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No matter what you market, testimonials are the leading factor that convinces people to buy what you sell. In real estate investing, you will end up buying more houses if you present believable testimonials to motivated sellers.

You must get testimonials from all the people you work with - Realtors, motivated sellers, tenants, etc.

So how do you go about getting testimonials and how do you use them?

Never wait long
It is very important that you never wait long to ask for a testimonial. If you wait for a few days, you will be forgotten. The best time is when the excitement is still high, for example as soon as you close a deal.

Get a video testimonial, take pictures
It is very easy to get a testimonial when they have a check in their pocket. You can ask them to write it down. Take their picture if at all possible.

You end up with a hand-written testimonial with a picture. This carries more credibility than a typed testimonial.

Even better, always have a video recorder with you. You can use a smart phone to get a video testimonial.

A video testimonial takes only 2 minutes and are more believable and carry more credibility.

You can also use a voice recorder on your smart phone.

Send a letter and / or email
Send them a letter the same day you close the deal. Send it by email as well.

The letter should be something like this:

Dear Mr. Seller
Thank you so much for allowing us to serve you. It was a pleasure working with you and seeing the deal through to completion.

I was wondering if you could do me a quick favor? Could you write a short testimonial for me? I would really appreciate this as it would help me help more people looking to sell their houses quickly.

Please use the attached piece of paper and return envelope for your testimonial.

Thank you in advance and please let me know if there is anything else I can do for you.

Sincerely,
Your name here

Always include a sheet of paper with the heading "Write your testimonial here". I prefer a yellow paper with the heading written in a red pen. It prompts them to write the testimonial right there and not keep it for later.

Also, include a self-addressed, stamped envelope so they just have to drop it in the mail.

Lots of people will not respond, but most will. Always ask for testimonials. You will get more testimonials if you ask everyone.

Your business will be more successful if you use these testimonials.

How to use testimonials
Testimonials are a big part of your credibility kit. Put them on your real estate investor website. Especially video testimonials.

Take your credibility kit in your car at all times. Show them to your motivated sellers every time you go to see houses.

The result is that you will end up buying more houses.

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There is much made of the fact that a bad credit history can be detrimental when it comes to buying a home. Traditional lenders, like banks, would have us believe we stand no chance, but options do exist. In fact, there are specially-formulated home mortgage loans for people with bad credit histories.

Many of these mortgages are available from online lenders, whose loan packages are more affordable and involve less in the way of fees and even charge interest rates. But perhaps most crucial is the fact that credit scores have no bearing on the application process, thereby ensuring a better approval chance.

For almost everyone, a home mortgage loan is the largest single personal debt they will take on, which explains the nervousness with which many approach them. But there are some secrets to preparing an application that can help to improve the chances of approval.

Be Proactive About Your Credit Score

This is most useful when applying to traditional lenders in particular, who usually place a large significance on the scores when assessing applications and the rate of interest to charge. While it is true that home mortgage loans for people with bad credit are already well structured, improving the credit score just a little can further improve the deal.

The most common proactive step is to take out a small personal loan, repay it without a hitch, raise the score a little and so ensure a better approval chance when it comes to the mortgage. A series of small loans, such as payday loans, means this can be done several times over a set period - perhaps 5 or 6 ,000 loans over 12 months.

With each loan cleared, the credit rating is improved, which in turn improves the terms of a home mortgage loan. However, this tactic does require some time and patience.

Make a Large Down Payment

Making a larger down payment than is necessary send the message that an applicant is serious about taking on such a large debt. The significance of such a move is even more poignant when it comes to home mortgage loans for people with bad credit histories.

The reason is two-fold. Firstly, the size of the mortgage is lowered because a larger share of the purchase price is paid off. A 5% down payment on a property worth 0,000, only reduces the mortgage to 7,500. But a 20% down payment reduces it to 0,000, Unsurprisingly, the result is a much better approval chance.

Secondly, if a down payment of 20% (,000) is made, then the financial discipline needed to save that lump sum cannot be ignored. Lenders are only too happy to grant a home mortgage loan to someone so committed.

Think Outside the Box

Finally, thinking outside the box can result in more creative financing that will drastically improve the strength of the application. Being a person with a bad credit rating does not guarantee approval for a home mortgage loan for people with bad credit.

Creative financing can see the mortgage sum split into individual loans that may not only result in a better approval chance, but in the overall debt being reduced. For example, after a down payment of 10%, the mortgage sum required is 5,000. This could be borrowed through 0,000 mortgage over 30 years, and a ,000 personal loan over 3 years.

While the size of the home mortgage loan is reduced, the personal loan repayments can be lower than the mortgage repayments. So, monthly repayments of 0 will lift the pressure over the first 3 years before the mortgage repayments begin, which may be as high as ,200.

Esources Scam

If you come across articles about esources scam, it is important to note that none of the articles provide anything by way of proof. The detractors make every attempt to pull down the reputation of the site and damage its public image. However, despite their best attempts, they have not been able to dent the reputation of esources one wee bit.

Esources is the largest wholesale directory of verified UK wholesalers, distributors, importers, exporters, dropshippers and manufacturers. They allow their members to browse through their wholesale directory and get in touch with the suppliers and dropshippers of their choice to fill the orders of their customers.

Hundreds of users of esources know by now that the esources scam is nothing but an attempt to tarnish their reputation by those whose nefarious activities have been exposed in the past by esources. It is confirmed beyond doubt that esources is the most trusted resource of verified wholesalers and dropship companies on the web today. They have over 70,000 trade distributors and 3,000 dropshippers on their extensive list, which is growing every month.

Esources scam is a joke because they verify over 3,000 new resources every month and keep the online trading community informed of the many dropship scams and rip offs on the Internet. They are dedicated to protecting the interests of traders and go through a great deal of effort to unearth scams during their earliest stages so their effect is restricted.

Feedbacks from real members of the portal reveal the immense advantages the site provides to the online trading community as compared to any other wholesale directory portal. Middlemen fearing exposure of their acts by esources cry esources scam on every forum just to create doubts in the minds of genuine users of their services.

Esources does not entertain listing requests from wholesalers who refuse to undergo their verification processes. Members are never exposed to dubious suppliers or dropshipper with questionable reputation. That precisely is the reason why the fastest growing portal is attacked by scammers. Esources have even gone to the extent of banning suppliers who do not deliver quality products and services that fail to meet the expectation of their clients. It is eminently clear that the best wholesale directory on the web is heavily in favor of buyers rather than suppliers.

Esources.co.uk scam reports are an attempt to malign the site in the eyes of wholesalers and trade buyers. However, the experience of thousands of satisfied buyers and sellers reveal a diametrically opposite view of the portal. The important role that esources has played in improving their business prospects cannot be denied.

Renting Shares Exchanges

Renting shares is defined as the process of trading contracts for options through one of a number of different stock exchange programs. Renting shares is conducted through a myriad of different online venues designed specifically for stock brokers rather than on an in-person level such as with traditional stock market trading. Renting shares is also commonly referred to as Options Trading or online options trading. Some people even take renting shares and lump it in together with traditional futures trading, using the term Options Futures instead, but options and futures are two widely distinctive concepts. This means that it would be wrong for anyone to combine them together to create a single term.

There are a total of six different exchanges that can be found within the United States, and each lists available contracts for standardized options based on the various underlying stocks that can be bought or sold. These exchanges include:

- The Philadelphia Stock Exchange or PHLX

- The American Stock Exchange or AMEX

- The New York Stock Exchange or NYSE

- The Chicago Board Options Exchange or CBOE

- The International Securities Exchange or ISE

- The Boston Operations Exchange or BOX

The first four mentioned marketplaces are standard open outcry marketplaces, while the latter two, the ISE and the BOX are electronic markets for renting shares online.

Renting shares can be done through nearly any broker that the trader chooses, but this is only assuming that the broker has a facility to offer for renting shares and options trading. The broker is then the person who is responsible for making sure that the traders can buy and sell their options in any of the aforementioned exchanges.

Options are classified two different ways, call options and put options. Both of these classes can be applied to bull and bear markets equally, and they can also be longed, which means they can be bought as a means of establishing a position, or shorted, which means they can be sold in order to establish a position. Both of these processes lead to what is essentially a limitless combination of different strategies for renting shares that can be performed to help traders profit regardless of what is happening to the stock.

Renting shares on the options market is a great way for successful investors to create a large investment picture using a number of different vehicles. Many successful investors have cited renting shares on the options market to be one of the best possible ways to earn a significant income through trading and investing. This is because trading options and renting shares can create leverage, and with this leverage a small investment can easily become something ten times as large. This can be done by making the same type of move on an underlying stock that would normally be made through traditional stock trading methods. If you are looking for a low risk, high reward type of investment, then renting shares is definitely one of the best ways for you to go.

For more information on Renting Shares and other wealth creation strategies pick up your FREE dvd and e-book from the following web address.

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With lots of attractive checking account promotions being advertised in the media, this is the very best time for you to open a checking account. If you want to open a new account or have an active account that you are simply not satisfied with, you may wish to check with your present bank or competing banks to see what kinds of new checking account promotions there are. You might be pleasantly surprised at a few of the good deals you'll be able to find and various perks that may be accessible when you open a brand-new account.

