Friday, November 23, 2012

Mafia Wars Lucky Stash Slot Machine

There is something new that needs to be added to every Mafia Wars Facebook guide. Whether you are brand new and wondering how to play Mafia Wars or you are an old pro, you will definitely want to take advantage of the new Lucky Stash Slot Machine that is being offered in the game at this time. This new feature is there to celebrate the Las Vegas event, since Las Vegas has recently gone live within the game. The great thing about this new slot machine is that there are great prizes to be won. This slot machine is a bit different than your Daily Chance tickets as well. You will find that the prizes get even bigger, depending on how many people are spinning the wheel.

Of course, you may be wondering how the Lucky Stash Slot Machine actually works, which is a great reason to consider checking out a Mafia Wars Facebook guide. Every single day you are given at least one free spin on the slot machine when you login to play. You may also see posts on your Facebook page from your friends. They are mini slot machines. Play them and you may win more free spins on the big slot machine. Of course, once you run out of free spins, you can always use your reward points to take a spin on the machine. You can choose to spin using one credit, two credits, or three credits. Of course, the amount that you can win is going to depend on the amount that you bet in the first place.

If you are wondering how to play Mafia Wars when it comes to this new Lucky Stash Slot Machine, you are probably wondering what that Bonus Meter is all about. As you play on the slot machine, at the top of the machine you will notice that there is a special bonus meter. Each time that you spin the wheel, you will see the meter moves a bit. After 20 spins, the entire meter is full and you are able to click the special yellow Bonus button.

Once you click the button for the bonus, a bonus wheel is going to pop up on your screen. You will notice that it says Loot and RP. The RP stands for Reward Points. This means that when you spin the wheel, you may land on special bonus loot or you may get some reward points as your special bonus.

There are several different loot items that you can win when you spin the wheel and get Loot. One item of loot is the Padded Suit with 45 Defense. Another is the Fugama Kameo with 46 Attack. A Few of the other loot items include Hyrotm Torso Guard, Poison Dart Frog, and the Trio Regency. The reward points that you get from the bonus can vary from 5, to 10, or even 20 reward points.

When you play on the Lucky Stash Slot Machine, if you win anything, usually you will be able to unlock a mini slot machine that you can post on your Facebook wall. This allows your friends to play the machine. As other people play on your own special slot machine, it can end up increasing the chance that you win more free spins on the big slot machine. When you see these on the walls of your friends, make sure you click on them and play to win more free spins for both of you.

If you are trying to find this slot machine, you will find that there is a special icon at the top of the Mafia Wars page. Simply click on the little slot machine icon and it will bring up a new window with the slot machine in it. Then have some fun playing on the machine. After all, you can win 1 reward point, 20, 80, 400, 5000, and even more depending on how the progressive pot goes. If you end up needing more information to use this machine or basic information on how to play Mafia Wars, consider finding a quality Mafia Wars Facebook guide to give you all the information that you need to succeed with this game.

Wednesday, November 21, 2012

Smokey the Fire Truck Review-2011 Hot Christmas Toy

Mattel has been a leader in creating big toys for little kids with big imaginations and two such toys are Rocky the Robot Truck and Stinky the Garbage Truck. In addition to this growing family, Matchbox came out with Smokey the Fire Truck as their latest release for little boys looking to get a big truck that can transform into a canon-shooting machine.

Matchbox Smokey The Fire Truck isn't your regular toy fire truck with limited features and movements. This fire truck can do a lot of things to entertain your child and in addition, it can also be assembled into a fire truck robot.

Matchbox Smokey the Fire Truck is the third member to join Rocky the Robot Truck and Stinky the Garbage Truck in Mattel's Big Rig Buddies toys. And just like its predecessors, it features a wide array of tricks that would surely entertain a child. Some of the features of Smokey the Fire Truck is that it has all the complete features a fire truck should have such as hoses, ladders, and even a canon that can be loaded up with balls.

One of the most surprising features of Smokey the Fire Truck is that it can actually talk. Don't be fooled by Smokey's strong exterior, which looks just like the exterior of a regular fire truck. Its windshield is actually its eyes, its front grill is its nose, and the bumper is its mouth, which moves and crinkles as it talks. In addition, it also has six big wheels and it can easily be transformed to stand on just four wheels instead to make it a full-fledged cannonball machine.

The real entertainment value of Smokey the Fire Truck lies in its ability to sing, talk, and even dance. Now that's a first for a fire truck. And the best part is its highly sensitive to the child's movements as well. If Smokey the Fire Truck is to be turned over by a child, it will automatically produce shout-out phrases and it will also move its two wheels, which act as its two arms.

Once Smokey the Fire Truck is standing on its four wheels only, it can then start singing and dancing as well. It has a selection of four different songs, which Smokey the Fire Truck sings and dances to in random while moving its two front wheels.

Smokey the Fire Truck does not produce real water, however, it can shoot out water cannons that can be loaded onto its built-in cannonball machine. Smokey will signal your child by saying he's thirsty-that's the cue to load the water cannonballs one at a time before he shoots it out.

Customer Reviews

Parents and children alike are very satisfied with Smokey's performance. One parent even commented that she actually found Smokey's jokes very funny as well and she was just as amazed as her child was with Smokey's features, mainly the fact that it can sing and dance and is equipped with sensors that respond to her child's movements.

- Smokey the Fire Truck is more than your average toy fire truck because it can produce lights and sounds.
- Smokey the Fire Truck is truly worth your money because of its high entertainment value-it can sing, dance, exercise, and talk.
- Its interactive features engage a child and help develop your child's speaking and motor skills as well.
- Smokey the Fire Truck can be transformed into a standing position by making it stand on its four wheels instead of the original six, with its other two wheels functioning as its arms.
- Smokey the Fire Truck has sensory features and automatically produces sounds and phrases based on what your child is doing with it such as movement sensors in its tires, which will come to life once it senses your child is near.
- Smokey the Fire Truck already comes with three cannonballs for your child to play with.
- Smokey the Fire Truck also has a sleep mode and it can also produce snoring sounds.
- All lights, movements, and sounds are produced by easy push and play buttons and levers.
- Smokey the Fire Truck can produce over 90 different phrases and sounds including funny and silly jokes to entertain you and your child

- Smokey the Fire Truck cannot produce real water.
- If you're looking for a remote-controlled fire truck, Smokey is not for you.
- Smokey the Fire Truck may be too big or heavy for little children

If you're looking for an interactive toy truck for your child then Smokey the Fire Truck is your best bet. You child will be entertained and might just learn a thing or two as well. Smokey the Fire Truck is your all in one toy fire truck and for under , it's the best Christmas gift to give to your child.

Get Smokey the Fire Truck for 17% off on our website at 2011 Hot Christmas toys

Get Smokey the Fire Truck for 17% off on our website at

Monday, November 19, 2012

How Society Works: A Few Critical Elements Summarized

Why do people do what they do? What really explains our behavior? Are those talkshow hosts and columnists really making sense?

The media, not to mention daily conversations, are filled with overly simple explanations of social behavior. Prominent examples include the "follow the money" explanation of why politicians and corporate executives do what they do. Another class of explanations explains everything in terms of reproductive urges. Everything is really about sex. Sex, reproductive urges, and money do explain some of human behavior. Most any economist, psychologist, or sociologist will say that sex and money are not complete and comprehensive explantions of human behavior.

Mass Media Influence - Television, newspapers, radio, magazines, and the World Wide Web condition our perceptions of ourselves and of what's good/bad/problematic in the world. Television and magazines are especially powerful influences on our images of beauty, success, and fitness. This aspect of the media has been so heavily, and accurately, covered by others that there is little point addressing the subject here.

Peer Pressure - People encourage us to do things, or at least plant ideas in our heads

Psychological Drives and Impulses - Emotions, errors in perception or reasoning, and drives for such things as group affiliation, safetly, reproduction, and affection exert strong influences on our behavior.
Free will is clearly constrained by individual psychological makeup and culture.

Biology and Genetics - Biology and genetics are sometimes used interchangeabley, but they are not interchangeable concepts. Genetics refers to inherited traits and the biological material that transmits those characteroistics. Biology encompasses many, many processes that occur in the human body. Biological processes and genetic traits are obviously linked to many physical and mental characteristics. Our phyiscal and mental characteristics certainly influence our lives in many ways. No geneticist would ever defend the general position that anyone with trait X will do Y.

Socialization - This is the process of learning about language, good bahevior, bad behavior, "proper" goals and aspirations, and other cultural information that we need to get along in society. Socialization does not proceed in the same way for people of a particular race, religion, ethnic background, or social class. All of this things influence what we learn.

Much socialization, arguably the most important part, occurs before age18. For a person to make a major change in how they were socialized ("brought up" in popular language) is difficult. The desire for change or the ability to succeed could well be influenced by the same socialization that's now causing a problem.

Family, peer groups, schools, churches, and the mass media are all agents of socialization. We learn about God and morality from church and family and friends. We learn the knowledge and skills deemed important for the individual, with much of the learning taking place in school. The content of the messages we encounter is largely beyond our control as children. Even as adults we can only exercise limited control of our own socialization. Rising

Standards and Expectations - I'm thinking of the rising standards that people feel they must live up to. People think that they need to do much more than their parents did. Parents need an intercom system for the baby, a minivan, a yard for the kids, and a college savings plan. This thinking is healthy for those who sell intercom systems, minivans, and suburban real estate. Parents and the natural environment suffer over things that are not necessary for proper child development, or good for the environment.

