Tuesday, December 31, 2013


Buying something or bidz auction on internet is popular, especially in United States since it is easy, quick, and convenient. One of popular web auction is eBay. As per experience of me and friend, there are so many benefits to bidz auction on eBay.

1. We agree that eBay isn't like a traditional retailer; eBay is the online web auction. EBay has an unlimited number of products to select from such as properties, houses for auction, real estate, cars, merchandise, clothing, toys, pet supplies, home dcor, entertainment items, plus more on eBay.

2. When you bidz auction or shopping on eBay, so you have many sellers to buy from. Because of so many auctioneers are selling the similar products, you should have the choice to choose who you want to do business with. When buying a product online, for instance accessories for cars, particularly one that is offered for sale by a variety of sellers, you should examine product costs, shipping and handling costs, as well as each seller's feedback. Doing so will make shopping on eBay a positive experience for you.

3. Bidz auction on eBay is easy. Should you be an eBay buyer, you need to create a free eBay account. That account will help you buy on eBay. Thoughts is broken a registered eBay member, you can easily start searching for products that you would like. For instance, should you be looking for particular accessories for car, you can just type the Car GPS and Garmin into eBay's search box and you should be presented with a number of auctions which have your Garmin Car GPS available.

Actually, if you live not sure as to whether or not you wish to start shopping on eBay, you should at least examine it. EBay guests can navigate the website to get a taste of what items can commonly be found for sale on eBay. With a large selection of products, several sellers available, and ease of use, there is a good chance that you might find yourself doing the bulk of your online shopping on eBay. And, if you end up doing so, you will definitely not be alone.

Monday, December 30, 2013


One of the websites that deal with all popular brands at a very cheap rate is DHGate. This website has attracted the customers from all over the world because of their low prices. Several consumers have given complaints about the products that they have been refurbished or been shipped in a broken condition etc. Though several people produce complaints, there are some people who show interest in buying the products from DHGate. In order to do a safer deal, you need to follow certain basic tips before buying. The following are the basic tips that are to be followed before buying any product. They are:

1. You need to do some research about the service provider whether they are genuine and ship the item after payment has been done.

2. If you find out positive results about the service provider then you need to check with the seller. There may be several genuine sellers and at the same time, several bad sellers will also be available. It is fully based on the feedbacks about the sellers. It is recommended to the avoid buying products from the seller with no feedbacks.

3. You need to check with the item description and read it carefully before buying.

4. To be in a safer side, always check with the money back guarantee facility. If there is no money back guarantee facility then it is recommended to avoid the product from buying.

5. The most important thing in which you need to note is the payment processing system. Be sure that you are protected with your payment. Some of the sellers will request you to pay through wire transfer or western union money transfer. All these transactions do not have any guarantee that the seller will ship your product. If any such sellers request you to do such payments, you need to avoid buying from those sellers.

6. Always use PayPal or credit card for payment where you can easily find a
solution on seller fraud.

Friday, December 27, 2013


Payday is a week away and your phone bill is a week past due: if you don't pay the bill, your service will be turned off and you may lose clients, as your job depends on telephone interaction. Clearly, you need to pay the bill--and fast. Could a payday loan be right for you?

When faced with such situations, many people do not know where to turn. Borrowing from friends and relatives can be embarrassing, and credit isn't always an option. In cases of real financial necessity, a payday loan can be a viable option. Because these advances are immediately available, they can bridge the gap between pay periods, allowing an individual to stay on top of their bills and credit. Although these loans come with high interest, they can provide a legitimate solution in the rare cases of immediate financial need. When treated as intended and paid back on time and in full, these types of payday advances can be of great assistance.

When it comes to payday loans, each company is different. In addition to different interest rates, payback periods, and fees, many companies utilize different mediums to grant their loans. The two primary types of loan lenders are online and onsite: online lenders provide quick loans over the internet, while onsite lenders, which are often called brick-and-mortar lenders, provide loans from a designated business site. Some companies provide both online and onsite services.

When choosing a loan lender, personal preference plays a huge role. Although many people appreciate and utilize the convenience of the internet, some are more comfortable with more personalized financial methods. If you are the type who likes traditional banking and desires face-to-face interaction, an onsite service is likely the best option for you. But if you are the type who wants quick-and-easy access to funds from the comfort of your own home, online loans are the best bet.

