Debt Consolidation for Renters or Homeowners with Poor credit or No Equity

Debt consolidation reduction Programs

Debt consolidation reduction programs will require your entire high interest debts which you owe and consolidate them into one payment per month, with a lower rate of interest. Your monthly payment for your one loan should also be a substantially lower payment for you monthly. The issue for many consumers with this loan plan's that they can have to have collateral just like a home or other good assets to acquire the loan.

With collateral you can obtain a lower payment per month, but missing a payment just isn't an option. Should you miss a payment, plus you've got placed your property up as collateral, you take the chance of losing your home. Another problem with investing in this type of home loan is lots of people end up repeating their same bad habits and increases more credit card debt. This is their explanation hold the loan to settle, and new credit cards to cover. You have to be well disciplined with ourselves and not remove any more charge cards until your loan pays off entirely. If you can do that, a debt consolidation loan program having a lower interest may fit your situation.

Consumer credit counseling

Bankruptcy is on the minds of many people since they don't know very well what else to complete. They ought to seek the help of the credit guidance service to check if they can repair their credit. Professional counseling can instruct you on your particular financial situation.

Once you have established an association using a credit counselor you'll sit down and look at all of your income and debts. Your counselor will have to understand specifically what your credit card debt is, and the other debts your debt, so that you can set up an agenda which fits your life-style. All income getting into the house is going to be totaled up as well as your debts will probably be totaled to find out what usable income you might have to repay your creditors. Your counselor could probably speak to your creditors and acquire some of your financial troubles reduced or get you lower rates of interest on your debts.

Your counselor will set up a debt repayment plan and manage the master plan to suit your needs along with your creditors. You'll pay the counselor one monthly payment, as well as the counselor pays off your creditors. You will have payment plan you have to keep up with for 3 to 5 years, before your creditors are paid off in full. Professional credit counseling just isn't free each agency charges differently. Some possess a flat fee that you will pay while some use your first payments for their fees.

Debt settlement

Debts settlements companies will tell you to avoid paying your credit card issuers and pay right into a fund monthly until you have enough to repay one of the creditors. A counselor doing work for the debt settlement company will get hold of your creditors and acquire lower settlement agreements for your benefit. You in turn will give the debt settlement company every month. Funds will build up until one of the creditors need what exactly is inside your fund like a full payment of the debt. Your counselor will pay that creditor and you may still pay in to the fund to work off the next creditor. Payments to those companies differ from one company to the next as well as their fees could possibly get costly. One trouble with this kind of situation would be that the creditors can still give you bills, and require to the court for your full amount.

Loan Car Title For Cash

One can easily avail loan car titles for getting quick cash. Car loan companies provide car title loans using your car's title as collateral. These loans offer you with a big advantage allowing you to get the car for drive even during the car title loan period. People who need quick capital and who wish to avoid the hassles of dealing with a bank can go for car title loans.

To be eligible for this loan, primarily the applicant needs to have a clear title to his car. This makes any existing loan on your car needs to be paid off before you can avail this loan. In general, the duration of a car title loan is 30 days. One can either pay off or extend it at the end of the loan term. For extending the loan, the existing interest has to be paid. The loans can also be paid off at any point of the loan term.

Car loan companies go easy on their customers' credit histories, since these loans are secured by the value of the car. Most companies do not make credit checks. Many other companies advance cash to the car owners even with a bad credit history. The car title loan process is really simple and hassle-free. Once you make a contact with a loan company, a representative of the company will assist you in getting the money you need. Amounts land by the loan companies are determined by the wholesale value of the vehicle.

A few factors like the year of the car, its make, model, mileage and condition are taken into consideration. After a comprehensive inspection of the vehicle, the company determines its value and the amount you can borrow. Loan companies offer flexible loan programs and you can choose the program that would best suit your needs. Once the car owner repays the loan, the company returns the title to the car.

How To Get Free Google Adwords Coupons

Welcome to my tutorial on adsense vouchers.

I have decided to write this guide to help all poor webmasters (that cannot afford an expensive marketing campaign) promoting their website without spending a dime.

I will describe a simple method to promote your website on google adwords for free.

What is Google AdWords?

Google AdWords is a marketing invention created by the search engine www.google.com to increase web site traffic for businesses.

The Internet advertising model used by google adwords is ppc also known as pay per click. Pay-Per-Click (PPC) advertising is a method of marketing where a business pays a certain amount of money each time someone clicks on a small ad on a search engine's results page or homepage and is then taken to the advertiser's website.

It allows advisers to put keywords into their ads to show up all over the World Wide Web when specific web sites and content are centered around those very specific advertising keywords.

The good news is that you can promote your website on adword for free. All you need is an adword coupon.

Godaddy is currently offering adword voucher to anybody, you can get up to 0 worth of Google AdWords credit when you purchase certain products.
GoDaddy.com is the world's largest domain name registrar, it provides world-class hosting every bit as good and often better than that which a hosting-only company might offer.

To receive your adwords voucher go here, and opt in for any hosting package.

We highly recommend to buy the virtual dedicated server plan since you will get 0 worth of Google AdWords credit, if you decide to buy a web hosting plan you will only get credits.

To run your AdWords ads, you'll need to create a google account, go here to create one.
If you already have an email address and password with Google services like AdSense, Google Mail, Orkut or iGoogle, you can use your existing account for AdWords.

Once your AdWords account is created, follow these steps to create your first ad campaign:
1. Sign in to your account at .
2. Click Create your first campaign.
3. Follow the guided steps to create a campaign. If you have questions.

Once you have activated the credit you will need to suspend your ads if you do not wish to receive additional charges beyond the free credit amount.

The promotional credit is non-transferable and may not be sold or bartered.
We are aware that there are other hosting companies that offers adword voucher for their new customers, hostgator is one of them. We highly recommend godaddy because they have the lowest prices and best deals around. If you need an affordable, reliable place to host your site -- with live, 24/7 support by expert staff who understand you godaddy is the right company.

I really hope you enjoyed this tutorial, more guides are coming soon, stay tuned.

Can You Really Get Free Money From The Government?

Government grants are federal or state monies that are made available without repayment. There are grants available for various purposes, such as paying down debt, getting an education, starting a new business and more. Government grants are funding awards that may come with conditions, or may come free of any obligation at all. Those grants that do come with conditions are often called forgivable loans, as the principle amount is not forgiven until those terms and conditions are met. Government grants are made in order to persuade or assist enterprises to pursue courses of action that are deemed to be socially or economically desirable. The range of grants available is very wide and changes regularly, reflecting changes in government policy.

Information individuals need about government grant programs includes understanding what grants are available, who is eligible, understanding who to contact about the requirements of the programs, and application and/or proposals required. All grant programs are different, and every program has it's own eligibility requirements and application procedures and processes. Information regarding their recent taxes, social security number, address and telephone numbers, place of employment, if they are working, should also be readily supplied. These applications are processed faster by faxing information in, than by traditionally mailing the paperwork in.

Individuals seeking government assistance may want to be aware that most organizations hire a person or team which deals only with government grant applications and processing, demonstrating how complex and involved the process can be.

Starting or expanding a small business is a common one, as is using the money provided to complete your education. The way the money is to be spent will be clearly specified in the grant application.

Federal student Aid or FAFSA is available if as a single mother you intend to go back to college. The lead time to get such aid is about three to four weeks, and besides your high school diploma you would need to be accepted in a particular institute before you can apply for the student aid. Federal Grants pass through many hands before it reach you. You can gain US federal grants right through the US government website also. Federally funded government grants can be searched by using a user friendly interface provided by the government grant sites. You'd better choose private grants, because private grants are sometimes fill as a first come, first qualify basis.

Public and private companies also give grants to students who have the potential to graduate with good grades. They also offer employment upon graduation to students that they have granted who have outstanding grades and knowledge.

Applicants for Certified Local Government Grants are required to use the web-based electronic grant application process. Exceptions are generally only made for those applicants who do not have access to the necessary equipment.

Even though it may sound difficult, There are all kinds of other grants (over 250K) and many of them have very few qualifications. Some are offered by the amount of money you make and pay taxes on, others are granted to new business owners, others for those that own homes or other assets, and many simply require you to be a tax paying citizen - that's IT.

Remember If you've already applied for grants in the past , and got denied,you can always apply again. But my suggestion is that you should prepare yourself better than you've ever done before.

Wholesale Real Estate Investing

Consider these parameters for a real estate deal:

Property Value: 0,000 Purchase Price: 0,000 Repairs: ,500

If you analyze the numbers, you see that the equity available in this deal is ,500 (Property Value minus Purchase Price minus Repairs).

So here's a hypothetical question for you: Assuming that the information above is accurate, and the property is located in an area that you view as acceptable and/or favorable, then:

If I offered to give you this deal in exchange for ,000 in cash, would you do it?

Remember - this is hypothetical. The real question here is this:

Would you exchange ,000 in cash for ,500 in equity?

For most savvy investors, the answer is: Absolutely YES!

This is called "Wholesale Real Estate Investing" - the process of buying a lot of equity at a very significant discount from another real estate investor who has already done the hard work of finding a deal and getting it under contract.

Just think about that - consider how easy real estate investing would be for you if you had a network of real estate investors in your area (and maybe even all over the country) who, several times each month, offered you the opportunity to purchase significant amounts of equity for a severe discount...

