left out. This could certainly give management the chance to be preemptive and make the changes needed to remove hazards before they ever cause harm to an employee.

Definitely, the main benefit of performing this type of analysis is a moral one. It shields the lives of a companys employees. Having said that, there could be other benefits too. For just one, it reduces the risk of employees at some point suing the company for compensation after any sort of accident. It may also save money in different ways. If perhaps insurance companies are away of the fact you repeatedly perform such an analysis, you will be able to have cheaper insurance premiums.

Monday, August 13, 2012

Chase Credit Card Options: Recognizing The Best One To Choose

There was a time when a credit card was a luxury item, issued only to those who had very healthy bank accounts. These days, practically everyone has one, with the range of terms, incentives and options on offer meaning there is a credit card suitable for every budget and walk of life. The range of Chase credit card options covers them all.

Whether an applicant for a card is in business, in college or just interested in shopping, the availability of a card that matches specific needs means there is little trouble in getting one. In fact, quick approval processes are standard, and when applying online, approval can be granted within minutes.

But these cards are important financial tools, and the threat of debt means managing them is essential if the cardholder is to keep out of the bankruptcy courts. With Chase credit cards, a variety of benefits and carefully structured terms, help keep financial woes at bay. But what are the right terms and options for your purposes?

What Chase Bank Can Offer

It might seem like the usual marketing blurb to state that Chase credit card options are amongst the best in the financial world. But is not hard to understand why this is actually true when we consider that the Chase Bank offers almost 250 individual credit card packages, divided into 12 different customer categories.

It is, to say the least, an extensive range, allowing the small business owner to get the type of credit he needs, and the college-goer the kind of incentives that make college living a little more affordable. And because of quick approval processes, accessing the right card in times of emergency is no problem either.

Below are some suggested cards for each of 3 types of cardholder, chosen from the list of available Chase credit cards.

For The Shopper

The Chase Freedom Credit Card offers some of the best terms for regular credit card users, with some of the best incentives from amongst all the Chase credit card options. The introductory offer includes a 0% APR for the first 15 months, after which a variable rate of between 12.99% and 22.99% is charged.

After the quick approval processes, the key benefits available include a 5% cashback up to ,500 spent per quarter, and a 0 bonus cash back if purchases of just 0 are made in the first 3 months. Shopping online will earn the cardholder extra cash back benefits.

For The Vacationer

With the United Mileage Plus Explorer Card amongst the list of available Chase credit cards, the most dedicated vacationers can enjoy big benefits. For a start, 30,000 bonus air miles are granted once ,000 has been spent in the first 90 days.

The annual fee is waived for the first year, with priority boarding and bag check in privileges also available. Double miles are available when buying United Airlines tickets, helping to make it a very popular Chase credit card option. The APR ranges from 15.24% on purchases and balance transfers to a 29.99% penalty APR.

For The Business Person

The Ink Cash Business Credit Card is amongst the most popular for small business owners, with a 0 bonus cash back if the cardholder manages to spend ,000 in the first 3 months. But there are more benefits to enjoy, like no annual fee for the first year, 5% cash back on selected categories, and a quick approval processe.

Employees can also get their own Chase credit card, and the interest charged is kept low at just 13.24%. That becomes applicable after the introductory 0% APR for the first 6 months.

Friday, August 10, 2012

Great News For Users Of Our

As many of you know Equity Harvesting' using Option ARM loans and depositing large amounts of home equity into Cash Value Life Insurance has undergone much scrutiny in the past year. As I stated in my article The Wrong and Right Ways To Use Equity Harvesting! - The problem is that most agents, advisors and planners are not being taught the right ways to use it! And, it's now coming back to haunt them! Insurance companies are starting to receive complaints from policy owners who have been using the concept for three or more years. Many of these insurance companies have been compelled to put serious restrictions on the use of equity harvesting to avoid future law suites! Midland National won't accept any business where Equity Harvesting' is involved. Aviva won't accept business that involves refinancing, unless the client meets certain financial strength.

Many of the larger Broker/Dealers are very concerned about the potential for improper' use of the Equity Harvesting' concepts. Because, based on suitability requirements advisors are not allowed to recommend that a client put their home equity into any stock market type investment. (Variable Products, Mutual Funds, Etc.) It's just wrong to put people's homes at risk!

The good news is that there are Broker/Dealers and Insurance Companies that are approving the use of our Found Money Management system, tools and live advanced training courses. Ameritas Investment Corp., one of the larger, full service Broker/Dealers has approved our Living Debt Free and Truly Wealthy' Client Booklets and our Client Seminars. And, Aviva (AmerUs Life and Indianapolis Life) is in agreement with our Found Money Management concepts. (Obviously, each agent still needs to send this material through the compliance department before they use it.)