*Onsite payday loans take are granted by a lender in a face-to-face scenario. As you would in a traditional bank or DMV, at the loan office you will fill out an application, wait in a line, and meet with a lender when your turn arrives. The lender will take your application and verify your identity; if you meet the criteria, you will give the lender a post-dated check in the amount that you are required to repay. Before you leave the site, you will receive your funds via check, cash, or direct deposit.

*Online payday loans are granted via the web, thus they can be borrowed from virtually anywhere with WiFi. After filling out the application, putting in your banking information, and verify your identity online, you will be notified that approval takes up to 24 hours. Within this time frame, you will get your approval notice and within a business day the funds will be deposited into your account.

In both cases it is essential that you pay back the loan by the agreed upon date to avoid fees and extra interest. The post-dated check will be cashed in on the date indicated, so it is important to make sure that the funds are in your bank at this time. Depending on the immediacy of your need, your access to the internet, and your personal preference, an online or onsite payday loan can work for you.


Most of the times you fail to meet your expenses with your salary. You might need a home improvement; purchasing a new car can turn to be the main concern. Whatever be the need, the bottom line is that you require extra money. The best medium via which you can obtain some extra finance are personal loans where you do not need to show your income status. So personal loans no proof of income needed is the way through which a needy person can opt for some extra cash.

Insufficient cash and increasing expenses have always forced people to go for loans. These loans are the ideal ways to achieve extra finance. It is one of the easiest ways via which you can explore the things you demand, more within your reach.

Generally, there are two versions of this facility: Secured and Unsecured. Like any other type of secured form, this form is usually secured when you place security against the loan amount.

On the other hand, unsecured form is free from the collateral condition. This very feature of unsecured form removes the risk of repossession of your home by the lender, if you do not pay back the loan. However, this freedom comes with the higher interest rate.

Whether secured or unsecured, you should consider any of them only after being satisfied that it completely matches with your present monetary situations and requirements. Personal loans no income proof needed is really easy to adopt because lenders do not tally your financial condition at the basis of your income status. They do not demand the income proof for the verification.

The best way to opt for this credit option is to shop around and for this you can take the help of the internet. Online mode gives you easy way to perform some search without going out for anything.

Monday, December 23, 2013


Everyone wants the best, reliable, dependable, most steady insurance company and with that description AGI Renters Insurance fits perfectly. It has become well-known in the industry because of the excellent service they provide and for the true dedication they have been committed to. This is helping their clients when they best need them. Sometimes we think we have got the best deal out of an insurance company only to find out that they are only as good as the contract states. When the time comes for you to speed up the processing of your claims or you need assistance with all the documents, they seem to disappear and you cannot get a hold of your agent, unreachable contact numbers, unresponsive or it takes weeks before they get back to you. With AGI Renters Insurance, this is no issue.
Apart from the fact that they have excellent customer service, AGI Renters Insurance is providing cheap insurance with the same coverage as their competitors. You may find other insurance companies also offering a low rate but you must check out the coverage that is being given to you. At a glance, you see the difference they will tell you that you get what you are pay for which is not the case with AGI Renters Insurance. They can afford to give you a lower rate and the same benefits, this is their strategy of attracting more clients to stay with them for longer periods of time. Coupled with an excellent service, clients are satisfied with this loyal company. This is how they have come to be the leading and most well-liked renters insurance company.
AGI Renters insurance can help you sort out what type of renters insurance policy coverage you need. Their agents can guide you through the process so you will have a better understanding of what you really need so you can arrange a suitable budget for you. The typical renters insurance policy covers your house or apartment's content. List all your valuable items so that you will not have a hard time remembering what personal belongings you have insured. Another tip is to write down how much each item cost you and it would be much better if you still have the original receipts that you can attach to your list. They will also inform you of things that you need to know about your coverage such as the policy limits, perils covered, and other options (riders, endorsements or separate policy coverage). If you would like to cover other items that are above the policy limit, they will suggest that you take a rider so that those particular rare collections, high value jewelry or artwork can be covered. Normally, perils like Earthquake and Flood are excluded in a basic or standard renters insurance policy. If you are renting an apartment in an area that is prone to the mentioned perils then it would be recommended that you get an endorsement or additional coverage for such perils. Actually, you can qualify for their discount program that is given to individuals who have multiple policies with AGI.