...It would be quite easy to become wealthy, fairly quickly, wouldn't it?

The answer again, is: Absolutely Yes, it will.

It is through smart "wholesale real estate investing" that you can increase your net worth by ,000 to 0,000 on every real estate deal that you do.

...Now the burning question becomes, "Where exactly do I find these wholesale real estate investing deals?"

I know of at least 3 solid sources...

You've got to admit - it will be a pretty wonderful thing when you know how to find great real estates deals in which you can trade a small amount of cash for a large amount of equity without even having to find the deals yourself...

...And that's exactly what "wholesale real estate investing" is all about.

So let's get right to it. Here are 3 places to find wholesale real estate deals:

1.) Visit the local real estate investing club in your area. Almost all of these clubs have networking opportunities to work with other investors who wholesale deals regularly, and this is an easy way to find great opportunities.

2.) Watch for ads in the newspaper, television, and in other media that advertise slogans like, "We Buy Houses", or "Sell Your House in 9 Days" or anything similar to that. Most of the time, these people are real estate investors, and they are happy to wholesale deals to people like you.

3.) Watch your email-box. Why? Because if and when you choose enrollment in various free e-courses online, such as that via tm-RealEstateInvesting.com, you'll be provided with automatic notification about great local and national deals as they become available. But be forewarned - you've got to act quickly whenever these deals are announced, because obviously the response is always significant.

Happy Hunting!

Lease, Rent, or Buy? Your Guide to Car Leases

When thinking about leasing a car, a lot of people ask themselves one question: Should I lease, rent, or buy?

Leasing, buying, and renting a car are all very different processes. Car leases and purchases are both methods of auto financing - with leasing, you're paying to drive the vehicle for a certain amount of time (often two or three years), whereas buying entitles you to actually own the vehicle.

Cars leasing is advantageous to drivers that prefer new vehicles, are unsure of their long-term vehicle needs, and/or do not want to deal with the hassle of selling their cars later on. Alternatively, buying is perfect for drivers who are more concerned with long-term costs and needs.

Renting a car is something different altogether. Unlike buying and leasing, whose costs are largely determined by set factors such as the vehicle's market value and expected depreciation, rental expenses do not follow a definite formula. Thus, renting a car is generally not cost-effective, and is only recommended for short term use (less than one year - ideally just a couple of days).

If you've decided to lease new cars, you might think you're done asking yourself questions, but here's one more to consider: Do I want closed-end or open-end car lease deals? Open- and closed-end leases are the two primary types of car leasing deals. Closed-end leases are more financially beneficial to the lessee, while open-end leases protect the leasing company.

Before going any further, it's important to remember one important concept of leasing a car: residual value. In car leases, a vehicle's residual value represents its predicted worth at the end of the lease. A ,000 car with a 50% residual percentage after 24 months, for example, would have a residual value of ,000. In this case, the lessee would agree to pay the difference - ,000 - plus the appropriate fees.

To predict a car's residual value, car leasing companies look at the history of the vehicle's make and model, in addition to factoring in the duration of the lease and the expected mileage. Therefore, the residual is an estimation - not a sure thing - meaning that at the end of the lease the vehicle could be worth more or less than anticipated.

Now, let's discuss the difference between open- and closed-end leases. Closed-end car lease deals are also known as "walk-away" leases, because they allow the lessee to simply walk away at the end of the lease, regardless of the car's actual value. The lessee will only have to pay for damages and/or extra mileage as stipulated in the contract. In an open-end lease, however, the lessee must cover the difference between the final worth and the forecasted residual.

Let's consider the ,000 New York lease mentioned above. Although the residual value after 24 months is ,000, it's possible that the car will be worth a lesser amount, such as ,000. In this case, the vehicle's worth will have decreased by ,000, even though the initial lease was only set for ,000. In a closed-end lease, the Brooklyn cars leasing company absorbs this cost, however open-end leases require the lessee to pay for the extra ,000 of depreciation.

What about if the car is worth more than expected at the end of the lease? In closed-end car leasing deals, the lessee can choose to purchase the vehicle at the residual price (as long as the contract included an option to buy). So, if the car wound up worth ,000, the lessee could buy the vehicle for ,000, then sell it for ,000 to profit.

Used Bike Finance

Now that you have made up mind to buy a used bike, your foremost concern is to take a loan in such a way that you feel no burden in repaying it. Taking this concern into account, there are many lenders in the marketplace who are providing used bike finance to every type of borrowers including bad credit ones.

You have secured or unsecured options in availing used bike finance. Under secured option you are required to place some valuable asset or the used bike you intend to buy as security with the lender. You should opt for secured used bike finance only when you require greater loan so that you avail the loan at lower interest rate for its easy repaying. Unsecured motor bike finance is a risk free borrowing as it is approved without any security. The lenders however will charge higher interest rate on unsecured used bike finance for covering risks. A comparatively lower rate is possible for good credit borrowers. You would be approved smaller amount as unsecured used motor bike finance. Repayment duration for secured or unsecured used motor bike finance is kept shorter ranging 2 to 5 years.

And do not worry about your past mistakes or late payments, payments defaults, arrears or as a results county court judgments against you, as such borrowers can always find lenders offering used bike finance to them. All you are required to do is show a convincing repayment plan to the lender mentioning your income and employment status. These days, lenders are more interested in repaying capability rather than bad credit of the borrower. You should however be paying high rate of interest.

Banks, financial companies and online lenders are main source of used bike finance. Make sure to compare their interest rate. Chances are that online lenders will provide you a low rate loan and that too in less time without charging anything on processing loan application.

Get Well Gift Baskets Are the Perfect Gift

When someone has been hurt or injured, undergone a hospitalization, or has just been sick, one of the best gifts you could ever give them would be one of the many get well gift baskets that are now available. These are ideal for both men and women and if chosen correctly, they will be much appreciated during the person's recovery.

There are several different types of get well gift baskets, each of which are designed for a particular type of situation. For example, if the person is recovering from a broken leg or some other type of injury that leaves them with a lot of time in bed at home, then you might want to give them a gift basket that is not necessarily full of their favorite foods, but rather things to keep their mind occupied. Small games, puzzle books, notepads and fun pens, and entertaining or uplifting books all make up a great get well basket.

If the person has undergone a surgery or a long illness and is on the road to recovery, then reading material is always a good thing to include in books, but so are healthful food items, small craft projects, or music that they can utilize to lift their spirits.

If the recipient has a hobby that you know of, then you can also find get well gift baskets that have a particular theme, such as golf, baseball, music, knitting, or even fitness. For any hobby or interest, you will have no problem finding get well gift baskets.

It is important to keep in mind that if the recipient has particular dietary restrictions as a result of their injury, you don't include any of those tempting items in the gift basket. In other words, if the person will be housebound and struggling with keeping weight off, then you might not want to send them a chocolate gift basket!

Many get well gift baskets also come accompanied with flowers or some type of floral arrangement, which a lot of people particularly really do like. They can enjoy the flowers in the short term and then work their way through the various items in the gift basket over time.

The best part of receiving a gift basket is noticing how well people know you and how much they are really thinking of you. When you are stuck at home, not feeling good, or feeling depressed, and you get a gift basket that shows someone put some thought into you, how you are feeling, and the things you need and would like to do, you will automatically feel better.

As the sender, the good news is that these baskets do not have to be expensive and the addition of just a few small thoughtful items can really make all the difference to the recipient. By choosing a gift basket that is just perfect for the recipient, you will not only help to make them feel better, but you might also be helping them to recover as well.

Looking For A San Diego Mortgage Lender

If you're thinking about moving to the San Diego area, there are quite a few things that you need to keep in mind prior to making your move. Among the most essential of these things is the San Diego mortgage lender you decide to go with to finance your loan. With all of the alternatives out there for mortgage companies in the San Diego area, you may feel a bit intimidated by the choice you have to make. The details on the mortgage that you end up with should be entirely in your favor as long as you do not rush your decision at all and there are no hidden fees in the agreement. When looking for a home lender in the San Diego area, here are some useful things to make your research easier where your able to get the loan you need at a good monthly price.

Asking family members, friends or business associates who have moved recently are good places to start out. The people in your life that you're nearest to will be able to give you good, unprejudiced information that you know will have your best interests in mind. This is a far better way to begin your search than by reading online testimonials written by people you've never met and do not know anything about. As you're actually talking to these people, you can put together a list consisting of the mortgage companies they recommend, while making another list of the ones they recommend you stay away from, if any. You can research lenders individually once you have established a good starting point of prospective companies.

There are several ways you can research lenders on their own. The internet is a fantastic way to find simple information. No doubt the information offered on many company websites will be beneficial. If you're looking for more exact information relating to the particulars of your situation that will affect the terms of your loan, you can call the loan companies in question for that information.

To help you find the appropriate San Diego mortgage lender, it might be wise to consider investing in a mortgage broker. Although it might cost you more money for the short term, a mortgage broker will help you get the deal that will work best for you and just you. Getting their clients the best deal possible is the job of mortgage firms, it is also the job of these people to get you the very best loan possible. A mortgage broker works with different lenders in order to figure out which one in particular will be the best option for you. In addition to acquiring the best deal for you on a financial basis, a mortgage broker will also be doing the majority of the heavy lifting, so to speak as you sort out the process. A lot of the stress can be taken off your shoulders when working with a mortgage broker, which makes life much easier for you.

