Thursday, May 31, 2012

Leasing Commercial Real Estate Steps - Analyze, Inspect, and Secure!

Leasing commercial office space is a common issue to which many business owners devote much thought. Success or failure in this decision relies on one's ability to select and then negotiate for commercial real estate that is best suited to a business. After selecting the right location for the company and making the final rental decision, the next phase is the leasing process that will involve formulating significant portions of the lease agreement. The following is this process from start to finish.

Step 1: Analyze the Lease Requirements and Needs

The rapidly changing business world believes that the words growth' and risk' are interchangeable. When securing commercial property for a business operation, it is both exciting and frightening. A company undoubtedly aims for success but may encounter several hazards along the way. This is common in running any type of operation, so an owner must stay focused and concentrate on fulfilling all basic goals.

Basic Goals in Acquiring New Property:

Growth - The new location should provide room for business growth and expansion.
Transferable - The agreement should be transferable without penalty.
ROI - The new location should deliver a high return on investment during the entire length of the contract.
Increase Profits - The new location should help increase cash flow to counterbalance the cost of relocation and still allow for a positive net income for the company.

Terms of Lease

To avoid future complications, it is important that a business owner understand and analyze the terms of the office lease. Both tenant and landlord should know the obligations, terms, and conditions relevant to the property rental.
The terms of the lease should clearly outline the following:
Length of Contract Clearly state when it begins and ends.
Monthly Payment Declare any escalation of the monthly rent.
Annual Lease Amount - Outline the total rent paid in a year.
Category of the Lease State specifically whether net or gross category.
Clauses - As applicable for both tenant and landlord.
Renewal - The right to renewal of the agreement, usually by both parties.
Obligations of Both Parties Specific declaration of who is responsible for what office items, such as renovations, repairs and maintenance.
Security Deposit How much of a deposit is required as well as any conditions for its return to the tenant upon satisfactory completion of the contract.
Rights to Termination Defines how both sides may terminate the contract.
Taxes Itemization of which party is obligated for assessed property taxes.

Working Space Requirements:

Utility and amenity services
Furniture and equipment
Physical dimensions
Proper lighting
Dividers for office cubicles

Step 2: Inspect the Premises

After determining the basic company requirements, it is important to visit the various properties available for rent for space planning and general comparison purposes. Ensure that the new location will satisfy the needs of the company.

Step 3: Secure Necessary Documents

Once a decision has been made as to which property to lease, the final documents must be drawn up to process the lease agreement. The documents needed are:
Letter of Intent
Offer and Acceptance Agreement
Lease Agreement
Fit-out Period

All documents should be prepared ahead of time so that either party can have the paperwork reviewed by a real estate broker or attorney if necessary.

The commercial lease process can be lengthy; with the proper guidance, it can be headache-free and a successful outcome for both the landlord and tenant. For those interested in the final steps of Advice, Negotiate, Forms and Handover,' that portion will be covered in another article. The first steps listed here to analyze, inspect and secure will hopefully head any business to securing the best commercial office lease for their company!

The Perks of Leasing a Car

Are you in the market for a new vehicle? If so, leasing a car is definitely something to consider. Choosing leasing over buying has a number of significant advantages, as car leasing deals include vehicles with all of the latest entertainment and safety features, as well as maintenance packages and decreased monthly payments.

Car lease deals bring new and luxury vehicles into your price range, making it easy to lease new cars without breaking the bank. Most car leasing companies allow you to customize your new vehicle to include neat entertainment features such as ports for MP3 players and rear seat entertainment. You can also enhance the convenience, comfort, and style of your car with GPS systems, back-up cameras, leather interiors, or polished veneer surfaces. Plus, when you lease new cars, you're leasing some of the safest cars on the market. Protect yourself and your family with side airbags, rollover prevention technology, and emergency response systems. Some cars are even smart enough to monitor blind-spots and lane departure, or to detect and brace for collisions before they occur.

Next, car lease deals often match the length of the manufacturer's warranty, so that you never have to worry about paying for your own basic repairs. Many car leasing companies offer on-site maintenance for all of the makes and models they lease, which means you won't have to go hunting for a new mechanic.

Want to save money every month? Leasing a car can help with that too. The monthly payments for car leasing deals are generally 30 to 60 percent less than even zero-interest car purchases. This is because purchases require you to pay the entire value of a vehicle over time, while car leases only charge you for the expected depreciation during the lease term.

Leasing a car boasts one other important perk: it allows you to be flexible. Buying a car is a long-term investment, and unloading your vehicle requires the hassle of a trade-in or sale. Alternatively, car leasing deals only last for a set amount of time, so that you're not signing up for any long-term commitments. If you get a new job in a location where you don't need a car, for example, or find out you have one or two new members of the family on the way, all you have to do is wait until the end of your lease to return you vehicle. Of course, if you want to keep driving your lease vehicle, most car lease deals include an option to buy as well.

Even with all of these perks, some drivers are still intimidated by car leasing. Isn't it complicated? It's true that car lease deals involve a variety of factors, but these concepts are easier to master than you might think. The most important factor is the residual - your vehicle's expected depreciation over time, which determines the cost of your lease. Fortunately, the internet is full of leasing guides and information on residuals by make and model, so you educate yourself before leasing a car.