Interest Bearing Checking

One type of promotion that you would certainly want to keep watch for is an increase in checking account interest rates. As you might or may not understand, interest earning checking accounts present a terrific approach for acquiring cash tremendously. These types of accounts virtually pay you for having your money in them, so if you're searching for a great way to earn money without having to do any work, this is definitely one promotion that you will wish to think about as long as you meet the criteria for it.

Absolutely no Fee ATM Usage Or Fee Reimbursement

One of the many other checking account promotions which you may come across is the 0 fee ATM usage promotion that numerous financial institutions will often times run. This can wind up saving you a lot of money in ATM fees if you happen to use them a lot. A lot of banking institutions will charge you extra if you make use of an ATM for withdrawing money out of your bank account more than a particular allowed number of times monthly. Usually the amount of ATM withdrawals which they allow before they begin charging you for is very small, in some instances less than 4 instances.

Cash Rewards Checking

An excellent promotion which banks are offering in order to convince people to become customers is cash back checking, which means if you invest a particular amount of money during a 6 month period or a 1 year period, the bank will pay you a percentage of that back in the form of cash. These can come with some strings attached like a minimal number of transactions, so make sure to read the fine-print if you want to open a brand-new account to make the most of the promotion.

Let's take a look at everything you stand to gain. Say you open up a new 3% cash back checking account with your preferred bank and you spend 0 in the first 6 months. At the end of which 6 month period your bank will basically put of the 0 that you spent into your account.

Sign Up Bonuses

Other excellent checking account offers that you might want to watch out for include sign up bonuses, which means the financial institution will instantly deposit so much money into your account whenever you create an account with them. Banking institutions will also offer cash bonuses for establishing certain features for your account for example direct deposit. This means that if you've the choice to set up direct deposit from your company directly into your brand-new account, your bank will reward you with a cash bonus.

Gather Your Options

If you're thinking about receiving the biggest bang on the benefits from opening a brand-new account, then you will desire to check out the many well-known checking account promotions which are going on as we speak. You'll be able to check out various websites and articles for several offers and ways which you'll be able to save money or even earn money when opening a brand-new bank account.

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There are many people that are not aware of the fact that there are quite a number of different nurse uniform that are floating around out there. Knowing the many different types and styles can help you in either choosing or buying them for someone you know.

With so many different styles and designs out there to choose from, you may need some advice on where to start. Well, the best place to start with this is to actually ask those above you, or your superiors, what type you will be required to wear. Sometimes you have many choices in what you can wear, but there are quite a few places that have restrictions on things like color, design, and style.

The most common type of nurse outfit are scrubs. Scrubs are the most stylish and comfortable of all types of nurse uniforms. The design of scrubs is to make them both simple and fashionable. They come in many different colors and designs for all types of work. If you plan on being around children mostly, you can find scrubs with childlike designs such as teddy bears, lollipops, and smiley faces.

Another form of nurses uniform are the traditional white dresses. These dresses are not worn as much as they were years ago, but in many places, this is still preferred. The dresses were supposed to be designs to represent status and hygiene.

For men, there may be a choice of a uniform. The main type of uniform is much like a scrub, but usually a navy blue color is preferred. The only different is that the shirt would be a tunic-style. This was something that was developed as a way to prevent any infections. Sometimes there are color accents on these tops to represent a mans professional grade.

There are many places that you can go looking for them. Most of the time you can find some such as lab coats and scrubs in your local department stores or super centers. These places usually carry styles that have childlike designs or are completely plain in different solid colors.

Another place that you can choose to look for them online. Online stores give you many more options than what are available in stores. The great thing about ordering online is that there are usually specials on things like scrubs, no matter what store you decide to buy from. Just think of your specific field that you are in and you will know exactly what category to look for online. Be sure to look at all the stores first before ordering so you will know what each store carries.

When choosing a nurse uniform you just have to be sure of what you want and what you know you can wear. Although many styles may seem great and you may want them, you need to be sure that they are okay to wear in your work setting. Thinking about this ahead of time is a great way to make your search easier.

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Visa gift cards are some of the more popular gift cards used today because of their flexibility and ease of use. They can be used anywhere that debit cards are used so they can be used at a variety of retail places, used in online shopping and even used to pay bills. However, they are only useable good as long as there is still a dollar amount remaining in the balance. Luckily, there are many ways to reload your Visa gift card with a larger cash balance once you purchase and activate it.

When you "purchase" a Visa gift card, basically 2 things happen; you get a card assigned to an account number, and you load a balance onto the card for the amount you "purchased" it for. So if you buy a gift card, then it has a balance that can be used once it has been activated (which may require a fee). If you want to continue using the card, once all the balance has been used, then you must recharge it, or add more money to the value of the card. Here are the following ways in which as service provider can allow you to add money to the balance of your account:

Tax Refund

You can have your state and federal tax refund directly deposited into your giftcard balance. Through a service provider's direct deposit service, you can direct the IRS to send the funds there. This also works for most types of government benefit checks as well. Like a bank account, you will need to fill out an application to have this done.

Direct Deposit

You can have your payroll checks directly deposited into your giftcard account. This works similar to having your tax refund deposited. You will need to fill out an application, and it must be accepted (it usually is), before the automatic deposits can occur.

Cash Deposit

You can deposit cash directly onto your Visa giftcard through a few different money transfer type services providers. The 3 most well knows providers that are set up to do this are Money Gram, Western Union and Money Pak. There may be a service charge associated with doing it this way however.

Paypal

Yes, you can use Paypal to add money into your account. You will need to set up your Paypal account to add a new "Bank Account". The "Bank Account" is your giftcard service provider and the individual account number of your giftcard. Once Paypal has made verification of this new account, you can add funds to your giftcard at any tome from your Paypal account.

Check or Money Order

Your giftcard service provider will provide you with an address to send your check or money order in order to add funds to your account. Many providers will offer this service for free yet it takes a bit longer for the funds to get added to the account because it has to go through the postal mail.

Bank Transfer

This method of transfer works very similar to the way you would use Paypal to transfer money into your Visa gift card account for any financial institution that allows for electronic funds transfer. You would need to sign into your financial institutions account and set up a new "online payee" and fill in the information that your gift card service provider would supply you in this case. Once your institution verifies the account, you will be good to go.

Using a Visa gift card is very easy, and it is also easy to add money to the account. This is great for those that get in trouble using credit cards, because in the case of gift cards, you can only purchase whatever value is left on the card. They are also great for allowing parents to support their children who are living away from home. It is a good idea to find out all you can about the uses of gift cards so you can see how they can make your life more convenient.

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Reestablishing yourself as a respectable borrower following bankruptcy can be difficult, but thousands of people are working on the same goal right now. Because of the difficult economy that we are all now a part of, there are many folks who have been forced to file bankruptcy in order to protect their most valuable asset - their home. Even non-homeowners who have assets to protect have been forced to file bankruptcy and are now in the process of rebuilding their financial future. You, too, can rebuild you credit from scratch - with perseverance and diligence, your future can be brighter than ever once your bankruptcy is discharged.

Common Products To Improve Your Credit After Bankruptcy

There are many types of loans that you might immediately qualify for once you have had your bankruptcy discharged. Although bankruptcy is a negative item on your credit report, lenders also know that your slate is wiped clean and you have no outstanding debt. Because you now owe nothing to anyone, you show a great potential to be able to repay them when they loan money to you or extend credit for your use.

Automobile Loans

You might consider taking out an automobile loan after bankruptcy. An automobile loan can be a great way to rebuild your credit and is one of the easiest loans to get for borrowers with your history because the lender has security interest in something of value when loaning you money to purchase an automobile - the automobile itself stands as collateral for the loan. You can also apply a down payment towards the purchase of your automobile - any type of down payment will make your loan application more approvable.

Personal Loans

Personal loans that are secured by a cosigner are also readily available to those who just come out of bankruptcy. When applying with a creditworthy cosigner, the lender will look at the credit history of your cosigner as well as your credit history to make a determination about whether or not to loan you money. Having a cosigner for your personal loan after bankruptcy will not only improve your chances of getting the loan, but also reduce the amount of interest charges that you will pay over the term of the loan as well.

Secured Credit Cards

Secured credit cards provide a wonderful means for you to rebuild your post-bankruptcy credit also. Secured credit cards are issued in the amount that is equal to the deposit you have placed with the issuer when you receive the card. You can get a secured credit card in amounts up to ,000 easily.

Online Lenders Provide Additional Savings

All of these financial products can be obtained with ease by using the services of online lenders. Online lenders have higher rates of approval due to the competitive lending environment that can be found on the Internet. In addition, because online lenders are eager to draw in new borrowers, there are additional savings to be had in the way of reduced interest rates and friendlier repayment terms.

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Many people automatically associate Medicare with seniors and for the most part, that assumptions pretty correct but not entirely. There's a whole other category of people for whom Medicare is life send for them and they may not be close to age 65. Medicare is also available to people who have been deemed permanently disabled according to Social Security rules. Let's take a look at what is commonly referred to as pre-65 Medicare for the permanently disabled and also understand how Medicare supplement insurance plans conform to this less typical eligibility.