Purchasing a home is one of the greatest, if not the biggest, investment you'll make in your lifetime. While things can certainly get annoying as they drag out, the most important thing is to be sure you stay patient and to make a level headed decision. Prevent headaches down the road and consider when looking at purchasing a home to consider getting a mortgage broker to help iron out a good deal with lenders.

Easy Payday Loans

An easy payday loan is a great way to cover expenses when you are short on cash. This type of small loan is ideal for such expenses as a late phone bill, a replacement tire, covering a dental bill, or even an emergency vet bill. No matter what the situation is, the easy payday loan can help you in your time of need.

However, easy payday loans are intended as loans for the short term and emergencies only. These loans are not to be considered supplemental income and should not be used for trivial situations. Using an easy payday loan for something you truly do not need can throw you deeper into debt or even hurt your credit.

It is best to use easy payday loans for something you need, like an unexpected bill to repair your car so you can get to and from work, or to cover that last dental visit. You should not use your easy payday loan to cover a shopping spree or a new hair style. It is also unwise to take out a payday loan to gamble or to pay off another payday loan. Reasons you should not abuse a payday loan in this way is that payday loans have rather high loan fees, usually up to 25%. If you take a payday loan out for something you do not need, you are not handling your money wisely.

Always make use of payday loans with care and responsibility. Before deciding to accept a lender's loan terms, always be sure to read the fine print and look for any hidden fees or costs that they may have. Be sure you understand the repayment schedule. Furthermore, it should go unsaid that you should only borrow what you know you need not what you want to spend. This way, when it comes time to repay, you will be able to afford to do so.

Is It Worth Taking the Risk to Use Tax Havens to Avoid Paying Taxes?

Tax havens are considered to be a target by many countries across the world as these territories reduce the revenue of many governments across the globe. People resort to them to save on taxes and when taxes and assets are hidden from the government there is loss of revenue and that hampers to the functioning of the many projects that the governments introduce to benefit its people. Most of the people pay their taxes promptly, but there are others who will look at tax havens as an opportunity to avoid taxes. Corporate companies also use this as an option to reduce the corporate tax that they pay to the government.
What Is A Tax Haven Country?

Tax havens are countries that impose very low taxes or in any case no tax on investments and income earned out of that country. This is done to encourage people from investing in the country so as to boost the economic status of the country. Such countries will provide its investors with any or some of the following

Lower rates of taxation or no tax

Option to operate bank accounts in secrecy

No transparency in the tax system and way it operates

No effective information exchange with other countries

Generally most countries across the globe will have international treaties that are signed between them that will allow exchange of information relating to financial transactions and financial investments. But these countries will not have signed such treaties and therefore the exchanges of important financial information that are done by citizens of other countries in tax havens are not accessible. This is why it is not easy to identify such financial transactions to tax them and people often get ways by investing in such countries.

How are Tax Havens Used?

The most straightforward use of tax havens is when a person or a corporate opens a bank account in the country and routes a bulk of the payments received through that bank account. These offshore bank accounts will not be accessible to the tax authorities and therefore are not possible to be traced easily and this is a form of tax evasion that the tax authorities consider a serious act of hiding income and assets. There are also trusts and offshore corporations that are setup in these countries that will not have transparency about the owners and the promoters. Such foundations are clearly designed to hide information from the tax authorities and will help to hide some of the most important parts of a transaction. Tax authorities consider this as a type of aggressive personal and corporate tax planning and are labeled as tax evasion.

Is It Worth the Risk?

As there is very little transparency in the entire system, there have been reports where people have been swindled of their money in trying to resort to tax havens. If an event like this occurs, the individual or corporate cannot approach any organization to help them out as there will be no proper records of the transactions that are being made and they can be rest assured that the money they have lost is not recoverable. If the tax authorities identify you as a person who is using such countries to hide information from them, then you will face strict actions that will be taken by the officials. Apart from the 505 penalty that you will have to pay, there will also be criminal charges framed against you and that can lead to jail term up to 5 years and a fine of up to 200%. This is much higher when corporate are involved as corporate tax rates are generally higher than personal taxes. With such severe actions, it is definitely not worth taking the risk of investing in tax havens.

A Simple Guide before Acquiring a Holiday Loan

A Simple Guide before Acquiring a Holiday Loan
We are all very excited as the holiday season is nearing. However, many feel anxious spending for presents, party, a new home project, or even for a holiday vacation especially when the budget is tight during this time of season. Not wanting to spoil the joyfulness of the holidays because of lack of funds, holiday loans are being offered here and there by a lot of companies. Before you can be drawn quickly in getting one, here are three simple things you have to remember:
First, think of your holiday goals in terms of your personal and family's needs. Jot down what you really want to have or do during the holidays. If you plan to have a vacation break with your family or be alone if you're single, make sure you have a clear plan where to go and how much you would want to spend for it, or research on places you want to go to set a clear budget. But if this coming holiday season, you wish to have something to buy or something to organize within your homes, then still list down the items and how much each item cost. Visit places where you can find shops that offer pre- holiday sale or special holiday coupons. Knowing your wishes or goals for the Christmas season will help you make a decision if you need to grab a holiday loan for that matter.
Second, assess your current financial status. One question you can ask yourself is, "Would I be able to give the monthly pay-off if I acquire a holiday loan?" It is very important that you could do a simple addition and subtraction of your monthly income. Is it visible to you and viable on your finances that you can live after the holidays with another additional outlay? Undoubtedly, the status of your finances should be clear so that you can decide suitably if you will acquire a holiday loan.
Lastly, do a research on companies offering holiday loans (even when you are still contemplating on getting one). In order to have a better insight if a loan for the holidays is a good step for you, give yourself time to research on the different offers by the different companies. Get the disadvantages and advantages to enable you have better options or best deals when you decide to have a go with it. It is good that you personally visit the business office of the company that offer such loans and spend time with their representatives so they can directly answer questions you have in mind. You can research on the internet to get a listing of companies offering holiday loans and check if they are within your area so you can pay a visit. Compare them based on the quality of service they provide, flexibility of loans, payment options, good feedback by customers, and a reputable market position.
So before you really have to settle on a holiday loan, consider these things out and it might help you have a rewarding and a happier holiday season.

Online Property Auction Site For Real Estate Buys

Investors who want to buy distressed real estate properties can do so from the comfort of their own homes by visiting an online property auction site. Due to the current economic situation, many municipalities have had to repossess or put liens on houses and land because of delinquent taxes. Owners of real estate properties have legal obligations to pay taxes to their county treasurer. When they don't, the community suffers and action must be taken.

Auctions are held for buyers and sellers to participate in a process where goods or services go to the highest bidder. This method of buying goods has been around for eons. In fact, there are reports that this technique was used by the Romans during the days of the Roman Empire. After a military battle, the victors would sell off the spoils of war in this manner. The Roman Empire officials also sold off the belongings of debtors to pay off their debts.

Many items have been auctioned off over the years. Typical goods and services that have been sold include cattle, cars, jewelry, art, and much more. Today, distressed real estate properties and land are sold through auctions. These auctions may be held on county courthouse steps, in ballrooms, in kiosks in a community's government buildings, or online through an Internet property auction site.

There are multiple ways to bid in auctions. A classic way is an auctioneer who stands in front of a crowd of bidders and introduces each item as it comes up for sale. Buyers will typically have done their homework in order to know what they want to buy and for how much. The goal is to acquire goods and services at the best price. Bids may be placed by calling out the numbers, raising a signaling device, or punching a keyboard in the case of an online property auction site. If a buyer was planning to buy a house or piece of land, he or she will have performed due diligence before the event.

When items come up for sale, the bidders compete for it by placing bids and the highest bidder wins. In delinquent tax sales, the winner must have the funds readily available and be ready to pay cash and take possession. Unlike other real estate buys, there will be no financing or inspection period. If the person who placed the winning bid doesn't have the funds, it will default to the next highest bidder.

Investors or buyers looking for a good deal in properties can find them in various ways including through an Internet property auction site. A wise buyer will do his or her homework before the sale. When the desired item comes up for sale, the highest bid will be the winner.

Should you Buy Bluegreen Points from the Resort or from the Resale Market?

This article compares the premier benefits obtained by buying at full price from Bluegreen Resorts with the value of buying a resale contract on the secondary market.

It is very important to understand that any premier or VIP benefits can be changed or canceled entirely at any time, as these benefits are not tied in any way to the real estate ownership (which is why the developer can restrict these benefits from being transferred when the ownership is bought or sold on the secondary market!). In fact, shortly before this article was written, Bluegreen had just changed the benefits again- by reducing the privileges given to Bronze level owners (presumably to try and "encourage" more owners to purchase even more points and "upgrade" to higher levels).

Bluegreen pricing is currently about .85 to .25 per annual point.. Resale prices can commonly be found in the $ .25 to $ .40 per annual point range!

