Tuesday, July 31, 2012

Home Advocate Trustees

The tidal wave of foreclosure properties has definitely changed the landscape for Realtors. In my 21 years as broker, there has never been a time when the need to understand the short sale process has been more urgent. Unfortunately, understanding the process is vastly different than being successful at closing short sales. The National Association of Realtors just released a report which shows that only 15% of short sale listings actually consummate in a closing. That means we are wasting a lot of time on deals that we never get paid on. What is wrong with the system? I recently asked this question of Paul Pritchard, CEO of Home Advocate Trustees, a defaulted property acquisition company based in Seattle, Washington.

The core problem is two-fold. First, when you are working on a short sale as a Realtor in a traditional fashion, the lender has all of the leverage. Their word is final, and negotiations are very limited. Second, the sheer volume if defaulted properties has completely overwhelmed their systems. There is nothing that we can do about the second issue, but we can and do affect our leverage with the bank by an aggressive legal defense that puts the leverage on our side, and gets us results.

By approaching the banks from the legal side, Paul's company is able to bypass the loss mitigation' departments, and deal directly with the legal departments at the banks. The result, My Pritchard says, is a much higher success rate. When a seller assigns their property to our company, we immediately begin a legal defense that gives us leverage. We demand the seller produce the original note, and in some cases we also do a forensic audit on the loan to look for TILA, RESPA and various other violations. Because we are the new title holder, we now have legal standing and rights and we aggressively defend these rights. What is our goal? To stop the foreclosure process for the seller, and to buy the paper' or the actual note directly from the banks. What's the outcome? Same result to the seller as a short sale, but we do all the work and our success rate is better than 90%

Will these same techniques help Realtors with our short sale listings? I asked Mr. Pritchard to elaborate on this. Absolutely, said Paul. We close over 100 transactions per month now, all across the country and Realtors are our #1 source of referrals. Often they refer a transaction to us after they have tried the short sale route, but are frustrated. We provide a win-win scenario. The Realtor is paid a referral fee up front, and after we settle and purchase the note from the bank, we re-list the property with the referring Realtor at a 6% commission. The Realtor community has really gotten behind our service, and they see tremendous value for their client and for themselves.

Mr. Pritchard said agents who are interested in becoming an affiliate should visit their website, and click on the affiliate link at the top for instructions to sign up. It's free and they provide video and ongoing training to help you be successful.
One thing is for certain. Our industry will need to continue to find creative solutions to deal with the problems posed by the foreclosure crisis. The traditional models of listing a short sale are just not working, and alternative solutions are needed. Home Advocate Trustees provides an alternative that appears to meet the needs of all parties involved.

Home Advocate Trustees is based in Seattle, Washington. The main website for Home Advocate Trustees is walkawaytoday, and complete contact information can be found on their website.

Get The Blue Book Value - Boat's Can Sell At The Best Price

Most boaters enjoy spending time buying a new boat rather than selling their old one, let's face it, it's more fun, right?. But if you spend a bit of time on your preparation, pricing and paperwork you can ensure you get the Blue Book Value. Boats can be offered at some fantastic prices these days as the owners just simply slap a price on the windshield and damn the consequences.

By selling smartly you can easily increase the amount you can put down on your new purchase.

Like most things in life, you need to plan the process (yes I know boring huh?). But do this and you'll not only get the very best price, but you'll minimize the effort and time involved as well.

Make sure you cover these four important areas and you will be laughing all the way to the boat shop:

* setting a price
* deciding on how to sell it
* boat preparation
* doing the deal and paperwork

Price Setting

The main mistake made by boat sellers is pricing the boat either too low or too high. Too low and people will think there is something seriously wrong with it or an unscrupulous dealer will snap your hand off and make a hefty profit. Price it too high and you can't get rid of it.

What you need to do:

a) Check your local newspaper classifieds, to see what identical boats are going for in your area (don't forget that those are asking prices). If you cut these out you can show these to potential buyers what similar boats are selling for.

b) Talk to local dealers and see what similar models they have available, be careful if they make you an offer as it will usually sell for more privately.

c) Of course look at internet sites, you can do a lot of price research at the click of a mouse. Make sure you compare like for like as there are a lot of variations on spec's.

d) Check out the marine blue book value (NADA and ABOS) which you'll find at your bank, insurance agent, or boat dealership. Make sure you are honest about the exact details to get a realistic price.

How and when to sell it

You have three basic choices: sell it yourself, trade it in, or sell it through a broker:

You have choices of which Blue Book value boats make by the method of selling, it is usually influenced by the size and value of your boat. If your boat is small it is unlikely a broker would want to get involved as there is no profit for them, if it is large it will probably involve complex paperwork and negotiations so you may want to pass it to a broker.

Selling the boat yourself should make you the most money, but you have to do all the work. Decide your budget and plan your advertising campaign. Classified ads in a local newspaper are an obvious choice, but you could look at magazines, especially for bigger boats. Internet sites attract buyers across the country and worldwide. Don't forget to post ads on yacht club bulletin boards and add a "For Sale" sign on the boat if your marina allows it. Make sure you tell as many people as possible, try to get a bidding war going!

Trading in your boat is easy when you're buying a new boat, but most dealers won't take trades on used boats. Unless you are a master haggler you are unlikely to get anywhere near the blue book value.

Incidentally, the best time to sell your boat is the beginning of the boating season when buyers are most interested. If you try to sell off-season you will have difficulty getting the best price. The same is true for trade-ins, because the dealer can't turn the boat over as quickly off-season.

ebay logo


A yacht broker is like a real estate agent, they advertise and showcase your boat to potential clients. They also handle the legal paperwork, and take a percentage of the selling price as a commission, usually between 5 to 10 percent. Use brokers who specialize in boats similar to yours, since they are likely to have more serious buyers.

Usually a buyer of your boat will pay for a marine survey, (an inspection to determine the condition of the boat) this can be used to negotiate the price downwards to compensate for any problems that are discovered. Try to second guess the survey by getting problems fixed before advertising, it will be much cheaper.

Boat Preparation

The golden rule is 'a clean and tidy boat always earns a higher selling price'. You will have to invest some time and elbow grease but it will be worth it.

Scrub the entire boat and deck with mild detergent and a soft brush. To make the fiberglass shine have it buffed with rubbing compound and polished with wax, on small boats, you can do this yourself using an automotive buffing wheel. Make sure your varnish is in good condition or give it one coat, if the teak is gray, bleach it or oil it, too. Clean the bilge to make sure there are no smells to make the boat seem old.

Give the head and shower a good clean and add a double dose of chemicals to the holding tank. Repair any broken equipment, get the engine steam cleaned if necessary, touch up any spots of corrosion and change the oil. Make sure the engine starts immediately by charging the batteries, these are all things buyers check to see how well the boat has been maintained.

Give the galley a good clean and if you can remove the carpet, shampoo it and let it dry in the sun. Get the curtains and upholstery cleaned. Scrub the covers and Bimini top and clean or replace the side curtains if necessary. De-clutter anything that is non-standard, poorly installed or not for sale with the boat.

Sell the lifestyle! Put drinks glasses and plates on the table, see how they do it in the magazines - resist temptation to model yourself though! Put together a mini brochure to show buyers with photos of the boat in the water (not too many so they think the boat is older than you say), any old instruction manuals and brochures with a list of the specification and included items.

The Final Paperwork

Great you have done the deal, all you need to do now is the boring paperwork. If you ensure this is done correctly it will save any problems in the future. Type up a bill of sale including:

* price
* model and spec of boat
* registration numbers
* equipment included
* buyer and seller names and addresses
* driver's license numbers

This will also serve as a payment receipt.

Provide a receipt if you are taking a down-payment and you could make the deposit non-refundable so you reduce time-wasters. Ask for a cashier's or certified check for both the deposit and the balance. Agree the date for final payment and delivery/collection.

If a buyer wants a sea trial, make sure that you have an agreement that buyer will pay any costs for launching or refueling and you have non-refundable deposit in hand, also ensure you have any relevant insurance cover.

Complete the pink slip and send it to the relavent registration authority, the sooner the better as you may still be liable until you do. Don't cancel your insurance until the boat has left your hands.