The standards for being a a success seem to keep going up and up: "He's 40 but can't afford to live in DuPont Circle (or substitute any expensive neighborhood) and drive an Acura. What a loser!" The standards for being a good provider go up with the proliferation of new, pricey products and services that can supposedly turn parents into good parents.

It should now be clear that social behavior is more than just a matter of biology or genetics or money. There is much more involved than people simply deciding to do this or stop doing that. Social forces that are hard for us to understand combine with psychology, genetics, and biology to influence us. By extension, our schools, churches, families, and governments are all influenced by various social and psychological forces.

Saturday, November 17, 2012

Foreclosed Real Estate: Do Distressed Properties Make For Smart Investments?

Foreclosed real estate can be one of the smartest investment decisions you'll ever make. However, it's not quite as easy as the late-night infomercials suggest. Before plunking down your hard earned cash you should educate yourself about the pros and cons of investing in distressed properties. The following tips can help you understand the facts and be prepared for what lies ahead.

When real estate is foreclosed it must first be placed for sale through a foreclosure auction. In order to buy auction property, individuals are required to place a minimum bid equal to the balance due on the mortgage note, along with any accrued interest, tax or creditor liens, attorney fees and other costs associated with the foreclosure process.

In many instances, more money is owed on the home than it is worth. It is rare to find foreclosed real estate that does not have liens attached. Occasionally, the foreclosed homeowner still resides in the home. The liens must be removed and the homeowner evicted before you can take possession of the home. This can be a tedious and sometimes volatile process. Therefore, it's critical to engage in due diligence prior to making an offer on foreclosed real estate sold through auctions.

When foreclosed properties are not sold through auction, they are given back to the bank. At this point, property is referred to as "real estate owned" (REO) or "bank foreclosures." Once the bank retains ownership of the real estate, the mortgage note no longer exists. Oftentimes, the bank negotiates with lien holders to reduce or remove liens attached to the property. The bank will evict persons residing in the foreclosed property, if necessary and may invest in repairs and renovations.

Bank owned real estate may or may not be a smart investment. Engage in due diligence and thoroughly investigate the property prior to making an offer. Start by conducting market research to ensure the price you pay is comparable to other homes in the area. The goal is to purchase REO properties significantly under market value.

When viewing distressed properties take along a note pad, digital or video camera and make note of necessary repairs. Most foreclosed real estate is sold "as is" and this can work in your favor. The more required repairs, the more negotiating power you possess.

Obtain estimates to determine the costs of repairs and renovations. If you plan to do the work yourself, determine the length of time it will take to complete the repairs, along with the cost of materials. Factor the cost of your time and materials into your offer. Just because you conduct the work yourself does not mean you should not include the cost of your time in the proposal.

If you are the handyman type and able to make repairs yourself, investing in distressed properties can be quite profitable. However, if you have to hire contractors to conduct the work for you, it can seriously cut into your profit margin.

Real estate owned foreclosures are purchased directly from the bank. Keep in mind that banks want to obtain the best price possible and keep losses to a minimum. Generally, banks have a Loss Mitigation Department who handles REO properties. Many banks list their foreclosed real estate on their company website. The name and contact information for the loss mitigator is usually posted with the property description.

A lesser known, but more profitable way to invest in foreclosed real estate is to locate private investors who purchase bank portfolios. By purchasing distressed properties in bulk, investors buy at wholesale prices. They then pass along their savings to individuals who purchase the property. Whether for personal residence or investment purposes, it is not uncommon to buy foreclosed homes from investors for 70- to 80-cents on the dollar.

Regardless of the method you choose, foreclosed real estate can be risky. However, if you take time to understand the process and conduct due diligence, you can make a tidy profit by investing in distressed properties.

Receive real estate investing tips from Simon Volkov, a private investor who specializes in foreclosed, bank owned and probate properties. His expertise in distressed properties is far above the rest. For more information visit

Receive free real estate investment tips from Simon Volkov, a private investor who specializes in foreclosed, bank owned and probate properties. His expertise in distressed properties is far above the rest. For more information visit .

Wednesday, November 14, 2012

Why Internet Banking Is Popular

Internet banking is a huge step forward in terms of convenience and safety in the banking world. Most banks have website and most of these web sites have areas for online banking customers. Though it cannot take care of every type of transaction for you, it does provide a great deal of ease for tedious tasks that would require you to go to the bank frequently. These sites are safe as long as you keep your information private. It is easy to set up; just follow the prompts on the site.

They will need a few days to confirm the bank account, usually by putting a small amount of money in your account (under a dollar). You will then have to go in person to the bank, prove your identity, find out how much they put in your account, and type the number in online. This is not the same for every bank, but this is the standard practice for many.

Though it is not the same as going to a bank in person (you can do nothing with cash), it is mostly just for easing the tedious monitoring of your account. Instead of waiting for your monthly statement and then trying to balance a month's worth of credits and debits, you can just follow along online every day. It makes balancing your checkbook so much easier, since you get just a couple of transactions within a few days of their occurrence.

Bills can be paid through this site, since most major companies (especially for utilities, credit cards, and cable) have similar online areas for bill payment. In this way, you can pay the bill knowing for certain that you have enough money. You will also never worry about the mail being delayed or lost.

People with many accounts find this is a great relief to see all of them together and transfer money with more ease. You can look back at what has happened in the accounts for the past thirty days. Any longer than that and you will have to go into the bank. Thankfully, since people can check up as often as they like, there is less need for going into the bank to sort out complications.

Since you are capable of viewing your transactions every day, it really increases the chances of fraud reduction. People no longer will forget if they have written a check or not, or find out three weeks later that they have been ripped off. If you see a check of yours was cashed yesterday, you will have a much higher chance of recognizing if it was actually written by you and catching the person who cashed it.

It helps because they photocopy the fronts of the checks and post them online under a check number link. You can see if it is even your hand writing. This is something they would normally have to print out for you at a bank, but here it is all at your fingertips.

There are tons of preferences to suit your needs on these sites. You can even do a stop payment transaction on a check. Read the site's literature to make sure you understand how to avoid fraud and properly use the site.

Sunday, November 11, 2012

Get A $10,000 Personal Loan With Bad Credit: It's All About Purpose

Oftentimes, people with bad credit assume that getting a ,000 personal loan is pretty much impossible. With bad credit, they think, no lender will even talk to me. However, what these people fail to realize is the importance of factors other than credit in the assignment of a loan. Though personal loans are inherently more risky than secured loans like home and car loans, borrowers with bad credit can still acquire them if the frame their application in a way in which promotes the reason for getting the loan in the first place rather than their bad credit history. This is the key to securing a ,000 personal loan with bad credit which will be discussed in detail in this article.

The Importance of Purpose

When it comes to lending money, professional lenders are concerned with a number of factors surrounding that money. Though credit is among these factors, it does not exist alone. In addition, the lender wants to know what the borrower intends to do with the money he takes. In the case of a secured loan, like a car loan, the ,000 is obviously going towards the purchase of a vehicle which is most likely needed. However, personal loans are not so closely tied to their purchases and many times lenders fear that those with bad credit intend to use the loan for the wrong reasons.

Basically, a lender wants assurances that the ,000 personal loan they offer to a person with bad credit will be used for a responsible reason. Loans that are taken out to consolidate debt or to pay medical bills qualify as solid loans. However, looking for a ,000 personal loan to finance a vacation is not such a good idea. Especially with bad credit, personal loans need to be used only as a last resort and the reasons for taking it should exhibit your responsibility as a borrower, not the reasons for your bad credit in the first place.

How to Include Purpose in a Loan Application

At first, trying to convince a lender to give you a ,000 personal loan with bad credit based on your application alone may seem impossible. After all, most online applications are pretty straightforward. This is where planning and anticipation come into play. If you fill out an online form and leave it to chance all you are likely to get is rejection. Instead, consider ways to integrate your purpose into your application consideration through a follow-up email or, even better, a phone call. By making your needs known to the lender you become a human that is more likely to receive sympathy rather than just another borrower with bad credit looking for a personal loan.

Using Your Loan

A final factor to consider when looking for a ,000 personal loan is the long term implications of taking on more debt. It is important to understand that, even if you get this loan with bad credit, you will still have to deal with the realities of your financial situation. Personal loans are really only temporary bandages, not long term solutions. Consider talking to a debt specialist about your previous issues that led to your bad credit score in the first place. Also, be aware of your budget though careful spending and accounting which takes both current and future payments into perspective.

By taking the time to assess your situation and assert your desire to spend and borrow responsibly, getting a ,000 personal loan with bad credit is a possibility for you. It is all reliant on how you frame the argument.

Wednesday, November 7, 2012

Fort Lauderdale Real Estate | Foreclosure Homes Represent 25% of Sales

We have written before about the growing shortage of foreclosure homes for sale in Broward County, along with our experience that clients face growing competition for those homes. We often see clients competing against multiple asking price offers for short sale and foreclosure homes in the Ft Lauderdale area. In fact, there is growing competition for nearly every home that is priced right on the market for right now. Today, the Sun Sentinel confirmed the current real estate statistics, which suggest an optimistic forecast for the Fort Lauderdale Real estate market in 2012.