Permanently and totally disabled is the official term that Social Security uses to described someone who is then eligible for various benefits including Medicare prior to age 65. The "Permanent" part of the equation is important since a temporary situation will not make you eligible. It must be a situation that not only will not change but prohibits you from returning to the workforce in any meaningful way. This is the only way to get Medicare prior to age 65. Disability coverage was added in 1956 with the Social Security Disability Insurance (or DI for Short) and it was one of the largest expansions of the original Medicare plan and eligible base since the original plan was launched in 1935.

It's important if you are permanently disabled (which is a process undertaken through your local Social Security office) to make sure to follow their instructions to the letter especially in terms of time tables and requirements. You do not want to be in a situation where you did not submit paperwork (say to elect Part B) in a certain window and will therefore have to wait for a period of time before Medicare is available to you. We get these calls frequently and it's always disheartening since there's not much we (or the applicant) can do and quite frequently, the pre-65 disabled member has significant health issues and no other insurance. Unless they had existing coverage (pre-65 individual/family or group based coverage), they will likely not be able to qualify for other coverage except for maybe PCIP, the Federal pre-existing condition plan for people without prior coverage for at least 6 months. There are four important parts to make sure transpire smoothly for pre-65 Medicare. First, is your designation of permanently and totally disabled. Secondly, you want to make sure your Part A for Medicare is installed. You also want to make sure your Part B (physician costs with Medicare) is opted (much be elected voluntarily) within a certain time constraint from Part A and disabled status dates. Finally, you need to make sure to apply for your chosen Medicare supplement insurance plan and Part D for medication within a certain time from Part A/Part Medicare enrollment.

This bring us to our discussion of Medicare supplement insurance for pre-65 disabled people. Although the Medicare supplement insurance plans are standardized by the government so that an F plan is an F plan, whether over or under age 65, there can be some differences. For one, some carriers may not offer a full range of the plans available under Medicare. For example, they may only have the F plan. The rates can be different for pre-65 Medicare supplements as well than for over age 65. It's important when researching everything you need to do for pre-65 Medicare with disability that you deal with an experience Medicare Supplement broker and really compare the medigap plans and quotes available to you.

Dennis Jarvis is a licensed insurance agent concentrating on medicare supplement insurance. Find more articles and guidance about medigap plans.

Dennis Jarvis is a licensed insurance agent concentrating on medicare supplement insurance. Find more articles and guidance at

Advance To The Smarter Technology With Samsung Galaxy S2

Being the latest technology smartphone with excellent features, Samsung Galaxy S2 has the technical specifications like dual core processor, 8mega pixel camera with high video resolution, 4.3 inches touch screen and many more advanced applications. The thinnest smartphone has a 2mega pixel front camera with Led flash which supports video calls. Samsung Galaxy S2 has the internal storage of 16GB and 32GB along with the micro SD card slot available. An exciting feature of this mobile phone is that it can provide HD video recording of 1080p with perfect picture quality. With NFC integration and running on user friendly Android platform with long lasting battery, Galaxy S2 is expected to have all the other high end applications which a recent latest technology smartphone could have.

With its stunning applications and exclusive deals, this smartphone is about to rock the UK market. Excellent connectivity options of Samsung Galaxy S2 give you faster web browsing and the user friendly Android OS allows multitasking in a much enjoyable way. Top UK network providers' offers cheap deals like pay monthly, pay as you go and simfree. These deals have excellent benefits like unlimited minutes and texts, free gifts and cash back to offer the consumers. Unlocking the phone can also be done to access the applications of other networks with the help of unlock codes, which you can get along with purchase of the smartphone. People are enthusiastic and are expecting the arrival of this smartphone because of its fantastic features.

With the launch of Samsung Galaxy S2, most people are about to change their mobile phones. The advanced applications of this smartphone will definitely make the people upgrade to this new technology. Rather than dumping your old mobile phones, you have an option to recycle it. A survey states that about 90 million phones are discarded every year in UK and these electronic wastes are often a hazard to environment. Recycling phones is made much easy with many convenient recycling schemes. When you upgrade to this smarter version of Galaxy S2, recycle your Samsung Galaxy S i9000 for cash.

Many recycling companies offer you enough prices for your old phones. It is better to sell than to keep it in your cup boards. Many websites offer mobile phone recycling online and you have to send your old phones by post. The companies check whether the phone is in working condition or not and pay you the cash. It is thus a simple and useful process to recycle your old mobile phones. Even if your old phones are not in good working condition, it is possible to sell the parts to manufacturers for a lower price. Compare for best price to recycle your Samsung Galaxy S i9000 in and find the best possible deal to sell your old Samsung phones.

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Although it doesn't require a PhD in rocket science to start up a business on a low budget. However there are issues which if addressed early on will set your new business apart from the high percentage of business failures. Some business Guru's deem it as madness to consider to start up in business in the middle of an economic downturn. However in my experience, many of these business guru's are out of touch and simply wrong. Economic downturns present lots of wonderful business opportunities for business entrepreneurs who are willing to take calculated risks.

During uncertain economic times most businesses batten down the hatches and try to ride out the devastating effect of a recession. What this means in reality is that gaps appear in the market place where previously lots of other businesses were chasing the same opportunities. In effect, the race for the finishing line was very, very crowded. Whereas in the midst of a credit crunch, the finishing line has very few runners.

When most of your potential competitors have taken their eye off the business ball while attempting to ride out the storm, you have the opportunity to enter the market and start up a business on a low budget. Please don't confuse a low budget, with a no budget, as there is quite a difference. Unless you have an absolute sure fire high income generation business idea, which will instantly convert into business revenue from day one, with no initial financial outlay, then attempting to start up in business on a no budget is corporate suicide. Historically the only exceptions to this rule are start.biz dot.coms. Even though there was a flood of these businesses, the bubble quickly burst when a former economic downturn hit the business world. Generally speaking, to start up in business you require business start-up finance. This typically comes in the form of a bank loan, external investment, internal investment, i.e. from your own revenue or a loan from family and/or friends. Some businesses source a business start up grant while the more canny business entrepreneur approaches a variety of institutions for their business start-up loans.

To successfully start up a business on a low budget and steer it through to long term sustainable business success you need the following 5 things

1.A well researched fantastic business idea. For the benefit of this article I'll form an imaginary company called start.biz and use this as an example for how to start up a business on a low budget.

2.A business growth specialist. You need someone in your start.biz business who is skilled and a proven business growth specialist. These people are typically referred to as a business consultant. It's true that many business entrepreneurs form their own businesses and assume sole control over its direction and perceived growth. However the number of annual business failures are testament to this corporate folly. Most managing directors, as high as 97% of them, have no formalised academic business management training. This doesn't bode well when a new untrained managing director decides to start up a business on a low budget. This and a lack of adequate business start-up finance are the two biggest killers of any new business start-up.

3.A carefully crafted strategic business growth plan for your start.biz. This should not be confused with a conventional business plan which is generally only ever required for obtaining finance or investment from a financial institution. Your start.biz strategic business growth plan cannot be a generic business plan written on a template obtained from one of the banks or online financial institutions. It has to be a carefully crafted bespoke plan designed by you and your business consultant.

4.Business start-up finance for your start.biz. It doesn't matter whether it is a bank loan, a business start up grant, investment, or one of the business start-up loans. You need finance to tide you through the first troublesome months when your cash flow is tight.

5.Passion. For start.biz to stand the test of time you as the managing director have to have oodles of passion, an aptitude for hard work and a burning desire for start.biz to succeed and become the best business start up.

Fuse these 5 components together in your new start.biz and you have the success formula to start up a business on a low budget within your grasp. Manage your business well and you can achieve relatively short term financial success. Who knows you may even win an award for the best business start up. One of my current clients is a 20 year old business entrepreneur; he has just been shortlisted for young business entrepreneur of the year. Like I said opportunity knocks in times of crisis you just have to open your ears to hear it.

Copyright (c) 2009 Dr Mark Yates

Cover Letter Closing

A cover letter is a trick communication tool. One of the most difficult part is writing a cover letter closing that make a good impact. In the following article, some important points regarding such a letter have been discussed. To know more, read on

In your entire life time, once in a while, you will draft a very important document - cover letter. Closing of this kind of letters is absolutely difficult as this makes a last and lasting impression on the reader. The cover letter closing has been described in the following paragraphs. In case if you need to have a look at the other elements of the cover letter. Closing, the concluding aspect goes as follows. You may also refer to some letter writing guidelines and writing tips.

Cover Letter and its Closing
While writing a cover letter, you will always come to the concluding point of the letter, you will pause and think: 'how exactly can we say good bye to a person?'. Well the answer is that you should never say good bye. You should 'conclude'. This way the ball lands in the other person's court and the more better the closing, the more are the chances it will be shot back to you with a positive note.

Cover Letter: Before we get to some sample cover letter closing statements, let us get a closer look at the conception of cover letters and try to answer the impending question 'what is a cover letter'. A cover letter is basically a letter, which is a formal introduction to your response to an inquiry or advertisement. A cover letter is essentially a formal letter and is usually sent with other documents such as a CV, resume or even business documents such as quotations, business prospectus or inquiries. The cover letter principally bridges the 'approach' aspect of a said business deal, may it be an employment opportunity or a potential business deal. The contents of such letters are simple, straight forward and down to the point. In many cases the entire letter is rounded off in a few sentences, as there is no room for out of the context and irrelevant thoughts. Thus the best way to write a cover letter is to stick to facts in a very precise manner, yet the language should should sound positive and thoughtful.