Sunday, July 29, 2012

Do You Need High-Quality Annuity Leads?

Many agents purchase (so-called) annuity leads from third-party vendors, hoping for an annuity sale, but instead the agents lost money.

The majority of third-party annuity leads are pre-set appointments. Yes, these appointments are set, but they are worthless. Lead companies that sell pre-set appointments uses a foreign telemarketing unit, usually based in the Philippians.
These telemarketers are paid only when they make appointments, which leads to problems for the agent. I purchased 0 worth of pre-set annuity appointments from a third-party lead company.

I called each third-party lead, spoke with the prospect, and each of them told me a similar story. Yes, they spoke to someone in regards to making an appointment, but they did not make an appointment. The prospects explained to the telemarketer they were only interested in information, and did not want to make an appointment.

The telemarketer just could not understand (in clear terms) what the prospect wanted, and agreed to an appointment just to get the person off the phone.

When I confirmed the appointment, I thought to myself, at least one lead is going to pan-out. When I got to the house, it was run-down, and the when the women answered the door, she was wearing clothes from the 1950'sI knew I been burned once again.

I have even been on an appointment, were the prospect threatened to call the police if I did not leave the premises immediately. She still called the police. I showed the police officer the lead, and he just rolled his eyes, letting me go.

What does an honest agent need to do to make a living? I kept wondering; "Are there (truly) legit third-party annuity lead companies, which you can buy leads?"
Next, I tried a postcard lead company. They had a great pitch about how their lead card program had a 3 percent return, so I committed to a test of 0 for this project.

This particular lead company explained to me; that once they receive the postcard back from the prospect, they would call the prospect, confirm the appointment, and then fax me the lead. Ok, this sounds interesting, and I waited three weeks for my first lead.

When the first leads came in, I was overwhelmed with hope. I could not wait to get to the first appointment. Just like before, I called to confirm the appointment before I drove two hours to the prospects home.

Again, I was completely let-down from what I heard on the telephone. They proclaimed they just want free information, not an appointment. So, I asked them; "Why did you make an appointment?" All the prospects had a similar response to my question.

They explained that they only wanted free information sent to them. They did not want to commit to a full-blown appointment. I asked all the prospects; "Did you understand the telemarketer who made the appointment?"

Again, I had similar answers by all of the prospects. They told me; "Either they could not understand (in clear terms) what the telemarketer was saying, or they agreed with them, just to get them off the phone."

I asked the prospects: "Was the telemarketer was a foreign telemarketer?" They responded, and told me the person who called was from India.

Now, everything concerning pre-set appointments where coming in to sharp focus. My final thoughts on pre-set annuity leads, is don't buy pre-set annuity leads.

I remember hearing some positive feedback from agents concerning internet leads, so I did some research, and bought 10 leads for 0 from a respected lead source.

They wanted their money in advance, which was ok, as long as they did not request a check or certified funds sent to them.

They even told me, if there were any bad leads, they would replace the leads with new leads. So, I went along with the program, since I was desperate for commissions.
I found out these leads went to a website on finance, and were asked several questions on various topics relating to retirement, and were sent a free cd in the mail on retirement.

I called all the prospects, and only one lead was actually willing to see me. Figures! The company replaced the other nine leads, four times. This means this company gave me thirty-six replacement leads that were worthless. They ended-up not returning my call, so I stop calling, and chalked it up as a learning experience.

I started wondering if there were such a thing as "high-quality" annuity leads, which the prospect went to the internet and requested an appointment directly with an agent. I found-out there is a company that sells high-quality annuity leads. The prospect is trained in annuity planning (online) before you see them, and they are eager to set the appointment (themselves). Now, that's a high-quality annuity lead!

Saturday, July 28, 2012

7 Tips on How to Have a Successfull Affair

Some affairs are more successful than others. An extramarital affair can be a fulfilling and exhilarating experience or it can be a total flop. You can enjoy yourself and meet personal needs that are unfulfilled by your marriafe, or you can get found out and be in for a world of turmoil. Taking the time to familiarize yourself with what you hope to gain by having an affair and to cover your tracks can help you to have a successful affair.

7 Tips on Having A Successful Affair

1. Reconcile yourself with any feelings of guilt that may be caused by having an affair. Be comfortable with and aware of the reasons that you've decided to be unfaithful. A guilty conscious will lead to sloppy mistakes like leaving your email open or your hotel key in your pocket. When you're comfortable with the justification of your affair it's much more likely that your infidelity will be a success.

2 Know exactly what you are hoping to gain by having an affair. If you have chosen to cheat on your spouse it likely that you have a need that is not being fulfilled in your marriage. Whether it's a sexual need, or a need for an emotional bond, or perhaps you are having an affair for revenge. Whatever the reasons may be you should know exactly what you are trying to gain through your affair.

3. When it comes to having a successful extramarital affair the person you choose to cheat with can make you or break you. Pick a person who will fulfill your unmet needs. Be honest and communicate clearly about why you have decided to have an affair, and what you are hoping to gain from your infidelity. Pick a partner who is in a similar situation and who has similar goals to yours.

4. Learn to lie effectively. There are many great online articles which will teach you to lie more persuasively. One of the unfortunate aspects of having an affair is that you will probably have to lie to your spouse. If your affair is going to be a success you need to know how to lie effectively. Things like keeping your hand away from you face, not raising the pitch of your voice, and not giving too many or too few details can make your lies much more believable.

5. Cover your tracks. If you're using your computer to have an affair, make sure you are browsing in private mode so that you don't have a history. Be cautious about the way you choose to finance your affair. Don't give out your cell phone number or home address.

6. Enjoy you affair - Don't get bogged down with feelings of guilt or by obsessing over the details of an extramarital affair. Enjoy your cheating ways. Take this opportunity to feel better about yourself, more attractive, more alive and enjoy it. Having an affair can be similar to the wonderful feeling that you get when you first start falling for someone. It can be fun and exhilarating. Make sure to enjoy yourself, that's the whole point of an affair.

7. Don't tell anyone about your affair. It can be tempting to tell your friends all the juicy details of your infidelity but don't do it. Let your affair be your little secret.

If you are planning on having an affair hopefully these quick tips can lead you on to a path of successful infidelity. An affair can be an edifying and pleasurable experience with just a little extra time and consideration.

Friday, July 27, 2012

Home Loan Mortgages With Bad Credit: Lowering Costs For An Affordable Deal

It is assumed by almost everyone that getting a home loan mortgage with bad credit is very difficult. In fact, with a poor financial status, the chances of getting the green light are extremely low. It is not just the nerves of the lender, but the fact the interest rate is typically too high and the repayments may be too great.

But it is possible to get mortgage approval despite low credit scores. For a start, the scores matter very little in any loan application, affecting the interest rates charged rather than the actual approval decision. Even income has less say over the process than many believe.

As with any loan deal, affording the repayments is the key consideration, and so convincing the mortgage provider that the home loan can be repaid in comfort is the purpose of the application. There are 3 excellent ways in which to help things along.

1. Employment and Income

Other than the basic criteria associated with any loan, getting a home loan mortgage with bad credit is dependent on a few extra details. One of them is the employment status of the applicant, and the other is the income that is being earned.

Being in full-time employment is essential, especially when trying to secure mortgage approval despite low credit scores. However, there is also a need to have held the job for at least 6 months before the application is submitted. Some lenders stipulate longer terms.

This means a short or mid-term contract (1-5 years) is not enough to convince a lender to grant a home loan. Even if the contracted job is extremely well paid, there is no guarantee since large incomes are not enough unless the debt-to-income ratio is well below 40%.

2. Offer a Larger Down Payment

The significance of the down payment is such that a larger sum paid can swing an application for a home loan mortgage with bad credit. Basically, because it chips a large chunk off the required mortgage sum, the larger it is the more affordable the mortgage will be.

The mortgage lender is only worried about getting their money back, and often the difference between an affordable monthly repayment and an expensive one is 0 or 0. Normally, the down payment is 10% of the purchase price, but if it were 20%, then getting mortgage approval despite low credit scores becomes likely.