The Premier or Elite Levels of Bluegreen are classified as:

Bronze level VIP privileges are received by owning 15,0000 to 19,999 annual points.(Approximate cost of ,000 to ,000 if you buy resale and ,000 to ,000 if you buy from Bluegreen)

Silver level VIP privileges are received by owning 20,000 to 34,999 annual points. (Approximate cost of ,000 to ,000 if you buy resale and ,000 to ,000 if you buy from Bluegreen)

Gold level VIP privileges are received by owning 35,000 to 59,999 annual points. (Approximate cost of ,750 to ,000 if you buy resale and ,000 to 5,000 if you buy from Bluegreen)

Platinum level VIP privileges are received by owning 60,000 annual points or more. (Approximate cost starting at ,000 if you buy resale and 0,000 if you buy from Bluegreen)

Some of the benefits and privileges premier level owners receive are:

Villa upgrades: Premier owners are eligible to get a free one category villa upgrade based on availability. When you can request the upgrade and how many upgrades you can receive differ by level.

Bronze = 1 day prior to the reservation and a maximum of 3 upgrades per year. Silver = 2 days prior and 5 per year Gold = 3 days prior and 7 per year Platinum = 4 days prior and 10 per year

Presidential Villa Upgrades are only available to Gold and Platinum level owners and are subject to the same maximum count per year.

Gold - 4 days prior Platinum - 7 days prior

Question for potential buyers: Is having a chance (based on availability just before check-in) at upgrading to one unit size bigger than what you reserved worth paying more 500% more for ownership?

The Obvious Answer: No! However, chances are you will already have reserved the unit type you need for your stay since nobody reserves a villa too small to accommodate their family. While an upgrade to a larger unit is certainly a nice perk, it is not necessary and certainly not worth thousands of dollars!

Another possible benefit is the waiver of cancellation or modification fees when you change a reservation.

Bronze class owners do not receive this benefit. Silver level owners are allowed up to 3 modifications or cancellations per year. Gold level owners are allowed up to 5 modifications or cancellations per year. Platinum level owners are allowed an unlimited number of modifications or cancellations per year.

Basically, unless you own 20,000 points or more- you still have to pay cancellation fees! This restriction puts this benefit out of reach for most owners. Platinum class owners who routinely rent their points may find this to be very beneficial, but they will have to consider the vast increase in purchase cost as well as the risk that the benefit could potentially be changed at any time. For almost every knowledgeable buyer- the decision is simply that buying resale is the best choice!

Another benefit is that Gold and Platinum level owners can receive extended stays and reservations at no cost based on availability.

Gold members can have one free white and Blue Season reservation per year. Platinum owners can have three free white and blue season reservations per year.

At first glance, this seems like a fantastic benefit! Who wouldn't like to get vacations for free!

But when you really think it over- it's not as fantastic as it sounds. Another great point for resale buyers is that unless you own 35,000 points or more- you don't even get the chance! And when you compare the cost difference- this benefit is at best a bad joke! Owners are often paying between ,000 to 0,000 over resale pricing for the privilege of getting a few free nights? At a rental rate of 0. per night, it will take you more than fourteen years before you break even! If the rack rate is only 0/night- it then takes more than 35 years! Chances are that extra money in your pocket can purchase all the extra nights you will need.

As always, timeshare ownership at resort prices is far more sizzle than steak! Take your time, research the product and the benefits- and I'm confident you'll agree that purchasing a Bluegreen timeshare ownership on the resale market is the only smart decision!

Copyright (c) 2010 Richard Marquette

Business Loans: Simple and trouble free cash aid for business requirements

Do you need instant cash aid to boost up your existing business? Want to establish your own business entity? If so, then considering business loans prove to a feasible financial option. These loans avails you quick funds with an easy and trouble free manner. You don't need to meet tedious and prolonged application criteria. Just fulfill the certain requirements and complete the hassle online form with convenience of your home. Within less time you'll get approved for the funds.

With assist of business loansyou'll simply get the required funds with an easy and hassle free manner. You don't need to stand and wait in long loan queues to avail the funds. All you just need to complete the online application form with general details and submit it on lenders site for further process. Online is the preeminent way of getting approved for this cash assistance deal. Within less span of time your approved cash will get transit in your bank account

Before applying for these loans it is necessary that borrower must held proper research of online market to avail the reliable and authentic loan deal. Even, the interest rates charges on these loans can be a bit higher due to unsecured nature. But, to enjoy the affordable deal you must compare the price quote of numerous lenders and select the good deal for you.

Business loans for women can be accessible in both secured and unsecured way. But the choice is yours that which deal you want to go with. The features of both financial forms are as follows:

Secured business loans:

? Get funds in the ranges of 5,000 to 75,000
? Time duration would be 5-25 years
? Security placement is must
? Interest rates can be low.

Unsecured business loans:

? The amount offered in the ranges of 1,000 to 25,000
? Repayment term should 1-10 years
? There is no requirement to pledge collateral.
? Interest rates can be slightly higher.

Moreover, bad credit people may simply access the cash on the same conditions meant for good credit borrower. In fact, no need to disclose your credit status in front of the lender as it is free from any credit check process. So, arranging instant funds for numerous business purposes is become much convenient with these loans.

Refund of Service Tax

Service Tax, as the name suggests is a tax leviable on all duties. It is a tax levied on the transactions of the facility specified by the Central Government under the finance Act, 1994. It is an indirect tax (akin to Excise duty or Sales tax), which means the service provider pays the tax and recovers the amount from the recipient of the taxable work.

Service Tax is generally recovered by Assessee in two ways:

By utilizing the same as in the form of Cenvat Credit, or

By Claiming the Refund.

Any Assessee can utilize the amount of duty paid by him in excess by adjusting the same with the duty amount paid in subsequent period. Refund of tax can be claimed by Assessee where self- adjustment of Service Tax is not feasible.

Refund of Service Tax generally happens in case of export oriented companies (STPI, SEZ, EOU units) which export their final product/duty, as no tax is levied by Government to promote the export. Such companies disburse excise on the input/output assistance procured by them but are not able to utilize the Cenvat Credit because no due is received by them on export of their services. As a result, such companies have to opt the procedure of claiming refund for unutilized cenvat (tax) credit.

The Export Oriented Units, especially the STPI units have been facing many hurdles and difficulties while claiming the service tax refunds. There had been inordinate delays towards the scrutiny of refund applications coupled with rejections of the claimed amounts due to various reasons by the designated authorities, primary reasons being:

Time Limitation for the refund claim of duties.
Relevant date for the calculation of limitation period in respect of filing the refund claim.
Implication of the Principle of Doctrine of Unjust Enrichment.
Submission of separate Foreign Exchange Remittance Certificate (FIRC) in case of segregated export of goods & utilities.
Submission of Original documents such as Invoice, BL, SB, BRC etc.

The Central Board of Excise & Customs is seized of this matter and has been regularly clarifying on this issue through various clarifications/Notifications covering many procedural issues with respect to refund of service tax paid. It has settled many issues like the time within which the refund claim shall be filed, acceptance of certified photocopies as a valid document, submission of self-certified statement along with FIRCs etc.

Despite various initiatives taken by the department, there has been a huge pendency of tax refunds primarily because of the incomplete documentation by the claimants, tedious process of physical verification of documents submitted to the department and the difference of perception between the claimant and the department regarding the admissibility of input services eligible for refund.

There are many specialized Service Tax Consultant in Delhi, NCR that helps companies in sorting out the problems they face related to tax. But it is always advisable to do some serious research before contacting a STPI Consultant in Delhi.

Create an Incident Command Post using vehicle accessories such as tailgate tents, lights and flags

When fires break out or accidents happen, emergency response teams are quick to arrive on the scene. Fast response is necessary in order to save lives and property. Anyone involved in an incident relies on the police, fire fighters or other responders at the scene to act quickly, organize efficiently, and make life-saving decisions. In such hectic conditions, organization is imperative and establishing the incident command post to coordinate response activities is top priority. It can often be difficult to distinguish which response vehicle is coordinating efforts, which is why custom vehicle accessories make all the difference. Accessories such as easy to set up EMS vehicle tents and lighting that can turn any response vehicle into a clearly designated incident command post are important tools for first responders. These vehicle accessories are making a hugely positive impact on incident management.

The need to take orders from a single center is quite clear. The accident scene is full of many responders and all of them are on the scene to offer valuable assistance needed. However, the fact that so many people are on scene with a wide variety of emergency vehicles may create confusion.

Any additional amount of confusion can easily lead to loss of lives that would otherwise have been prevented. Experts have noted that such mistakes have contributed to unfortunate happenings at accident scenes, they have since developed products and recommended the implementation of a mobile incident command center. The responders are therefore coordinated from the command vehicle identified by a clearly marked canopy, flag and lighting.

Personnel arriving on scene shouldn't have to ask "Where's the command post?" But finding a sedan - or SUV - size command post in a sea of massive fire and rescue apparatus can pose a challenge. With EMS vehicle Command Post Flag and Light any vehicle can be identified by the green "CP" flag and a green beacon mounted on a collapsible, 10 aluminum, shock-corded pole that attaches to the side of the chosen response vehicle via extra strong magnets. The beacon is visible from two miles away and can be set to stay lit or to flash.

First Responder vehicle canopies were designed and created specifically to aid rescuers who will be arriving in different vehicle types. You may have even seen these accessories used in some of your favorite shows like CSI: Crime Scene Investigation. These canopies are adjustable to fit the rear opening of most emergency vehicle trucks, SUV's and vans. EMS vehicle tents are lightweight, easy to stow and quick to set up.