Wednesday, May 30, 2012

How to Pick Your Best-selling Niche Market on Ebay

Many of us dream of working from home by advertising products on Ebay. But what are we going to sell? And how would we understand if a market exists for the items we have? To get out of listing items that nobody requests, or items surrounded by an already flooded market, various examination is in order. The aim of this examination is to hit upon your niche on Ebay. Through a concrete aim to make it, a willingness to bestow a percentage of your time, and an comprehension that a diminutive research can make a difference in profitable eBay selling, somebody will be able to succeed. However, that is not what in actual fact happens.
Many Ebay sellers make available their supplies within individual niche -- or a productline that a particular group or company within the 157 million-member eBay marketplace. Some include a handful of niches that they focus in. The solution is to discover a group of products that you're already familiar with. However, do not create a item for consumption and presuming that there will be a market intended for your product. That is the very motivation why 1000's of beginner sellers fail on eBay practically everyday.
Perhaps you've been a collector of antiques for several years. If so, you perhaps know when you come across an item that could probably sell for a good quantity of money. Similarly, you have a good proposal of which items are likely to collect fibres on your shelves. You can put this information to work for you on Ebay. Your competence with antiques offers you an edge on top of loads of competitors.
Once you obtain a good idea of the niche you wish to fill, it's time for the second half of your preliminary effort. Start a spreadsheet that lists the different variations of items you would like to sell. Then add a monetary value to every entry. This displays how much you can look ahead to to purchase the item for. Be realistic; you desire to lay out an accurate likeness of how a great deal money you will be spending to build up your inventory. Optimism won't help in this circumstance.
Expand your spreadsheet to include other niche markets, just in case. These can be items you enjoy working with, have expert knowledge of, or something you've always had an attraction for and think you could be successful with. Remember: no matter what your niche is, someone will buy from it as long as you list quality items at sensible prices. Approximate the initial asking price of each item, including shipping and sales tax. Then prepare to immerse yourself in Ebay as your study begins in earnest.
Go to Ebay and search through the completed auctions. This allows you to see the actual value that items akin to yours have sold for. Is the average price something you could live with? Remember to factor in shipping costs. Also, pay attention to the quality of the sold items when deciding whether this niche is something you wish to pursue. Items in mint or like new condition will bring considerably higher prices on Ebay than worn, scuffed items.
Now reflect on your findings. Did the completed Ebay auctions fetch your target price, or were the closing bids uniformly low? Did any of the items fetch a surprisingly high amount? If you were unimpressed by your findings, go back and consult your spreadsheet; it's time to start researching one more niche.
If your observations were typically optimistic, you may have found your Ebay niche already. In that case, go out and begin building up your supply. Don't go overboard; you're still in the testing phase. Purchase a dozen or so items at fair prices. Then list them on Ebay.
For many sellers, waiting is the hard part. However you'll need patience for this chapter of your niche-finding undertaking. Examine your listings and perceive how they achieve. If they do well, you can build up your stock even more and intensify your listings. If they don't quite live up to your expectations, you can go back to square one. Decide on another niche from your spreadsheet and start researching it.
The secret to finding your niche on Ebay, as with many problems in life, is only to in no way quit. If you have a wide range of interests, you're more likely to find a effective niche that you will enjoy filling. Think of all the things you have the benefit of doing, making, or collecting. Then come up with a list of ten items related to each. This sort of brainstorming is a sure-fire remedy for pushing past your seller's block. Let your imagination roam, and you'll carve out your Ebay niche in no time.

Thursday, May 24, 2012

The Important Aspects Of Knowing Your Credit Standing

The results of a credit report, or credit report scores, have become a way of life for most people seeking loans, mortgages, credit cards, and even certain types of employment. Some credit monitoring companies keep the issue front and center in people's minds through catchy commercial jingles, as well as TV and email ads. Let's explore why regular personal credit monitoring is so important.

Personal Credit Bureaus
The primary purposes of personal credit bureaus are to monitor your creditworthiness, confirm your identity when you apply for credit, and validate your background information for any other types of borrowing requests you make. This combination of factors helps lenders determine if you are a good risk for various types of credit or loans.

Equifax is one of the most well known credit monitoring agencies among the "Big Three" that also includes Transunion and Experian. The company helps individuals and businesses to monitor their credit on a daily basis, prompts alerts to any significant changes or potential identity theft, and provides unlimited access to credit scores, along with an estimator to determine how different actions can affect or change scores. Equifax uses its own exclusive scoring model with scores ranging from 280 to 850.

Purposes of Credit Reports
In the process of evaluating your eligibility for credit cards, loans, or mortgages, various companies review your credit report for the following purposes:
Determine your current indebtedness.
Ascertain your on time or late payments on current debts.
Discover the types of credit you use and how often you apply for credit.
Review open accounts.
Compare credit used vs. credit limits.

Primary Reasons to Monitor Your Credit Report
There are three primary reasons to regularly monitor your personal credit score and keep track of what is on your credit report:
1. Know who is viewing your credit report and why. It can be surprising to see who is peeking at your credit report. Some of these may include phone and utility companies; car dealers; store owners and online merchants who offer charge accounts; credit card companies; and your bank or credit union. Even some employers now look into people's credit reports, particularly if the potential employment is in areas dealing with managing money and other assets. These may include banks, credit unions, other financial institutions and brokerage firms, government jobs, and jewelry manufacturers and retail stores.

2. Confirm no identity theft is taking place. This is one of the most essential reasons to consistently monitor your credit report. If you see strange transactions that you know for certain are NOT yours, you can immediately notify the credit bureau. This enables the bureau to investigate and remove harmful data from your credit report that can adversely affect your scores and limit future credit or loan options. The bureau can also insure you against damage done if identity theft occurs.

3. Maintain a good FICOscore. FICO is a proprietary or exclusive scoring model used by the Fair Isaac Corporation to determine your credit worthiness. FICO, similar to Equifax, uses a range of scores from 300 to 850 to indicate credit risk; the higher scores signify lower credit risk, while the lower scores represent higher credit risk. Anything from 632 and under is considered bad to poor. Average FICO scores typically start at about 633, while excellent scores begin around 752. Higher FICO scores improve your chances for approval of credit cards with higher credit lines, as well as approval of significantly higher loans and mortgages.

So do you know YOUR personal credit score? Are you aware of what is happening on your credit report? If not, learn what your rights are regarding your credit report and credit scores, and begin monitoring them consistently. You have the right to receive one free annual credit file disclosure or credit report. Beyond that, you may choose to invest in the special services of Equifax or any of the other credit monitoring agencies. Warning! Keep An Eye On Your Credit

Wednesday, May 23, 2012

Different Types Of Futures Traders -- Hedgers

In Trading Futures, there are actually 4 types of futures traders active in the Futures Market. Each of these brings liquidity to the Market place needed for smaller investors to make a profit. You will see these 4 types of traders active at the largest US futures exchanges, the Chicago Mercantile Exchange (CME) and the New York Mercantile Exchange (NYMEX). If you are a futures trader, chances are, you will be one of the following...Hedgers, Speculators, Arbitrageurs and Spreaders. In this article we'll start with the first, hedgers.