Why Do Companies, IMO's, Agencies and Industry Associations Like and Approve Our Found Money Management System, Tools and Training?
Maybe it's because we DO NOT advocate using Option ARM' loans with Middle Income Families? (We believe it's just too risky for them!) Maybe it's because we are NOT focusing on depositing large amounts of home equity into life insurance?

Our fundamental philosophy is to truly help Middle Income Families reduce and eliminate consumer debt and start saving for the future? We are helping families to properly remove home equity to lower their overall debts and improve their cash flow' (i.e. Pay-off credits cards, auto loans, or an equity line of credit, etc.) and then we use the difference in those payments to purchase life insurance and other savings vehicles. Plus, we are showing families where they may be spending their money unnecessarily and/or unwisely to further improve their cash flow and increase savings.

Found Money Management is about real financial planning for Middle Income Families! It's about helping them to establish priorities! It's Helping average people to learn how to spend, save, invest, insure and plan wisely for the future, to achieve financial independence!

If you really want to help people, then take a long hard look at our Found Money Management system, tools and live advanced training courses. And, then align yourself with a broker/dealer and a life insurance company that recognizes the value of and supports real financial planning for Middle Income Families. (We Are Not Actively Recruiting)

If you are NASD licensed, you can contract direct to Ameritas Investment Corp. by calling 1-800-335-9858. If you would like to contract with Aviva (AmerUs Life and Indianapolis Life) you can call us and we will be happy to direct you to an IMO and/or Agency in your local area that supports the Found Money Management concepts. 1-877-297-4608

There is a reason why... we have endorsements from many of the most respected and trusted names in insurance sales and financial planning... and our competition doesn't!

There is a reason why... successful insurance agents, financial advisors, financial planners and MDRT qualifiers, who have received training from other organizations, are now investing in our system, videos, audios, advisor guides and live training events!

There is a reason why... these people are doubling and tripling their income within six months! And, why they consistently earn ,000 to ,000 per month!

Wednesday, August 8, 2012

Piano Bars In NYC - The Rum Bar And Karen Brown

Last Saturday night a friend of ours had some visitors from out of town, and asked us to meet with them at The Rum Bar for a 'fun night." And a fun night it was!
The Rum Bar is located in the lobby of the Edison Hotel, right off Broadway, on 47th Street. Although I'm not familiar with the hotel facilities -and I understand the place has many that they are proud of- I am much acquainted with the Rum Bar, for over the years I've spent quite a few nights there.
For those of you who might be wondering why I'm writing this piece, let me set your mind at ease: I'm in no way connected, get paid, or receive gifts from the either the hotel or the bar. To inform my readers of what a New York City fine time is, is my motivation.
Two sections are immediately discernible as you walk into the joint; the largest piece of real estate belonging to the long bar -the altar- where the serious worshippers of the god Bacchus not only offer their libations, but also they make them disappear faster than I can change channels with a remote. A piano/organ occupies the smaller remainder of the space.
I'll talk about this: the piano bar section.
Karen Brown, the resident musician and gifted pianist-organist, plays and sings just about any song anybody can think of and request. Her repertoire is just fabulous. And if she doesn't know a song by heart, she will dig up her indexed music books and in no time she'll produce the sheets. Since I don't sing, I pretty much observe and enjoy watching Karen accommodate requests and those who wish to sing.
Besides having a prodigious musical memory, Karen also seems to be endowed with name recall and 'face recognition' virtues, for she never gets a name wrong.
For a while she sings the crowd's favorites, which range from Cole Porter, George Gershwin, Rogers and Hammerstein to Broadway Show songs, and on to more contemporary songs made famous by Sinatra, Streisand, Tony Bennett, Vic Damone, Patsy Klein, Elvis Presley, etc.
Around 10 PM, the real troopers -including some big name celebrities- from the Broadway shows begin to filter in to regale the audience with some of their own personal favorites.
Last Saturday night I had the pleasure of listening to "Sam the Drummer," who not only sang some oldies, but also told some jokes with such perfect delivery that would put to shame Jerry Seinfeld, or even Jay Leno. And should I mention that Sam is 89 years young? Who cares? The man showed the younger set what laughter and music can do for the soul and the body! Anyway, for anyone to follow him would have been a tough go indeed. But his wife followed him, and she outdid him! She sang some delightful comical songs that were even more hilarious than Sam's jokes.
As I walked around and mingled a little, I met lots of people from Europe: a couple from Wales, a group from London, and another from Norway. And of course there was a contingent of Chicagoans, who were drowning their sorrows away at having lost their bid to Rio de Janeiro for the 2012 Olympics.
For the price of a few beers and drinks (no cover), New Yorkers and visitors can have a grand time. The Rum Bar is a smoke-free facility and safe to boot. No one hassles you and if people get loud and obnoxious, the waiter -Thai, who also sings by the way- will escort them out.
For 14 years the gorgeous Karen Brown has entertained her crowd of faithful followers five nights a week from 9 p.m. to 1:30 a.m. The wood-walled bar is just right for this kind of open mike entertainment. Even if you don't sing, soon you'll be joining in and mouthing "Crazy," "Fly Me to the Moon," or "The Girl from Ipanema."
Whether you are an American or a visitor from other lands, and are coming to New York City, and if you ever want to see and hear a woman with perfect pitch-come to The Rum Bar: Karen Brown will welcome you. Just make sure you tell her Marc sent you.