Of course, getting the larger down payment together is the trick. A 0,000 home will require a ,000 payment at least, with the large sum being ,000 - a sizable sum in any case. Still, the extra effort can be justified by the home loan deal.

3. Move to Lower Your Interest

The main problem with applying for a home loan mortgage with bad credit is not the sum to be borrowed, but the size of the repayments. Lowering them as much as possible is a key factor in winning over the mortgage provider.

While a larger down payment helps greatly in doing this, the interest rate charged can have a significant influence too. Lowering the rate does help make things more affordable, and improving your credit score helps to accomplish this. Clearing some (if not all) existing debts is the best way, which means a consolidation loan may be needed in advance to pay off those debts. Once this is done, the credit score rises and debt-to-income ratio improves, entitling the applicant to a lower interest rate.

Remember, securing mortgage approval despite low credit scores comes down to convincing the lender the home loan will be repaid. Once that is achieved, there is little reason to deny approval.

Teaching Children To Be Financially Savvy Will Help Them Avoid Payday Loans In The Future

Everyday spending decisions can impact your child's financial future. Teach them to be financially savvy; help them stay away from payday loans when they are older. It's about educating children about how to save and spend, empowering them to be savers and investors, and motivating them to keep more of the money they earn while making the right choices on how they spend.

Many of our children's financial habits come from us. In other words, how they see us handle our money has a big impact on what their financial life looks like once they are grown up with jobs, families, and bills. But with the right information, education, and practice, we can raise our young to make good money decisions while enjoying what they work so hard to earn.

Here are ways to teach your kids about personal finances and the concept of good money management:

#1 Children learn to count at a young age, so should they learn about money. Find active ways to engage your children in the concept of money, starting with board and computer games as well as working with toys or real money.

#2 Let Them See Your Values- Children need to know how you feel about spending, saving, and growing money. Talk to them about your values when it comes to finances.

#3 Teach Them To Set Goals- All of us need goals when it comes to money. Whether it's starting a small savings account or financing an expensive family vacation. Have your children set goals for their money; buying a new toy, taking a day trip to the water-park or saving for a car. Having good saving habits will prevent the need to take out a payday loan when unplanned or surprise costs come up.

#4 Distinguish Between Wants And Needs- It's hard for all of us, no matter what age, to ask if something is a "want" or a "need". Teaching children to know the difference, though, will help them make good decisions about spending in the future.

5# Teach Them The Value Of Saving Vs Spending- Teaching your kids about the concept of earning interest on their money will encourage them to save. Consider paying interest on their allowance or matching what they have saved at the end of the year.

#6 Pay Them To Save- Dole out the allowance in money saving increments. For example, if you pay them every week, pay them in bills so they can divvy their cash into "saving", "spending" and "giving". Tell them how much interest they would earn by allocating a certain amount to saving so they can see the value in letting their money grow.

#7 Alert Your Children To The Dangers Of Borrowing- Charging interest on a small amount of money you loan your child will give him an idea of what it's like to have to pay interest on money that is "rented" from someone else. Taking out a payday loan in the future can be a costly move if they are not able to pay it back right away.

#8 Teach Them To Be Cautious About Credit Cards- Set a good example with your plastic by teaching your kids how to use credit responsibly. Explain how to read credit card statements, calculate interest on purchases and protect themselves from credit card fraud. Also, be careful about making credit cards available to young adults. Often times this encourages a "cart blanche" mentality of spending; especially for college students.

Lastly, talk to your kids about fiances. Have monthly family meetings to discuss wise spending habits, the use of credit cards, and the value of saving. This may be the time when your children collect interest on their allowance. Communication is key. Encourage an appreciation for money and a strong value for saving and investing for the future.

Thursday, July 26, 2012

Making Use Of Bin Mastercard

Merchants that are looking for better support for their MasterCard credit cards will benefit immensely by making use of BIN MasterCard. As a matter of fact, BIN MasterCard offers especially designed support that will make it easier and more convenient as well as safer to make use of these credit cards.

Complete collection of records

When it comes down to choosing the best BIN MasterCard database it is important that you pick one that has a complete collection of records pertaining to MasterCard credit cards. It is also important for you to look for a BIN MasterCard database that is priced affordably and which offers you a license to make use of the BIN MasterCard database legally.

Offers a solution

The BIN MasterCard database that you choose must be one that is able to offer a solution that helps merchants reduce the risk of credit card fraud by a significant amount. MasterCard is a very popular credit card which is widely used throughout the world. With credit card fraud being a major problem for online merchants, the right BIN MasterCard database is one of the more effective solutions to help reduce this risk.

Law enforcement agencies will track the credit card

BIN or Bank Identification Number helps those who are entrusted with enforcing the law keep track of credit cards. These BIN numbers are derived from the six credit card numbers which are the first and which are unique to each credit card. These numbers help in creating a BIN MasterCard database in which the numbers identify unique credit card issuers.

When a merchant makes use of the BIN MasterCard, they can immediately double-check the authenticity of the credit card and know whether it is genuine. If the BIN MasterCard database lookup does not provide an exact match, then the merchant should realize that the card is fraudulent. In such a case, the merchant must reject the credit.

If, however, the BIN MasterCard database lookup shows an exact match, then they can consider the card to be genuine and can accept the transaction. However, they must also double-check that the BIN MasterCard database lookup shows that the card issuer is reputable and known.

A BIN MasterCard database holds plenty of information regarding the MasterCard. This BIN MasterCard database information can be relied upon to establish that the credit card issuer and the holder are genuine. The information provided by the BIN MasterCard database includes the billing address of the user, the country in which the issuing bank is located and more. All this information allows the merchant to verify that the card is genuine.

In case the BIN MasterCard database is not able to provide information to verify the authenticity of the card, then the merchant has the option of denying the transaction and in this way take a step to prevent credit card fraud.

The BIN MasterCard database also provides information to help the merchant learn about the card type including credit or debit and even prepaid or a gift card. With this information available to the merchant who uses a BIN MasterCard, it becomes easy to spot fake from genuine cards.

Tuesday, July 24, 2012

Rise Of The Bankruptcy Attorney

The ongoing housing crisis in the United States has been a real challenge for working people from coast to coast. Strongly interlinked with the financial crisis of 2008, the US housing bubble affects hundreds of thousands of people in the United States and millions the world over. Home values suffered significantly throughout the United States and many families who were already in debt could no longer afford a mortgage, bills, and overall family debt. As a result, many were forced to sell their homes at a loss, undergo foreclosure, or declare bankruptcy altogether. Those who worked in the bankruptcy attorney industry saw an increase in demand as millions of Americans were forced to use these services during the crisis.

The advent of the bankruptcy attorney nevertheless signaled a drop in price of homes from coast to coast. States like Nevada and Florida were among the worst hit, experiencing 30-50% decreases in property rates, structural value, and other building structures. As a result, rent prices increased as former homeowners were forced to move into rental properties that were often smaller than their homes. While many were lucky enough to avoid bankruptcy, many others were forced to call upon the services of a bankruptcy attorney to mitigate their financial woes.

Despite the hardships felt by millions of Americans over the last five years, the national economy seems to be rebounding, albeit slowly. Home values are beginning to steady and a viable buyer's marketing is beginning to take shape once again. Unfortunately, American wages are steadily decreasing and in some places, stagnating against rising costs of goods and services and growing wages of the executive class. As such, bankruptcy is still a serious issue even as the economy rebounds. More Americans are filing for a form of bankruptcy than ever before, with numbers exponentially increasing since the 1970s.

In 2010, bankruptcies that involved consumer debt over 6,000 beguiled the once most prosperous and populous parts of the country. Those that declared bankruptcy due to debt per consumer at this rate were found in Hawaii, California, Arizona, Nevada, and western Washington. On the east coast, affected states dominated New England, eastern North Carolina, Virginia, and Florida. Strikingly, the least affected areas of the United States were found in the Midwest and along the Mississippi river, with Louisiana being one of the least affected states from both the financial and housing crises. North and South Dakota, Oklahoma, Nebraska, and Kansas were also among the less affected.