These custom vehicle canopies are also designed to protect valuable equipment including computers, radios, fax machines and coordination materials by offering extended protection from the elements four feet beyond the rear of the vehicle. This easily provides enough space and shelter for up to 4 professionals on the scene to operate equipment and coordinate efforts. As most responders know, accidents are never convenient, which is why the additional lighting proves to be useful at night. This design is engineered specifically to aid the mobile rescue unit.

Accident victims rely on responders and responders rely training and having the right equipment accessible. First responders are finding great value in EMS vehicle accessories such as easy up truck tents with command post markings and lighting.

College Fundraisers - Turn Heads By Adding Creativity And Excitement!

College fundraising ideas must be able to attract attention. This is how a college fundraiser succeeds by catching the interest of the students. But this is easier said than done, especially if the main market or audience of the fundraiser is the students themselves. Students are always preoccupied, and trying to snatch a moment of their time is very difficult. Hence, college fundraisers must appeal to their concerns and their interests.

College fundraising activities must be able to give something back to the students so they will be enticed to participate and, in turn, donate a portion of their valuable money. But what type of college fundraising ideas appeal or interest the students? According to various resources on fundraising, as well as the past experiences of the schools, the plan for university fundraisers must be youthful and innovative. Here are some college fundraising ideas which can definitely attention of the school population.

Date Auction An Exciting and Popular Idea

One of the most common ideas for a college fundraiser is the date auction. While commonly used, this idea rarely fails because to appeals to the student population without fail and, most importantly, it does not require a substantial amount of funds to organize.

The idea here is to auction dates with popular campus figures team captain of popular sports team, the president of the student council, or whoever is popular among the student populace.
The organizers should ask local restaurants, cafes, and theaters for gift certificates or sponsorship for a few free dinners and movie tickets, then talk to the students they are planning to auction. The college fundraiser marketing committee should be able to work out a deal with these establishments and students. The auction should be done in a public area within the university.

The key to success here to choosing the right students to be auctioned, although the dinners and activities that come with the date is also an important consideration. This works because using popular student personalities in itself is already a huge promotion tool. Of course, it works if the organizers of the college fundraiser the activity properly as well.

Athletic Auctions More Practical But Just as Profitable

If the date auction does not sit well with the organizers for example, if they are not able to find willing students the athletic auction is a great alternative. This college fundraising idea uses the appeal of the school's sports teams, which are always popular among the student population. The organizers in cooperation with the sports team of their liking, of course, can sell or auction out various athletic memorabilia such as jerseys, team uniforms, posters, and prime seats during the game season for the auction winners.

Of course, college fundraising ideas are not limited to these. There are several ways to collect the needed funds for organizations and causes. These are just some of the more popular ideas that schools have been using ever since. In essence, any college fundraising idea that is remotely interesting can work as long as the organizers are sincere with their intention to collect funds for noble and worthy causes.

Best Forex MT4 EA

Many people want to get involved in Forex trading but cannot do it on their own and need some assistance from a Forex expert advisor which will conduct trades for you depending on when you desire to have them done. It can be tricky to find out which Forex expert advisor is the best for you so it is useful to read reviews to see what the experts think themselves.

The number one ranked expert agent is Forex Hacked. At 9.99 currently it is well worth the investment especially because the price is expected to be increased another to 9.99 relatively shortly. They also have an appeal that a certain number of copies will be sold but it is not yet determined or released. They allow people to run right out of the box so to speak with no tweaking or customization needed. They also offer a 30 day money back guarantee if youre not satisfied so there is no reason not to take the chance here.

Carter Stevenson, a multi-millionaire, has created the software Pip Turbo for Forex Trading. He actually got rich from Forex trading alone and now it is in a box for people to use to get their own riches as well. PipTurbo is able to trade under the currency pairs of GBPUSD, USDJPY, USDCHF, EURCHF, and EURUSD which not too many software programs can do so it is the major selling point of this software. The numerous filters also keep the software running smoothly. The cost of this one is 9.99.

A third software that should be considered is Piptronic developed by Jon Kopitar. The best features of this include a market timing algorithm and a similar trend to adapt his technology. There is also a NOS setting which can impact the results of your trading. It can be turned on or off to allow you to see how it can impact your investments. Some of the highest winning percentages and lowest down falls are accomplished through this software. It is not the newest software and old reviews say that there were problems but the most recent update, 2.0, has fixed these issues. The cost of this software is relatively lower at 9.99 when compared to other expert advisors.

Fap Turbo is yet another software that you ought to consider if you arent sold on any of the previous 3. This one is priced at 9.00 and offers a 60 day guarantee which is a huge selling point since most other sonly offer a 30 day guarantee. It does state that your investment can be doubled every single month but these claims are not completely upheld. In a test that was run with a total of 26 trades only 5 of them were losses which are rather high.

Forex expert advisors cannot fit a one size fits all mentality. Each software must be adopted to your individual strategies for turning a profit. With all the trial periods you can try each one out until you find the best one available.

Mike Dillard's Elevation Group - Another Over Hyped Sales Pitch Or The Real Deal?

You'd have to be stranded on a deserted island in the middle of nowhere to not have heard about the launch of Mike Dillard's latest financial program "The Elevation Group". I've witnessed countless other wealth building programs being pitched, hyped up and marketed to death but I have to admit the level of sales pitches and marketing surrounding Mike Dillard's Elevation Group was about as over the top as I've ever seen.

The big affiliate marketers came out in droves and now you're suddenly seeing a bunch of internet marketers all now claiming to be financial experts. That is absolutely ridiculous.

Half these affiliate marketers suddenly claiming to be financial experts and economists wouldn't know a stock P/E ratio or a leveraged Exchange Traded Fund from a lead capture page. By the way, if financial terms like that leave you scratching your head then you need to read this Elevation Group review more than you know.

So let me cut through the silly marketing tactics and super slick sales pitches and give you the inside scoop on Mike Dillard's Elevation Group from an investor's (not an affiliate marketer's) perspective.

What is the Elevation Group Exactly?

The Elevation Group is a financial and investment education based membership group created by Mike Dillard. Mike is actually one of the most successful internet and network marketers in the business and is well known and respected in the industry.

So how does an internet marketer create a financial and investment education company? I mean what does an internet marketer know about investments and financial information? That is exactly the point of Elevation Group. Admittedly, Mike knew very little about investments and wealth building strategies when he started the Elevation Group. The Elevation Group is actually Mike's personal diary of his journey into unlocking the investment strategies of the ultra-rich.

In nutshell, as a member of Elevation Group you get to tag along and follow a multi-millionaire internet marketer around as he scours the world in search of the absolute best financial experts and wealth building strategies available.

What Type of Information Will You Get in the Elevation Group?

As Mike says, he unlocks the "black-box" investment strategies of the rich. You'll discover how financial gurus and multi-millionaires like Robert Kiyosaki and Donald Trump actually get richer during times of economic turmoil.

You'll learn how to use a concept called "infinite banking" to become your own bank and grow your money 100% tax free. You'll also get to listen in on world renowned precious metals investor Mike Maloney as he shows you how to grow your wealth by as much as 280% even during a recession.

You'll learn how to scoop up cash-flowing real estate investment properties at pennies on the dollar by leveraging silver and gold. There's also an extensive education on how to profit during times of high inflation and how to protect your family from a financial crisis like the one we had in 2008.

We all know that millionaires and billionaires get to play by a different set of rules and have access to better investments than the masses. Since Mike is already a multi-millionaire, as a member of the Elevation Group, he lets you tag along as he opens doors and gains access to financial investments and wealth building experts that average people simply cannot.

Will You Get Rich With Elevation Group?

The Elevation Group was created more to help you grow the money you already have rather than to make money. If you don't have much capital to invest and you need to make more money, then the Elevation Group may not be the best option for you. The Elevation Group is not a business opportunity but is more of a rolodex of expert financial information and contacts. Truthfully, if you're not an experienced investor I would recommend you obtain the services of a good financial investment advisor who has extensive experience with alternative investments and wealth building strategies before you join the Elevation Group.

Ho Scale Model Train: Keys To Benchwork & Track Planning

The HO scale model train is the popular model train scale in most of the world as it provides a balance between detail, cost, and space efficiency. Its 16.5 mm track gauge allows modelers to utilize a smaller space without compromising on fine detail. Modelers can create elaborate track layouts within a limited room space. Given the HO scale model train popularity, there is a wide selection of cost effective equipment and scenery on the market.

But even given these advantages with the HO scale, the key to a successfully layout for model trains is proper benchwork and effective track planning.

What Is Benchwork and Why Do I Care?

The foundation or structure of the model railroad layout is referred to as the benchwork. While many beginner track start out on the floor, the desire to move the layout up to a bench quickly becomes apparent. A common starting point for benchwork is the standard 4' x 8' sheet of plywood found in hardware stores. But consider 30 x 60 sections screwed together. Now the sections can be disassembled and moved through standard doorways. A 30 section allows for easy reach from the front. And sections can be arranged around the perimeter of a space or around the walls for broader curves and longer track sections. Another reason to consider sections is to support different elevations.

Good model railroad benchwork is modular, relatively lightweight, and easy to work with. For benchtops, avoid dense, heavy materials such as particle board, homasote, or OSB (oriented-stranded board).

Another factor to consider for realism is the height of the layout. With model trains, tracks set waist high or chest high are easier to work with and add realism.