In Event of Foreclosure

Foreclosure of a mortgage typically extinguishes all claims to the property. In other words, if you've negotiated a lease and started a business, your right to use the retail space is terminated by foreclosure unless there is a separate agreement.
Will Lender Cancel?

In many cases, the lender has a defined period of time to reject leases or they are assumed to remain intact. Further, lenders often want to retain the leases and tenants to make the property more salable. However, if the rental rate for a lease is well below market rent, and the tenant is clearly successful, the lender would likely terminate the lease and require the tenant to negotiate a new lease at market rent.
Negotiating From a Position of Weakness

The tenants negotiating position is much weaker than it was when he first negotiated the lease. The tenant has a successful business at this location. Changing the location of the business may damage or destroy the business. The tenant's ability to bargain and negotiate lease terms is a weak.
Nondisturbance Clause

Tenants can avoid this dilemma by obtaining an agreement that the lease will not be terminated by foreclosure. This is termed a nondisturbance clause. Landlords are reluctant to grant this concession due to the limitation it imposes on the landlord when obtaining financing.
Maintenance Standards

The definition of maintenance standards is often vague. A typical clause may read that "the landlord will maintain the property in a manner consistent with local practice and a prudent owner".
Personal Guarantees

Landlords love personal guarantees since they substantially limit the tenant's ability to abandon operations at the retail space. Personal guarantees should be avoided by tenants whenever possible. It is reasonable that the tenant repay the unamortized portion of any tenant improvements and leasing commissions if the lease is terminated early. Further, it is reasonable for a tenant to guarantee a minimal level of performance on a building built to its specifications.
Different Rules for Second Generation Space?

However, for second-generation lease space, it is reasonable to request that the tenant not be personally or corporately responsible beyond paying the unamortized portion of tenant improvements and leasing commissions. Although this is reasonable, it may not be possible. The strength of the local rental market and local practice will dictate whether landlords can extract personal guarantees from tenants.
Purchase Option

For single tenant retail buildings, tenants often want a right to purchase the building at a predetermined price. Landlords prefer to avoid this. A compromise is providing the tenant a first right of refusal.
Sublease Issues

Landlords want the tenant to make rental payments throughout the lease term, but don't want the tenant to profit from subleasing the retail space. In some cases, the tenant has the right to sublease the space subject to the landlord's approval. There's often a clause that the landlord's approval shall not be withheld unreasonably. There's also often a clause limiting the types of businesses which can sublease from the tenant. Sublease payments in excess of payments on the primary lease can be an intensely negotiated item.
Minimum Hours of Operation

Some retail centers require fixed hours of operations for each tenant. The concept is great. If a shopper visits the mall, they know each store will be open from 9 a.m. until 9 p.m. (or whatever the hours of operation). However, assume you expect to get 90% of your business between 12 p.m. and 5 p.m. In some cases, the minimal hours of operations are nonnegotiable. You may need to consider the excess hours of operations part of your occupancy cost.
Dedicated Parking

Dedicated parking is another issue where interests almost always diverge. Tenants love to have parking dedicated to their customers and landlords hate having parking dedicated to any one store. Peak traffic for a store may occur in a short period of time. However, the parking spaces are typically dedicated 24 hours per day. A compromise is the right to put portable signs in front of parking spaces several hours per day consistent with the tenant's peak hours of business.
Expansion Options and First Right of Refusal

Expansion rights and first rights of refusal are less typical for retail than for office. However, assume you are opening a small restaurant in a highly vacant shopping center. You're initially taking 1000 square feet of space but hope to expand the restaurant to five or 10,000 square feet of space. Having the right to take additional space at a previously agreed-upon rental rate and to claim additional space through a first right of refusal can be invaluable. Once the restaurant is successful, negotiating rental rates at a favorable level will be difficult.