Elements of the Cover Letter: The cover letter is broadly divided into three parts, namely, the introductory paragraph, where the reason or cause of letter is explained. Following the first paragraph, the main clause of the letter is explained and primary facts and figures that relate to the attachments of the letter are explained. The last paragraphs which is known as the cover letter closing paragraph is written. In some cases it can also be single, cover letter closing statement. This paragraph is followed by cover letter closing salutation. You can get all the elements from any cover letter format sample.

Cover Letter Closing Examples
The closing of the cover letter differ from situation to situation and the wording of the closing statement is also considerably differed accordingly. For example if you are writing a career change cover letter, you will need to keep the last statement hopeful, positive and sincere. For example, you can sound something like,

'though I am new to the field I really home that you will consider my application for an apprenticeship'

In cases where the cover letter is for a business deal or proposition, the statement can be a bit more, let's say arrogant, you may sound something like this,

'we hope that the proposition is considered by your company, as it is equally beneficial for every involved party, thanking you for your time'

Well apart from the fact that the language has to be universally polite, there should also be a hint of extra politeness or humbleness in cases where the person to whom you are writing to is of an exceptionally superior designation. Some people who want a reply as soon as possible, tend to include statements such as

'you may contact me at (O)_______________ or my (m)_____________. Alternately you may also consider, sending an email at ____________________.

Apart from the cover letter closing statement, addressing the person with a requisite salutation at the end of the letter is also necessary. Some salutations include:
1. Respectfully
2. Thank you for your consideration
3. Thank you
4. Yours truly
5. Respectfully yours
6. Kind regards
You can also go through writing a resume cover letter and writing a cover letter for an internship for some more information.

The statement and salutation should basically depend upon your tone of the letter and the over all flow of the letter. The better the cover letter closing is the better impression is going to be made on the reader, hence do not hesitate to make any innovate but appropriate cover letter closing statements and salutations. Good luck.

Tips to Choose the Right Bankruptcy Lawyer For Your Needs

Bankruptcy is an extremely serious matter that can disrupt the entire life of a person and leave him/her totally helpless. In such a terrible situation, if you get stuck with a poor bankruptcy lawyer who is not fit for the task, you will only end up making the matter worse. In today's world, we are witnessing a sharp rise in the demand for bankruptcy lawyers. Due to this, a large number of incompetent attorney are also coming up with the view to make lots of money by cashing in on debtors who are going through tough financial times by providing them with inferior quality legal services. Thus, it is important to be extremely careful while hiring a bankruptcy lawyer. Follow the below mentioned tips to choose the best possible professional for your needs.

Tips to Hire the Best:
Today, the economic conditions in most of countries around the world are deteriorating drastically. As a result, the demand for bankruptcy lawyers has increased. Just like any other commodity, this increase in demand has resulted in the increase in the number of incompetent attorneys who are just looking to make a quick buck by exploiting the debtors who do not have much knowledge of the laws and procedures related to filing of bankruptcy. Thus, it is extremely important to filter out the bad attorneys from the good ones who will help you in whatever way required and guide you through the entire process. Here are some tips that you can keep in mind to identify good attorneys.

Investigation:
A large number of people feel extremely panicked when they reach the situation of declaring bankruptcy and they make the mistake of selecting the first lawyer they cross paths with. However, this can be a huge blunder as carrying out a proper investigation, including background check, is a must for choosing the right attorney to represent you.

Word of mouth:
Keep in mind that a good bankruptcy lawyer would always be renowned and well-known, particularly amongst business circles. So ask around and try to gather whatever information you can from others who have filed bankruptcy in the past and try to find out who represented them. This is one way of getting firsthand information, which can be extremely helpful. Your best consideration for choosing a good attorney should be his experience in the specific area you need assistance with.

Courts:
Take some time out and visit a bankruptcy court as this is the best way of finding good attorneys. Not only will you be able to contact a number of the attorneys here, you will also get a clear idea of how attorneys are supposed to conduct a trial while defending a case in court.

Attending consultation sessions:
A number of free consultation sessions are available where you get the opportunity to ask whatever questions are on your mind related to bankruptcy and the associated trial. You can also get a number of good contacts here, which will surely help you in future. Keep in mind that your attorney will be the biggest factor to decide the outcome of the case. So, make sure to choose the best possible lawyer who can successfully swing the result of the case in your favor.

Panel of Attorneys:
Another great place to look for the most respected and best possible bankruptcy lawyer for your case is at a bankruptcy attorney's panel. These lawyers are preceded by their own reputations and you will surely be able to find some good lawyers who have lots of experience of dealing with bankruptcy issues here. Visiting the offices of lawyers you have shortlisted will also give you a clear idea about their reputability.

The Bankruptcy Attorney will definitely help those people if they have filed for bankruptcy so that, the common people do not get over burdened with the debt which will be impossible for them to pay back.Click here for Bankruptcy lawyer.

If you are looking for the best person to advise you on business liquidity issues and insolvency, the best person to do so is a business bankruptcy attorney.Visit for more details.

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Shooting in Monochrome
To give a contemporary photo an old-fashioned feel, try shooting in monochrome. A picture done entirely in black and white or sepia tones achieves on old time look. Rather than editing the picture through a computer program, many digital cameras feature a setting that enables you to actually shoot the images directly in monochrome.

The monochrome setting option simplifies the process of creating these stunning pictures. No software or special knowledge of photo editing is required to produce these stunning images. Depending on what type of digital camera you have, the monochrome setting will be located in the My Colours, Colour or Picture Style settings menu.

Types of monochrome settings
Once you've located the monochrome setting, you will see that you have different options. Black and white and sepia settings are offered by most digital cameras. Colour monochrome settings, such as green and blue, are included in some cameras as well. The more advanced cameras enable you to enhance the monochrome mode with various coloured filters. These filters allow you to achieve a number of effects. For instance, you can recreate the effect of a red filter over black and white film. Also, any colours in the subject that are the same colour as the filter can be selectively lightened.

Choosing a setting
Consider the emotion you want the photo to evoke. Sepia tones create a different feel than black and white, and vice versa. For example, a sepia-toned image will present a softer look, reminiscent of antique photos. Black and white, on the other hand, is ideal for photographing strong structural elements for stark contrasts.

Choosing your subject
Landscapes and city scenes tend to feature strong structural elements, such as buildings. Shadows actually enhance these subjects. Sunlight casts the lines and angles with dramatic patterns. To record the most detail possible, use an ISO setting of 200 or less. Low ISO settings best capture the shadows and structures that make for striking monochrome photos.

Gentle, more romantic settings also lend themselves well to monochrome mode. A dream-like or nostalgic mood can be evoked through monochrome photography. Subtle nuances emerge through the variations in tone.

Portraits, of both pets and people, are excellent subjects for monochrome photographs, particularly those done in black and white. You can vary the effect by changing the lighting. Soft light minimises the appearance of blemishes. Directional lighting, lighting which emanates from a single source, accentuates facial features.

Tips for shooting in monochrome
As explained above, the monochrome setting directly captures monochrome images. No colour information is recorded. While colour photos can be made monochrome with computer software, a photo taken in the monochrome setting cannot be reverted to colour. That is, unless you take the pictures in RAW format.

Try using your digital camera's flash, whether inside or outside, when taking monochrome photos. Although the flash might washout an image taken in colour, that same flash can cast desirable dramatic shadows in monochrome.

Experiment with the different filters before you start taking photos. Your efforts will be better directed if you first know the effect that each filter achieves.

This article was brought to you by Canon Australia - Helpful photography tips

About Canon

Canon Australia is a leading provider of advanced, simple-to-use imaging solutions for businesses and consumers. Canon's Australian R&D company, CiSRA, develops customised solutions for local customers, and exports digital imaging technologies for use in Canon products worldwide. Canon has ranked among the top-three US patent recipients for the past 16 years, and had global revenues of around $ US39 billion in 2007. Canon Australia also operates Canon Finance Australia, which offers one-stop shopping for customers wanting leasing or finance services. For more information, visit canon.com.au.

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If you are in the market to lease a vehicle, you will hear the term residual value recur like a leitmotif. A residual value does not only affect your monthly payments, but is equally used by leasing companies to determine any penalties should you break your lease early and how much to pay if you decided to buy the vehicle at the end of your lease.

Let us first start by looking at the meaning of residual value. The term residual value, refers to the value of something after it has been used for some time. In leasing lingo, it refers to the depreciation of the vehicle's value over the life of its lease. So how does it exactly affect your monthly payments? When you lease a car, you pay for the car's value that you use over the lease length. Suppose you leased an ,000 car for 2 years: the leasing company needs to estimate the value of this car in two years time in order to know how much of the car you will be using during your lease term. That's where the residual value comes into the equation. If the residual value is estimated to be ,000 at the end of your lease, then your monthly payments will be calculated on the ,000 you will use over 24 months, giving an average monthly payment of 8.3 (plus interest, tax and fees). How about if the car is expected to lose half its value over the same period? In this scenario, you will be using ,000 over the same period, leaving you with a higher monthly payment of 5 (plus interest, tax and fees). As you can see, residual values are a key factor in determining how much money to pay on your lease and the higher the residual value, the lower your monthly fees. This works in reverse if you build a bond with your car and decide to purchase it at the end of your lease. If we stick with the same example above, the lower monthly payments in the second scenario come at the cost of paying substantially more to buy your car at the end of the lease.