For those looking for the best bankruptcy services in their area, it would be wise to take time to research the firm or office that advertises their business. As many Americans are finding themselves forced to deal with these types of services in the current state of the economy, it is of the utmost importance that consumers approach or find the services of well-vetted, experienced professionals who have a stake in providing the best information and resources to their customers.

Monday, July 23, 2012

Russ Whitney, The Real Estate and Investment Guru

Russ Whitney can make your dreams of becoming financially stable come true. Real estate investment is a booming business and a lot of people continuously made their fortune just by engaging in it. Investing and proper training in real estate can facilitate in reaching your objective. The knowledge that you gain will stay with you for a long time and you will be able to put it to use even at some point where you are having the worst of times. Russ Whitney is a living testimony that an ordinary person, even someone who dropped out of high school, has the chance to make it to the top and be a millionaire.

Whitney can help you take pleasure during your years of retirement provided you begin building your real estate business career today. Whitney found a way to climb the ladder of success through the real estate business and he was able to develop his very own training realm. A lot of people appreciate the fact that Whitney is an inspiration to all and his new method called Life Wealth Alliance is a great success. This system will definitely make a big improvement in your life by improving your total outlook and finding your strengths. You also have to get rid of all the anger and negative aspects that have been boiling inside.

When it comes to real estate, one can say that it has always been the fastest and simplest way by which an ordinary individual can take home enough amount of money in so short a time. Life Wealth Alliance and Building Life Wealth go hand in hand and in does not only speak about how you can be rich, rather it will teach you how you can make a complete turnaround in your career. These two systems were specifically designed and conceived by Russ Whitney so people can put a new spin by making successful investments in real estate. Before you begin on the program, it is advised that you first open your mind and be receptive.

Whitney made a vow to help others who would like to rise up from poverty and lowly status in life. Look at it from the real estate guru's own point of view. Whitney goes out to the neighborhood, finds an old and unattractive house and purchases the property just by word of mouth and absolutely no cash involved. Afterwards, Whitney does a small painting and cleaning job, sells the house at a higher value and gains profit there from.

You should get to know Russ Whitney before he became who he is today. He was making an hour before but he used his brains and his ingenuity and look at where he is right now. He is a millionaire and he was able to earn .7 million in just a span of 18 months. You might be tired of promises which have been made by people who assured you of success but you were not able to achieve anything. Russ Whitney will never promise you anything but he gives you the assurance that once you put the system at heart, you will never go wrong.

Sunday, July 22, 2012

Defend Yourself: How you can Reply to Payday Loan Collection Phone calls

Defaulting on cash advance payday loans brings one proven outcome: the beginning of collection calls. Almost right away after missing a payment, a debt collector can call to collect the entire balance of your payday loan. If not successful, collectors might use rude tactics that are considered illegal. If you have unpaid payday loan debt, it is important for you know your rights as a consumer to avoid harassment from your borrowers.

A typical strategy used by payday lenders is calling the references you provided when initially acquiring the loan. Unfortunately, this might include your present employer. Understand that a debt collector could only get in touch with your employer for the following reasons: to verify your employment, business location, and whether you have medical insurance to cover a medical bill. Payday loan lenders is also able to contact your employer in order to garnish your wages should you have a judgment entered against you. Whenever a payday lender contacts you for any other reason, then they have crossed the line.

Another well known technique of collection is threatening to arrest you for check fraud. Many are easily intimidated by this threat yet really should not be. In fact, proving that you have committed check fraud is very difficult because a lender must possess evidence that you took out a payday loan without intentions to pay it back. Check fraud is almost impossible to prove, which means you will not get arrested or go to jail for your unpaid debt.

Collectors are also prohibited from using obscene and profane language when collecting your payday loan debt. They also can only call you within reasonable hours, typically between 8:00 am to 9:00 pm. If a collector calls you constantly over a short period of time, this can be considered harassing and you could take action against the debt collector.

If you would like all phone communications to stop, you need to write a Notice to Cease and Desist Communication to your payday lender or collection agency. In this document, states that you do not wish to receive phone calls regarding your debt. Explain that you also cannot be contacted at your place of employment because doing so might jeopardize your job. If you wish to be contacted by mail, request it in this document as well and provide your existing mailing address. To protect yourself, mail the document certified, "return receipt requested" so that you have evidence of its delivery. After attaining your Notice to Cease and Desist Communication letter, the debt collector can get in touch with you one last time. However, a major disadvantage of stopping collection correspondence is that you may be leaving your debtor no other choice but to take you to court for your unpaid loan.

To avoid legal trouble, the best thing you can do is talk to your debtor. Instead of ignoring or hiding from your debt collector, respond to them immediately. Talk about payment alternatives or tell them when you expect to be able to pay the cash advance loan back.

Another choice is to seek a qualified payday loan consolidation company to work on your behalf. Doing so means that instead of contacting you for repayment, your payday loan lenders will work directly with your consolidation firm for negotiations and repayment arrangements. This saves you time and effort that's brought on by collection methods if you were to deal with your cash advance lenders yourself.

Cash advance payday loans can easily trap you in their cycle and once they are able to, it is incredibly hard to get out of. It is important for you to keep in touch with your debtors and create a plan that works for you financially. Most importantly, know your rights and ensure you are protected while you get yourself out of payday loan mess.

Friday, July 20, 2012

Debt Consolidation Loans With Bad Credit: Factors To Consider

There is no question that the financial tone in society is changing. Many people lived their days with credit cards only and as a result, too many people are strapped with so much debt that they cannot make their monthly payments responsibly. This creates even more problems as failure to make timely payments on credit cards and other loans creates bad credit scores and the inability to get additional loans to help out. In such a case, a debt consolidation loan would make a huge difference. But can you get a debt consolidation loan with bad credit? The answer is yes.

Consolidation Is the Right Choice

When you find that making your minimum monthly payments on credit cards, auto loans and student loans has become a juggling act, the idea of getting a debt consolidation loan is certainly appealing. Basically, by applying for a personal loan you can turn all of these payments into one. Therefore, you only have to mark one day on the calendar each month to make your payment and need not worry about forgetting. In addition, you may be able to get a lower interest rate than most credit cards offer.

Bad Credit and Personal Loans

With bad credit, the process of finding a debt consolidation loan is certainly more difficult that it is for those with good credit scores. However, it is not impossible. The difference is that you will need to use different lenders and other factors to ensure your success in finding the debt consolidation loan you need.

Remember, bad credit is a barrier, but it is still passable. Make sure that you are honest with lenders regarding your bad credit history and your goals for improving your financial outlook with a debt consolidation loan.

Finding a Lender

There are several lenders who work online and specialize in extending loans to those with bad credit. Finding a debt consolidation loan with bad credit, therefore, is as easy as turning on your computer and doing a simple web search. You will be directed to dozens of lenders who work with people whose credit scores prevent them from using the services of traditional financial houses. Make sure that you contact several of these lenders for quotes in order to find the one who offers the best deal.

Other Ways to Get Your Loan

Because of your bad credit, debt consolidation loans (personal loans) will not be as easy to find, even through private lenders. You will need to have additional qualifications that show the lender you are able to repay the loan amount responsibly. Among the most important of these qualifications is a good job with sufficient income. Make sure to have pay stubs available that show a work history of at least six months and an income level that clearly supports your loan repayment along with your other expenses such as rent/mortgage, insurance, food, etc.

You may also consider drawing up a detailed budget that shows your lender that you have thought through the implications of your debt consolidation loan and how you plan to use this money to improve your credit score over time.

Make the Changes Now

Getting a debt consolidation loan with bad credit is an excellent strategy to improve your overall credit score over time. The benefits of this loan can help you to make payments on time and get your finances on track in the future.

Thursday, July 19, 2012

How To Find Anecdotes For Your Speech Or Presentation

For many of us who have spent years in business, our anecdotes are many and varied. There is no doubt that experience is not only the best teacher, but affords us many stories and anecdotes throughout our business careers. What does the novice speaker do, however, when his/her experience is minimal?

Anecdotes are brief, true stories which usually deal with the speaker and/or his clients and customers; however, there is nothing in the book that says that the anecdotes you use must be your material. You can use anecdotes that you find on the internet, for example, when searching for information on your topic. As long as you qualify the anecdote, in which you give credit to the individual to whom it is about, you are free to use it.