For example, assume your restaurant has been operating successfully for two years and you expect to expand the restaurant during the next 12 months. Unfortunately, your landlord tells you he just leased the spaces on either side of you. A first right of refusal for additional space can allow you to avoid this problem. Consider whether the rental rate for the first right of refusal is the rate agreed upon by the landlord and the new tenant or a predetermined rate.

The Market Research and Consulting division of O'Connor & Associates provides information necessary to make decision to commercial real estate professionals. Occupancy and Rental Data, ownership and management information are routinely gathered for four major land uses multifamily, office, retail and industrial. This information allows investors to compare competitive properties, facilitate business decisions and track market and submarket performance.

Saturday, December 21, 2013


Delhi has always been a lucrative real estate destination for real estate developers, investors and professionals. Not only, as a real estate market by many investors and developers, but the place is also in demand by buyers. It witnesses people coming from different parts of the country and getting settled here. Even the recent economic slowdown has not been able to stop people from buying a house even at sky-rocketing prices in the most posh localities of the city.

Overcoming the realty market slowdown, the residential market seems to be swiftly rising up. The segment has got lots in store to offer the buyers, from New Projects to corrected rental values. Areas like Golf Link,Vasant Vihar, Chanakyapuri, Anand Niketan, Shanti Niketan, Niti Bagh are just to name a few that can boast of numerous latest projects by developers like Unitech, Omaxe, DLF, Parsvnath Developers etc.

Due to a higher standard of living and higher economy rate of people in Delhi, the property rates have increased exponentially.

The central Delhi has always been a hub of real estate activities in the city. South Delhi comes the close second. Though west, north and eastern zones of the city have so far been bustling with real estate activities but it's the central Delhi which has remained the hot cake of the Delhi property market.
A few of the most sought after residential localities and their average prices per Sqft:

Area-Property Type-Avg Price/Sqft(INR)-Avg Rents/Sqft(INR)
Golf Links-Apartments-40383-70
Jor bagh-Apartments-25702-106
Connaught Place-Apartments-24529-71
Vasant Vihar-Apartments-21489-48

While the Central Delhi is still the most preferred location for buyers as well as investors, it is the South East that has got the most economical locations to offer.

Area-Property Type-Avg Price/Sqft(INR)-Avg Rents/Sqft(INR)
Dwarka Sector 5-Apartments-3683-8
Uttam Nagar-Apartments-3049-9

Though, not really very posh or popular, the above localities do offer very low prices. Uttam Nagar, Dwarka, Mehrauli etc. have very low average prices for all the property types. Chattar pur, Dilshad garden, Rohini etc. can also be worth giving a thought. However, the economical localities are yet to visit development activities and have not yet made it in the developers' hot list but there is a gradual addition of new projects. Though a few of them do offer promising future e.g. Dwarka, Rohini, Chattar pur etc. which are still under constant development phase, and have quit a few new projects. And then there are localities that are not as posh as their counterparts of the Central delhi area, but still manage to have a reputation.

These localities, most of them near Central Delhi, are way ahead of the economical localities in terms of infrastructure and are priced well below the Central Delhi areas. Greater Kailash, Saket, Kailash Colony, Alaknanda etc. all are in the vicinity of areas like Golf Link, Hauz Khas, and Defence Colony etc. These can be a good option for the upper middle class and people who need their homes and localities to speak about their status, but without burning a big hole in their pockets.

Area-Property Type-Avg Price/Sqft(INR)-Avg Rents/Sqft(INR)
Greater Kailsash-I,II-Apartments-8884,9268-24,27
Kailash Colony-Apartments-9466-27
Maharani Bagh-Apartments-13831-49

Thus, proper market research is required before you plan to buy a property.It is important to have a clear picture of the type of home and the locality in mind before you can start working out the budget. Because, same house can be cheaper in a belittle area with loads of traffic than in a new development area with calm surroundings. Similarly, a semi-furnished apartment would cost lesser than a furnished individual house. So, in order to buy/sell/rent a property, a proper estimation of the property is required keeping in mind the two major price deciding factors: locality and type of property.


Guernsey has agreed to implement the OECD Exchange of information treaty and has signed an agreement with the UK. This allows HM Revenue & Customs (HMRC) to ask for the bank account details of any company that could be liable for income tax, corporation tax, capital gains tax or VAT in the UK.