So, since the residual value is so important, how do I know which one is best for me? Well, it all depends whether you want to purchase the car at the end of your lease. If you don't want to make a large down payment and you want low monthly payments, then a car that holds with a higher residual value is a good deal. If you are thinking of purchasing the car at lease-end, then you need to balance low-monthly payments with a moderate residual value.

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American Express and Starwood Hotels & Resorts Worldwide, Inc. launch the Starwood Preferred Guest Business Credit Card for small business owners and the enhanced Starwood Preferred Guest Credit Card for consumers.

Cardmembers can take advantage of greater benefits and richer rewards, making it easier than ever for consumers, and now small business owners, to earn free nights at more than 825 Starwood hotels and resorts around the world and award flights with more than 30 airline partners.

Credit Card Features:

10,000 Starpoints bonus with first purchase ? enough for up to three free nights(1)

Double Starpoints on stays at participating Starwood Hotels & Resorts and purchases at select Starwood retail outlets, such as Bliss Spa and more(2)

Automatic upgrade to Gold Preferred Guest membership status by spending ,000 on the Card in each calendar year. Access to private sales with select Starwood retail outlets.

The new Business Card incorporates all of the improved benefits of the Starwood Preferred Guest Credit Card, as well as programs and services tailored specifically to the needs of small business owners, including the OPEN Savings(SM) program which was designed specifically for small businesses and gives automatic discounts on purchases at OPEN Savings(3) partners, such as Delta, FedEx Kinko's and JetBlue. In addition, the Business Card provides expense management reporting, an online spend tracking system and spending limits on additional cards that aid in better managing employee spending.

Credit Card Benefits:

One (1) Starpoint for every eligible dollar spent on the Card

Redeem Starpoints at over 825 participating Starwood hotels and resorts in 95 countries with no black out dates? if there's a standard room it's yours.

Transfer Starpoints to over 30 frequent flyer programs, most on a one-to-one basis

Receive 5,000 Starpoint bonus when you transfer 20,000 Starpoints to miles(4)

First year fee-free, and annual fee thereafter; fee-free additional cards

Automatic enrollment as a Starwood Preferred Plus member

Receive a 50% off certificate, good towards a Starwood hotel stay, upon Card approval and annual renewal

No limit on the amount of Starpoints a Cardmember can earn

Competitive Introductory purchase Annual Percentage Rate (APR) for six (6) months

Retail and travel protections such as Global Assist, Car Rental Loss & Damage Insurance, Purchase Protection Insurance, Travel Accident Insurance, American Express Card Baggage Insurance, Buyers Assurance Plan, Express Cash Emergency Card Replacement, Emergency Check Cashing, and 24-hour customer service.

The new Starwood Preferred Guest Business Card and enhancement to the Consumer Card are an expansion of the existing relationship between Starwood and American Express. The new Cards make it easier than ever for consumers and small business owners to quickly earn exceptional travel rewards through spending on their cards. Starwood and American Express have enjoyed a strong cobranded card partnership since 1996, when American Express first launched the ITT Sheraton ClubMiles Card.

Credit Card Benefits Eligibility Requirements:

(1) To be eligible to receive 10,000 bonus Starpoints, you must make your first purchase with the Starwood Preferred Guest Credit Card within one year of Card approval. Bonus Points will appear on your Starwood Preferred Guest statement 8-12 weeks after your first purchase. Bonus Starpoints are for first-time Starwood Preferred Guest Credit Cardmembers only. You may have more than one Starwood Preferred Guest account, however, if you have or had any such account you are not eligible to receive bonus Starpoints you may be offered for any other such account.

(2) You will receive one additional Starpoint for each U.S. dollar of Eligible Spending charged on your Card Account at Starwood branded hotels and resorts then participating in the Starwood Preferred Guest loyalty program, and at stand-along retail establishments and on-line stores that, in each case, are wholly-owned by Starwood Hotels and resorts Worldwide, Inc.

(3) OPEN Savings(SM): Payment must be made with an American Express Business Card. Savings will be credited to your American Express Business Card billing statement. All savings referenced are in addition to any offers made by participating companies. Participation and offers are subject to change without notice. Terms and conditions apply.

(4) A 5,000 Starpoint bonus is based on airlines with a 1 Starpoint to 1 mile conversion rate; equivalent bonus will be awarded in accordance with other airline conversion rates.

All rights reserved. Article may be reprinted as long as the content remains intact and unchanged and all links remain active.

The Podcast For This American Life

The podcast for This American Life allows listeners to download the the shows and listen to them at their discretion. The This American Life team contracts with a site called audible.com to distribute the shows to listeners who want to hear them. Despite calling their offering a podcast, however, it is not, at least in the normal sense of the word.

A podcast refers to an online setup with an RSS feed that is regularily updated, can be subscribed to, and provides links to sound or video files that can be downloaded and watched by the subscriber.
Audible.com and This American Life do not offer that. Instead, the show's team allows audible.com to receive money for allowing listeners to download the sound files to the computer from audible.com's web site. The only RSS file involved is one specific to the user which allows that user access to the shows they are interested in. Even odder than charging for a supposed podcast, the sound files downloaded are tied to the specific user who downloads them. Unlike the vast majority of podcasts, which allow the files to be distributed and redistributed as the end user wishes, without placing limitations on such, the This American Life podcast restricts the file to a single user.

The podcast for This American Life misses the point of what a podcast is intended to be, the free distribution of information. The This American Life team is exploiting the term podcasting, and the credibility and hipness that
is associated with the term in order to boost their own popularity.

On the other hand, the podcast for This American Life may be where the rest of the industry is headed. Although the technology was first adopted by
independent media groups that enjoyed it because of the low cost of distribution and the close possible ties to end users, that may change when podcasting becomes a wider phenomenon. If podcasting is adopted by more
mainstream, corporate entities, the face of podcasting is likely to change to one where a profit plan is required. Audible.com's plan of forcing users to subscribe and pay for the feeds they want may be the way the corporate world decides to latch on to and use podcasting. The advantage of podcasting, direct distribution of the media files to the user's home
computer quickly and easily, is not lost if the system moves to one revolving around profit.

Regretfully, the podcast for This American Life is probably an example of what podcasting will be in a few years. As much as locked media files that restrict distribution may be repugnant to many of the free information activists that curently dominate podcasting, there is little to stop those who want to use the system to make a profit from doing so.

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Introduction
It has long been the position in the English legal system that trusts can only be one of two types, namely: private or charitable. However, there now exists a creature of statute which introduces a third type of trust called a purpose trust.

A purpose trust is a trust which does not have any beneficiaries and exists for a specific purpose. A purpose trust for charitable purposes would not be valid under the act. Purpose legislation exists in jurisdictions such as Liechtenstein, Cyprus, Cook Islands, British Virgin Islands, Nevis, Turks and Caicos Islands, Antigua and the Cayman Islands. Jersey and the Isle of Man introduced purpose trust legislation in 1996. The formation given below relates specifically to Isle of Man purpose trusts formed under the Isle of Man Purpose Trusts Act 1996.

Purpose trusts are not trusts in the true sense and are designed to be used as adjuncts to taxation planning structures in various ways.

How it works
A purpose trust is formed as a result of a deed of trust between a settlor and a trustee or trustees. To be enforceable the trust document must clearly define the purposes of the trust so that a court may determine these purposes.

There must be two or more trustees, at least one of whom must be a person in one of the categories specified in the act.

To enforce the trust there must be an Enforcer'. The Enforcer oversees the actions of the trustee to ensure that those actions further the purposes stated in the trust documents. The trust instrument must provide for the Enforcer to have an absolute right of access to any information or document which relates to the trust, the assets of the trust or to the administration of the trust.

The trust instrument must specify the event which causes the trust to terminate and must provide for the disposition of surplus assets of the trust upon its termination.

A purpose trust cannot have any beneficiaries, so all assets in the trust must ultimately be paid out towards the purposes of the trust, as set out in the trust document.

The designated trustee must keep a copy of the trust deed, a register and trust accounts. These accounts are open to inspection by the Attorney General but are not available for public inspection.

The trust deed and the purpose
Much care has to be taken in drafting the trust instrument particularly with regard to the purpose. There are differences in the laws of other jurisdictions which have to be taken into account if a trust is to be established. Bermuda Law, for instance, now requires a substantive purpose beyond the mere holding of shares.

The trust deed document will set out the duties of the trustee or trustees and the enforcer.

The enforcer
The role of the enforcer is to oversee the trustees to ensure that the trust is administered in order to satisfy the purpose for which it was established.
An enforcer can be a corporate entity as can the trustees. There is nothing to prevent one being the subsidiary of the other.