Effective Track Planning

Track planning is about prioritizing the features you want and then laying out a plan that meets your goals. A goal is to balancing realism with available space while adding features of interest. Some features to consider include the following:

Continuous Operation. Real trains don't run in circles, but it's a great advantage to having the option to run a train continuously in a small space.
Switching. Add switching to your continuous loop for variety.
Point-to-Point Operation. For realism and to make operations more interesting, consider some point-to-point track.
Turnouts. Consider siding, passing, facing-point, and stub-end. A stub-end near the edge of the bench makes it easier to park and move equipment to storage.
Changes in Elevation. But keep grades preferably at 2%. Remember that grade is the rise over the run (a 2 inch rise over 100 inches is 2%).
Landscaping. Allow real estate to add realistic landscaping.

In summary, good benchwork and effective track planning will pay off immeasurably with your HO scale model train layout. For best results, start with the planning and then move to building. Identify your priorities, consider alternatives, get external feedback, and create your designs before you start nailing, and you'll be pleased with the results.

Bankruptcy And Student Loans

During college, many students rack up enormous amounts of debt in the form of student loans. And although many private student loans that are credit based may be eligible for discharge during a bankruptcy proceeding, those loans that were obtained from the United States Department of Education do not qualify for discharge under the U.S. Bankruptcy Code. If the majority of your past due and delinquent debt consists of student loans, bankruptcy is usually not the best option.

Better Options For Student Loan Borrowers

Bankruptcy can represent a new beginning for many borrowers, but the effects of filing bankruptcy can be felt on your credit file for as long as the next decade. Although many borrowers, especially students with massive amounts of student loan debts, often feel that there is no other option or that there are other alternatives, managing your student debt can be accomplished in other ways.

Forbearance and Deferment Options

Once you have graduated and received the last degree that you will be working on, most student loans are written so that you must begin repayment after six months. However, if you are unable to find work, there are ways to get around paying on your student loans until you become gainfully employed. One such way is through forbearance. During forbearance, your student loans will continue to incur interest, but you will not be required to pay.

Forbearance can give you a reprieve from paying on your student loans until you are better off to do so financially; however, forbearance will only be granted for a short period of time and a limited number of times over the life of your accumulated loans.

A better solution to forbearance of your student loans may be deferment, which is an entitlement under the U.S. Department of Education. Deferment is much like forbearance, although in certain instances, interest may not continue to accrue, although that fact differs from lender to lender.

Student Loan Consolidation

Another option is student loan consolidation. As a student loan borrower, you no doubt have multiple loans with multiple lenders or servicers, which means that you will make multiple payments. During student loan consolidation, student borrowers can consolidate the entire bulk of their student loans into one big loan with one monthly payment that better meets their financial ability to repay their student debt. You can consolidate both private and government student loans.

Defaulting on Your Student Loans

Managing your student loan payments may be difficult, but by actively working with your lender or consolidating your student loans, you can get through the repayment period and get on with your life and your career. The outcome for those who do not take repayment of their student loans seriously is grim. The U.S. government can seize any income tax refunds that you are entitled to, and can actually garnish your wages at your future place of employment.

Additionally, your credit rating will bear the scars of defaulting on your federal student loans for many years, and you will always owe the government (and the government always collects). The only way to have your loans completely discharged is if you become legally disabled.

Commercial Leases - What You Need To Know

Many people think that leasing for commercial purposes are easy as cooking rice. But in actuality, it is far from easy. When renting for commercial purpose, you have to consider lots of things. A commercial lease is also a very important factor to the success of your business. Your lease in a building can also be considered an investment for you. In a commercial lease, you might just want to lease a floor in the building, a stall in a mall or for big business, you might want to lease the whole building.

When signing commercial leases, there are terms that you must be familiar with first and you also have check the details of the lease. You must ask questions and you should also make changes and suggest so that the lease agreement is both beneficial to you and your landlord. Here are the terms you must be familiar with:

The use clause This clause is placed in the contract to protect the property you are renting. All the things you can and cannot improve or remove in the building can be found in this clause. You must be very careful in checking this part of the contract because it will greatly impact your business especially if the ambience or environment of your place will impact your salability to the customers.

The exclusivity clause Having a competitor in front of your stall is not good for your business. In the exclusivity clause, you can include an exclusivity clause wherein it would say that a competition in your kind of business should not be positioned near your stall. This is usually the case when you are renting a stall in the mall or a compound where there are lots of stalls available for commercial leases.

The premises The lease contract should clearly state and defined the premises included in your lease. Also ask your landlord to include the common area, if there are any, in the premises you are leasing.

The security the security of the building is a big concern for businesses. The lease contract must clearly state who is responsible for the security of the building. If the building is big and constitutes lots of floors, the lease should specify which part of the building is the concern of the owner and which is the concern of the leaser.

Clarifications on the renewability of the contract should also be asked from the landlord but does not necessarily have to be included in the lease contract. It is important that the leaser knows if he will be able to renew the lease to the property so that he can make plans ahead. Resolution for disputes over the lease of the property should be included in the lease contract. This way, the landlord could not just evict the leaser when disputes occur.

Terms and conditions regarding the lease of a commercial property may be a little confusing if you have no knowledge of some legal things. If so, then you must consult a legal advisor on this matter.

High Risk Auto Loans

It is one of the things people need the most, a car. Without a car your whole world stops and you are at the mercy of friends or public transportation. So what if you need a car but your credit is bad? Is this where you stop and give up hope? The answer is no, even those with bad credit can obtain transportation.

There are many lenders to choose from when trying to find someone to finance a car when your credit is bad; the key to finding them is research. The name of those who will lend you money for a vehicle even though your credit is bad is high risk auto lenders. They usually require more information than traditional lenders and they usually sport higher interest rates but in the end they will loan you that money for a vehicle.

It is usually easier to purchase a newer vehicle with a high risk auto loan because the lender wants the vehicle to be worth the chance they take. If the vehicle is newer the resell value on it is higher and thus the risk is lower. So not only are your chances good that you may walk away with a vehicle but probably a better one then you originally thought.

One of the things to consider when taking out a high risk auto loan is that the interest rate will be higher then a bank loan. This is the price the consumer pays for the loan company taking a chance on them. Sometimes interest can be as high as 29 or 30 percent which drives the payments up as well, but once again it is a high risk loan and this is one of the catches to having to take one out.

Another issue for those who are taking out a high risk auto loan face is having to make higher down payments. Again this just ensures the loan company that you are fully invested in the purchase of the car. Of course a higher down payment will also lower your regular payments to some degree too so it may not be such a bad idea after all.

So anyone can purchase a vehicle no matter what their credit, it is just a matter of doing the research to find the right loan for you.

Joaquin Phoenix's Best Performances

There are many actors who would go as far as to say that playing oneself is the hardest part an actor can play. In the case of Joaquin Phoenix, he played "himself" over the course of a year. Remember back in 2009 when the actor sat down on late night television host David Letterman's couch? He came out in sunglasses and with a beard so scraggly he could be confused for an animal in season. The interview itself was entirely curious as well. The one word answers befuddled even the astute interviewer Letterman, and the media was quick to label Phoenix's appearance as the sign of a meltdown. Phoenix is more prone to this kind of media attention, thanks to the circumstances of his actor brother's death, River. Of course, it turned out it was all a hoax. Phoenix hired Casey Affleck to make a documentary about Phoenix's supposed "meltdown," but in the end it was a parody of celebrity culture. Critics were less than amused by the results, and gave the documentary, "I'm Still Here," mixed reviews. Phoenix is not used to such mixed reviews when he's playing other characters though. Here are the five best performances of the actor's career.

Gladiator
Russell Crowe may have won the Oscar for playing the hero in this sandals and swords classic, but Joaquin Phoenix's
turn as the venomous Roman Emperor Commodus is the real star turn. Commodus is a complicated character, filled with envy, weakness and lust for his sister. Phoenix explores all facets of the power hungry emperor, and turns him into one of the most human villains in recent cinematic memory.

The Master
Director Paul Thomas Anderson seems to have a way with actors, and with "The Master," he guides Phoenix to the best performance of his career. Phoenix plays Freddie Quell, an alcoholic soldier who is seduced into a cult by the wily ways of its charismatic leader. Freddie may seem like little more than a drunken buffoon at first glance, but Phoenix transforms him into a tortured, animalistic and confused man, lost in post WWII America.

To Die For
In his breakout role, Phoenix plays a high school stoner who starts a relationship with the twisted local weathergirl (Nicole Kidman). Phoenix is different in this film than in most: Goofy and relaxed. This may not be his most iconic performance by any means, but it does display his versatility.

Two Lovers
Phoenix has paired with director James Gray more than any other director. Their 2008 collaboration, "Two Lovers," is far and away their most successful. In this old-fashioned love story, Phoenix gives a remarkably restrained and truly touching performance as a suicidal man torn between the love of two women.

Walk the Line
Surprisingly, this remarkable actor has only two Oscar nominations to his credit, and only one leading nod. He earned it for his incisive portrayal of country legend Johnny Cash in the 2005 film "Walk the Line." While the film rarely rises above the level of average music star biopic, Phoenix's transformative turn makes the audience feel heartbreakingly close to the emotionally fragile man in black.

Few actors would have possessed the skill to eclipse the shadow cast by an actor as skilled as Phoenix's departed brother. Joaquin Phoenix has gone a long way to do, and has established himself as one of his generation's finest actors.