I recently read an article on the improvements in the real estate market, and the commenter negativity towards this claim amazed me. One such commenter who claimed to be from "Yale," (the people that I know who go to Yale don't go around telling everyone who will listen, but we digress) claimed that real estate agents are less than honest because they're trying to sell real estate. He perseverated on this point in response to other commenters and called the real estate projections bogus due to the less than honest intentions of real estate agents. Not only was this somewhat surprising, it is inaccurate.

There is no one better informed about the current state of the real estate market than real estate agents. Hardworking agents who are experienced and seasoned in listing and selling homes, especially during the recession, are the people who can tell us the most about the state of the real estate market. From the number of leads per day to the average number of contracts per home to the number of days that well priced listings are on the market, the good agents out there can tell us what will happen in the market before the rest of the world knows. They support their families based on real estate activity, and these professionals' livelihood depends upon the health of the real estate market. Therefore, I see no one more qualified to validate the real estate statistics than the front linemen-real estate agents.

Note that I am not talking about the real estate agents who are less than professional, don't return phone calls, or don't seem to know the market. There are poor excuses for professionals in every line of work, and real estate is no exception. You should choose your own agent based upon experience, professionalism, and whether or not you feel comfortable working with that person. Otherwise, don't waste your time with any slack professional.

Now, back to our point about the market. Our claims about the market are in line with the statistics and the Sun Sentinel article this morning, which reports that distressed housing represents about a quarter of real estate sales in the Fort Lauderdale area. This is much less than what it was one year ago, when distressed housing accounted for a whopping 38% of real estate sales. In fact, foreclosures have fallen in Palm Beach County by an amazing 58% since 2010. These are optimistic numbers that lead us to believe that our real estate market in Fort Lauderdale is beginning to recover.

Yes, we said recover. Houses for sale in Fort Lauderdale seem to be selling more quickly (unless the owner prices the home above market value to stave off a short sale or just because he/she doesn't understand the true value of the home), and clients are having to reduce the home price less often. We often see clients having to put in 4-6 contracts before actually having an offer accepted by the bank or the owner. Last year, this simply wasn't the case. Homes for sale in Fort Lauderdale stayed on the market for longer periods of time, and offers were few and far between. Price reductions helped increase traffic, but many clients were forced to short sale their homes anyway. We are seeing fewer clients resort to short sales and more clients getting asking prices for their properties.

Is there a back log of foreclosure homes? Yes, but this isn't a bad thing. We need more homes on the market here-finding a foreclosure home to buy used to be an easy task, but it's not anymore. Our clients are having to look for much longer and compete much more for the foreclosure homes for sale in Fort Lauderdale. We welcome the new (old?) distressed property inventory, and our buyers will, too.

Condos sales in Fort Lauderdale have picked up, but Miami, Tampa, and West Palm Beach have picked up more. We see the same pattern mentioned above with condo sales here, particularly for the waterfront condos in Ft Lauderdale and on Las Olas. If you're in the market for a condo, location seems to moderate the statistics in that area of real estate.

You can read our own article reporting the statistics which support an optimistic real estate forecast for 2012 here. For those of you who laugh, just know that our clients are laughing on their way to the bank.

Mike Benton is an experienced Fort Lauderdale realtor specializing in real estate investment and sales. Find the best distressed properties andhomes for sale in Fort Lauderdale at the best foreclosure website in South Florida.

Mike Benton is an experienced Fort Lauderdale realtor specializing in real estate investment and sales. Find the best distressed properties and homes for sale in Fort Lauderdale at the best foreclosure website in South Florida.

Saturday, November 3, 2012

Home Loans With Bad Credit: Alternative Options For Better Approval Chances

Getting the funds needed to buy a home is not easy for those of use with bad credit histories. Traditional mortgage providers either avoid the risk, or charge high interest rates in compensation for accepting it, making such deals very expensive. But there are other options to consider when seeking a home loan with bad credit.

The decision to buy a home is a major one, not just because of the amount of money involved but because it requires a lifetime commitment to repay the debt. Carefully considering the options, and the ramifications of each, is essential. Securing mortgage approval with poor terms can prove a very costly investment.

But what are the alternative home loan options available to bad credit borrowers? Well, for those of us in very poor financial situations, the best two options are securing federal funded mortgages or privately funded mortgages.

Federal Funded Mortgages

Perhaps the biggest help to bad credit borrowers in their search for home purchase funding has been the Federal Housing Administration (FHA). Set up over 80 years ago, its purpose has been to ensure applicants for home loans with bad credit still have a chance to secure approval.

The mortgages available through the FHA program are structured to allow for a greater range of incomes, and are very useful to first-time home buyers. Securing mortgage approval is made easier because, on the back of FHA subsidization, mortgage providers ignore the credit history of the applicant.

This effectively means that income is the sole basis of approval, so all an applicant needs to do is prove that the home loan is affordable. Qualifying for FHA subsidizing is based on their assessment of credit status, income and circumstance.

Private Lender Mortgages

The alternative to an FHA mortgage is a private lender mortgage, which is provided by individuals willing to effectively bankroll the purchase of an FHA property. Securing a home loan with bad credit is simplified because it is easier to strike a deal with an individual than with a financial institution with a strict lending policy.

These lenders are generally to be found online, and they are willing to work on agreeing a deal around your own circumstances. Perhaps the mortgage term will be longer, or a mixture of repayment schedules and terms can be agreed. This greater flexibility makes securing mortgage approval much more likely.

Of course, if negotiating a home loan with a private lender, it is essential that their reputations are checked out. Never try to deal with an unknown lender online, as the pitfalls can be too severe. So, check out either the Better Business Bureau or Verify1st websites to make sure they are trustworthy.

Other Options

Of course, there are other options to securing a home loan with bad credit than the two mentioned above. The most plausible source is an independent mortgage broker. These are not mortgage providers, but have a network of contacts that they use to find the best mortgage option on your behalf.

The major plus of this option is that mortgage providers are contacted, and those interested in lending the funds will make an offer. So, effectively securing mortgage approval is guaranteed. But, the terms offered are usually quite poor with high interest rates.

This is why it should be the last port of call for anyone seeking a home loan. A good broker will be able to find at least competitive terms, but it is fact that approval is so certain that is the major attraction.

Monday, October 29, 2012

Significance Of Cash Flow For Small Businesses

Cash flow is one of the most significant features for running small businesses. It is one of the single most crucial reasons why many businesses fail , regardless of how good the business is. Managing cash flow is critically important in the smooth running, survival and success of any small business. This action will look at what cash flow is, and use some examples to show how cash flow can make the difference between success and failure. Failure meaning collapsing in business. If you are penniless then you are unable to pay your debts. A lot of us often use the term bankrupt' to depict this but strictly, only an individual can be declared bankrupt, which can cause a small business to go bankrupt. Small businesses are declared as in debt. The principle however is the same. Some businesses deal with so-called personal insolvency' which in effect means bankruptcy so the use of the terms can sometimes be perplexing.

Ever heard of a trade network? Here's how it works. Let's suppose a Business A wants to open a booth at an exhibition but it needs cash to do so. Business A has broken-down mechanic equipment that Business B is interested in fixing and selling. After selling the equipment he can use the cash as bartering dollars to pay for another network member's Business C display booth. Trading is an excellent means to conserve cash and it can really pay off, quite literally.

So many small businesses bill clients on a 30-day cycle. But if you have to pay your workers twice a month, this can cause cash-flow difficulties. Instead invoicing clients twice a month , One company did so and reported that more than 90% of its clients didn't mind the change because it still allowed them 30 days to pay. Another issue is bad credit and for that an effective way to prevent it, is to send pre-lien notifications to each customer on all jobs over and above a certain sum , lets' suppose 3000 dollars The notices should state that the small business is protecting its right to place a lien on the merchandise that was purchased if the bill isn't paid within the pre-set time. One large company reports that after sending out the notice, bad debt shrunk by 0,000 in the 8 to 10 months.

To increase cash flow merchant cash advance can help make a bridge leading to a successful business.

Friday, October 26, 2012

Vac Truck Safety Includes Job Site Control

Every heavy-duty vehicle should be carefully operated in order to ensure that safety can and will be given a top priority. When working with vacuum trucks, it is likewise true that the operation of this massive extraction machine must be carefully and skillfully handled to make every job operation as safe as it can be.

While proper training on the use of these vehicles is of high importance, it is also necessary that the entire job site be carefully monitored and controlled as well. Such action could involve anything from being sure that bystanders do not get too close to the work area to how well the vacuum truck equipment is used when in operation. Preventing accidents, injury, and any other problems including damage to the equipment is dependent upon having a level head and good control of the work site.

Practice Correct Equipment Use

It is important that everyone involved in the vacuum truck operation understand a few important yet basic aspects about the safe and correct use of this massive vehicle. The truck itself should be positioned so that there is as straight a line as possible from the vehicle to the work site with as few bends as possible. A straight line from the pump site to the truck is optimal as it allows for the least amount of friction and obstructions, thereby reducing the chance of clogs occurring in the hose line.

Use hoses that have the largest possible diameter as that will help to increase job efficiency; be sure that the end of the hose is properly clamped to the vacuum intake. All hoses being used should be of the same diameter; also be sure that a safety relief valve has been installed along the line. In taking these important steps, fewer problems getting the job done should be encountered.