What is a Hedger? Hedgers primarily deal with the commodities side of Futures Trading. You can be either a buyer or seller of Futures contracts and still be a Hedger. The whole idea behind hedging is to mitigate risk. There are those who buy Futures, for example, manufacturers who buy commodities or airlines who buy gas.

Lets look at a prime example of hedging Futures.

Take a bread manufacturer. When a bread manufacturer knows that he will be making a purchase in the future for wheat, he takes a long position (buys) futures contracts to hedge his position. Say the bread manufacturer wants to sell 1,000 loaves of bread weekly. He knows how much wheat he needs over the next year. He knows the current market price of wheat and wants to mitigate his risk, or hedge, so he works out a futures contract with a wheat grower to buy so many bushels of wheat at the current market price to be delivered over the next year. That way, should the price of wheat go up at any time, he has covered his bases by locking in his price ahead of time. What would happen if there were a tornado, or a flood and wheat became scarce, the price would skyrocket. So this way he controls the price of wheat and knows exactly what price to sell his loaves of bread for in order to make a profit.

Lets look at the other side for a moment. We know why someone would buy futures contracts to mitigate risk. Why would someone take the other side and sell the contracts?

If a farmer knows that he will be selling his wheat at harvest time, he would take a short position (sell) futures contracts to mitigate his risk. He knows what the current market price is. If he arranges a contract at the current price for a future delivery (namely after harvest), he is guaranteed the current price. Say that come harvest time, the price drops because there is an abundance of wheat. By arranging the price ahead of time, he has already locked in his sale. He knows how many bushels he will reap, what his profit is, etc.

There are a multitude of contracts that can be hedged. Certainly the commodities, wheat, rice, corn, soy, etc. There is also silver and gold. A dental lab, for instance, buys a futures contract in silver and gold, knowing they use the product for fillings. Airlines buy gasoline / diesel futures contracts years in advance for future delivery when the price of crude is low. Name any commodity and you will find hedgers ready to buy and sell well in advance of their delivery date.

Understand, there is risk attached for both buyers and sellers in any futures deal. Buyers risk that although they negotiate at the current price, by the time delivery occurs, the price could be much lower and they could have bought the commodities for cheaper. Sellers risk that although they negotiate at the current price, by the time delivery comes, the price could be much higher and they could have sold the commodities for greater profit. Futures trading is all about woulda coulda shoulda, the fish that got away. You may never get the highest price nor the lowest price. So long as you make a profit, that's all that really matters.

Tuesday, May 22, 2012

Home Loans With Bad Credit: Know Some Basics And They Can Be Yours

For some of us, getting that dream home is a principal goal in life. Sadly, getting the home loan needed to secure that dream home is not easy, especially when we have a low credit rating. But home loans with bad credit are actually approved every day.

Of course, there is criteria that must be met before any loan application, never mind a home loan worth hundreds of thousands of dollars, can be approved. But to get mortgage loan approval with low credit scores is not so crazy a concept. It does not even require huge sacrifices, though some compromises may have to be made.

An applicant can improve his or her chances of getting their application approved if they have everything in order. Understandably, there is no such thing as a guaranteed home loan despite bad credit, but certainly the chances of success is increased.

The reason for this is that lenders look at a number of other aspects too, not just the credit score that an applicant has. If this is in order then the chances of making a successful application are greater.

Never Underestimate the Down Payment

One of the key aspects to an application for a home loan, with bad credit a factor or not, is the down payment. The reasoning behind this is that the larger the down payment, the lower the actual amount needed to borrow is.

What is more, the larger the down payment, the greater effort has been put into saving the sum, which shows the kind of discipline that lenders like to see.

Believe it or not, applicants with an excellent credit history can fail on the grounds that their down payment is insufficient, whereas mortgage loan approval with low credit scores can succeed. This is one factor that needs to be taken note of if an applicant is to get as close to a guaranteed home loan despite bad credit as they can.

Look Beyond The Now

A common mistake made by applicants is to concentrate their attention on the budget that they have now. While this seems logical, the fact is that a home loan with bad credit can only be approved if projections are favorable.

For example, if a couple is buying home now, their income of ,000 per month can comfortably cover the home loan repayments. However, as soon as they start a family, the added costs of kids, medical bills, education and a myriad of other expenses, changes things considerably.

With this in mind mortgage loan approval with low credit scores needs to see beyond the current situation. And while nothing is guaranteed, home loans despite bad credit can be secured if a more conservative projection is made.

Shopping Around Leads to the Best Deals

It is an accepted rule of the consumer world that the more a person shops around, the more likely it is they will find the best deal. It is the same for home loans with bad credit. While so many mainstream lenders, like banks, offer poor terms and high interest rates to applicants with low credit scores, there are alternatives that offer better terms.

Not least amongst them are online lenders, and anyone hunting for mortgage loan approval with low credit scores can compare literally hundreds of rates, offers and terms within minutes thanks to the power of internet search engines.

As has already been stated, there is no such thing as a guaranteed home loan despite bad credit, but with lower interest rates and better loan terms, the ability to secure the thumbs up is more likely from an online lender than a traditional one. Still, be sure to look at all your options before signing up to a home loan with bad credit.

Monday, May 21, 2012

Getting Unsecured Loans With Bad Credit: Fast Solutions For Financial Emergencies

Financial emergencies are hardly a new phenomenon, but in recent years the number of people that have found themselves facing such emergencies has grown dramatically. The problem is that, with bad credit scores to their names, the chances of being approved for unsecured loans with bad credit do not seem very good.

But the truth is that even those of us with very poor credit ratings have every chance of securing loan funds to help deal with an emergency. The terms may not be ideal, but it is worth accepting compromises when the purpose is to escape a detrimental situation, or to clear an unexpected debt.

However, there is another aspect to such matters that cannot be ignored. Fast loan approval is vital if a financial emergency is to be properly dealt with, but not every lender is willing to grant unsecured loans hassle free. There is always a process, and many are time consuming.