Tuesday, August 7, 2012

Reverse Yahoo Mail Lookup - Here is The right way to Lookup Somebody's Yahoo Electronic mail Deal with

Yahoo is without doubt one of the most used, liked search engines like google and e mail sites. It is the one which comes after Google, so you'll be able to inform how well-liked it is. Yahoo email companies are probably the most broadly used ones. Now you won't have a yahoo account however then you are sure to know individuals who do. Now you may know that discovering out the non-public info of an individual from the telephone number is very easy however then doing so utilizing an e-mail address isn't that simple, especially if it's a yahoo id, so you will have reverse yahoo e-mail look up.

Now generally you would possibly even obtain a number of emails from yahoo e-mail ids, and you will not know to whom the id belongs to. It's then that you simply want reverse yahoo e-mail look up. This manner you'll get to know who the owner of the id is and all personal information. It is very important know concerning the proprietor of the e-mail id because it could both be a spammer or it may even belong to some good friend or relative of yours who has changed the id.

Now sometimes you may even receive lots of emails from yahoo electronic mail ids, and you will not know to whom the id belongs to. It is then that you simply need reverse yahoo email look up. This manner you're going to get to know who the owner of the id is and all personal information. It is very important know about the owner of the e-mail id since it may either be a spammer or it could even belong to some pal or relative of yours who has changed the id.

Now the perfect thing you are able to do is undergo electronic mail directories. This way you get the identify of the one who is sending you the mail. Now how do you discover these websites? Effectively, the answers easy. You simply must Google or use every other search engine and then search for websites which can will let you search for other people references using e-mail addresses. Then you definately easy click on on the site which seems probably the most appealing to you.

Then after you enter the positioning you type within the someone's yahoo e-mail deal with, of the one who is info you want. Typically these sites will ask you for a certain quantity of fee. After you pay it it is possible for you to to get all of your required details. Generally you'll come throughout schemes where you don't need to pay however then as a result of you are not paying the positioning may just not show complete information about the person you are really trying because the free sites are not aways reliable.

Subsequently it's all the time higher to go for the paid to entry directories. There are such a lot of of the paid reverse electronic mail lookup directories on the internet and it does not break the bank to make use of the very best among this directories.

Monday, August 6, 2012

Rural Property Defined by the Beholder

Defining rural property is a term relative to the person or organization you're asking to define it. The United States Census, the United States Department of Agriculture (USDA) and the Office of Management and Budget (OMB) and real estate professionals, for example, all have slightly different interpretations of what rural means in respect to their individual areas of coverage.

Real Estate Professionals

The most popular use for the term rural is when talking about the area where a piece of real estate is located. Rural property in this case is used to describe a home, vacant land or piece of real estate that is located in the country. The country is a less densely populated area than cities. When talking about rural property in this instance, it may also include agricultural or farming areas. In essence, rural is the direct opposite of the city or urban property.

United States Census Bureau

The Census Bureau offers its own set of definitions to describe rural property. Since the Census Bureau is involved in population statistics, it defines rural property areas in terms of population density. The U.S. Census Bureau states that rural property is such that there is open country and less than 2,500 residents populate the area. In terms of people per square mile, this equates to areas that have anywhere from one to 999 people per square mile of land.

United States Department of Agriculture

The United States Department of Agriculture (USDA) is the agency that oversees the Office of Rural Development, so it defines rural property by the thresholds of population an area meets. Therefore, the USDA and the Office of Rural Development define rural property as a city or town that has a population of less than 50,000 people.

Office of Management and Budget (OMB)

Office of Management and Budget defines rural areas as those areas that fall outside of metropolitan areas. Rural areas are broken down further into areas that have clusters of people that range from 10,000 to 50,000 residents.

National Center for Education Statistics (NCES)

The National Center for Education Statistics works in conjunction with the U.S. Census Bureau and the Office of Management and Budget to classify areas by population in order to determine the educational needs of the area. One of the classifications is rural property, which is broken down further into those areas that are on the fringe of an urban area, distant rural properties and remote rural properties. Ultimately, the National Center for Education Statistics considers rural areas to be the areas that are outside of an urban.