Protect Operators and Bystanders

When working with vacuum trucks and even when a job seems completely safe and easy, it is vital to follow all established operational rules and guidelines especially regarding the safety of anyone else around the job site. This may require having another worker handle traffic control if working on a traveled street or simply keeping homeowners away from the job site when working in residential areas.

Set up signs or cones if necessary so that oncoming traffic is alerted that work is occurring; a second worker should be posted to watch for anyone coming near the truck or pumping area. Section off as large of an area as possible around the work site to create a buffer zone to prevent any vehicles or bystanders from getting too close, which can be a lifesaving option for both workers and the public.

Make Safety a Top Priority

Even though it may seem as if using a vacuum truck is a fairly safe job with accidents an unlikely occurrence, not focusing on the entire job operation can cause accidents and injury to both workers and others who may be in close vicinity of the work site. Following all safety procedures in regard to truck positioning, equipment set up, and other safety factors is essential and should never be taken for granted. Correct procedures while actually performing the job as to proper equipment use as well as wearing all protective gear is important to prevent injury to those performing the actual job operation. It is also essential to have a plan of action in case any problems should arise, whether with the equipment, workers, or bystanders.

The best fleet crews are those who know the job well and always stay safe during the procedure. Companies should provide refresher courses for all workers on updated safety measures, the correct use of vacuum truck equipment, and all other means of keeping every job site under excellent control!

Wednesday, October 24, 2012

Are Online Farsi Translation Tools Better Than Human Translators?

Sometime in 2009, search engine giant Google rolled out its Farsi translation component for its online language translator, Google Translate. The Google blog explained the new addition as its own contribution to helping in the world to understand or keep up with the important events that were then taking place in Iran. The elections were just concluded, and many peopleespecially those who spoke Farsi or had economic, political or emotional interest in the outcome of the said electionswanted their feelings thoughts expressed or heard, even if only on the Internet.

The then new Farsi translation was quickly rolled out, with Google admitting that the new language component was vulnerable to breaking, or at least, may only provide the most basic translation capability. It came out with a button that enabled Farsi speakers to contribute a better translation to a phrase or word, which will then be automatically added to Google Translate's database for the purpose of further self-improvements.

And it was true: it translated from English to Farsi fairly well, but only with the most elementary or simplest phrases or words. Trying out increasingly complex phrases produced quirky, if not, hilarious results. Remember that this was Google: if there was anyone who could make the best online Farsi translation tool, it would be Google.

However, despite Google's capability to draw upon its massive search engine databases (gathered from more than a decade of being the world's leading search engine) and utilize them to refine Google Translate's efficiency and accuracy, the results of common translation using its online tool is still far from being completely useful. You cannot use it confidently for professional or perhaps even personal purposes. Say, you have a Farsi-speaking friend, and you want to give her some rough plot outline of Steven Spielberg's latest movie, Super 8, through email. And you want to do so using only Google's free online tool (because for one, it is free; and two, yes, it is free).

However, and this is true not only with Farsi but also with other language offerings on the site, you know you cannot confidently use the online tool to convey your message in flawless Farsi. Somehow, you have that feeling that the tool might mistranslate something, and you might end up unintentionally saying something offensive, or at least, incredibly stupid.

Granted, it is hard to stay on top of the game, boasting of a hundred percent accuracy and efficiency, if you have to include Farsi translation capability into about 40 or so foreign languages (including English). For that, we have to give Google some credit. But the truth is obvious: even the best machine translators could not yet hold a candle to the average human professional translator.

At this stage of the technology, and perhaps even in the foreseeable future (say, two to five years), it is safe to assume that no machine can compare with the capability of a well-trained, well-experienced human being in terms of efficiency and accuracy in Farsi translations. Only humansespecially those who are native speakers of the language, with a healthy exposure to other culturescan provide the best translation output that one can actually use to confidently tell a friend the plot outline of some good movie.

Monday, October 22, 2012

Top 10 Books On Personal Finance

Many people entering the workforce today are making money, but are struggling to manage it. For many, personal finance is a mystery. They struggle to understand the basic personal finance principles, concepts and ideas.

Are you one of those who are struggling to manage money? Then seek assistance from the experts in the field. Read their books and learn the basics of personal finance. Gain the knowledge of saving and compounding your wealth over a period of time.

Here is a list of top 10 books on Personal Finance' which will help you manage your finances in the right way.

The Total Money Makeover: Dave Ramsey
Dave Ramsey gained popularity as the author of the best-selling book, The Total Money Makeover'. In this book, Dave provides simple personal finance advice on how to get out of debt, no matter how worse the situation is, by falsifying popular myths. He explains the concept very clearly using simple techniques, so that even a layman can understand and follow. The strategy involves how to pay-off debts by focusing on paying-off small debts first, while paying only the minimum for all other debts.

The Millionaire Next Door: Thomas Stanley
The best-selling book The Millionaire Next Door', authored by Thomas Stanley, identifies some common traits of Americans who have accumulated wealth. He says that most wealthy people do not live in Beverly Hills or on Park Avenue they live next door. The author finds common connections among millionaires after conducting a survey on them in U.S. He discovered that millionaires live below their means' and this is the secret of becoming wealthy. The book The Millionaire Next Door examines both sides of wealth equation: saving money and earning money.

Rich Dad, Poor Dad: Robert Kiyosaki
Rich Dad, Poor Dad covers Kiyosaki's philosophy and his relationship with money. The author has achieved his unique economic perspective from two different persons. The story is about two dads - one, the author's father, who was the superintendent of education in Hawaii, ended up dying penniless and the other is his best friend's father, who was a drop-out of school at age 13 and went to become one of the wealthiest men in Hawaii. Kiyosaki uses the story of these two men and their financial strategies which varied a lot. He illustrates the need of a new financial paradigm in order to achieve financial success in the new millennium.

Your Money or Your Life: Vicki Robin and Joe Dominguez
This is one of the best personal finance books which focuses on how to gain control of your money and begin to make a life, instead of just making a living. The authors explain the concept of time is money in a very literal sense and how to transform your relationship with money and finally achieve financial independence. These authors encourage readers to sort out their priorities, cut expenses, and then to seek passive income and retire early in the pursuit of financial independence.

The 9 Steps to Financial Freedom: Suze Orman
Ms. Orman, a former waitress and stockbroker turned personal-finance adviser, combined practical investment tips with more psychological advice in her first book Financial freedom. This book teaches us how to approach money from a spiritual and emotional point of view. She advises people to do nine things in nine steps that are needed to attain financial freedom. She says, when we have power over our fears and anxiety, we have attained success to financial freedom.

How to Get Out of Debt: Jerrold Mundis
How to Get Out of Debt provides step-by-step guide to getting out of debt once and for all. It is based on the proven techniques of National Debtor Anonymous Program. Jerrold Mundis was actually a debtor, and the story is based on his own experience. This book contains real tips and is based on real stories of people.

Clark Howard's Living Large in Lean Times: Clark Howard
Living Large in Lean Times is a powerful guide to save money. The book covers everything from cell phones to student loans, coupon websites to mortgages, paying electric bills, and beyond. This book paves way to financial independence and wealth. It offers more than 250 tips on saving money.

All Your Worth: Elizabeth Warren and Amelia Warren Tyagi
Warren and Tyagi will tell you the truth about money in this book. They show you how to balance your money, how to get out of debt, cover your bills etc. They make people learn how to balance money into three essential parts: 1) the Must-Haves (the bills you have to pay every month), 2) the Wants (some fun money for right now), and 3) your Savings (to build a better tomorrow). They help you to get your finances on right track. Warren and Tyagi advice not to keep complicated budgets. In this book, they both simply show a whole new way of looking at money and yourself.

After Shock: David Wiedemer
An aftershock helps you know how to protect and grow your assets before, during, and after the next global financial/economic crisis. Placing your cash in on the best new investment opportunities will make you know which jobs, careers, and business sectors will gain the most rather than lose when asset bubbles collapse around the world. The author says that for those who act quickly, there is still time to protect yourself, your family, and your business in the coming Aftershock'. Thus, this book shows you what to do right now to protect yourself from aftershock before it's too late.

The Money Book for Young Fabulous and Broke: Suze Orman
Suze Orman, the world's most trusted expert on money matters advises on how to get out of generation's debt in her book The Money Book for Young Fabulous and Broke. She depicts the specific financial reality that young people encounter today by credit card debt, student loans, credit scores, buying a first home, lack of insurance (such as auto, home, health) and the financial issues of the self-employed. She says that this generation should be aware of the urgent need to take the matter under their control.

We hope these books help you attain financial freedom.

Thursday, October 18, 2012

Gathering Data For The Credit Card Bin Search Site

The credit card bin sites are used by thousands of webmasters owning an online business, but also by the managers of huge corporations and international retail chains. It is known as the best method to check the validity of a card transaction, a method that identifies details about the issuer of a transaction using the first six digits of the card identification number. This system is called BIN (bank identification number) checker, and it is because every card is uniquely identified with this number.

While the people that are already using this service, one should certify about the legitimacy and effectiveness of the client. There are still some, who are suspicious about using this program. Here are the aspects of the credit card bin numbers database that would raise the suspicions of those clients.

How is the credit card bin numbers lookup site able to gather data from hundreds of millions of customers?