How Unsecured Lending Is Viable

When it comes to considering a loan application, lenders are only concerned with whether they will get their money back (with interest) or not. Secured loans obviously offer a guarantee they'll recover their investment, but what about when they approve applicants seeking unsecured loans with bad credit?

To be honest, this is a situation when the lender is accepting a risk, but the odds are still stacked in their favor. Lenders are careful to calculate the projected risk, and so granting fast loan approval is not always as foolish a move as it might seem.

However, for borrowers, it is necessary to consider some aspects of an unsecured loan carefully before applying for it. For example, the interest rate is higher so the cost of the loan is greater. And the repayment term is usually shorter, thereby placing greater pressure on them to make the payments each month.

Securing Fast Approval

Applying for unsecured loans with bad credit does not have to be the trying experience that many claim it is. It usually comes down to simply having the necessary boxes ticked, and proving an ability to make the repayments comfortably. To get approval very quickly, however, there are some other aspects to consider.

When dealing with financial emergencies getting your hands on the cash as quickly as possible is hugely important. To do so, it is necessary to get a no credit check loan, where the lender does not seek confirmation of your credit status. The advantage is that fast loan approval can be given, since the approval process is streamlined.

Applying for an unsecured loan online is the fastest possible option, with the information processed in a matter of seconds, and the loan funds deposited into a bank account in just a few hours. Of course, providing bank details is necessary to make that possible.

Loan Options To Consider

When seeking unsecured loans with bad credit, there are several loan options to choose from. Online lenders are recognized as experts in bad credit lending, so the loans they offer are the most competitive and the fastest to access.

But what type of loan is the best to secure? Well, payday loans are the most likely to be approved since it is granted against an upcoming paycheck. That means fast loan approval, with access to cash within just a few hours. However, the terms are not good, with interest as high as 30% and loan limits of just ,500.

When it comes to dealing with a financial emergency, this is the best option even if it is expensive. However, larger unsecured loans may require a cosigner or some kind of security. Loans of as much as ,000 are available in that case.

Sunday, May 20, 2012

Advice On Seeking Asset Finance For Business Funding

There are many business out there wanting to grow, but who simply do not have the funds available to so. A lot of these businesses will often choose an asset finance scheme to help them generate necessary business funding. If you are one of those businesses looking to move forward in these difficult times, asset finance could be a suitable solution for you. Here are some simple guidelines you should follow in order to raise business funding through asset finance schemes.
One of the most important things is to make sure you exactly pinpoint what you need in order to take your business onto the next level. Will extra equipment at your premises help speed up production? Perhaps it would really help business if you had an extra couple of vehicles? In this process you really should arrive at an almost exact amount of money that you will require as business funding from an asset finance specialist. It is also crucial that your business will be able to afford to make the required monthly repayment installments on this amount of money.
Of course any asset finance provider will want to know why you are applying for business funding. Therefore it is also important that you can provide potential lenders with an up to date business plan. The business plan should show your current business situation and what strategies and objectives you have to take you forward. The business plan should illustrate how additional business funding to acquire additional machinery, vehicles etc. will help take your business forward.
Once you have done this you are in a good position to begin looking for suitable asset finance specialists. This can easily be done on the Internet where you will find many companies offering asset finance as a way to generate your business funding. You will discover, maybe to your surprise, that there are quite a number of asset finance companies. Make sure you have a good look at several of them online. Because there are a lot of companies offering asset finance you can be assured that they will be competing to win your custom. Therefore you will no doubt find some deal that suits you.
Looking deeper into each of the asset finance schemes on offer make sure to read through the various terms and conditions that apply. It is essential that you always compare the interest rates that will be used for this kind of business funding solution. It is crucial to also establish whether or not you will be able to commit yourself to the monthly repayment installments. Doing these checks in advance could help you both avoid repayment difficulties in the future and help you save money.
Your business will now hopefully be in a more informed position when dealing with an asset finance specialist. Perhaps a good place to look first of all is Bell Finance. Bell Finance are leading business funding specialists and offer comprehensive asset finance solutions to businesses across the UK. If you are looking for helpful advice on asset finance then Bell Finance will be more than happy to help. For more information on Bell Finance and how your company could benefit from business funding using an asset finance scheme visit them at

Wednesday, May 16, 2012

Financially Fit For Life System By Steve Down- A Review

Are you having problems getting rid of your debt during these troubled times?

With the state of the current economy, it is vital for us to understand how to manage our finances properly if we want to avoid being financially troubled. Even if we already have a substantial amount of debt, it is not too late to seek appropriate consultation from reputable debt management services out there.

Today, a huge number of American middle class families are looking for debt relief help because of the inability to service their mortgage payments in time. This has become a major concern for everyone involved as it affects the well being of their family. With so many debt relief programs available, it is rather overwhelming for someone to decide on which program to choose.

Financially Fit For Life System is a financial mastery program by leading financial expert Steve Down that can revolutionize your financial life.The core of the program consists of 7 important steps which are:

Step 1: Wealth Awakening

- Learn that wealth is a choice
- Sign your own personal wealth commitment
- Create your personal "Wealth Vision Statement"

Step 2: Miracle Mind

- Discover wealth creation starts in your heart
- Find out the 10 Passion Killers of Wealth
- Take the Rich Man/Poor Man Checkup

Step 3: Cash Flow For Life

- Find our if you're running on a "financial treadmill"
- Step onto the "scales" for your financial wieh-in

Step 4: Security For Life

- Discover if you're compatible with money
- Learn the "10 Warning Signs" of a "financial coronary"

Step 5: Debt Free For Life

- Take steps to be debt free, including mortgage, in 5 years or less

Step 6: Wealth For Life

-Learn how you can achieve 10X wealth

Step 7: Wealth Transcendence

- Put it all together and live in abundance-financially free

If you are currently having financial difficulties and would like to learn how to manage your finances and become financially independant, I personally recommend this course for you. Steve Down is so confident that you will achieve success through the Financial Fit For Life System that he is giving away his Financially Fit For Life Audio Course for free (no charge and no cost- not even shipping and handling).