The enforcer may not be a trustee of the trust, nor may he profit from the trust.

Provisions exist in the law for the registration or removal of the enforcer.

Should the enforcer die or become incapable, the Attorney General may apply to the court to appoint a successor.

Uses
Off balance sheet transactions
Where, for example, restrictive covenants have been entered into preventing a particular individual or company investing in certain areas, or companies, the investments may now be held within a purpose trust. Because there are no beneficiaries to the purpose trust, a link cannot be established between the investor and the investment. If the trust were set up with a short life, then the assets would revert to the settlor on termination.

Corporate finance/asset financing
Purpose trusts can be used to segregate investment funds or asset ownership within a subsidiary (as security from the lender) from group risk.

This is clearly an acceptable form of asset protection. It is becoming common in ship and aircraft finance/construction and in leasing transactions. In all of these cases the trust ends when the loan is satisfied, while in the interim the lender/financiers' cash flow is protected. The lender is further protected because the ownership of the subsidiary cannot change until the trust is terminated.

Division of voting and economic benefit
It is sometimes necessary to demonstrate that control' is not vested in a particular entity. Different classes of shares in a company can be created with voting control being in the hands of one party and dividend rights in the hands of another. Thus voting shares may be placed in a purpose trust and the remaining shares held by the party seeking the economic benefit.

Ownership of trust companies
Some settlors of conventional trusts have concerns that control could be transferred to trustees over which a settlor has no influence. A purpose trust established to own a family trust company will usually overcome this difficulty. It enables the trustee to carry out its duties independently and gives assurance to the settlor that the board of directors of the trust company can be changed at any time by the shareholders i.e. the purpose trust. Another advantage is that on the death of the settlor the shares of the trust company are outside the settlor's estate and will therefore not pass to heirs who might otherwise control the trust company in a way not intended by the settlor.

Securitisation
Many structures creating international securitisation which in the past have used a charitable trust can now be set up using a purpose trust.

Social Benefits
A trust may have social, though not charitable, objects. For instance, a trust could be set up to benefit an area of outstanding beauty and to provide funds for its maintenance.

Investment in family companies
Much has been written about the difficulty of trustees of a non-purpose trust holding shares in family companies where the economic purpose is poor. If instead a purpose trust were put in place with the purpose of investing in Smith family companies' the trustees would have no need to be concerned that their actions could be criticised.

Acceptance
International recognition must be considered. Will the courts of the jurisdictions of the situs of the trust property, of the domicile and residence of the settlor and beneficiaries, and any other relevant jurisdictions recognise the purpose trust as a valid trust? Those states which have ratified the Hague Convention on trusts have undertaken to recognise trusts for a specified purpose'.

Taxation
A taxable event occurs on the termination of the trust if the assets revert to the settlor. There may also be tax implications of the initial transfer of assets into the trust.

While the assets are under ownership of the trustees of a purpose trust the taxation will at least be neutral. In the case of assets which can physically be removed to the Isle of Man, the taxation can be seriously mitigated and, in some circumstances, possibly eliminated altogether.

Summary
The purpose trust has several significant advantages over conventional trusts in certain situations. An important factor is that there is a clearly defined trust deed and strong modern legislation supporting the structure.

Certain changes must be reported to the authorities. The records of the trusts may be inspected by the Attorney General (Isle of Man) and there is a much more visible and comprehensible regulatory framework.

The role of the enforcer is a key feature.

Its use in segregating assets, in dealing with fixed term events like loan replacement, and in providing a layer of confidentiality and its flexibility make it a valuable tax planning tool for the 21st century.

Best Locations In Bangalore To Buy Residential Property

When you think of buying a residential property in Bangalore, the choices are many, ranging from simple one room house to independent villas. But, choosing a location can be quite a cumbersome task, as you have to choose a property that suits your needs and your pocket too. The price of a property depends on the type of the property and the location. You will need a bigger pocket if you are eyeing the central areas that are well connected and located in the heart of the city. Or, if you are satisfied staying in some interior part of the city, you don't need to worry much about the expenses.

The most popular areas like Brigade Road, M.G. Road, and Cunningham Street etc. are mostly known for their commercial importance and it's a mammoth task finding a house in these areas. Apart from that, there are some residential areas as well, that may not be as pocket-friendly as you want your desired locality to be. For example, Sadashiv Nagar, Whitefield(Villas), Off Cunningham Road, Off Palace Road etc that are known to be the abode of the affluent.

Following is a list of stylish, well-planned residential areas in Bangalore that are well connected and yet, are average budget localities:

Indira Nagar-Located within a diameter of few kilometers from Domlur airport, the area is well connected to rest of the city. It can boast of several renowned hospitals and educational institutions as well. There are a number of shopping options in addition to nearby pubs, bars, restaurants, gyms etc. The area can be classified as an average budget area.The average price and rent for apartments in this area is Rs.4736/sqft and Rs. 16/sqft respectively. The price for residential plots, on an average is Rs. 8935/sqft.

Koramangala-Reputed firms and business houses, renowned educational institutions, St. John's Hospital and a number of shopping centers and malls, this area is surely a very good option to settle down. Criss-crossed by many roads and near to Indira nagar, the area doesn't seem to be facing any sort of connectivity issue.The average price and rent for apartments in this area is Rs.4614/sqft and Rs. 18/sqft respectively. The price for residential plots, on an average is Rs. 6570/sqft.

Banshankari- A medium budget locality at about 15 Km from railway station and 25 Km from the airport, the major connecting road is the 100 feet ring road. There are a number of new projects developed recently or under development in the area.The average price and rent for apartments in this area is Rs.4232/sqft and Rs. 9/sqft respectively. The price for residential plots, on an average is Rs. 3693/sqft.

Jayanagar- Lying close to Banshankari, Jayanagar is a well developed residential area with a cosmopolitan setup. There are a number of shopping complexes, educational institutions and some of the most famous food joints, e.g. Mughal Darbar, Taj Darbar, Blue lagoon etc., in the area.The average price and rent for apartments in this area is Rs.4974/sqft and Rs. 15/sqft respectively. The price for residential plots, on an average is Rs. 10167/sqft.

Malleshwaram-It is one of the greenest localities of the Garden City. The place is naturally beautiful with the lush greenery all around.The average price and rent for apartments in this area is Rs.5223/sqft and Rs. 16/sqft respectively. The price for residential plots, on an average is Rs. 8312/sqft.

Marthahalli- Close to Whitefield and Sarjapur, the area is well connected and offers lots of new projects as well, to choose from. It is again a medium budget locality.The average price and rent for apartments in this area is Rs.2617/sqft and Rs. 12/sqft respectively. The price for residential plots, on an average is Rs. 2863/sqft.

BTM Layout-Located in the southern Bangalore, the area houses the IIM. It is a well planned residential colony with developed road system and separate market place.The average price and rent for apartments in this area is Rs.3174/sqft and Rs. 12/sqft respectively. The price for residential plots, on an average is Rs. 5110/sqft.

Madiwala- An area for small budget home seekers, Madivala is one of the most crowded areas of Bangalore. Though the interiors of the locality are not comparable to those lying in the vicinity, it is nearby to BTM, Koramangla, and HSR Layout areas.The average price and rent for apartments in this area is Rs.2785/sqft and Rs. 12/sqft respectively.

HSR Layout- The area is well connected to Whitefield, Marthahalli, and Electronic City, where most the offices are located. Well connected to the city and better infrastructure makes it dearer. You can find any number of medium budget houses in this locality.The average price and rent for apartments in this area is Rs.3351/sqft and Rs. 12/sqft respectively. The price for residential plots, on an average is Rs. 4402/sqft.

K R Puram- Krishna raja Puram or K.R Puram is well connected to the city. You can find hundreds of flats in this area, depending on your needs and budget.The average price and rent for apartments in this area is Rs.1796/sqft and Rs. 10/sqft respectively. The price for residential plots, on an average is Rs. 1151/sqft.

Dangerous Credit Car Mortgage - Getting Permitted By Method Of A Sub-top Lender.

In case you are experiencing rejections from car lenders, it could be as a outcome of you may have a foul credit. You should realize that in immediately's economic condition, it is getting tougher to get approval for auto loans from prime lenders. if high creditors are refusing to lend to you, you would possibly take into account going to sub top lenders. Sub high creditors wouldn't have strict requirements as do general finance companies.

Sub-prime lenders are in the enterprise offering loans to terrible credit score individuals. Regardless of your credit score state of affairs, a sub-prime lender will be capable of get you approved. With the goal to get you permitted, they are sure requirement it's vital to meet.

These requirements fluctuate with every sub-top lender and there are preset guiding principle each lender must follow. Getting authorised may depend on some of the next elements under:

Size of Employment: What number of years you've been operating in the same subject or for the same employer. Such a lot lenders want it to be among 12 months to 4 years.

Earnings: The amount of cash you might be bringing in each month. So much lender choose that you are making at the least 00 a month.

DTI: This is called Debt to Income Ratio. That is merely the amount you would possibly be spending each month minus the amount you are bringing in each month.

Payment to Income Ratio: Your payment to income ratio should not exceed below 30% of your earnings earlier than taxes.