While gathering personal data of this kind from clients is illegal, the credit card bin numbers search program checks other details about the clients. The BIN system is based on a mathematic formula called the Luhn method, and the credit card bin numbers free list only generates those numbers based on this formula and the six digits BIN number. This way, the program will find out where the card was issued, by what bank, and what type of card is. As long as you don't gather personal data about the client such as the name, the pin or the address, it is perfectly legal to use this credit card bin checker download feature?

Yes, I trust this service, but I will use the free credit card bin feature, as I do not understand why I need to pay good money for a list of this kind when its information is available.

While using the free credit card bin numbers list is a reliable method to determine the legitimacy of the majority of transactions made by clients on your site, the paid version will increase the safety of the transactions to maximum. For example, you can apply filters to find out details only about the credit card bin numbers MasterCard or Visa clients, as well as other filters to identify the markets where you are successful, and the future developing directions for your business. It is just like an antivirus: you can use the free version, but the paid version offers you increased security. A smart internet pirate will never use a Visa card issued by a major worldwide bank. He will probably use a vulnerable card issued by a practically unknown bank from an exotic country. This is why you need complete credit card bin numbers checker options, with advanced filters and features. The site must recommend the best option for you, and a credit card bin system that is able to detect practically any type of card in the world. Try the free versions of the different programs available online, see what extra features are needed and go for the program that is able to give you a solution of this kind.

Monday, October 15, 2012

Semi, Sleeper Tractor Trailer Trucks For Sale With Special Dealer Financing

Semi trucks, sleeper trucks, tractor trailer semis are for sale, Semi trucks, sleeper trucks, tractor trailer semis are flooding the U.S with special dealer financing and leasing. In this market, start up and weathered businesses have the opportunity to take coventional financing or secondary off lease and repossessed financing.

In this unstable market, countless lenders have limited financial ear marked for tractor trailers, sleeper cabs, sleeper trucks tractor trailers semis. Several banks have left this trucking market and have decided to use their monies in other financial markets. In this recession, numerous over the road and big rig truck banks have simply gone out of business.

The start up and experienced business looking to come into this trucking market have run into many road blocks in this traditional truck banking arena. In the present market, numerous over the road financial institutions will require that the applicant exceed a personal credit score of 650. Even though the credit score of 650 may possibly be offered, this is only the primary of many hurdles the applicant will try to conquer.

The down payment on the leasing side may be anywhere from 10-30% depending upon your credit and time in business history. The personal and business credit will be scrunitized beyond the credit score, former bank repossessions, tax liens, child support, and judgments will be factored in by the banks.

Numerous big rig truck applicants have develop into tired with the requirements by the conventional financial institutions. Denial after Rejection has irritated the applicants, the down payment means and all the banks other requirements have made the over the road applcant look for additional solutions.

Due to this downturn, many banks have been over run with all the tractor sleepers returned due to repossessions and off lease returns. These banks have thousands of off lease and repossessed trucks on their books and is required to recondition them into working order and resell or re-lease them speedily.

An off lease big rig truck has been returned to the financial institution as the lease has expired. The lessee has made a resolve to return the item in lieu of exercising the buyout opportunity. A repossession has arisen due to a non-payment of the lessee for non payment provisions or a violation of the terms of the lease.

The leasing programs that exist these days in this secondary marketplace target want minimum credit scores in the mid 500s. Additionally, these programs require minimal down costs and less stern paperwork requirements. In this seconday banking marketplace for semi truck sales, the initiate up and veteran business is required to select a over the road out of the dealers inventories.

In addition, a quantity of tractor semi dealers are offering semi truck with no credit check qualifications.. This is a notable financial program for the company driver or the unemployed driver seeking monetary security. These dealers are extra paying attention in your down payment and your driving history than your past credit.

Each financing,program for these tractor trailers are similar however different. The buyout clauses to acquire title are accessible in these programs but one should be familiar with them fully in conjunction with the additional parts of the leasing arrangement.

The coventional and secondary marketplace financial programs are available to the following manufacturers.

Kenworth, Peterbilt, Mack, Freightliner, Internationals, Sterling, and Volvo

In finish, start up and experienced businesses have an chance for traditional credit if their personal credit and other factors permit. If standard financing isn't obtainable, then the secondary market is a remarkable chance for the semi truck driver to acquire a over the road.

Happy shopping for your semi truck new or used, and its related financing.

Tuesday, October 9, 2012

Why Getting $30,000 Personal Loans With Bad Credit Is No Lie

It is no surprise that the majority of people would consider the chances of securing a ,000 personal loan with bad credit next to impossible. The sum is high and the perceived risk is too. So, what lender would agree to the deal? Well, the truth is that, with the right application, even this loan is attainable.

It is easy to look at the loan application at face value and reckon lenders would reject it. When it comes to traditional lenders, the likelihood is actually very strong, but the growth of online lending has opened up many niche markets - such as bad credit lending. Online lenders are willing to grant approval despite poor credit scores.

Their willingness is not rooted in foolishness, however. They are bad credit lending experts, offering a route to vital funds to those unable to secure affordable deals from traditional lenders. Lending a large personal loan to applicants eager to improve their credit ratings is not as risky as it seems.

Two Kinds to Consider

There are two types of personal loans available on the market: secured and unsecured. The core difference between them is the presence of collateral with secured loan, but the type chosen can have a big influence on the chances of getting a ,000 personal loan with bad credit.

Basically, getting approval with a secured loan is much easier because it is backed up by collateral that can be used as compensation should the borrower default on the loan. With no collateral provided, income is the key hope to securing approval despite poor credit scores.

But there are problems with large personal loans, namely getting collateral that matches the value of the loan. It is no great problem when ,000 loan is being applied for, but a ,000 loan is a different matter. But if collateral can be found, the interest rate lowers and repayment scheme becomes more flexible.

How Cosigners Solve the Problem

There is a security option open to applicants that cannot find collateral when seeking a ,000 personal loan with bad credit. A cosigner is not technically security, as he or she is not required to get involved unless the borrower becomes unable to make repayments.

A cosigner is effectively a guarantor, providing an assurance to the lender than the monthly repayments will be made. This is the best possible addition to a loan application since lenders only ever want to be sure of receiving the repayments on time. So, with a cosigner the chances of securing approval despite poor credit scores is extremely high.

However, there are conditions to the deal. A cosigner has to have an excellent credit history and have a large enough income to meet the loan repayments should that become necessary. But once the right candidate is found, securing the large personal loan becomes a probability rather than a possibility.

Your Credit Scores

A final issue to consider is your own credit score, and whether they can be improved ahead of submitting the application for a ,000 personal loan with bad credit. The score, remember, influences the interest rate that is charged on the loan, which in turn influences the monthly repayment and its affordability.

Improving your score can see the interest rate lowered, thus helping to make the loan more affordable and the likelihood of approval despite poor credit scores improved. The only way to improve the score is to clear at least some of the existing debt.

Taking out a consolidation loan can accomplish this, with the right terms not only clearing the debt, but ensuring extra cash is freed up with which to pay the large personal loan.

Saturday, October 6, 2012

How To Decide On A Reliable Injury Lawyer

If the negligence of an individual harmed you, all you would like is to recover and to get on with your usual life. In order to do this, you need a good personal injury lawyer, one that understands you and wishes to obtain the best agreement for you. There are personal injury attorneys whose fees are based on the hours spent on the case and others who work on a contingency basis.

Thus, they charge you a certain percentage of your agreement, frequently one third. This may sound like a lot of money, but consider the fact that if they lose the case, they remain with no money. So all the time they spent researching, examining, interviewing, checking public records and filling motions will be useless. This is the basic motive why you shouldn't fear that the attorney who deals with your case won't prevail in court. Prior to deciding on a personal injury lawyer, it is advisable to do some research and to discuss with several of them. In case you don't have the possibility to carry out your investigation because of hospitalization, you can ask the potential lawyers to come to the hospital. While discussing with them, verify their rate of success, the average settlements they have obtained and demand several references.

If you don't want to spend a fortune on this trial, make sure your attorney takes into account all the fees regarding aspects like medical records, filings, witnesses and depositions. If he doesn't include all these expenses, don't expect him to obtain a great settlement for you. You may have to pay a fortune on these aspects in the end. While discussing the fees with your lawyer, it is recommended to write some aspects. Then, analyze them and see if everything has been included. There were cases of contracts which included hidden charges and clients didn't understand why their settlements were so low.

And the truth is that more than 50% of the settlement was used on bills and there was also the 1/3 contingency fee. Verify the rate of success of your soon-to-be lawyer. Check whether he was a certain experience in this field. You can come across attorneys who work on vehicle accidents cases and others who solve only inattention cases. It is very important to select a skilled attorney who has great references. Television commercials can't be trusted when choosing a good attorney. Frequently, the only interest of these lawyers is to have a plethora of cases, but they don't care too much about them. Furthermore, those lawyers who visit or call you without being contacted aren't trustworthy.

They are known as "ambulance chasers" and they probably won't obtain the agreement you want. If you are interested in winning this case, go for an upstanding and truthful injury lawyer that will do everything in your best interest. You can also talk to other individuals who have been through this before because they can offer you valuable references.

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Final 2:
What Does An Injury Lawyer Do?

If you end up injured because of a person's negligence, you wish for the possibility to get back to your normal life. This can only occur if you select a reputable personal injury attorney who shares your desires and wants to bring you an excellent agreement. There are personal injury attorneys whose fees are based on the hours spent on the case and others who work on a contingency basis.