1. Read articles and books on your topic.
2. Research YouTube for videos of other speakers.
3. Network your business.

Those who write about your subject are good fodder not just for anecdotes but also to see what you competition is writing. You shouldn't copy them, but by all means, learn from them.

There are hundreds of video clips of speakers from the famous to the not-so-famous on YouTube. Listen to them; study them; and, get ideas from them. In addition, by using others' material, it shows that you have done your homework and your audience will be impressed by your obvious knowledge of others in your field.

Networking your business will afford you more anecdotes than you may think. Just the process of conversing with others about your topic will offer you leads, potential introductions, and also stories which could be pertinent to your presentation.

A good example is a woman whom I met at a business conference. She was in the booth next to mine. After 1-hour of talking to perspective clients, she had no voice left. Unfortunately, the conference lasted for 7 more hours. I have used that anecdote in both my article writings and in my oral presentations when I discuss vocal abuse. The woman is not a client of mine and probably will never be. What is unfortunate for her is that her lack of voice means lack of business; however, she would rather suffer from voice loss than work on improving her vocal techniques.

Just because you are new to your business does not mean that you are limited in the stories or anecdotes you can tell. Remember, however, to always give credit to the writers or the speakers when you use their words, their examples and/or their experiences.

Getting Credit Cards With Bad Credit Is Possible With Compromises

Modern life dictates that a credit card is an important tool, as much as a source of credit finance. After all, how else can we book a hotel, buy an airplane ticket or do any of our online shopping? But it can be very difficult to get credit cards with bad credit, and not impossible.

The fact is that, with the weight of low credit scores, it is only to be expected that card issuers will hesitate to approve a credit card. Often, the first casualty to borrowers with poor scores is the credit card, with that bill usually left until last to be paid. Granting fast card approval is likely when the applicant has an excellent record of paying their credit card bills.

However, a fast rejection is likely if such a record is poor. Those that are willing to take the risk and approve the application, usually insist on a number of conditions. This is where compromises need to be made, though there are always credit card options to choose from.

Interest, Fees and Charges

When applying for credit cards with bad credit, the most likely compromises to accepted are an increase in interest rates, fees and other charges, as well as the absence of some commonly introductory incentives.

The chances of fast card approval are practically nil, but if the card issuer assesses that the risk is worth it, then they will try to cover that risk with a higher repayment rate. This can mean interest as high as 25% might be charged on the credit balance, compared to the normal 11%-14%. So, when ,000 is spent, then a repayment of ,250 has to be made.

It is also likely that a high annual fee will be charged, and that the normal 0% APR introductory offer is dropped. If the credit score is not too low (600 - 650), then the issuer may only reduce such incentives to shorter period of time - like 3 months instead of 6. But there are still credit card options.

Lower Credit Limits

Arguably the most significant restriction relates to the credit limit that is granted. Issuers know that mistakes of the past do not mean mistakes in the future, so they are willing to grant credit cards with bad credit. However, the credit available is very small, between 0 and ,500.

This may seem pointless to have, but it does give a chance to the cardholder to develop a positive track record over time. Most issuers who grant such limited credit balances are willing to review the limit after a stated period of time - perhaps doubling the limit after 12 months. And as the trust level improves, such benefits as fast card approval are also restored.

What this means, of course, is that credit card options increase as a firm record in bill payment is developed. If nothing else, it makes accepting the compromises well worth the effort.

Avoiding the Extra Fees

The higher fees and lack of incentives might seem unfair, but it is worth taking into account that controlling ones own spending habits is the best way forward anyway. The problem with seeking credit cards with bad credit is that the chances of repayment is considered low too. But by controlling spending closely, and making payments consistently on time, issuers have a firm idea of how real that risk is.

Though fast card approval is an attractive feature, more important is rebuilding a credit rating that will see interest rates lowered again, and such incentives as bonus points and 0% APR for the first 6 months returned. Biting the bullet to achieve this is something that has to be done.

Wednesday, July 18, 2012

Restaraunt Equipment Leasing For Start Ups

According to the Hardware Leasing organisation of America, eight out of each ten companies in America now lease rather then own the hardware they want for their offices, and the biggest area of expansion in apparatus leasing is telecomms and PC kit. Tiny corporations don't want to go broke to pay the huge ticket for the electronics that are wanted to run practically each business today. And any budget conscious businessman finds it tough to excuse spending masses of cash on gear that may be outmoded in around a year. Hardware leases seldom need down payments, though you will have to put aside some money for a refundable security deposit. By contrast, loans to finance the purchase of apparatus often need down payments of almost twenty-five p.c or even more. Hardware leases are reasonably simple to get, either without delay thru the maker of the kit or thru numerous online leasing corporations that offer same day approvals.

Since leasing does appear like the most engaging option when referring to adding kit at start up or for expansion of your business, the very next thing you want to get is that there are numerous kinds of leases, and you are going to need to decide which is the best for you. Generally they are shorter than the life of the kit, as the lessee doesn't buy the kit at the end of the lease but instead trades it in for an upgrade, making this the popular choice for high technology hardware leasing. Finance leases are your "option to buy " lease and typically result in the lessee purchasing the kit when the lease is up. For tax purposes a finance lease is regarded as a debt, and so the depreciation in cost of the machinary or clobber could be took, which is one more reason why the finance lease is alluring for leasing huge ticket or heavy equpiment like say for a medical practice or contruction company.

So does it ever seem sensible to buy? While leasing clobber looks to be a growing practice among entrepreneurs, it can have it's downsides. One being that when you sign on to a lease, you are just about locked into it, whether or not 2 or 3 months down the road you realize you now do not need that piece of apparatus, you are likely going to pay the full term of the lease. Futhermore, with a lease you'll always pay more in the long run- a 00.00 piece of office gear leased at say 0.00 a month for 3 years will come to 60.00 over the course of lease vs the 00.00 to buy outright.

Also most finance consultants will suggest that if you want to buy a giant piece of apparatus that you know isn't going to be superseded in the subsequent 5-10 years, it doubtless makes more sense in this case to buy rather than lease. Mavens agree the best recommendation is to thoroughly guage your wants short and long-term when it comes down to each piece of apparatus you are pondering adding, and then the question "should I lease, or should I buy? " will be way easier to say anything.

Subway Franchise Review - One Footlong At A Time

The first Subway franchise was born in 1974 even though founder Fred DeLuca opened his first store 9 years earlier. Today there are currently over 29,000 Subway franchises spanning the globe in over 85 countries. Entrepreneur magazine has ranked Subway the number one franchise 13 out of the last 17 years, so its a rock-solid franchise.

Even with its amazing popularity and tremendous track record, the real question is deciding whether or not owning a Subway franchise is the right choice for you and your family. There's a ton of things you should consider when making this big of a choice, so let's identify what the positives and negatives are.

First of all, the total cost of entry and the total investment to get started ranges anywhere from 1,000 to 5,000. The reason for the big discrepancy depends on whether you're buying an existing franchise or you're having to build one or start one from the ground up. Other costs may include remodeling, leasing equipment, inventory, etc. Typically, the down payment that's required must come from your personal liquid assets and can NOT be borrowed or come from a loan. That fact right there might eliminate some potential franchise owners.

Every Subway franchise pays a royalty fee to the company, specifically 8% of their overall gross sales. This is very important to understand because losing 8% right off the top before you pay for any rent, equipment, inventory, marketing, employees, etc can make a difference in whether or not you're profitable. On the other hand, in exchange for the royalties the franchisee's are rewarded with a strong brand recognition and national advertising campaigns.

As far as sales are concerned, 2800 sandwiches and salads are sold every 60 seconds. This provides a pretty constant flow of customers and expected sales. Potential franchise owners feel comfortable with this knowing that their stores most likely will not be empty. Besides, people have to eat somewhere, right?

On the flip side, you are at the mercy of your store location when owning a Subway franchise. No matter if you are open 24 hours, a location can only serve so many customers and can only make so much money. Obviously the product can not be sold online or in other areas, so actually getting traffic to the store is the only way to make sales. In this regard, the Subway franchise is NOT scalable. An entrepreneur would probably have to own multiple locations to really generate the kind of income they would be looking for in owning a franchise.