Different issues could also be calculated relying on the creditors lending criteria.

The sub-top lender might also require you to have a down payment. There are others option to pay for the down fee without utilizing cash. You could use rebates or commerce off an old automotive that's already paid off. It is at all times good to scale back your month-to-month contribution in the path of your automotive payment.

It is always a great thing to buy round for sub-high lenders. In view that they've totally different fee and phrases, you must discover the lender that meets your requirement. No matter your credit score state of affairs, you'll find sub-prime lender who could make a loan out to you.

Solve Financial Crisis With Payday Loans.

A person can get a financial crisis at any time. In many cases, people do not have enough money to solve the financial crisis. If you ever face such a crisis situation when you need money immediately then take payday loans to solve the problem. Anyone working under a company receives his salary on the payday. But when the money is already used for some other job then you can take a short term loan or the payday loan. This will give you some extra cash before your next payday and you would be able to solve the immediate financial problems.

The short term loans that give you some extra cash before the payday are termed as payday loans as a person has to repay them on the payday. There are several institutions which offer payday loans to individuals. Getting a payday loan is quite simple. One just needs to fulfill some basic formalities to get a payday loan. As the payday loans are sanctioned within a very short period of time, they are also termed as quick loans. Payday loans are meant for the urgent needs and so the borrowers do not take much time to sanction them. Generally, these loans are approved within 24 hours of the application.

Payday loans are sanctioned for a very short period of time. Hence, the rate of interest for these loans is higher. But that does not affect the customer much as he had taken the loan for few days. The salary of next month is used as the collateral for the loan and so a person should use the loan money wisely. One should not make it a habit to take payday loans. If someone takes payday loans every month then he would have to pay a huge interest.

The eligibility to get a payday loan is quite simple. You can get the loans easily from any lender if your working period is ninety days or more. Anyone who has lost his job and is unemployed at present is not eligible for this loan. Basic criteria have been fixed for the loan. One needs to fulfill the basic criteria for the approval of his loan. The proof of income should be deposited to the bank. Someone who wants to get quick cash from payday loans should have bank account with debit card or check book facility.

These days many lenders offer the service of payday loans online. Someone who wants to get a fast response of their application for payday loans can fax the application to lenders. They would check the eligibilities of the borrower and transfer the loan to the bank account of the borrower. If you want to get a payday loan then you can contact any lender you feel. By having clear information on the payday loans you would be able to get the payday loan faster.

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One of the most important duties of a business owner is to solve problems. Some of these obstacles will be more critical than others, and prioritizing problems properly might be as important as formulating business solutions. Identifying problem areas accurately in the first place can also make the entire process more productive. No matter how successfully problems are identified and prioritized, the final test will require that they be solved in a timely and effective manner. But problem-finding, prioritizing and solving each have an important role in reducing the potential negative impact of business finance problems.

Of course some business owners might choose to employ the "putting out fires" strategy. With this approach there will not be a perceived need to identify and prioritize problems. Instead there will be a reactive action taken to each problem (the "fire") as it appears on the scene. Because there are fewer hands to do everything in smaller businesses, this haphazard method of tackling problems tends to be seen more regularly in a small business environment. However, as larger companies continue to go through one downsizing round after another, this practice is gradually creeping into the forefront in more business situations because of fewer and fewer employees to handle everything. While this might represent problem-solving in its least favorable light, it might also turn out to be what the majority of companies are forced to do by default.

Just as each manager probably has a different tolerance for risk, there are many different ways to approach problems. Ultimately it can be viewed as a test of how to manage resources that include both time and money. Creativity can play an important role because the old solutions are frequently not the best solutions. Creative approaches to problem solving can also help to minimize the impact of time and cost constraints. Business creativity can be especially helpful in rapidly-changing circumstances which produce new problems requiring new solutions.

Finding the problem areas is probably an under-rated management function. This particular task takes on a new level of importance when the external and internal environments are both changing in ways that are not familiar to even the most experienced managers. The bad news is that is precisely the chaotic kind of financial and economic circumstances which seem to be impacting most industries currently. Does that mean that many problems are now unsolvable because of what might appear to be unforeseen changes?

The most candid answer is a qualified "Probably not", although it should be acknowledged that a "moving target" is likely to be more difficult to hit than a stationary one. Companies will increasingly need to consider a wider range of alternative problem-solving strategies as the challenges become more complex and unpredictable. Even the appearance of unpredictability should not dissuade managers and business owners from continually searching for a better solution. Peter Drucker once observed that "The best way to predict the future is to plan it" because he felt that effective business planning could overcome even the unknown elements that will impact businesses in the future. With this mindset, the management goal would change from "putting out fires" to anticipating the fires and avoiding the fires.

European Short Term Car Leasing

An extended vacation, where you can drive around Europe and explore off the beaten path, can be an achievable dream. If you are considering a European vacation where you will have much more freedom and flexibility than with a guided tour, driving a car through Europe can be the ultimate vacation experience. The best and least expensive way to achieve this is through short term car leasing.

Short term car leasing involves buying a new car straight from the factory while you are in Europe, and ending the lease by having the car manufacturer buy back the car when you are ready to leave. There are two main companies in Europe that participate in this program, Renault Eurodrive, and Peugeot. This method of driving a car on your vacation has many benefits and only a few restrictions.

The main factor you will want to consider is how long you will need the vehicle. For a short term lease, you will need to lease the vehicle for at least 17-21 days, depending on the manufacturer. These programs work well if you have a longer trip planned, and want to use the vehicle for at least three weeks or so. You will be able to keep the vehicle for close to six months, which allows for a nice long vacation. The other requirement is that you have a permanent address that is not in the European Union. As long as you are living in the US, Canada, or a similar county not in the EU, you will meet this requirement.

There are many benefits to leasing as opposed to renting a car in Europe. First, you will have a new vehicle, so you can be assured its in good shape. If there are any mechanical problems, you will also have 24 hour roadside assistance included in your package.

One of the major benefits with short term leasing is the cost. By leasing, you will avoid the value-added tax (VAT) that can make up to 20 percent of a car rental fee in Europe. You will also get complete insurance without having to pay any additional fees for collision damage waivers. Unlike a rental car, you will protected from paying out of pocket if the vehicle is damaged without having to get additional insurance.

For many tourists, another benefit is the lack of age restrictions that normally accompany traditional car rentals. As long as you are over 18, you can lease a vehicle, and more importantly, there are no maximum age limits. With car rental companies, many have a cut-off age of 70, and they won't rent to anyone older, or let anyone older drive the vehicle.

Starting and ending the lease process is simple. You can reserve your car, and complete most of the paperwork online, before you even leave for your vacation. When finished, you will be able to drop your vehicle off at a variety of locations that are convenient to your departure.

If you are planning an extended holiday, short term car leasing should be your first choice. You will have a lot of flexibility, and receive major savings over renting. If you need an excuse to extend your vacation to the required leasing period of three weeks or so, your car savings may help make up the costs of additional vacation time.

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The kalman filter is a time series estimation algorithm that is mainly used combined with maximum likelihood approach to estimate parameters for given data. Compared with pure maximum likelihood, which typically assumes that the data series is observed without errors, and obtains the state variables by inversion, Kalman filter assumes that all data is observed with measurement errors, which is one of the big reasons why it becomes more and more popular in economics and finance, as many models in these fields depend on data that are either non-observable, for example, bond prices are observable but interest rates are not; energy future prices are easily observed but underlying assets are not, etc.; or subject to noise, such as due to bid-ask spreads.

There are two basic equations of a Kalman filter: the measurement equation and the transition equation, as the names suggest, the measurement equation relates an unobserved variable (such as interest rates) to an observable variable (such as bond prices), and the transition equation allows the unobserved variable to change over time, for example, interest rates follow a Cox Ingersoll Ross (CIR) process. Essentially Kalman filter is a recursive algorithm, it starts with initial values for the state variables and a measure of the certainty of the guess, and then use these initial values to predict the value of the measurement equation, since the variables in the measurement equation are observed, we can calculate the prediction error, together with a kalman gain factor, to update the values in the transition equation, repeat the process for the next time period and finally we are able to estimate the parameters values by maximum likelihood.

The following steps outline the specific procedures of a kalman filter example:

Step 1: writing down the measurement equation and transition equation, initializing the state vector;

Step 2: forecasting the measurement equation given the initial values;

Step 3: updating the inference about the state vector incorporating kalman gain matrix and the prediction error;

Step 4: forecasting the state vector of the next time period conditioning on the updated values of the previous period;

Step 5: calculating the log-likelihood function under a certain distribution assumption and maximize the log-likelihood, usually a Gaussian distribution is applied.

For a detailed Kalman Filter tutorial case please visit Kalman-filter example.

Could the US Mortgage Crisis Have Been Prevented?