The Financially Fit For Life Audio Course can help anyone to quickly and easily erase all their debt, including their mortgage and uncover 0 to 0 a month or more. The techniques are guaranteed to make you financially free in as little as 5 to 7 years by doing simple tasks that only take a few minutes per day to do. All he wants in return is for you to share your success from the course with your family and friends so you can play your part in helping them as well.

Stop being a victim and start taking control of your financial future by making the right decision. The economy may be in a bad state, however, you can use this as leverage to build your wealth and grow financially stronger and never be affected even if a recession comes again in the future. Take this chance and claim your free Financially Fit For Life Audio Course today!

Tuesday, May 15, 2012

Real Estate: Leasing Is An Option

You may be thinking about purchasing a property or maybe making your first steps into the real estate business. You may be overwhelmed by the figures this implies and wonder where to turn for financing. You probably did not know that leasing contracts are also available from certain financial institutions for apartments and houses in different places and that this method provides cheaper financing in terms of monthly payments.

Leasing is an excellent financial option but it is not for everyone. There are people for whom leasing can be advantageous and there are also situations under which leasing is the perfect choice. However, there are also other financial products that may be more advantageous under different circumstances. Just like home loans are not for everyone, leasing is also not the perfect solution for any financial situation.

Leasing A Real Estate Property

A leasing contract grants the use of real estate property to the borrower. The financial institution either owns the property or purchases it and remains proprietor of it till the borrower decides to exercise the right to purchase it. In the meantime the monthly payment work exactly like rent payments but in the event that the borrower decides to purchase the real estate property, these payments are considered part of the purchase price.

Leasing is a form of financing that avoids the down payment usually associated to the transfer of real estate property and also reduces the amount of the monthly payments compared to mortgage loans. Though in the long run purchasing a property through leasing is more expensive, in terms of monthly payments it is significantly cheaper and more affordable and provides you with the possibility to change your mind and return the property without purchasing it.

Who Should Lease A Property

As stated above, leasing is not for everyone. Someone who can not afford the monthly payments on a home loan will find in a leasing contract a possible solution to his problems. Even those who do not have a fixed income can make good use of leasing because they can put amounts aside in a savings account whenever they have additional income and destine it for the lump payment at the end of the leasing term so they can keep the property.

Also, those who are not sure whether they will stay at a certain place or are not sure whether they have found their place in the world can find in leasing the possibility to abandon the property at the end of the leasing contract or keep it. They will have plenty of time to make up their minds this way and they will not have to spend so much on home loan payments if they will finally decide to move somewhere else.

As you can see leasing provides great flexibility and low monthly payments. The only drawback is that it is more expensive than financing with a home loan, in the long run. But if you fall under any of the categories explained above, you may wish to consider leasing as an option for real estate purchases.

Friday, May 11, 2012

Claiming Newport Beach Boat Slips In Newport Beach Harbor

Newport Beach Harbor has some of the most expensive real estate in California, if not most of the world. It is certainly one of the most popular places for small yachts, with over 9,000 berthed here, but despite its wealth and popularity it is still a quiet, relaxed place with a friendly feel to it.Anyone with a small yacht around here will know how difficult it can be to find any suitable Newport Beach boat slips. Space is scarce and even slips with the most basic facilities are expensive, so it is important that any owner knows what they want before deciding on which slip to use.

Location is one of the main considerations. Seven islands make up the Newport Beach Harbor area, and all have advantages and disadvantages. Some are more expensive than others, some are less convenient to get to. If you are a frequent sailor then you might want a location close by and easy to get in and out of, while someone who only uses their boat once a year may choose a cheaper but less convenient slip.

The facilities available at each Newport Beach boat slip also need to be considered carefully. Every yacht owner has different needs in this regard, and it is important to find as close a match as possible. There is no point either paying for services that will not be used, or in renting a cheaper berth that does not have the facilities that are needed.

Some of the marinas offer managed services for yachts, and the best of the marinas allow these services to be tailored according to need. The companies based here have everything that any yacht owner could possibly need, and the owners are free to choose which of the facilities and services they use. One owner will want to have their yacht maintained for them, for example, while another will wish to do all the work themselves. Some will want to crew their boats themselves, while others will hire a captain or crew.Whatever your boating needs are, you can be sure that someone in Newport Beach Harbor will be able to meet them. If you can't find it here, the chances are you won't find it anywhere.

Thursday, May 10, 2012

Learn Who To Use Subliminal Messages In Every Day Life

Subliminal Messaging Making it work for you with ease

Subliminal refers to the brain and its function that gives direction to the individual's thoughts. It is that part of the brain that is below the threshold of sensation or below the normal consciousness. The normal conscious part of your brain makes up roughly 20 percent of the brain and the remaining 80 percent is the subconscious.

Subliminal messaging differs from the power of suggestion in that subliminal messaging affects the sub consciousness

There are some who hold that the sub conscious part of the brain recycles all that has happened to the conscious part of the brain during the day. This recycling occurs during your rest period. Most predominately at night when you are in a very deep sleep. All of the thoughts and actions are filed away in the sub conscious or the subliminal area of the brain. The thoughts and actions are called upon by the conscious part of the brain as you need them.

Subliminal messages are a part of your unrecognized conscious thoughts that are picked up by the ears, eyes, nose, and touch and conveyed to the sub conscious area of the brain.

Here is a quick example of subliminal messaging. A young couple posted a picture of their dream home on the refrigerator and started saving to buy the home. Several months latter the young couple saw a power lawn mower at a garden center. They immediately bought the lawn mower. When they arrived home they discovered that they had a ten foot by twenty foot lawn and no need for a lawn mower.

A closer look at the picture of their dream home showed the exact same lawn mower parked on the front lawn. This is subliminal messaging at its best.

You can choose the direction of your subliminal thoughts by focusing on the things you wish to change in your life. One of the simplest ways to direct your subliminal thoughts are to acquire video tapes on your subject of interest.

Should you not wish to view videos because you fear of what they may contain, you may write down your desired changes. Affirmations are powerful tools. Write down several, formulate them positive and in present tense. Read through them once a day and magic will happen

Always word your affirmation in the present tense. Such as I me, my.
Write down a plan of the things you are trying to change about yourself.
Try to get to the root cause of the things you wish to change. Why do you overeat, how did your get into this financial mess. Give your self a way out, a plan of action, such as I will never buy on credit again.