Thus, they charge you a certain percentage of your agreement, frequently one third. You may believe that this is exaggerated, but bear in mind that if they don't succeed in court, no money will be paid to them. So all the time they spent researching, examining, interviewing, checking public records and filling motions will be useless. This is the basic motive why you shouldn't fear that the attorney who deals with your case won't prevail in court. It is recommend to carry out a research and to have discussions with many personal injury attorneys before opting for one. If there is no possibility for you to deal with the research, numerous attorneys will agree to come wherever you need them to. Once you get to talk to them, investigate how successful they are, how big the agreements they have gotten are and check their recommendations.

If you don't have too much money to spend, you need an attorney who absorbs all the expenses concerned like deposition costs, medical records fees, skilled witnesses and filing fees. In case he doesn't cover these fees, probably you case won't be a priority to him. These costs can sometimes reach tens of thousands of dollars. Pay attention when the lawyer talks to you about his fees and write them down. Then, analyze them and see if everything has been included. Over the time, several contracts consisted of unknown fees and clients couldn't comprehend why they received such low awards.

The reality is that more than 50% of the amount was wasted on expenses and then the lawyer took his 1/3 contingency fee. Analyze how many cases your probable attorney has won. Check whether he was a certain experience in this field. There are attorneys specialized in car accident cases and attorneys who deal only with carelessness cases. Make certain you opt for an experienced lawyer with positive references. It is not a good idea to make your decision based on a you saw on TV. Regularly, these attorneys concentrate on obtaining a lot of cases, but they don't concentrate on solving them. Moreover, you can never trust those attorneys who come to your house or call you uninvited.

These are called "ambulance chasers" and in most of the cases, they aren't very efficient. If you are interested in winning this case, go for an upstanding and truthful injury lawyer that will do everything in your best interest. You can also talk to other individuals who have been through this before because they can offer you valuable references.

Wednesday, October 3, 2012

Free Study Abroad In Europe - Attend A Top School Free!

Many tuition free universities are found abroad which allow students to opportunity to enjoy free study in Europe. If you apply directly to these schools, even being an international student and a non-European student, you do not have to pay tuition. . One example of a tuition free college is the Jonkoping International Business School. Based in Northern Scandinavia, the Jonkoping International Business School is an urban university that offers degrees in informatics, finance, business administration, commercial law, and political science studies. Bachelors, masters, and doctoral degrees are offered, and most of the classes are in English. The school is relatively small, with a total enrollment of about 2000 students, of which 25% are international students.
Just like the Jonkoping International Business School, many other tuition free colleges have strong English support due to the . Not all of these institutions focus on business though. There is a wide range of degrees and programs provided around the world, including computer science, IT, and engineering degrees. Another great school is the Royal Institute of Technology in Stockholm, Sweden or the University of Stockholm. These world-class institutions have international programs where the language of instruction is in English. Finland, Norway and even certain schools in Scotland also have a tuition free scheme that benefits those looking to study abroad for free or virtually free (meaning the cost of tuition is either waived or negligible).
There are high quality programs even medical school where one can take advantage of free study in europe. In order to participate in a free study abroad program, be aware that a list of prerequisites awaits you. First things being first, any prospective student needs to contact the embassy of his or her host country to acquire a student visa. Secondly, make sure to check with the university regarding any entry exams or grade requirements. All in all, the dream of attending college shouldn't be hindered with tuition, and in the case of the many tuition free universities around the world, it doesn't have to be. Learning more about these colleges offers you amazing opportunities few know about.

Sunday, September 30, 2012

Banks Fighting Back on PPI Claims

PPI or Payment protection insurance is designed in order to cover the monthly repayments that an individual is unable to pay or a debt which can be in the form of a loan. The reasons can be due to accident, sickness, unemployment and redundancy. However it was found that PPI has been mis-sold by several lenders through unscrupulous sales techniques. Following the Supreme Court decision early this year, many banks realized the court of public opinion was full of rage. Customers who had been mis-sold Payment Protection were simply expecting their money back. In order to prevent the financial companies mis-selling PPI, the FSA (Financial Services Authority) and the FOS (Financial Ombudsman Service) took the initiative to sort out the problems. For months many banks did indeed comply and offer compensation in line with FSA guidelines. However from August 2011 there has been a change in the winds and the banks are now trying to bolt the door by rejecting claims.

MBNA and Blackhorse in particular have started issuing rejection letters. Once a customer receives a rejection the claim must be referred to the Financial Ombudsman Service. Barclays also recently has started to issue rejection letters and this confirms that banks are attempting a damage limitation exercise. The decision letters are often generic and fail to disclose the key documents which were possibly used at the time of sale. The reason banks are rejecting claims is of course to stop paying out millions of pounds in compensation. Of course some rejections may be valid and with some merit. Customers who have complained for mis-sold PPI and who receive disappointing rejection letters often give up their claim. Many simply place the letter in the kitchen drawer and forget about it. Banks try it on and see what reaction they get.

If you have been mis-sold PPI then you can make a PPI Claim. Even if you have already paid off your loan then also you can claim for PPI. It is important to fight a PPI claim. Receiving a rejection letter from a bank is simply a setback but if a claim is presented properly at the Financial Ombudsman Service then there is a very strong chance the claim will be successful. The Financial Ombudsman Service investigates the complaints regarding the financial matters including mortgages, banking, insurance, loans, investments, credit cards, etc. Moreover you can also take the help of several well known claims companies that will help you to claim back your PPI payments. In order to find out the reliable claims company you can browse the internet. A good claim company with years of experience in this field can help you fight against such situation along with a reasonable compensation. The reliable claim company has highly knowledgeable, experienced and highly trained legal and financial professionals who ensures that each and every claim is drafted with care and attention. Moreover they handle the entire claims process including all your loan documents in an efficient manner without wasting your precious time, energy and money.

Friday, September 28, 2012

Finding Your Accountant In Finance Careers

At hand are lots of options for accounting and finance careers both in the sell as well as the business world, provided you understand exactly what you glare for along with your abilities too. You can't be ready to land a profit number likely probably the a profit number desired financial jobs in your neighborhood lacking getting your points of be of interest straight-talking along with your goals set. you'll privation to prepare for sure that you are likely to work that force complement your better assets.

Careers in finance are lots of and offered from a range of choice. You have to assert physically essential and not deciding to apply. Several options that you ought to prefer from go with an auditor post, a sponsor, together with an equity finance detective. You could even apply just be keen on a bank hand, financial records assistant, payroll supervisor, or possibly a trade and industry and credit controller. These positions provide encounters which you'll want to privation within the advance business. Lots of people start with these positions as a technique for climb greater privileged the corporate ladder.

For just approaching at every one of other career corporate finance post, you'll be able to grab the finest post and become a financial boss. It if the involves responsibility is directly on the top. A financial boss is often the person held responsible for accurately what concerns the financial matters from the specific group, small or large. On the contrary on the theme of other matters, how large the sphere container create a large diversity. You could even pursue positions be keen on sphere experts and management an accountant.

These two positions have plenty of parallels if the involves its responsibilities. When a profit number careers in finance insinuate past financial assessment-related work be keen on whats created by auditors together with other bank employees these two positions focus added after wards. Sphere experts and management an accountant could have different fort area in a variety of financial industries, yet, if it calls for their nearly everyone significant responsibilities, it's completely trust pace controlled folded keen on one.

They provide techniques to layer out-of-date financial business-related problems by analyzing great financial requirements of stakeholders and sphere clients too.

Insurance guides could and be great areas and you force uncover career options in finance. you'll acquire several things for you personally at this split second aside from shrewd vehicle career finance insurance rate along with other connected matters.

Every one of these positions is available to many of us on the contrary you ought to know the advance business is considered the a profit number vary unbreakable parts of the sphere enterprise to acquire physically in which container be an actuality. Competitors are high and force and have an extended shot supplementary willingly than you decide to move.

Yet when you realize exactly steps to start, a new to produce a strong foundation within you're in career in finance, you're on your journey to a very strong central. You might start your work in the fleeting finance job and ascend later that.

Saturday, September 22, 2012

It Is Important To Discover Your Clients Core Values

What I aim to achieve in this essay is to determine what Core Values are, and where they come from. I will describe how the Client will live their life according to those values, or not as the case may be. Also what the consequences are for the Client if their values are not in alignment with their goals and beliefs. Finally, I will look at where values fit in with goals and beliefs, and the potential for the Client to sabotage themselves. In doing so I will answer if discovering the Clients Core values is important.

Before we can discuss whether a Clients Core Values are important to discover or not, we must first seek to understand what a value is. There are numerous definitions of what values are. In the coaching arena, a value represents how people associate different values with the world at large. Here I have tried to combine a few of the common ones, and link them together.

Values are the qualities of a life lived fully from the inside out . There are no right or wrong values; neither are they principles or standards. They are the personal rules, by which we choose to live. Values are who we are right now, not who we would like to be, or think we should be. They serve as a compass pointing out what it means to be your true self.

They determine who we are, what life means to us and the actions we take. They are the must haves beyond food and shelter; these are non-negotiable for the Client in order to be fulfilled. They are unique in that they are different for each individual. Values are the supporting framework for our beliefs. Often they are developed at an unconscious level coming from family backgrounds, teachers, and peer groups. They develop over time as we develop as individuals. They are often masked by general life values , so getting beyond these reveals the true identity of a person.