Guernsey is one of the more attractive locations in the setting up of offshore businesses, as evidenced by the growing number of companies that have already contributed significantly to the economic growth of the region.

Guernsey is one of the top Channel Islands tax havens. The island changed to a 0/10 taxation system, in many ways similar to the Isle of Man. This means that from 1 January 2008, it has had a 0% corporation tax rate except for finance companies, which pay 10%.
In addition, on the payment of a dividend to a resident shareholder, the company will need to withhold tax at 20%.

Offshore Formations 247 can incorporate Guernsey companies with a choice of offshore bank accounts at the time of company formation. We work closely with a number of banks, including HSBC, and FBME bank in Cyprus. Combining the two saves time and couldn't be simpler.

Offshore Formations 247 are able to incorporate a Guernsey offshore company. Company formation normally takes 1 working day to register.

The identity of the beneficial owners of a Guernsey company may remain confidential if corporate shareholders are engaged to act as the shareholder on behalf of the ultimate beneficial owners. This confidentiality is maintained as long as the company and its ultimate beneficial owners are not involved in any criminal activity. Offshore Formations 247 can supply the use of our corporate shareholders for this very purpose. Similarly, the register of Directors within Guernsey is also publicly accessible and so if anonymity is required, Offshore Formations 247 can supply the use of Nominee Directors.
Guernsey companies are required to produce accounts for each financial year although these are not filed with any external bodies. Companies can obtain exemption from the requirement to have their accounts audited providing that they satisfy tests relating to net turnover, net balance sheet and the average number of employees.
Our Services Offshore Company Formation, Nominee Director, Nominee Shareholder, Mail forwarding and Bank Accounts

Offshore Formations 247 specialize in Guernsey company formations ranging from simple company registrations to complex structures including offshore Trusts and in providing a very comprehensive assortment of administrative services to Guernsey companies, including the provision of Nominee Director, Nominee Shareholder, Mail Forwarding and Bank Account services. We are also able to offer a 'transfer in' service whereby we can take over the management of your existing Guernsey Offshore Company, often for no cost at all.

Our specialist Guernsey company formation and company registration team:

Retains well-established affiliations with local company agents in Guernsey
Maintains an experienced staff with knowledge of legal requirements for company formation in Guernsey
Guarantees that all company filing fees and documents are up-to-date and notifies clients of all Guernsey compliance changes

Friday, December 20, 2013


As per bankruptcy rules and code bankruptcy filers are required to fill up a set of official forms as part of the legal module enacted to deal with individual debt problems and businesses. Bankruptcy courts have been designated for all districts across the country. These courts are headed by United States bankruptcy judges besides a judicial officer of the U.S. district court. Whether a debtor is eligible to file a bankruptcy or receive a discharge of debts is ultimately decided by the bankruptcy judge and the total administrative functions are handled by a trustee who is appointed to oversee the case. However, it is imperative for a bankruptcy filer to get proper personal bankruptcy advice prior to filing for a bankruptcy. The bankruptcy code outlines procedural requirements for a bankruptcy filing under either chapter 7, 11 or 13. When you are considering filing for a bankruptcy, you should have detailed information of qualification criteria under any of the aforesaid chapters. Here is a brief description of various bankruptcy filing processes.

Chapter 7 bankruptcy process:
When filing for personal bankruptcy, it is pertinent for you to know what is chapter 7 bankruptcy. A bankruptcy under chapter 7 entitles an applicant liquidation and discharge of personal liabilities through an orderly, court supervised procedure wherein the overseeing trustee takes over the assets of the debtor and converts them into cash to repay all the creditors. This excludes certain exempt property for which the debtor has a right to retain. Typically, a chapter 7 bankruptcy does not require the debtor to appear in the court and face the bankruptcy judge unless an objection is raised in the case by some creditor or creditors. But to qualify for a chapter 7 bankruptcy, a debtor must pass the Means Test.