Read through your present tense list daily.

Subliminal messaging is very safe and can be most helpful when used to bring order to your life. The sights and sounds are all around you constantly bombarding you with things to buy and see.

You have only to make a conscious effort to suppress the things that are of no value to you, such as spending your money on impulse items.

When you start applying the principals of subliminal messaging you will learn to control the subliminal process and apply those things that will bring happiness to your life. You can learn to control your anger, fear, frustration and learn how others affect you and your daily life.

There is nothing to fear about subliminal messaging it is normal and it is a part of you. You owe it to your self to investigate and learn how this remarkable part of your brain functions. The more you learn about subliminal messaging you will understand how easily it is to control your life.
Go to subliminal message and make your selection from the library of videos that will show you how to improve your powerful seduction, make money while you sleep, balanced presence of mind, preparation for power, How to make 0,000 in 30 days if that is what you want.
Just let the subliminal messages come through tonight and enjoy them in the morning. I know you will be an improved you in what ever you choose. It is your decision to improve your life.

Wednesday, May 9, 2012

Bumpits: the TopsyTail of the 21st Century?

It's been a good 20 years since TopsyTail hairstyling tool rocked the infomercial and retail world. And then in 2009, along came Bumpits. Like TopsyTail, Bumpits grossed well over 0 million. It's hard not to compare the two itemsTopsyTail's look was pretty and girlish, a take-off from the simple ponytail, a throwback to pre-grunge 1990's. Bumpits look is retro, glamorous, sophisticated and womanly.
The timing of the launches of the two products was the direct opposite in terms of the socio-economic atmosphere of the country. TopsyTail took off coming out of a recession, Bumpits, going into a recession. Bumpits also rode the 2008 wind of the Michelle Obama/Jackie O style trend of the early 60's mod-chic of tailored dresses and accompanying sophisticated hair up-dos, a sleek, put-together look. Psychologically, the Bumpits elevates the crown of the head, making the user appear taller and more elegant perhaps to counteract the psychologically depressing and anxiety-provoking effects of the Great Recession. Kelly Fitzpatrick, the inventor of Bumpits, was trained and worked as a hairdresser, Tomima Edmark, the inventor of TopsyTail was a marketing manager. They say Necessity is the Mother of Invention. Tomima's fine, straight hair, needed to be pulled back. TopsyTail, a plastic hook, allows users to elegantly create looks out of a ponytail. Kelly's customers wanted the volume Kelly would give them with combs and hair-spray at her former salon, but could not replicate it themselves at home. Kelly also had thin hair, and wanted it full. She created Bumpits, a plastic insert that gives volume to hair at the crown. TopsyTail was a totally new look on a commercial level. Bumpits was an updated model of old rats of the 60's, and a pre-existing, popular look. They say when the going gets tough, the tough get going'. Tomima created TopsyTail after being laid off from IBM- Kelly created Bumpits after losing work in real estate during the crash of 2008. Both created one-hit wonders. It's reasonable to ask, If not for the TopsyTail being the pioneer, could the success of Bumpits have been possible? Kelly consciously modeled herself after the winning hair accessories, TopsyTail and Hairagami, reading up on the histories and strategies of the inventors behind them.
One night, Kelly was watching the Donnie Deutsch show, which frequently features inventors and she was inspired. She had thought of ideas similar to Bumpits years ago, but had never had the time or the motivation to develop it. Tomima had been at the movie theater when she was inspired- not by the movie, but by the woman in front of her wearing her hair in a French twist. Bells went off in her head, and she realized she could use crocheting needles she had lying around at home to turn a ponytail inside out to make numerous hairstyles.
Kelly took a DIY approach, making dozens of prototypes out of everything from Velcro to plastic knives, travelling to hair tradeshows with a home-made instructional video loop tape. She learned that it would sell better to consumers than to salons. She created a cheap ad using her daughter as a model, bought TV air time, and the commercial was picked up by MTV- orders poured in. When the product started selling heavily, she licensed it to an As-Seen-On-TV company (the same company that did the infamous Snuggie infomercial). At the retail level, beauty/hair accessory specialists Ulta, Sally's and Claire's, and drugstores Walgreens and CVS picked up the product and are still selling it. TopsyTail entered the market in Dallas boutiques. Then Tomima hired sales representatives Accessory Brainstorms, who got it into department stores. Then she gave a DRTV infomercial company exclusive rights to sell TopsyTail, with the exception of department stores. The TopsyTail brand was sold to Scunci in 2002. After an initial attempt to repackage the product into a kit, TopsyTail remained a sleeping asset. Now Conair (who bought Scunci) has it available to consumers, after having been off the market for decades. Accessory Brainstorms predicted in prior articles that recessions are a good time to launch hair tools and inventive products in general. The success of Bumpits and similar products and the revival of TopsyTail confirm this.
Kelly used Public Relations assistants (in Kelly's case, only part-time after the first year). Towards the end of Bumpits reign, around 2010, they also received some negative or at least teasing PR- Late night TV shows began doing spoofs on the Bumpits commercials (just as they had done many spoofs on the Snuggie commercials). But as they say in media, there's no such thing as bad publicity (any publicity is good publicity), and Ms. Fitzpatrick laughed at the spoofs all the way to the bank. Other sources of buzz were celebrity and beauty pageant publicized use (subtle endorsements). Tomima used a professional public relations company from the start, which in part, contributed greatly to the success of both the TV and retail store sales success.
Kelly has come out with a second Bumpits product, but it hasn't sold as well as the original. Bumpits still sells about 20,000 units per month (way down from its first year, when it sold 1,000,000 units per month), but Kelly is not disappointed, as she realistically planned for its decline from the beginning. Still, she lives more comfortably than she could have ever imagined, investing in second homes (actually 6 properties) and driving a new (as opposed to a used) car for the first time in her life. She could retire at any time if she wanted to. Tomima's follow-up inventions did not succeed either, but she's tremendously successful once again owning and operating one of the original and largest online lingerie retailers, Tomima and Kelly share similar advice never give up on your dreams and never accept no for an answer just keep looking for collaborators who will say yes. So, is Bumpits the TopsyTail of the 21st Century? Good question!