Sunday, August 5, 2012

Buy Austin Homes For Investment Through Reliable Real Estate Agents

Many people who visit Texas enjoy the warm climate and look for Austin Homes to purchase as investment or for setting up residence. Austin is the capital and fourth largest city in Texas. The real estate market is booming in Austin as many people are focusing on investment opportunities in this beautiful state where the scenery is magnificent and the weather is warm and inviting. Values of homes are now skyrocketing and people realize the necessity of building up a good investment portfolio. Investors can own homes with owner financing in Austin or the surrounding areas such as Round Rock or West Lake Hills, RX.

When the industry starts shrinking, the demand automatically goes up and this is exactly why the current sales are steadily rising since 2012. Anyone interested in learning what is owner financing, when buying properties or Austin homes, should contact the best real estate agency in the area that is qualified and experienced to handle the entire transaction. You can look for these service companies in your area through the internet. Read the testimonials and review the feedback to be assured of their quality service. The real estate agent should be able to discuss financial strategies to help you invest without using your own credit or cash. They should also be able to help you purchase home spending less cash on the dollar. They should be able to enlighten you on the way it works.

Owner financing proves beneficial to the sellers because they are able to make money upfront without the need to become a landlord. Buyers also are able to obtain loans for houses with this type of financing. Since there are many non-licensed investors who do not complete the process properly, they may put buyers and sellers at high risk by trying to cut corners because they are not 100% sure of the legal processes. Owner financing is a legitimate way to see real estate when it is difficult to get convention financing.

What is Owner Financing? The buyer makes an offer through an agent or on their own when the owner advertises his house for sale. Instead of the buyer trying to get a bank loan, the seller carries back the amount agreed upon which includes a 10% down payment on the total amount. This balance is taken back by the seller as a note and mortgage. It could also be a real estate contract or a deed of trust depending on the documents that are customary for that state. A title company carries out the closing transaction and a real estate attorney drawn up the legal documents.

An agreement is made for the amount of interest that has to be paid by the buyer per month. He will expect the entire payment to be paid within a certain period. This is referred to as owner financing, private mortgage or seller carry-back. The seller has the same rights of foreclosure if the buyer is unable to make the payments. This type of transaction is popular in Texas when you are looking to buy beautiful Austin homes in Texas.

Thursday, August 2, 2012

Managing Your Credit Card Loans

Credit cards or plastic money has become an essential in our daily life. Everything we need, any products and services can be bought in just a swipe. Without any cash on hand we can go on with our everyday routines. This plastic money offers convenience at anytime and at anywhere. It's great to have it, but if one is not vigilant in their spending practices, it could be a source of headaches and chest pains. Credit card loans or debts that piled up could be more difficult to handle than any other bills, specially if you are not good in managing your finances.

Unpaid debts and records of late payments badly affects one's life status in general. Your standing defines your status in the society. It defines one's paying capability. The higher score you have, the more opportunities are given you. Unpaid bills if neglected results to negative reports.Without the proper budgeting skills, its possible to be left with a bad loan.

Monthly bills come piling up from your mail or email. These comes from different creditors. And, you'd be surprised to know that your total bills due are much higher than the actual amount of payment you can actually afford based on your total income. As a result, you have no choice but to delay or postpone some payments that are due and this practice actually aggravates debt situations.

In cases as such, good money management is very needed. Do not to be very dependent on credit cards. As much as possible this should only be used during much needed situations. Have a lifestyle that you can actually afford, because most of the time, we may not be aware of it, but we are actually living a luxurious life that is way beyond the reach of our income's power.Make your life simple and as comfortable as you could considering your financial and economic status.

However, in times that making payments to your monthly bills become almost impossible, credit relief assistance are available. These firms help through legal methods in the settlement of your credit card debts. This will cost you some fees but it would surely lower your liabilities from your debtors. Negotiations are being made by these firms to help you out with your debts.

Private lending companies are also available in offering fast loans that you could use to pay off your outstanding card debts. These lenders would approve your loans based on your earnings and assets and not on your score. So, even with a bad standing, you can still get the needed money to wipe out your card debts.

To relieve yourself from financial and emotional burdens brought by too many bills from different debtors, you may want to consider having all of your loans consolidated.

With this, you'll just have to worry yourself in making just one payment to just one consolidated loans. No more problems or inconvenience brought about by making separate payments to different creditors. This process also benefits you by its lower interest rates and all new repayment terms, making your debt management much easier.

Credit cards should make our lives more convenient and easier. It should not be a cause of financial strains and burdens. We'll just have to be very careful enough in managing our finances and should know our life's priorities when it comes to spending.