Chapter 13 bankruptcy procedure:
If a debtor fails to pass the Means Test as mentioned above, he does not qualify for a chapter 7 personal bankruptcy but becomes eligible for a chapter 13 bankruptcy. However, chapter 13 bankruptcy laws are distinctly different from chapter 7 bankruptcy laws. While the debtor remains in charge of his property, he is required to repay his creditors in a time period of three to five years by proposing a plan that is approved by the creditors as well as the bankruptcy court. A debtor filing chapter 13 bankruptcy may have to appear before a bankruptcy judge to confirm the repayment plan through a formally arranged meeting at the office of the U.S. trustee which is called the 341 meeting.

Process for chapter 11 bankruptcy:
A chapter 11 bankruptcy process deals with small business enterprises which desire to continue operating their business. The bankruptcy code provides chapter 11 bankruptcy information, according to which the process entitles small business owners with a reorganization plan that is approved by the bankruptcy court 120 days after the business files for a bankruptcy, to repay the creditors. The court has the final authority to approve or disapprove the plan of reorganization. Thus, the debtor usually undergoes a period of consolidation and emerges with much reduced debts as well as reorganized business.


The term underground rapper first surfaced in the 90s. Back then it was used to refer to hip hop artists that were alternative in some way, shape, or form, be it through their beats or lyrical content. Today the term underground rapper still means more or less the same thing, but thanks to the Internet, the encyclopedia of underground rappers is enormous.

In fact, thanks to their originality and unique, cult-forming personalities, this writer would wager that underground rappers would sell as much if not more than the traditional hip hop artists that you see at the top of the billboard charts today if it weren't for the record label investment separating them.

That's an argument for another day. For now, let's compare two breeds of hip hop artist: the underground rapper of 2012, Insane Clown Posse (Not so Normal ICP), and one of 2012's most prominent mainstream hip hop artists, Jay Z.

One is from the Midwest, the other from Brooklyn, but both are urban dwellers, probably the most significant influence on their music making as hip hop artists. Beyond that, both are around the same age, both have media empires to their credit, and both rose to prominence in the 90s. One is married to a pop star, the others have quiet families of their own. Both are famous. Normal ICP (following mainstream society's definition of normal) is not a thing, but considering Jay Z normal is the norm.

When it comes to musical content, however, this hip hop artist vs. underground rapper matchup could not be between two more different opponents. Mainstream hip hop artist Jay Z does not always rap about material wealth or territorial pride, but he does quite frequently. On the other hand, underground rappers ICP don't cover any of that in their lyrics. Instead, they stick to thoughts on the darker side of life, but use their lyric to empower their Juggalo listening base.

Through these underground rappers unprecedented creativity, they have constructed stories and mythology that will encourage anyone to make sure they stay on the right path. Normal ICP, to them, is this.

Furthermore, ICP being underground rappers, they make sure that there is a point or moral to every story they tell. Some content may seem crude or vulgar, but as far as that content that doesn't have a more resonating message, the guys consider it a joke. Just like normal guys, normal ICP is to joke around from time to time.

More telling, they say, is their message to follow God and avoid hell, one location dramatically portrayed in many normal ICP songs. One will rarely, if ever, hear the guys in any normal ICP song spit rhymes about the newest shoes, cars, or chains.

The point is, when it comes to hip hop artists, you cannot use normal and ICP in the same sentence, and that's a good thing. Because normal and ICP don't align, they've created a movement that's bigger than they are, a refuge for the misunderstood to come and congregate. Because normal and ICP don't align, music fans that aren't attracted to normal hip hop artists now have an alternative. And even though normal and ICP can't really ever be used in the same sentence musically, these underground rappers have made it big time, and will probably be doing so for the foreseeable future.

Thursday, December 19, 2013


Encouraging kids to save money is an important thing parents should consider in their parenting plan. Although, it is not easy to make your kids learn all the money saving techniques, you can at least teach them few basic things that can make them disciplined money savers. The earlier you start, the better off they will be in saving and managing their finances. In this article, you will find some tips that help you encourage your kids to save money.

Money management from young age is very important
Unfortunately, money management is not taught in schools and colleges. As a parent, it is your responsibility to teach your kids about how to manage money, how to save it and how to spend it. Start teaching money management skills when your child reaches 5 or 6 years.

Majority of kids grow up without having knowledge on money management, saving and investing. Hence, these kids when they become adults start buying unnecessary stuff and become financially unstable- they are more like to get into debt. So, it is necessary that your child's upbringing is done in the right manner, giving right knowledge about money. Below you can find some simple ways to motivate your child to start saving money.