Joan Lefkowitz, an original marketer of TopsyTail tm, is president of ACCESSORY BRAINSTORMS, NYC, a licensing, marketing and sales representation agency and consultancy for Fashion/Beauty Accessory and Lifestyle Inventions. Accessory Brainstorms is always looking for inventions in these categories, and offers one-on-one consulting for inventors who need guidance. ACCESSORIES Magazine awarded Joan for the Most Inventive Products and also cited her as one of the 100 most important accessories industry Movers and Shakers.

How To Hire The Right Real Estate Appraisal Management Company?

Real estate being a complex business and real estate appraisal a complicated one, for a lender, choosing the right appraisal company has always been a difficult task. Real estate appraisal is an area where compliance with all the rules and relevant Acts, transparency of the process, and quality and professionalism of the services are of utmost importance. Besides, this is an ever-changing industry with new needs, new trends, and new rules and regulations coming in with every twist and turn of the market. This warrants the need for extreme care by lenders and mortgage specialists while choosing their real estate appraisal management service providers. Lenders need to consider a range of features right from ease of ordering services to expertise in ensuring compliance with all federal, state and local regulations and guidelines.

A simple way to make sure that your prospective appraisal management company are experts in their business is by enquiring about the number of years of experience they have in the business as well as by checking out their portfolio of clients and their standing and reputation in the industry.

Before appointing any appraisal management company, the lender has to make sure they have the appropriate licenses, insurance, etc. It would be good to check if the appraisers have the right qualifications and experience in the types of property that the lender needs appraised. Most appraisal companies will claim to have a nationwide coverage. However, this will have to be confirmed at the outset, especially if the lenders have large volumes of business across various states.

The appraisal company should have all the state registrations in place. It should also be confirmed that the company ensures all the statutory compliances such as those relating to Home Valuation Code of Conduct (HVCC), Real Estate Settlement Procedures Act (RESPA), the U. S. Housing and Urban Development (HUD), Federal Housing Administration (FHA) and the Consumer Protection Act.

The availability of the appraisers and their easy accessibility is of great importance. This would ease the process for the lenders, as their concerns and issues can be handled and solved efficiently and in a timely fashion. A user-friendly ordering system with availability of the appraisers or their staff online round the clock makes ordering simple and convenient. In addition to being available and accessible any time, the appraisers should also have a thorough system for updates along with regular follow-up, which would add to the efficiency of the process. In addition to the quality, accuracy and timeliness of submitting reports, the appraisers should also be flexible to provide customized services that cater to customer-specific requirements and revisions. The right appraisal company should be able to work in tandem with the lender's team.

To conclude with a word of caution, lenders should check themselves from being tempted to employ the company that charges the lowest, which could turn out to be an expensive mistake after all. It should also be understood that it is not the large size of an appraisal company that makes it trustworthy, but its adherence to the best practices of the real estate industry.

Tuesday, May 8, 2012

Advantages of Housing Loans Using SIBOR Rate

Advantages of Housing Loans Using SIBOR Rate

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

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

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

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

Saturday, May 5, 2012

The Merit Goes To Payday Loans

Nowadays, I think we should start taking great things into consideration that would help for the betterment of our lives. Let us not settle for mediocrity, instead settle for excellence.

If we become optimistic rather than pessimistic and acting like a cynic, our lives would probably change a lot. We can simply make great things possible. If we want our lives to better more than the usual, maybe we should try looking payday loans in a positive view of perspective.

At present time, payday loans have unfortunately earned a certain reputation of notoriety in the public's eye. These loans have been said to be deceiving tool that will only make us more indebted than what we might think. A lot have tried to criticize payday loans industry. Various critics have only concentrated on the bad apple of these loans rather than raving about the few helpful souls that aim to provide funds to those who were rejected by other financial institutions.

However, that has all gone already. It's all about metamorphosis. Starting now, payday loans have made a great change, a great difference.

With these loans, numerous advantages can be enjoyed by borrowers who have plans to take this loan out.

Here are few list of the advantages of the loan to enlighten us about the good side of availing it.

First in line is the No Fax Payday Loans They do not ask us to go to the trouble of digging out all documents. We just need to make our bank account available and some employment related information. In addition, no collateral is needed. This is all and you can verily avail the loan in a couple of hours.

The next thing is Emergency Relief We don't need to feel anxious in getting or availing these loans. This is more convenient than having unfriendly loan with our bank.

The last thing is Convenience The nicest thing about these loans is that we can apply and get approved within one day and with its online application we don't need even to leave our houses if we don't want to. Payday Loans providers can process our application online and we need only to wait for a few hours at the most.

It's unreasonable if we don't let our family or friends know that we're experiencing temporary financial difficulties. That's why these loan companies directly transfer the money to our account so we'll have the option of letting others become aware of our plight.

Now that we've learned some of the advantages of payday loans, aren't we glad that we decided to read this after all?

Generally, these loans are short-term loans but initially helpful to attend temporary financial crisis. This is best for working people who might suffer from sudden financial disgrace. One thing we should always remember, though how much we are experiencing financial downfalls, let us not forget to verify, secure and confirm the safety and guarantee of payday loans.

Finally, though payday loans have been talked about in the society, it changed a lot and it will make a great difference in the world of loan industry by starting building a good reputation and name.

It draws back to the idea that after all, the merit goes to payday loans.

Military Loans With Bad Credit: The Best Terms To Expect

There is a misplaced idea that military personnel have it easy when it comes to securing loans. The mistake is understandable when their employment situation is considered, even with the bad credit scores they may have earned due to the economic crisis. But while it is never guaranteed, it is possible to get military loans with bad credit.

Of course, in the civilian world, bad credit borrowers have access to loans too, but it is the terms of these deals that are different. Despite having a poor credit history, members of the military can access low interest loans, making funding a very affordable thing.

But the ability to access such great deals is not solely down their employer being the US government. There are other influences that have made it possible to get military loans that are highly affordable.