Invest in the Real Estate in Calcutta

This is a fact that Calcutta is running behind the other metropolitan cities in India in many aspects but this is not the same as far as the real estate industry of this city is concerned. The real estate market of this city is real somehow more stable than the other metropolitans in this country. Even many people want to have this as a profession and want to be Real Estate agents in Calcutta. The value of the real estate property is no doubt very stable and it is really very tough to speculate anything. The property value in this city can never be speculated. Nobody can even say that the industry is hampering any person as well. While going through any such dealings with real estate industry that is to buy Apartment and Flats in Calcutta and Sell Houses in Calcutta a person will definitely get some benefits. It is really a very advantageous as far as the business is concerned as a stable business always captures the investors' attention in a very reasonable point of view. The real estate industry of the city really evokes the attention of numerous investors just because of the fact that this is really a very stable one. If anybody interested in investing some money on any specific property in Calcutta then it can be assured that this is going to be a very safe deal. According to many dealers any such real estate dealing is really beneficial for any investor.

Calcutta real estate business is no doubt the safest. This is a fact that if you want to get a very heavy return then does not try to get any property in Calcutta as it can never fulfill your demands as far as the profit making is concerned. But sat the same time it can be assured that such a property Calcutta will never make you run in loss. This is a very stable real estate sector. The property value in this city is no doubt a little lower than any other city so better to invest for the stability not for any huge profit making. Even it is also very easy and profitable to Rent a houses in Calcutta. The risk of loss is also very in the real estate business in this city just as the city does not assure you to give you a huge profit. As far as the property value is concerned in the city of Calcutta the price is very low that may be commercial properties, residential real estate or retail outlets. Both the capital values and the rental values are more or less very low in Calcutta than the other three metropolitans in India.

Through out the passing passage of time the investment property in Calcutta is really6 rising very high and this can be a very appreciable news for any investors who are interested in the properties of Calcutta or even have already invested a large amount of money in this city. The real estate developers have turned out to be very active and they are trying hard on various issues so that the price can be increased in the property sector of this city. There are various projects that are developing ion a very successful way in this city and not even the country men but a large amount of NRI people are also showing their interest in the real estate business in the city. They really find the properties of Calcutta very lucrative which is no doubt huge enlistment in the industry. There are really some extraordinary projects going on in the heart of the city.

Biggest Money Mistakes - Personal Finance Basics

People make mistakes all of the time when dealing with personal finances basics. Some of the most wealth people in the world make mistakes, people in the middle class make mistakes and the poor make money mistakes. It is an almost unavoidable issue. The more poor you are, the more those mistakes can hurt you. What are some of the money mistakes people make? Let's learn more why this happens.
1. Neglecting Your Credit Scores
Credit scores or ratings are more pertinent today than ever, especially today with all kinds of people defaulting on their debts. Money lenders are incredibly cautious about to whom they will lend money.
Banks often look for low-risk customers. If you have a great credit score of 750 or above, banks will do almost anything for your business. A good credit score also means that they will give your excellent rates on mortgages, vehicle loans, personal loans and credit cards. Insurance brokers and possible landlords often times use credit ratings to determine potential applicants, for this reason it is crucial to maintain your credit.
Do you know your credit? There are many resources that can give you an idea of where you stand.They will help with your personal finances basics.
2. Carrying Credit Card Debt
If you carry a balance on your credit card you will end up paying ridiculous interest rates but you may also be affecting your chances to get a mortgage or some other type of loan , plus you are lowering your credit rating. If you hope to fix your personal finances you must eliminate any or all credit card debt. If you need help in eliminating your credit card debt get it.. Leverage is important for you if you want to get a loan and you need to have good credit. The more quickly you eliminate your credit cards the less likely you will ruin your rating.
3. Too Much Home or Auto Debt
In an ideal world you should never exceed thirty percent of your gross income when it comes to how much you are paying for your mortgage. On that same train of thought, how much you pay in transportation expenses should never be greater than 10% of your income (that includes insurance, fuel and repairs). If you are paying more in one or both of those categories, you are likely paying too much with regards to home or auto debt.
What should you do? You may need to rethink your living arrangements. If you are unable to afford a home or apartment that has a 30 year fixed rate mortgage, you can't afford the house. If you are unable to pay the sixty month loan for a vehicle, you should be driving that car. These are easy personal finance basics you must know.
4. You Tapped Into Your Emergency Fund or You Don't Have an Emergency Fund.
The importance of having cash in hand has become increasingly valuable with each passing day. You should have an emergency fund. It can assist with paying for unexpected expenses such as car maintenance and it will even cover your bills if you lose your job. Most people aim to create an amount that will cover 3 months living expenses. If you have a family that fund should cover six months. Clearly the more, the better. If you don't have an emergency fund, it's time to start making one. A way to get started is to have a goal of creating an amount of ,000 and then increase it to more.
Making mistakes with your finances is often inevitable. The less often you make those mistakes the better off you will be. If you are able to avoid these four crucial mistakes, you will start to enjoy the financial freedom you desire. Trying to live within your means, keeping on top of your debts and your credit are the personal finance basics you must take care of. If you start to set goals and tackle one of these things each month you will be rewarded financially more quickly then you think.

Advantages Of Filing For Bankruptcy

Bankruptcy is declared by a court and is a situation whereby a person or a business is unable to pay their outstanding debts. The court will then appoint a trustee who will take charge of any property the person owned after the declaration. The trustee is charged with the responsibility of selling the property and paying the creditors, probably based on the order of occurrence of the debts or any other basis. The advantages of doing this are many.

A creditor would follow up on their debtors until they pay. The debtor may however not have the money to pay the creditor, so it does not make much sense following up on someone who does not have the money to pay the debts. Being declared bankrupt prevents creditors from bothering and harassing the debtor for their money.

A debtor is able to protect their property due to this declaration. Normally each creditor would want their debt settled first, so when they go to court and win the case, the debtor is required to pay. The creditor can take the property and sell in order to regain their money. When one is declared bankrupt, the creditor cannot simply reclaim the property from the debtor but the trustee is in charge of settlement of the debts. In addition there are specific items that cannot be sold during bankruptcy to settle debts. This property is thus safeguarded.

The credit score of an individual who has many debts is usually very low. The person therefore is not able to access credit from different financial institutions. When a person is declared bankrupt their credit score is improved after some time since the debts that one may have had are declared null and void. One is able to build their credit again from scratch.

Every person requires a fresh start when things do not go well. After someone is bankrupt, some of their property is sold to settle their debts. Debts that may be outstanding after that are considered null and void. A person is able to begin a new life without any debts.

Before a person files for bankruptcy, they have to evaluate all available options and settle on the option that best suits their needs. One should also be aware that some obligations cannot be cancelled, such as alimony payments, income taxes, and child support among others. Being declared bankrupt may therefore be the best decision that an individual makes or the worst decision that they make.

Planet Wealth Scam

Planet Wealth is an independent investment company that is run by a group of private investors who have a long history of experience and success with stock market investing. Many people are under the impression that most investment services like planet wealth are a scam, so I decided to do some homework on planet wealth to find out whether or not they were in fact a scam or actually offered a reliable investment service. Over the past year, I have researched the planet wealth trades and results, and 3 months ago I joined the "Renting Australian Shares" subscription service which has enabled me to gain a good overall picture of how planet wealth operates.

How Does The Planet Wealth Service Work

The planet wealth professional traders use six stock market strategies for investing. Planet wealth traders actually invest their own money and trade in all of these six strategies, which I believe really says something for the honesty of any investment company... any company who does not actually invest their own money in the strategies they are providing to members is more than likely a scam in my opinion, planet wealth walk the walk so to speak.

When you join one or more of these six strategies, every time planet wealth traders identify and place a trade on their own account, you will be sent these trade details by SMS and Email immediately. It is then your choice to place the same trade using your stock broker. If you do not have your own broker, planet wealth will provide you with a list of their recommended brokers, which I would strongly suggest doing, as these brokers know the exact trade that planet wealth have just placed, and you can basically tell them to copy the same trade.

Alternatively, you can use a free service provided by planet wealth called Auto-Trader. This service is a great option for people who wish to have their stock portfolios placed on virtual auto-pilot. The way it works is this... When you join up with the planet wealth stockbroker who runs the auto-trader service, simply let the stockbroker know that you would like to use the auto-trader service with your account. When planet wealth traders place a trade on their own account, this trade will automatically be placed on your account at the same time. This effectively means that you are placing the same trades as some of the most experienced traders in the world without actually having to lift a finger... sound too good to be true? I can guarantee from experience that this is no scam, this service is 100% free with your subscription to any of the six strategies. Each strategy will only cost you US per month, and you can join one or more strategies.

The Planet Wealth Strategies

Renting Australian Shares Strategy - Focuses on creating a consistent monthly income by renting out the shares we own on a monthly basis, while having our capital insured at around 80%.

Renting US Stocks Strategy - Basically the same as the Australian strategy, but requires a smaller amount of capital, due to the minimum amount of stocks required to purchase... 100 stocks in the US, compared to 1000 shares in Australia.

Share Purchase Plan Strategy - This is a strategy not widely known, or used by the majority of investors. This strategy can produce some very profitable results and is designed to make regular income, with very limited risk using a small amount of capital.