A Core Value is one that is relevant to all aspects of an individual's life, not just in one life area such as career, money, or physical environment. Interestingly in The Coaching Manual it talks about values being in alignment with goals, but does not cover what values are in the whole book! The coaching model mentions step 3, values but does nothing to explain what they are.

Steven Covey refers to values being maps in our heads, or the way things should be. We are often unaware we have them and assume the way we see things is they way they really are. In Susan Jeffers book she makes an interesting reference to values as establishing your priorities, which is more in line with your overall goals, when making decisions in life.

It is interesting to note that there appears to be a large body of work that suggests a relationship between beliefs, values and goals. Which I agree does lead to fulfilment. While the latter two definitions are valid, they are not descriptive enough for me, but are included to demonstrate the broad interpretation of values.

The very reason we elicit our Clients Core Values is to understand the controlling factor behind their beliefs, behaviours and motivation. When a Client is able to live their life and honour their values on a consistent basis, then life will be fulfilling for them. They will continue to grow and develop (although this may still mean hard work at times!).

When a Client is not able to honour their values, they may lack motivation, or feel a sense of stress. A typical example is one that I have experienced myself while working for a large corporation. The corporation had its own values and missions; in order to tow the company line I had to adopt these in the workplace. What I found however is that they were in conflict with my own Core Values, and I sensed a feeling of great stress not being able to honour them. Considering that we spend a large proportion of our lives at work this is not a small issue.

By not honouring your Core Values, there may also be a knock-on effect in other areas of life i.e. relationship, recreation, finance. Some of these effects may have far reaching consequences, and not all of them of a positive nature. Therefore it is clear that only by discovery, can the client begin the path to fulfilment, and to identify what might be behind any areas of stress in their lives. The evidence I have so far supports my statement.

Values clarification and elicitation exercises are helpful for the coach to get to know the Client, and for the Client to know themselves. Both can use values to facilitate choices, take appropriate actions and recognise which values are an issue. There are a number of ways in which we can discover our Clients Core Values. They all seek to uncover the values that are already there. Nicola Stevens suggests using questions that can assist in clarifying a Clients values. By using negative and positive situations for them to recall, you can draw out clues to those Core Values.

In Co-Active Coaching they ask the Client to describe their values in their own lives. They can refer to a peak moment in time that was particularly rewarding or significant in their lives. This pins down how they were feeling, or what values were being honoured at that moment. There is also mention of suppressed values where the opposite extreme is identified. For example when a Client is angry or upset, a value may have been violated. This value can then be identified and explored.

A further way to define the values is to use a values elicitation exercise which as an outcome will produce a prioritised list. This allows the Client to asses each value in turn, and to give them a weighting. A value based decision matrix is an exercise designed for Clients to prioritise their values and review them over time. Where values score low, these could be good opportunities for further exploration.

In Pam Richardson's book The Life Coach , she also demonstrates an alternative way to elicit core values. She presents a values cycle where the Client fills in a value in each segment, and on a scale how much that particular value is being honoured right now.

These are all good ways to elicit the Clients Core Values, without getting them to select them from a checklist. The reason a checklist should be avoided is that Clients may pick words that describe how they would like to be, or what they think other people want to hear. Also they may not be the words that the Client may naturally use in their vocabulary and therefore may not feel a strong affinity to. However I see the disadvantage of the values cycle is that it conditions the Client to thinking they can only have a number of values consistent with segments in the wheel (8 in the example). While it addresses the values and how they are being honoured at present, it does not go deeper to classify them in any particular hierarchy.

Once the Core Values are discovered, you can see how much a Client is honouring these values. They may take weeks and months to finalise, and do not always get done in the first pass of any exercise. They will also change from time to time which is to be expected, to reflect where a Client is in their lives, and also if that value still serves them.

Although initially you would do this on the Clients whole life in general, it may be fruitful to repeat the process in other areas of the Clients life such as Career, Financial, or Recreation. There may or may not be differences in the Core Values, however if there is an area of life (wheel of life) that is scoring low, then this may suggest a misalignment of a value.

The order of hierarchy will determine the weighting of a Core Value. The highest will have the greatest influence on an outcome. If the top value is in conflict with another value, then a mixed outcome is possible. Often the Client will say the first thing that comes into their heads. Sometimes they will state a value in order to project a specific impression of themselves. Comparing the values after doing the values elicitation exercise is very helpful to a Client in raising their awareness of where they are now in relation to their values.

The Coach must be careful in interpreting the words that the Client uses to describe a value. They could have completely different meanings for both parties. Often a Client will use a Chunk word for example Family, which when probed deeper may reveal spending more time together, or sharing which may be the true value. Therefore a good Coach would ask the Client to explain what that particular word means to them.

It is important that values are in alignment with the Client's vision and beliefs prior to them setting goals. If it is not done in this sequence, then the goals the Client may choose to pursue may not give them true fulfilment. Important life decisions are easier to make and the outcomes are more fulfilling when based on well understood Core Values.

Steven Covey states that in developing your personal mission statement (goals), your values should guide you , supporting the earlier definitions. Julie Starr in The Coaching Manual also states that often a goal out of alignment requires a Client to go back and check their values, and when done correctly can increase motivation towards that goal. I support both arguments and think that alignment is a key principle to a fulfilling life.

A simple way to check this is to ask the Client how achieving a particular goal will honour or fulfil one of their Core Values. If the goal does not then this is one area for future work. Although goal setting is not part of this study, it is mentioned here for completeness.

Values have an impact on our beliefs, which together contribute to our goal setting, and what we wish to achieve. This is sometimes referred to as the unstoppable combination , when values, beliefs and goals are in alignment. I think that this describes the alignment completely, and that values are only part of the jigsaw.

When a Client honours their values they support motivation and purpose for action. They undermine the work of the saboteur because action based on values is more powerful than the saboteur's reasons for not taking action, or taking some other course of action. Lastly they will go on to lead fulfilling lives.
In the NM Practitioner Diploma workbook, it states that no goal will give you true fulfilment unless it is congruent with your personal values . It then goes on to say all goals, dreams and desires are simply the vehicle for fulfilling our values. I fully agree with these statements and it is supported in the earlier reference to the definitions. There is a clear link between goals, beliefs and values.

In conclusion I feel that discovering and understanding your Clients Core Values is fundamental to an effective coaching relationship, and should be done sooner rather than later in the process. They are important for the following reasons.

Values determine who the Client is right now. Values clarification is helpful for the Client to know themselves and what makes them. Equally it allows the coach to get to know the Client. Values can help facilitate choices, take appropriate actions and recognise which values are an issue. They are part of the unstoppable combination , when values, beliefs and goals are in alignment.

There are various methods and techniques to elicit your Clients Core Values. It is not critical which one you use. I personally favour the values elicitation exercise in the NM Practitioner Diploma Workbook. What is important however is to avoid giving your Client a list to choose from. Remain mindful of their interpretation and meaning to the words they use to describe a value for them.

When a Client is able to live their life and honour their values on a consistent basis, then life will be fulfilling for them. They will continue to grow and develop.

Co-active Coaching-Whitworth, Kimsey-House, Sandhal, Davies Black ISBN 9780891061984
The Life Coach - Pam Richardson, Hamlyn ISBN 0600609316
Learning to Coach - Nicola Stevens, How to books ISBN 9781845282714
The Coaching Manual - Julie Starr, Prentice Hall ISBN 9780273713524
The 7 habits of Highly Effective People-S.Covey, Franklin Covey ISBN 9780684858395
Feel The Fear And Do It Anyway - Susan Jeffers, Vermillion ISBN 0091907075
Noble Manhattan Practitioner Coach Diploma Workbook

Thursday, September 20, 2012

Top 10 Lottery Horror Stories

Not very many people win the lottery, but of those who win, many lose all their winnings and end up with less money than before they won. Some winners were simply foolish, some were greedy, some had greedy relatives and friends, and some fell prey to thieves and crooks. Here are the stories of 10 people who won the lottery then lost it all.

#1 Evelyn Adams

In 1985 AND 1986, Evelyn Adams won the lottery - equaling a total winning of .4 million. However, today - she has no money "Winning the lottery isn't always what it's cracked up to be," says Evelyn Adams, who won the New Jersey lottery not just once, but twice (1985, 1986), to the tune of .4 million. Today the money is all gone and Adams lives in a trailer. She lost money in slot machines, and couldn't seem to say no to relatives and friends. Evelyn's big win ended in a big loss.

#2 William Post

In 1988, William Post won .2 million in the Pennsylvania lottery but now lives on his Social Security. Post's former girlfriend sued him for a share of his winnings and one of his brothers was arrested for hiring a hit man to kill him, hoping to inherit a share of the winnings. His relationship with his other siblings was also strained and he spent some time in jail. Within a year, he was million in debt and eventually declared bankruptcy. He now lives on only 0 a month and food stamps.

#3 Suzanne Mullins

In 1993, Suzanne Mullins won .2 million in the Virginia lottery. Now she's deeply in debt to a company that lent her money using the winnings as collateral. She borrowed 7,746.15 from this company, but eventually stopped making payments on the loan. She blamed the debt on the lengthy illness of her uninsured son-in-law, who needed million for medical bills. Needless to say, her lottery win did not end in happiness.

#4 Ken Proxmire Ken Proxmire won million in the Michigan lottery. Within 5 years he filed for bankruptcy after moving to California and starting a car business with his brothers. He has now returned to his job as a machinist.