Influence of Loan Repayments System

LIke any other loan, getting military loans with bad credit comes with an obligation to repay the loan in full by adhering to a repayment schedule. But, with military borrowers, the risk of defaulting is practically nil because of the repayment system lenders employ.

Rather than giving the borrower a repayment schedule and urging them to stick to it, the loan repayments are taken from source each month. This means they are deducted directly from the salary of the borrower. The certainty of receiving repayments on time is what ensures these loans are low interest loans.

This type of system is known as allotment repayment, where a particular amount of the paycheck is allotted to covering a specific debt. And with everything covered by the system, military members never really have to worry about their military loan.

Influence of Active Duty

Deployment might seem like a troublesome element in lending to military personnel, but as active duty abroad is part of everyday life in the armed forces, military lenders have worked a system around the problem. Approving military loans with bad credit is fine as long as a permanent (family) address is provided during application.

However, there are more advantages to going on active duty. In line with the terms of the Soldier's and Sailor's Relief Act, servicemen and women who have taken out a loan, will benefit by a dramatic reduction in their interest rate. In fact, the rate is reduced by up to 6% while on active duty, making it hard to beat amongst low interest loans.

This includes loans granted by private lenders, not just military lenders, with the borrower only needing to inform their lender of their entitlement. The lender must comply with the terms of the act, making these military loans the most affordable when the borrower is serving their country.

Loans With No Frontiers

Normally, lenders are not willing to entertain applications from people overseas. There is too much difficulty in ensuring repayments and securing collateral if there are problems. But there is a global aspect to getting military loans with bad credit. After all, though abroad, military personnel are still employees of the US government.

For applicants, the ability to apply for loans when they are far from home is a major plus. The Internet makes everything possible, and ensures a very fast approval time for these a low interest loans.

Once the required information is provided in the online application form, and submitted, it can take just a few seconds for a decision to be confirmed. So, wherever they might be posted in the world, military loans are always accessible.

Friday, May 4, 2012

Don't Leave Cash Advance and Credit Card Debt To Your Heirs

Ever worry about what happens to your debt after you pass away? I'm sure it is not on the list of stresses when seeking out a cash advance or hoping to get another credit card approved. Financial situations are what they are and when trouble arises, most of us do what we can with what is available.

Unless a person has a well-developed retirement plan, life after retirement often times increases the amount of debt just to cover everyday living expenses.

Problems with some retirement plans:

*There wasn't enough put away.

*No plan was ever made.

*Inflation was never considered.

*Didn't account for extended lifespan

*Medical costs were greater than expected.What does a retiree do with debt? Efforts are made to pay down the debt do help, but too many people in retirement are obtaining additional debt instead. Credit cards or cash advance loans usage to help pay for everyday living expenses and/or emergency payment cancel out efforts to rid debt.

What measures can be taken in order to prevent debt from haunting heirs? One of the most difficult aspects of debt is admitting to yourself the total amount owed. The next step is to admit to your heirs what kind of debt you will be leaving behind. Whether there will be an estate left behind or not, sharing the financial information will help your heirs prepare for what might be to come. You don't need to disclose everything to everyone all at once; it still is your private life. Keep passwords and account numbers to yourself until disclosure is appropriate and necessary.

If you have a home to leave and there is still debt attached to it, you may want to purchase insurance to help your heirs take care of the debt. The outstanding balance on a loan for any asset will be transferred to the person who inherits it. Without the insurance money, this loan asset will need to be sold and the debt paid off or the person will need to transfer the debt to their name.

Creditors will try to get their claws on any bank money. Insurance money is usually exempt from their taking. Some states which allow this money to be used to pay debts often times have set limits on how much can be taken.

When filling out your will, name a person as the beneficiary not the estate. Estates fall into the hands of the probate courts which may distribute money and/or assets to creditors. If you want to leave accounts or property, leave it to the individual's name.

If life insurance is too expensive due to age or illness, consider loan protection insurance. This money targets loans like credit card balances, auto loans and even a mortgage. It is a more affordable option for those looking to cover the specific debts.

If you can, start paying down debt. Keep from making new debt. Limit credit cards and cash advance use. The less debt you leave an heir the better. Your heirs will only be responsible for the debt if their name is on the account. Joint accounts or guarantors on a loan would make them responsible for the balance once you are gone.

Tuesday, May 1, 2012

IBD or Wall Street Journal Subscription Choices - Uncover The Best Option

Basically, for first class financial data and timely investment assistance for testing the waters, you will find only two leading financial dailies to choose from, namely the Investors Business Daily (IBD) or a Wall Street Journal Subscription. So which can be the very best option?

Personally, the Wall Street Journal delivers much more facts. It truly is a considerably thicker paper, has far more staff writers and coverage for global reports, emerging technologies, breakthroughs in the scientific and professional medical communities as well as political coverage. Count on specialized insight that could affect your individual investments and enable to sculpt your sector attention.

Both papers are priced similarly and both have a web based subscription selection. Nevertheless using the Wall Street Journal, anyone will get the print and on the internet subscription for 80 percent off when buying on the internet. There's also the prospect of purchasing the print only or the over the internet only solution.

Looking at expense, the print and online costs .99 per week (for the 80% off bundle price) which translates to 4.48 for the year. The print only news version is .29 per week with the on the net version selling for .99 per week (annually that amounts to 3). For any choice, two free weeks are given.

Some of the notable columns and features include, "Heard on the Street," "Inside Track," "Long and Short," "Stock Watch," "Trading the Numbers" to identify several. One will get accurate coverage on options, stocks, bond rates and credit markets as well as futures and commodities. You will find stock screeners, mutual fund screeners, ETF investigation and screeners as well as drilling down into specific stock financial analysis and corporation studies plus way more.

The journal is sent to your home or dorm 5 days per week plus you get hold of the weekend edition that is delivered on Saturday to any address of one's choosing. You'll be updated on breaking reports that's regularly updated by the world's leading business publication.

The maximum discounted Investment Business Daily (IBD) subscription normally requires a 3-year contract and sells for 9.00. It has fewer features, charges a lot more and has countless fewer pages. Why settle for second best?