Protected Equity Strategy - With this strategy our risk is "fixed" with every trade while the profit potential is unlimited. The beauty of this strategy is that we use the leverage of 100% finance to buy our stocks. All stocks are then insured which guarantees we cannot lose money from a share price drop.

Options Spread Strategy - This strategy has a fixed risk & fixed return for every trade. The minimum target 'Return on Risk' is 40% per trade, and it is common to see returns for successful trades in the 60-90% range.

US Option Trading Strategy - This strategy has a reasonably high risk factor, but can produce some massive profits. Only a small bank is required which makes this strategy a great diversifier for your portfolio.

After being a member of planet wealth for a number of months, and analysing their trades and results for the past 12 months, I can genuinely say that I do not believe planet wealth is a scam of any kind. I have always received fast replies to any questions I have asked, and they seem like a company who stand behind their product. My personal results have made me truly excited about my future in stock market investing, as I now use the same trades the professionals are placing, and I no longer have to leave my investing choices up to pure chance, luck or hope.

If you use the auto-trader service with any strategy for 12 months and fail to make more profit than you have paid in subscription fees, planet wealth will refund 100% of your subscription fees without question. This in itself proves very well that that Planet Wealth is not a scam.

Panic Attacks, Guilt, And The Personality Of Your Superego

Guilt can be absolutely crippling for anyone, but it hits panic attack and anxiety sufferers particularly hard. We're so darned tough on ourselves, and hold ourselves accountable for so many things that simply aren't fair or reasonable. And that makes guilt a major obstacle to overcome when it comes to recovery. Well, let's have a look at this toxic phenomenon.

In any effort to examine guilt, Sigmund Freud and the psychoanalysts would submit one has to consider the superego; in effect, our active conscious. On the other end of Freud's structural spectrum is the id, home of our primal wishes. For the record, according to Freud, the interplay of the superego and id is managed by the ego. Now, some theorists would propose that one's superego can have, shall we say, a personality of its own; which can range from very easy-going to tough-as-nails. And within this context it would only make sense that a mentally/emotionally healthy person's superego would lend a hand in feeling good about self. Yes, this particular superego, like a good parent, would administer discipline when one has thought or behaved badly; and the punishment is generally delivered in the form of guilt. But when the individual makes sincere attempts at making-right their transgressions, the superego awards due credit and forgives. This is the psychoanalytic dynamic of self-forgiveness.

It would follow, then, that the tough-as-nails superego isn't so nurturing, as it pounds the individual with massive portions of guilt for a multiplicity of supposed offenses, causing one to constantly and desperately seek shelter. And each futile attempt at lightening the burden of guilt is greeted with truckloads of shame, instead of relief. Theoretically, it's this dynamic that greatly inhibits any sort of making things right, and, ultimately, leaves the individual horribly trapped in infinite doses of self-disapproval and internal self-assault. Individuals with superegos this brutal are forced to find some way, any way, of relieving their overbearing burdens of guilt and shame. Sadly, this is accomplished by a variety of very unpleasant internal and external methodologies; the bottom-line being an extremely long and tragic life, suffocating in harmful thoughts, feelings, and behaviors toward self and others. Taken to the very extreme, physical harm to self and others may be an ultimate reality.

Now, the cognitivits, led by Aaron Beck, would agree with the psychoanalysts that guilt is a very powerful and potentially harmful emotion. They submit guilt is grounded in all matters real or perceived; and it's highly influenced by genetics, life-experience, and learning. According to the cognitivists, one of the foundations of guilt is negative self-thought. That said, the guilt-ridden individual generally turns blame for unfortunate circumstances inward. Yes, though the behavior presentations associated with guilt hold the potential to be significantly outwardly harmful, it seems most of the harm is inflicted upon self. Any harm inflicted upon others is less directly aggressive, and more resentment or passive-aggressive based.

Well, for panic and anxiety sufferers, here's the bottom-line. No matter what kind of personality your superego may happen to have, your first step in whipping guilt is to become proactive in making things right with yourself. Only then is it time to make things right with others. If, indeed, the task at hand involves another party, approach him/her and offer a sincere apology. If some sort of debt has been incurred, suggest and work out a settlement; and make sure you hold up your end of the deal. Then, move on with your life in an enlightened and recovery-driven manner. True friends and true loved and loving ones will gladly accept the sincerity of your thoughts and words, and the action backing them.

But, please, don't ever forget to settle accounts with yourself. And now that you have insight into how absolutely cruel we can be to ourselves, and why; you may want to consider taking your circumstances to a therapist for resolution if you're having a tough time pulling things together. Guilt can be absolutely crippling for anyone, but it hits panic attack and anxiety sufferers particularly hard. We're so darned tough on ourselves, and hold ourselves accountable for so many things that simply aren't fair or reasonable. And that makes guilt a major obstacle to overcome when it comes to recovery. Well, let's have a look at this toxic phenomenon.

In any effort to examine guilt, Sigmund Freud and the psychoanalysts would submit one has to consider the superego; in effect, our active conscious. On the other end of Freud's structural spectrum is the id, home of our primal wishes. For the record, according to Freud, the interplay of the superego and id is managed by the ego. Now, some theorists would propose that one's superego can have, shall we say, a personality of its own; which can range from very easy-going to tough-as-nails. And within this context it would only make sense that a mentally/emotionally healthy person's superego would lend a hand in feeling good about self. Yes, this particular superego, like a good parent, would administer discipline when one has thought or behaved badly; and the punishment is generally delivered in the form of guilt. But when the individual makes sincere attempts at making-right their transgressions, the superego awards due credit and forgives. This is the psychoanalytic dynamic of self-forgiveness.

It would follow, then, that the tough-as-nails superego isn't so nurturing, as it pounds the individual with massive portions of guilt for a multiplicity of supposed offenses, causing one to constantly and desperately seek shelter. And each futile attempt at lightening the burden of guilt is greeted with truckloads of shame, instead of relief. Theoretically, it's this dynamic that greatly inhibits any sort of making things right, and, ultimately, leaves the individual horribly trapped in infinite doses of self-disapproval and internal self-assault. Individuals with superegos this brutal are forced to find some way, any way, of relieving their overbearing burdens of guilt and shame. Sadly, this is accomplished by a variety of very unpleasant internal and external methodologies; the bottom-line being an extremely long and tragic life, suffocating in harmful thoughts, feelings, and behaviors toward self and others. Taken to the very extreme, physical harm to self and others may be an ultimate reality.

Now, the cognitivits, led by Aaron Beck, would agree with the psychoanalysts that guilt is a very powerful and potentially harmful emotion. They submit guilt is grounded in all matters real or perceived; and it's highly influenced by genetics, life-experience, and learning. According to the cognitivists, one of the foundations of guilt is negative self-thought. That said, the guilt-ridden individual generally turns blame for unfortunate circumstances inward. Yes, though the behavior presentations associated with guilt hold the potential to be significantly outwardly harmful, it seems most of the harm is inflicted upon self. Any harm inflicted upon others is less directly aggressive, and more resentment or passive-aggressive based.

Well, for panic and anxiety sufferers, here's the bottom-line. No matter what kind of personality your superego may happen to have, your first step in whipping guilt is to become proactive in making things right with yourself. Only then is it time to make things right with others. If, indeed, the task at hand involves another party, approach him/her and offer a sincere apology. If some sort of debt has been incurred, suggest and work out a settlement; and make sure you hold up your end of the deal. Then, move on with your life in an enlightened and recovery-driven manner. True friends and true loved and loving ones will gladly accept the sincerity of your thoughts and words, and the action backing them.

But, please, don't ever forget to settle accounts with yourself. And now that you have insight into how absolutely cruel we can be to ourselves, and why; you may want to consider taking your circumstances to a therapist for resolution if you're having a tough time pulling things together.

There's no reason to accept domination by guilt. Except, of course, if you elect to do nothing about your situation.

Plan Your Monthly Personal Budget Using Excel Spreadsheet

Plan your monthly personal or family budget without help from any tools should be a difficult task for you. The easiest way to plan your budget is to use help from Microsoft Excel. Use the following steps to create your own personal budget in excel spreadsheet :

1. Write down your daily expenses in one month period
Create four columns and label them with name "Date", "Description", "Category", and "Amount". Start filling the columns with your daily expenses. You can write any description for your expenses. Categorize it based on your defined category, and fill the amount of that expense.

2. Summarize your expenses
Create new columns and summarize your daily expenses into category where you have to use excel function to sum your daily expenses based on their category. Name the new columns with name "Category" and "Expenses". You can create it within the same spreadsheet or in separate spreadsheet.

3. Add budget column
Add a new column next to Amount column in step 2, and label it with name "Budget". Fill your "Budget" column with the same amount with "Expenses" column.

4. Subtract your monthly income with budget and expenses
Sum the total amount of your "Expenses" and "Budget" columns. Create new rows below "Budget" column, and label it "Income" and "Saving". Input your monthly income, and then in "Saving" cell subtract Income with total amount from "Budget" column. If the result is positive, you can use your expenses as your budget reference. If it is negative, you need to adjust your budget where you think you can save the expenses of that category, and try to commit on this budget on the following month.

You can follow those steps above to simplify your monthly personal budgets, or you can also find some personal budgets created in excel available in internet to ease your plan.