The blows of debt have made us witness the hardest financial times which at the same time introduced us with several debt relief firms and debt consolidation programs. Nevertheless, it made us a victim of certain financially declining processes like foreclosures, bankruptcy and mortgage crisis of course. We have perhaps known all ifs and buts, pros and cons of the recent mortgage crisis but somewhere the information is yet to be gathered completely. The year when it all started in was 2007 when the economy watchers failed to realize the sheer magnitude of the subprime mortgage and the perfect storm of bad events that could soon follow. . First, banks were not as worried about the credit-worthiness of borrowers because they could sell the mortgages on the secondary market. Second, unregulated mortgage brokers made loans to people who weren't qualified. Third, many homeowners took out interest-only loans to get lower monthly payments. As home prices declined and mortgage rates reset at a higher level, these homeowners could neither pay the mortgage nor sell their homes for a profit, and so they defaulted. Fourthly and most importantly, mortgages were repackaged as mortgage backed securities by banks which were further re-packaged by bank technicians into high risk and low risk product bundles. Now, the computer programs were so complicated that no one really understood what exactly was in each product bundle or how much of the bundle had subprime mortgages. When times were good, it didn't matter, and everyone bought the high risk bundles because they gave a higher return. As the housing market declined, however, everyone knew that these products were losing value but, since no one other than the computer programs understood them, the resale value of the products was unclear. By March 2007, it appeared that these hedge fund housing losses could threaten the economy. Throughout the summer, banks became unwilling to lend to each other, afraid that they would receive bad MBS in return. No one knew how much bad debt they had on their books, and no one wanted to admit it. If they did, then their credit rating would be lowered, their stock price would fall, and they would be unable to raise more funds to stay in business. The stock market see-sawed throughout the summer, as market-watchers tried to figure out how bad things were. As a result, the housing market dropped due to this liquidity problem and panic gripped the financial market. However few things could have prevented this mortgage crisis from happening. The first would be regulation of mortgage brokers, who made the bad loans, and hedge funds, which used too much leverage. Secondly, an early recognition of this credibility problem by the federal government could have prevented the situation if the same would have bought the bad loans. To some extent the financial crisis was also caused by the financial innovation that outstripped human intellect. The potential impact of new products, like MBS and derivatives, were not understood even by the technicians who created them. Apart from that even some good regulations could have softened the downturn but the greed for new products could not be avoided.

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Unless you are cash rich, you would look to leverage on a housing loan to purchase a home. Getting an approval for a housing is never a certainty. There are many situations where home buyers can have their applications rejected outright by the mortgage lender. When that happens, a lender may inform you of the reasons why your application had been declined or not even give you service call to inform you of their decision.

These are some common reasons that housing loan request are declined by the mortgage lender.

1) Being a guarantor for a relative's loan

One of the most common reason that terms your personal financial position as over leveraged is by signing as a guarantor for another individual's loan. There are many reasons for this to happen. It could be that you nephew needs a guarantor for an education loan, your spouse included you as a guarantor for an auto loan, your dad needed you as a guarantor for a recent investment property loan, etc.

At the point of signing on, it is normal to think that these circumstances will not affect you in any way. But it can have a great effect on your loan applications in future, including your housing loan. Unless you have a high personal income, obtaining attractive housing loan terms can be frustrating.

A mortgage loan is a very significant personal financial commitment, the mortgage lender will be concerned with your personal financial leverage when assessing your application. And because you are a guarantor for other loans, those can be taken into consideration when calculating your personal debt ration. A higher ration can deem your personal financial leverage as undesirable.

2) Negligent on material information

Our personal finances are very private information. As wealth is a symbol of social status, many people may be a little embarrassed about revealing the full details of their current financial position, especially if they perceive their personal credit record as one that is adverse. However do note that a mortgage broker or a mortgage officer is there to help you obtain your desired mortgage. It is their job and they will be delighted to be able to acquire a deal for you that you will be happy with.

Because of the nature of their job scope, they have seen a number of applications and have experience on what to look out for in your application. So when you are probed on personal financial information, be open in sharing them so that an officer will know the best course of action to help you obtain an approval for your housing loan.

Do not think that some information requested is not important. Unless you are the mortgage underwriter, you will have little idea on the assessment criteria required. When possible issues are raised by your mortgage officer, you can get them resolved before processing your application. Working on adverse issues only after your housing loan has been declined may be too late.

3) Outstanding arrears and credit card bills

Because a housing loan is a secured loan, you may be complacent on thinking that it is one of the easiest forms of loans that you can get. You may even think that you personal credit record is of little importance since the mortgage lender should feel save since there is a valuable collateral involved.

That is not the case. Your personal credit record can have great effects on how flexible a mortgage lender is willing to be with you. This is especially so when you are a new customer to the lender. They have not dealt with you before and the only way to fairly judge your financial behavior is to assess your credit record. When it shows that your current auto loan and credit card bills are late by 3 months, it does not reflect nicely on how well you manage your finances. You can be penalized with an outright rejection or offered more unfavorable terms because of the additional risks put on the lender. Always ensure prompt payments on your personal credit facilities at least 6 months before your housing loan application.

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Other than just a sport, golfing has now turned a hobby for many. The interest for golf has increased over the few years as it not considered as an expensive game now. Since golf carts are an inevitable factor for any golfer as it helps in carrying them and their golf equipments from one hole to another easily, the idea of buying an expensive golf cart kept many of them away from golfing. But with golf cart leasing option, you can save on the heavy expense on buying a brand new cart or renting a cart every day. Most of the good models would go between 00 and 000. So, buying a new cart was considered a feasible expense for many. In that case, the idea of golf cart leasing is highly beneficial for people. You can now lease any type of carts without the need for buying them. Choose from the electric cart or the gas powered cart, whichever you like the most. When considering the fuel expense and pollution of gas powered carts, electric carts that run on batteries are being used for short drive.

If you are planning to lease a golf cart, then here are some benefits of leasing the cart. You can lease the cart from a dealer or from the golf facilities that take it as a big business. Since the servicing and maintenance requirements also come under the leases, the dealers are pretty more interested in leasing their carts. And remember, in most cases the carts that come with some issues are mostly given for lease. So, you should know that if you are using a cart for the short run, leasing would be economically advantageous, but if you wish to use it for a long run and a variety of purposes other than during golfing, then it is more viable to purchase a new cart that can run for more longer without much problem. If you are looking for cart leasing for affordable rates, then you can try the off seasonal leases that could provide carts at much lesser rates.

Operating lease and conditional leases are two different types of leases. There are also two lease programs to choose from, the Fair Market Value Lease program and the Fixed Purchase Lease Option.

No Credit Check Cash Advance & It's Reasoning

It seems today that the no credit check cash advance is becoming a much 'hotter money commodity' of sorts online than it's ever been before. This is simple when you analyze the current condition of the general consumer as they seemingly are finding difficulty with cash flow issues due to economies worldwide.

It's true, a lot of our credit scores and histories are littered with revealing information that indicates poor payback scenarios on our behalf, much of it due to us not having the money to pay the bill off. As a result, we get reported to a major bureau (there are 3 of them) and our credit score plummets, while our history becomes polluted!

This is indicative of our current economies and our over indulgence with regards to credit card debt, that we are often finding ourselves searching for a cash advance loan with no credit check. Fortunately for you, utterly 95% of all online lenders will not 'rifle' through your report or fico score to determine your eligibility.

To the contrary, they will, and do, utilize your teletrack status (previous payday loan history) to make concrete determinations about whether to lend you you or not. In accordance to these findings, they may or may not lend to you under these findings alone. However, if you don't have a history, or if your history is 'solid', you only need to eclipse their minimum requirements.

What are they? Usually, you need a job of over 90 day duration, it must pay you at least 0 per month, have a bank account that is valid, and be of adult age. In addition, your identification information is vital, so having it readily available is truly indicated. The last thing they may perhaps want from you is a most recent bank statement, but this is somewhat unlikely with their abbreviated paperless application formats nowadays.

If your looking for no credit check cash advances with someone you can ultimately feel comfortable with, look into a decent review of prospective lenders online to assist you today!

Bad Credit Loans

A bad credit score does not mean the world comes to an end. Today with the help of online bad credit loans, you can in fact make a brand new beginning and get a better life as well.

Your Adverse Credit Score
Your credit score is just a reflection of your financial situation. That does not imply you are not entitled to avail loans. Credit scores are of four kinds.
Good Credit Score
Light Adverse Credit Score
Medium Adverse Credit Score
Heavy Adverse Credit Score

Depending upon your credit score, your interest rates and your bad credit loan amount is decided. The interest rates rise with lower credit scores. So if you have a heavy adverse credit score, you may have to pay a high interest rate on the bad credit loan that you want to take.

Loans Available Online
With loans available online, it is no longer tough to get loans even if you have a heavy adverse credit score. The rugged competition in the online lending industry compels the lenders to be very pliable. To keep existing in this turbulent atmosphere, there are many lenders who are willing to provide loans to people with heavy adverse credit score. In fact, lenders today are designing bad credit loans plan that benefit both themselves as well as people with really low credit scores. Quite contrary to what we had till a few years back!

Secured/ Unsecured Loans
Lenders offer both secured bad credit loans as well as unsecured bad credit loans. Those who possess a valuable asset such as property like land or house can go for secured bad credit loans. In secured loans, the interest rates are less as compared to the rates of unsecured loans. There would also be differences in the terms and conditions and the loan amount permissible. These factors depend from lender to lender.

When having bad credit score, there is little option left at hand. But a little research would always be helpful. Get every detail clarified from your lender before you zero in on any of the loans.