Furthermore, to buy a franchise, you must have good credit, have considerable net worth and you have to be approved by the company. Once again, this could potentially eliminate more prospective franchise buyers. In the end, owning a Subway franchise is a solid way to have a great chance of success but keep in mind that to really make it big, you'll probably have to own about 10 or more.

Monday, July 16, 2012

Best Process To Make Unique Custom Coins

Coin making has become a profit oriented business these days. Manufacturers of all levels are busy in the coin productions round the clock. In the ancient times, coins were used mostly for identifications and currency purposes but custom coins are used for a broader perspective in this modern age. Armed Forces had been the biggest customers of the coins for long. Millions of the custom coins are manufactured for the various departments of the military including Army, Navy, Air Force and Marines. All departments have their own customized challenge coins for multiple objectives.

There are many concocted or claimed stories about the start of the challenge custom coins. Some give credit to the Roman Empire, some relate coins with the Boar War in 1899 and some history experts favor U.S. Military in this regard. The last argument has been accepted by most of the audience. The story is that in the World War1, U.S Air Force pilots had been issued coins for the identification of their unit membership. One of the pilots had been arrested but he managed to escape. When he was rushing towards the border area, he was stopped by a French officer who was performing his duty over there. As the pilot had disguised himself as a civilian, he had to show that gold plated bronze coin for his identification. After that incident, the U.S military had issued such kind of coins to all the departments.

Custom coins are manufactured in different metals like gold, silver, bronze, nickel and brass. In all the metals, their antique versions are also available. As the coins are being used by commercial and noncommercial organizations as well, more varieties and qualities are demanded of them. NGOs use custom coins for fund raising, social awareness, and other social objectives. Customized coins are given to the new entrance in the companies as well to boost up their associations with the company.

The custom coins are manufactured in a way that all the specifications and quality regarding issues are met properly. Production process consists of stamping, cutting, edging, painting, baking, polishing, Screening and packing. The quality control department inspects all the stages very strictly from raw material purchasing to the delivery of finished goods. At the same time QC department coordinates with the legal and sales department to minimize the risk of fake coins in the market.

In the stamping process, dies of the approved designs are used to create images on the metal sheet. These stamped metal pieces are sent to the edging and cutting department to get shaped coins. To get colorful coins, these raw coins are painted with epoxy paints to make them rust free. After baking at 1600F, the paint work is completed. To get the ultimate finish, polish is applied to the each coin. After that these coins are packed in various cases and sent to the warehouse. To ge5t cost under the allocated budgets, determined standards are followed strictly.

Friday, July 13, 2012


If you don't have enough funds in your hand to deal with your urgent monetary crisis then you can take help from instant decision payday loans. This loan will provide you a helping hand in getting quick funds at the time of need. With the help of this loan you can easily meet your urgent needs which you can't delay till your next payday.

Instant decision payday loans are short term loan and unsecured in nature. Thus lender will not ask for any collateral. The amount from which you can take benefit ranges from 100 to 1500. You have to pay back the loan amount within the time period of 2 to 4 weeks. This loan does not include any time consuming loan formality.

For getting instant decision payday loans you have to meet some prerequisites. Those conditions are as follow

Your age should be 18 years or above. You should be employed and must earn more than 1000 per month. You should have an active bank account of minimum 3 months old.

With the help of instant decision payday loans you can easily cope up with your short term expenses like paying children expenses, home rent, car breakdown, covering sudden medical expenses, paying monthly instalment, debit card bill, grocery bill and other pending bills.

If you don't have good credit history and have fear of getting the loan rejection then you can apply for instant decision payday loans without facing any hesitation as this loan is free from credit check. Thus bad credit holders like CCJs, IVAs, bankruptcy, arrears, or defaults in a hassle free way can apply for this loan.

You can easily avail payday loans instant decision by using online method. There are many lenders offering this loan at varied rate of interest. Choose the deal which suits you and by filling an online application form you can apply for this loan. This loan gets approved quickly and funds get credited in your account in the lowest possible time. Thus by making few clicks on your mouse you will be able to grab a good loan deal to deal with your crisis.

Thursday, July 12, 2012

Cash Loans: An easy loan for easy cash

Want easy and fast cash? In stead of approaching any other loans and wasting time you should better go to get the cash loans. These loans are renowned as one of the quite simple and also very borrower-friendly loans. Whether you want cash for anything like taking care of your immediate issues like arranging money after an accident, paying your child's examination fee, paying off your grocery bills, home instalments, electricity bills or medical bills, you will hardly find any other loan as suitable as this one.

The instant cash loan packs in it so great variety of advantageous features that after knowing about this no one will feel like saying no to it. These loans have no strict rule and regulations and in fact, the grounds of eligibility that are being asked by it also are very easy to be fulfilled. It simply wants its borrower to be of 18 years of age, to be a bank account holder and also to be an earning person with a monthly income of 1000, at least. So, don't you think that fulfilling these grounds is just very easy?

Other advantageous factors are that after applying for it you will not have to be worried about being turned down for having a poor credit score. Your credit records play the least role in these loans and it does not matter whether you are a good credit holder or a bad scorer. These loans will not check your credit history! So, along with this advantage, another advantage that comes associated is that as there is no checking no time gets wasted. So, you're valuable time gets saved a lot in these loans and you will be able to obtain the loan amount within 24 hours.

100 to 1500 is the amount that is generally being offered in the cash loans and for paying it back the provided time limit is 14 to 31 days. If you want that the repayment procedure should take place at ease and you do not want to take any stress then simply adjust it with your payday. As soon as you adjust the repayment date with your payday, the payable amount will get automatically transferred to the lender.

Tuesday, July 10, 2012

Shopping Online For Musical Instruments - Ten Important Questions To Ask

It used to be that if you wanted to buy a musical instrument, you had to find a nearby music store and find time to get there. This traditional method can be inconvenient and sometimes even impossible with busy schedules and limited local options. The music store may not have your preferred instrument in stock, it may be too far away or you simply may not have the time to get there.

Fortunately, the Internet makes it very simple to purchase musical instruments online. However, it may feel like you are taking a leap of faith by purchasing such a costly item without first playing the instrument, listening to it or even holding it in your hands.

Other issues can arise once you make the step to purchase the instrument could arrive at your door damaged, the music store might charge you the wrong amount or send you the wrong item. It is imperative to be able to trust the source that you are buying from before you make the purchase, so that if a problem does arise, you can be assured that it will be resolved.

Here are 10 questions you should ask in order to ensure satisfaction with your online musical instrument purchase:

1. How long has the online music store been in business? There are many fly-by-night stores on the Internet. One way to make sure you are not ripped off is to find out how long the store has been conducting business online. It's common for a company to list how long they have been providing services on the About Us section of its website. If you cannot find the answer on the website, try calling the store to find out.

2. Does the online music store have a phone number? If a company does not list a phone number on their website, it's a sign that they may not make contact with their customers over the phone. Communicating solely through email may complicate your purchase should any problems arise down the line.

3. Is the website secure? If the website does not have an SSL (Secure Sockets Layer) certificate, you may want to think twice before sending your credit card information to them. Digicert is a trustworthy company that provides SSL certificates to websites that meet encryption and authentication guidelines. McAfee Secure is another company that protects websites from hackers, identity theft, credit card fraud and viruses. Look for these badges they often include a check mark or lock icon on websites for peace of mind that the online music store you are purchasing from is taking all possible steps to ensure their website is secure, which will keep your personal information safe.

4. Does the online store have a physical location? Music stores that are experienced in servicing in-store customers directly tend to have more developed service policies, which will serve you as the customer better. Check the About Us section of the website for information about the music store's physical location.