#5 Willie Hurt

In 1989, Willie Hurt of Lansing, Mich., won .1 million. Only two years later he was broke and charged with murder after spending his fortune on a divorce and crack cocaine.

#6 Janite Lee

In 1993, Janite lee of Missouri won million. Lee was generous to a variety of causes, including various political organizations, education programs and the community services. According to published reports, eight years after winning, Lee had filed for bankruptcy with only 0 left.

#7 Southeastern Family

In the early 1990s, a Southeastern family won .2 million. In almost no time at almost all of their winnings were spent on a huge house, cars, and various requests from family members. They bought a huge house and succumbed to repeated family requests for help in paying off debts. Eleven years after winning, the couple got divorced, the house was sold and what was left of their lottery winnings had to be split.

Friday, September 14, 2012

The How to Guide With Astrive Student Loans

Getting an education is one of the best ways to increase your income. Paying for it might be one of the most important lessons you learn. Astrive Student Loans can be the answer to your increasing your income through education. Let's talk about what you need to apply for an Astrive Student Loan.

First you have to be at least 17 years old. You need to have a college or university picked out, and you need to plan on attending at least half time. Your desire to get ahead is respected by Astrive Student loans and if you have worked at the same job for at least 2 years, and have established credit for 21 months you are well on your way to achieving academic success.

If you have not worked and established your own credit but you want to go to school then think about finding someone who would be willing to co-sign your loan. It is important that they have good credit so your plans can move forward. Creating a loan with a co-signer will make you responsible for the payments and help build your credit, and the good credit of your co-signer will be rewarded by Astrive Student Loans with lower rates and fees. The security of a good co-signer can help keep your costs down, making it easier to pay back your loans, and even speed the loan process up.

Depending on the school, and how many credits you are taking you could be eligible for as much as ,000 per year with a minimum of ,500; with a life-time cap of 0,000. Astrive Student Loans charge no additional fees to acquire the money you need to further your education. They do want you to start thinking about repaying the loan right away and have many options for doing so.

Many students choose to utilize the money during their education, and begin paying back the loans after graduation; remember you have to be in school at least half time to put off paying your loans until graduation. If you choose to begin paying the interest while you are in school you will avoid creating interest on the interest. The smartest way, especially if you work, is to begin paying the loan back immediately, which will save you money in the long run and start creating good credit right away.

Around 20 years seems to be about the maximum time to payback your student loans, with a minimum payment between -. There are no penalties for early payment, and in fact early pay-back is encouraged. Paying back this loan will yield you better money than a savings account; in the long run. Interest rates are variable. So to recap you want to go to college. College will increase your income. You are at least 17, and a United States Citizen. You have a good co-signer or a job for the last 2 years and 21 months of good established credit.

Monday, September 10, 2012

Bad Credit Loans For Nurses - An Answer To Your Fiscal Worries

Monetary demands are ever increasing. Therefore, in particular for nurses who face a problem of availing advances because of their poor financial status there is a solution in the form of bad credit loans for nurses. These finances help nurses to satisfy their requirements without any difficulties. Hence, they prove to be an answer to all fiscal worries for nurses.

The amount that can be acquired through this form of credit extends from 200 to 25,000. This range is sufficient since it corresponds to the cost of demands including the purchase of a car or the renovation of a house. At the same time, the applicant must keep in mind that this amount is repaid within 1 to 10 years.

The applicant also benefits as these advances are available in the secured as well as the unsecured form. Thus, the borrower gets the opportunity to make an appeal through anyone of these formats. According to secured advances, the applicant can draw a large amount as compared to unsecured advances due to the pledging of collateral. On the other hand, the applicant is entitled to pay a high interest rate on unsecured loans.

The lender puts forth an eligibility criterion which is to be followed. He must be a UK citizen to apply for this form of cash. At the same time, he must attain 18 years of age or more. He is also required to maintain an active bank account and must work on the basis of a monthly income.

There is an advantage for the applicant to sit in one place and register his application with an online lender without getting out of the house. Therefore, this method of application for a loan is very beneficial as it provides all facilities to the borrower without any processing fees. Thus, it is significant due to its easy availability.

Thursday, September 6, 2012

Capitalize The Unforeseen Expense With An Instant Borrowing Through Payday Loans

Looking from above everything seems to be flowing in a positive direction. But, from inside research, the recovery of the UK economy is expected to be quite slower. Hence, it is likely to return to the levels of pre-crisis in the coming times.

On the other front, the banks have also given a warning bell regarding the rising inflations that are set rise in the coming future. As a result, it has become quite difficult to meet the needs and requirements that are set to come up in the near terms. But, the way there is a saying that where there is a will there is certainly a defined way. Therefore, in order to overcome any unforeseen expense arisen due to financial shortage payday loans are the best solution.

What are Payday Loans?
Payday loans are a short term lending offered in the form of a small amount and does not demand any kind of verification. These are brought in demand as a way to help cover the most unexpected expenses until the borrower receives his/her paycheck. It is also better known as a check cashing, payroll advance and deferred deposit. Hence, this is one of the shortest route to access emergency amount.
However, here the borrower needs to maintain some caution as in the payment should be met on the given frame of time. Since, these are short term loans, the cost of borrowing or it can be said that its APR is quite high. Who all Can Apply?
Nevertheless, being a short term borrowing, the borrowers with a good credit or a poor credit could easily seek this borrowing. Moreover, there are few eligibility criteria that are required to be mend in case the borrower needs an instant amount. They are as follows:

* The borrower should fall between the age group of 18 85.
* The borrower should have a regular source of income and should pick the minimum salary up to 750 per month.
* The borrower should be the domiciled of the UK and
* Should hold a valid checking account in any of the banks of UK.
Therefore, an individual holding all these mentioned criteria could easily attain the desired amount. Advantages of Payday Loans
After seeking payday loans, the borrower is blessed with an infinite advantages. They are as follows:

* Quick Cash: It is considered to be one of the most amazing advantage of this form of borrowing. Here, the demanded amount is directly credited into your account within 24 hrs of an online application.
* Manages your credit rating: There are times when the borrower has to go through the most tough phases of their financial situations. If you are encountered with an urgent payment at the mid of the month but, the monthly budget is insufficient to hold the load. Thus, at such circumstances instead of further exacerbating your credit profile you could easily go for short term lending.
* Easy borrowing: An unforeseen expense arisen could easily be overcome by making an online application. Here, the borrower is just required to fill up an online application form after which the amount gets approved and hence it is credited into the mentioned account. Thus, payday loans are the best way to cover your urgent expenses.

Tuesday, September 4, 2012

Getting $25,000 Personal Loans With No Credit Check

There is no denying that a large loan can come in extremely useful when trying to take control of financial problems. But getting the funds in the first place is the tricky part. Thankfully, the availability of a ,000 personal loan with no credit check makes it very possible.

There was a time when having bad credit scores was enough to create great doubt over the ability to get even a small loan. But the economic collapse of recent years has meant that even honest borrowers have been affected badly. Now, to get approval despite bad credit is no longer out of the question, even with a large loan sum.

What is more, because of the rise of online lenders, the personal loans on offer are much more affordable than might have been thought. And the fact no credit checks are carried out means that these lenders are happy to accept the risk that comes with ignoring bad credit histories.

Why No Check Loans Work?

There can be no surprise that bad credit borrowers are happy if their credit histories are ignored by lenders. But it is perhaps surprising that online lenders are so willing to do so. After all, by granting a ,000 personal loan with no credit check they are leaving themselves vulnerable to borrowers with terrible track records.

But their calculations have been quite exact, and it is known that the attraction of getting approval despite bad credit is strongest amongst those who want to rebuild their credit reputation. So, the offer of no credit check is more likely to attract a multitude of reliable borrowers, more than outweighing the risk of losses.

Also, even with the competitive interest rates, the rate is still higher than normal. This means that the lender ends up making a profit anyway. So, regardless of the type of personal loan taken out, profits will be made.

Aspects to Remember

Applying for a ,000 personal loan with no credit check seems like an ideal loan transaction, but there are some pros and cons to it. Not least amongst the list of negatives are the compromises that need to be made, while there is also the massive plus of applying with confidence.

In truth, that is the biggest advantage, with the likelihood of getting approval despite bad credit so strong that access to much needed funds seems almost guaranteed. It means even those with a terrible credit history can get the green light. But, there is no actual guarantee, and meeting criteria remains the core aspect of the application.

On the negative side, the interest rates charged are going to be higher than normal, even if they are better than those charged by traditional lenders. The higher rate is in compensation for the risk undertaken and means that over the lifetime of the loan, the amount paid in interest is much higher. This kind of personal loan, therefore, is not the most cost effective.

Why Online Lenders are the Best Option

Going to traditional lenders for your loan needs is a natural choice for millions of people, but it is also the expensive option. The best options available are from online lenders, mainly due to the lower rates and more flexible repayment schedules they offer. This is telling when it comes to getting ,000 personal loans with no credit checks.

Online lenders are experts in lending to bad credit borrowers, with their loan packages suited to those who are recovering their financial reputation. For this reason, the chances of getting approval despite bad credit are much higher.

All this makes the online lender impossible to beat, though it is always important to trust the lender. So, check their reputation out on the BBB website before deciding on a personal loan deal from them.