5. Does the music store have good customer service? One way to find out is to call the music store before you purchase an instrument or piece of equipment. By speaking with a store employee, you will get a better sense of how knowledgeable the store and its staff is, should you have any questions about your instrument once you purchase. N' Stuff Music is a musical instrument store based in Pittsburgh, Pa., that focuses on providing great customer service. As Justin Sarra, N' Stuff Music's Sales Manager, explains, We try to make every online customer feel as though they are getting the same service online as they would if they walked through our doors. If you plan on purchasing an instrument online, the buying experience should be just as personal as if you went to the brick-and-mortar store.

6. Does the online music store have referrals or testimonials on their website? Typically, an online store will not post any bad comments about themselves on their website, for obvious reasons, but having some recommendations and testimonials available for potential customers is a good indication that the store is valued by its current customers. If the online store has a forum, allowing website visitors to post comments and ask questions about certain instruments, you can tell that they are open and honest, and value customer opinions.

7. Does the store respond to email? If you send the store an email with a legitimate question about a particular instrument in their inventory and they do not respond to your email within a reasonable timeframe one full business day you can safely assume that your business is not their priority.

8. Does the music store have a good social media reputation? Check to see if the store has an active profile on Facebook or Twitter and if the store has a decent number of friends or followers. Do they interact with customers online, and do these interactions seem helpful? You might consider contacting someone through a social media channel that has made a purchase from the music store and inquire about their experience. At the very least, you should perform an Internet search on the store to see if anyone has published complaints about them online or in blogs and forums. For example, searching Music Store Name and complaints may provide you with details about the level of service the store offers.

9. What is their return policy? The music store should list its return policy in clear detail on its website. If you change your mind about an instrument or if it is slightly damaged, you should know what the policy of the store is before making your purchase.

10. Can you listen online? Does the store make it possible for you to hear what the instrument sounds like online? Check for videos on the music store's website or on YouTube that may feature the particular instrument you are purchasing.

If you can find the answers to these questions, then online shopping for the perfect guitar, drum set, keyboard or other musical instruments will be a more positive experience. Do some comparison shopping often you can find instruments at a better price through online music stores, but remember that prices vary greatly from store to store.

Sunday, July 8, 2012

Variable Life Insurance

Variable Life Insurance

One of the more popular forms of life insurance out there is variable life insurance. But why is this complex form of life insurance gaining such popularity, and how can it benefit your financial foundation? Understanding Variable Life Insurance

Variable life insurance is a form of whole (or permanent) life insurance. That means that once you have had a policy approved and issued it will offer you insurance benefits for your entire life as long as you pay the premiums in full and on time. Even if your health starts to take a downturn or your weight increases, no changes will occur within your policy.

When you pay premiums for variable life insurance, you are not just paying for the cost of insurance but also for the "cash value" which is the portion of the premium that accumulates within the policy to offer a pool of funds that can increase your death benefit, provide tax free loans, give you a value should you decide to terminate the policy and create a reserve pool of funds to pay your premiums. The Variable Portion

The aspect that makes variable policies actually variable is the subaccounts that the cash accumulation portion of your premiums are invested in. These subaccounts are similar to mutual funds in that they are created by a group of investments, like stocks, that can provide a return on the funds that are deposited into them.

To understand this, think of your premium as serving two purposes. Part of it serves the purpose of paying for your actual cost of insurance-the actual death benefit that the life insurance policy provides. The cost of this benefit depends on your age and health when you buy the policy because they are directly related to your risk.

The second portion of your premium is applied to the cash accumulation (or cash value) in your policy. These funds are invested in the stock market by way of the subaccounts you choose and they value can increase or decrease depending on the performance of the underlying assets within the subaccounts.

This is what makes a variable life insurance policy both risky and rewarding. The subaccounts offer more risk than a fixed return would, but they also offer the opportunity for much more return-just as actually investing in the stock market could. But more importantly, no matter how poorly your subaccount investment return is, you will always have the death benefit as long as you pay your premium in full and on time.

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Saturday, July 7, 2012

Starting a Music Video Production Company.

Music videos were initially born as a means of marketing a potentially popular song, but they quickly became a staple in the entertainment industry and a requirement for any important record release. The enormous success of music videos has opened a new and highly creative field to producers and people looking to set up a music video production company. Production companies are now in demand by record labels and recording artists who want visual interpretations of the songs they are promoting. A production company is responsible for seeing that the visual elements complement the musical piece and effectively highlight its performer or performers, who generally "star" in the video.

Music video production companies are in charge of the financial and administrative aspects of the entire production. They are responsible for making a successful video while staying within a budget. They often work with the director to hire the production team, the choreographer, film editor, lighting director, and director of photography and must keep order among the creative personalities involved in making a music video.

As a rule, production companies are hired and paid by the record companies or artists who are financing the project. Sometimes producers are asked to submit ideas for a video to promote a specific song these re called treatments'. They must then compete with other production companies or video producers for the job.
In some cases, producers come up with an idea for a video and then try to sell the concept to a production company, record company, or artist. While some producers start their own music video production company, many independent producers need to find their own investors or use their own money to finance a project. Often music video recording sessions can run around-the-clock for several days. Producers must be able to resolve crises, including budget problems and flare-ups of artistic tempers. However, there is great satisfaction in being part of a successful project.

Some music video production companies have very little involvement with the day-to-day operations in making the video. Others are hands-on producers who take part in both the creative and administrative work, sometimes even doubling as director or film editor of the video.

Since the video format is a cross between a short-subject movie and a television commercial, production companies and their staff come from a variety of backgrounds; television, the theater, the movie industry, and even advertising. No specific educational background is required; however, producers must have a keen business sense and a thorough knowledge of finances. Beginners may seek training in filmmaking or video engineering while working as an assistant, essentially an errand gofer or "runner" on a production team. Continuing education courses in videotape production techniques, electronic tape editing, and the use of cameras and synthesizers can prove helpful. Personally, even thought I run a video production company I still like to work as a runner on someone else's production to get an insight into techniques and contacts I otherwise wouldn't be exposed to.

Music video producers whose work is not well known may have to knock on the doors of record companies to present their ideas for music videos. Once a production company is established or has won video awards, companies and artists usually approach them for their artist's projects.
Those who have enough money of their own can produce a video and then try to sell it to a recording company. This approach is very expensive, however, because making a video can cost anywhere from 20,000 to as much as 1,000,000 if it features a major artist.

It really helps to have contacts in the music or film business. To learn the business, interested individuals should apply directly to production or record companies for work as a production assistant. If your just starting out, network with local artists and ask them if you can shoot a music video for them, this allows you to work up your portfolio (or reel as they call it in the business). The more videos you do, the more practice you will have and the more successful you can be!

Thursday, July 5, 2012

Your Emotional Affair - End It and Stop Your Divorce!

Your heart beats faster every time you glance at your phone - has he text? You check every five minutes, to make sure your phone is on silent - so no-one hears it, so no-one suspects that anything is different, anything is wrong. You are tense and nervous with butterflies in your stomach, but then you hear the familiar buzz of your phone. Glancing down you see the word "Sue". It is your own personal code for him, and your heart soars, you can speak to the love of your life!

This is just the tip of the iceberg for people involved in an emotional affair, or involved in emotional infidelity. That wonderful high that comes when you speak to your new love, it seems to be so addictive.

Maybe you have tried to end the emotional affair, and just be friends. You have invested so much emotion, so much time now........he knows you inside out. That means he knows all the right buttons to press, to make you come running back to him.

The fact that it is not right to have an emotional affair has not escaped your notice. It is probably worse than a physical affair in some ways, because it cannot be right to share that innermost place in your heart with another man.

Do you remember a time when you were completely in love with your husband or partner, when you just enjoyed spending time with him, and you felt that you couldn't be happier? You can get that back, you can go back to that place. You know it was fantastic, you were full of love and dreams, you felt happy in your role as wife to him. The wonderful feelings you had have not disappeared forever, you can be happy with him again.

But ultimately...

What can you do to end the affair?

* You need to cut off contact with your emotional affair. That has to be totally. If you work in the same office, try to get a transfer, or at least make sure you are on different projects. If necessary speak to someone in human resources, but make sure you are away from him as much as possible.

* It is essential to confess to your husband or partner. Yes, it is very difficult. But remember, the blame is not all yours. In happy fulfilled relationships, people avoid emotional infidelity. The object of your emotional infidelity was fulfilling a need that you have, and it was not being fulfilled in your marriage. You need to think deeply about this, think of a way to explain it to your partner or husband so that he understands, but without apportioning blame.

* You need to be aware that this is a painful thing that you are going to have to go through. There will be emotional pain as you will not have that emotional crutch you have in the object of your affair. You may experience physical pain too. This is because you have become addicted to the emotional "high" of hearing from him, the excitement. Recognise that this will happen to you.

* You will have to feel sad about the emotional infidelity, to grieve it. It provided a need for you. You enjoyed it. The end is not worth the cost. It is truly not worth giving up your relationship for this other person. So do allow yourself the time to grieve.

While you are going through the four steps above you will need to be putting more emphasis on working on your marriage.

Wednesday, July 4, 2012

How To Recover A Low Credit Score By Applying Our Ways To Improve Credit Score

You're looking at a credit card billing that just arrived and you were thinking ABOUT tips to improve credit score as the bill is showing that you have not paid your dues and it lowered your credit score. You will find a great deal of ways to improve credit score but you need a quick solution to fix credit score quick so getting a loan won't take longer time.

Before we can start to list the ways to improve credit score, you have to understand first something about a credit score or credit rating.

Credit score plays an important role in your financial life, as is knowing the ways to increase credit score as your loan is determine by your credit score like for purchasing a automobile, home or pc or getting a student loan for your university classes.

Most of us depend on credit to get the things that are important to us if we don't have cash readily available.; A credit score is a three-digit number that can determine whether you can be approved for a loan. You might have questions inside your mind like: What is the minimum credit score to have my application for a loan be approved?, What are the ways to increase credit score with my status? or perhaps What will I do to fix credit score fast?

To start with, we need to know the minimum credit score. In the US a credit score of 723 is the minimum to be approved for a loan but having it higher is better. With this reference we must find ways to improve credit score that would reach this minimum score for your loans to be approved.

The truth is it's not that hard to reach or to get to a minimum credit score. It's much simpler if you don't have financial issues like debt or bad credit credentials like bankruptcy or foreclosure. These two will definitely reflected on your record and may take 7 years before it may be lifted. If youre not hit with these mishaps, it will be much easier to fix credit score fast.

Maxed out cards and missed payments are other serious debt problems that should be avoided to be able to fix your credit score fast. Be optimistic if you have these problems as there's always a solution. You just have to begin to change your habits right away and take seriously the ways to improve credit score tips. As long as youre being consistent, in time you will harvest the rewards and you will make the ways to improve credit score effective.

Whatever the status of your credit score, consider the following important steps or tips to repair credit:

1. During the review of your credit history, creditors look closely if you pay your bills on time, a simple thing that you may overlook as not one of the ways to improve credit score. You may be surprise to learn that these are simple things as your your electric, water and telephone bill and of course your credit card bill. In fact, this is a possible way to fix credit score fast.

2.Don't close any of your existing old credit card accounts that you have paid off. 1 of the essentialways to improve your credit score is the length of your credit history and it can make your credit score in good standing. Losing these accounts might impact your credit score negatively.

3. If you happen to have many credit cards make sure to lower your credit balance by spreading out your purchases and charges to these cards. When you can make it feasible don't use up your credit limit.

4.Another important ways to improve your credit score is take time to review your credit reports and report any inaccurate information.

For more advice and tips to improve credit score, you can check out our site.

Monday, July 2, 2012

How to Remove NCO Financial From Your Credit Report

NCO Financial is a collection agency. They collect for retail, financial services, healthcare and other industries.

They started doing business in 1926 and are both first and third party debt collectors.

They have 140 operation centers spanning 9 different countries. There headquarters are in Horsham, Pennsylvania.

They claim to be customer oriented and committed to integrity, teamwork and quality.

NCO Financial is able to use credit reporting. This means they can make a negative listing on your credit report which will cause your credit score to go down.

However you do have hope. You can have a listing from NCO Financial deleted. You have two options to have this listing deleted.

1. Dispute the negative listing with the credit bureaus.

This is accomplished by sending a dispute letter to the credit bureaus or you can hire a credit repair firm to dispute the listing for you.

If you do this yourself you must send a dispute letter to each credit bureau disputing the validity of the negative listing. Common reasons for a dispute are: the account has been paid, not your account, the listing is inaccurate and etcetera.

2. You settle the debt with NCO Financial. I suggest disputing the listing first and if that does not work then explore a settlement offer.

Do not settle for the full amount of the outstanding debt. You can negotiate the amount to settle. I recommend starting at 50% of the balance.

You should have NCO Financial agree in writing to remove the negative listing on your credit report as part of the settlement agreement. If you do not do this paying the debt will not help your credit score. The listing will remain it will just be changed to a paid collection.

Be aware that NCO Financial is probably not alone in reporting this account on your credit report. The original creditor is probably reporting this account as a negative listing as well.

It is common for collection agencies to sell accounts they have not been able to collect on to other collection agencies. Thus you could have another collection agency on your credit report that has created a negative listing for this account also.

If you have multiple negative listings on your credit report for the same account then I would consider a professional credit repair firm. You would want to do this because if you pay one company the account will still be negatively reported by the other companies.

If the debt is legitimate and you decide to settle do not pay the full balance. Collection agencies buy delinquent accounts for pennies on the dollar. If you pay the full amount you will be giving the collection agency a big profit.

Also do not be fooled into believing that NCO has the authority to remove a negative listing from the creditor or another collection agency.

I strongly recommend keeping all communication with NCO in writing. This way if the agreement you have made is breached you have written proof of the original settlement agreement.

In sum, dispute the listing first and if unsuccessful then make arrangements to settle your account. Get in writing that the listing will be removed from your credit report in exchange for payment.

Sunday, July 1, 2012

Planning to Sell Your Business? Tips to Fetch Maximum Valuation

It is disappointing to see how many people lose millions of dollars due to inadequate planning for their exit. Worse, many companies are forced to shut their doors because they fail to lure a buyer. The worthless exit is heartbreaking. With just right planning, preparation and application, you can see your company attracting high value offers. Consider the following strategies to get maximum valuation of your small business.

Don't Wait Too Long

Many business owners take too long to decide on selling the business; and by the time they make their mind, the income stagnates or they become too old to run the company. The best time to sell a business is when it is still booming. But that doesn't mean you should hurry, even if you urgently need a pile of cash. The buyers have a strong power to sense your urgency and they will surely take advantage of it during negotiation.

So, the optimum idea is to begin the preparation earlier. It will provide you enough time to put things in order without much panic.

Eliminate Debtors and Worthless Inventory

Nobody likes to purchase a firm with a history full of long term non-payers or inventory flooded with out-of-date products. For non-payers, try to collect as much of balance as possible or just write them off. Clear up the pile of long-stored inventory and sell them. If needed, offer suitable discounts. These burdens will do nothing good except drowning you down.

Clean up Financial Records

The buyers are crazy for a company with accurate financial records. They are going to bombard questions on financial strength of your company. Prepare a clean record of all the tangible and intangible assets including trademarks, patents, equipments, contracts and inventory. When selling a business, you should make the balance sheet and taxation position representable.

Strengthen the Legal Stuff

People interested in buying your firm will surely focus on the ownership and structure of the company. Do you comply with all the regulations? Any ambiguity in the contracts with suppliers and clients can negatively affect the valuation of the firm.

Focus on the Growth of Business

Right from the inception of the sales process, make growth the motto of your business. The skyrocketing performance pushes the valuations higher and higher. Consider building a strong management team. It is always better to have your own management body answer the questions of prospective buyer rather than handing them a written manual. The buyer also wants to know roles of key people in the firm and how long they are likely to stay.

Don't Make Yourself Central to the Business

People putting huge sum to purchase any company are mostly very smart. They know that after selling you'll leave the firm. And if you happen to be the most crucial person behind success of the enterprise, how will it fare without you in future? At least, that's what they think. Therefore, when you plan your exit, start training your managers to handle critical decisions and issues to enhance the saleability of business.

These steps are the backbone of increasing valuation of a firm before selling. Undoubtedly, they consume time, so it's better to start the process early.