Let your kid start saving in piggy bank
Start teaching your kid to save money in piggy bank when he is 3-4 years old. This is one of the easiest ways to teach kids about saving money. Give small amount of money regularly to your kid and make him save regularly. This inculcates the habit of saving money. Also, kids enjoy saving money in their own piggy banks.

Set goals for saving money
Teach your child to set goals for saving. For instance, if your child wants to buy a video game, toy or a bicycle, you ask him to save money that he gets from you/your spouse or any other family member and buy it on his own.

Reward kids with non-monetary things
Consider rewarding your kid for saving money. Much like shopping stores which offer coupons and prizes, you can offer prizes to your child. For instance, if your child doesn't spend his saved amount for certain amount of time, offer him a small reward or treat. Praise him for saving money, so that he is motivated to save money in future too.

Teach the importance of saving money
As your kids are growing into teenagers, teach them about the value of money. It is necessary for them to know the importance of saving and spending money wisely. Later, tell them the reason behind parents going to work. They have to understand that you have to pay money for food, school fees, monthly bills, etc. Take your child with you while you are going to shop for groceries, pay for monthly bills, etc. Let them know that you have prepared budget for expenses and you will spend within that limit.

Saving money needs discipline and motivation. Being able to save money is an important life skill, which the parents should compulsorily teach their kids. Money management cannot be learned in a day or two. It is a lifelong process. You need to guide your kids on money matters till they are mature enough to take their own decisions.

Wednesday, December 18, 2013


Web hosting organizations that provide a connection, storage and services by means of a secure and hack resistant server using https and SSL certificates are regarded as to be a secured hosting service. SSL stands for secure sockets layer and is currently probably the most widely accepted protocol in world wide web security. SSL is utilized in conjunction with https, hypertext transfer protocol secure. Https encrypts communication over the net and secures the network web server. Secure server hosting can be a common theme among e-commerce web sites and other websites that accept payments of any form.

Credit card numbers and other extremely sensitive info might be given and transferred over the world wide web in a secure manner. When an internet user connects to a web site employing SSL, the secured server is asked to confirm its identity. This security measure was put in place to guarantee third parties cannot tamper with or eavesdrop on a secured web site, essentially stealing confidential data. In order for this to take place, the web users browser need to have the ability to accept SSL certificates. Currently, most internet browsers are set up to deal with confirmations by default including well recognized browsers like Net Explorer and Firefox.

When picking a secure internet hosting plan it can be critical to take into account storage space, disc space, information transfers, databases and operating systems. The server ought to have the ability to store and transfer information at rates suitable for the client as a way to maintain the site running at a steady and reliable pace. The operating system running the server, whether or not it really is Unix, Linux or Windows must also be regarded as. Other functions to check into are additional space and transfer, E-mail, scripting language, CGI-Bin (custom or prepared), Front Page (extensions for FP), IP Address (unique number), Log Files (line by line detail), Statistics (summaries) and functions included within the control panel.

Its also important to think about set up time. How long it will take to obtain a website up and going as soon as connection to the server has been established? Furthermore to set up time, price consideration is just as critical. What are the payment terms and how much are the fees? Make a checklist of ought to have functions and select a secure server hosting plan that consists of them all.


Exam takers often wonder whether exam security systems can be breached. As a provider of such a system, ExamSoft implements both cheating prevention and post-exam cheating detection systems. While it is impossible to know how many instances of potential cheating have been prevented, our staff and systems have been responsible for helping our clients identify or confirm cases of illicit behavior after the fact. This role is not always popular. In particular, we are often asked why we use techniques to "lock-down" laptops and prevent access to outside tools or applications. We use such techniques specifically because we are trying to help exam takers, including students and professionals.
Moving an exam from a pen-and-paper format to a computer-based format seems very natural, particularly in today's technology-centric world. However, it is fraught with challenges for administrators. ExamSoft seeks to give exam takers the benefits that come with technology, while satisfying the needs and concerns of the test administrators.

ExamSoft provides the opportunity for exam takers to leverage their own laptops and/or institutional computer labs (depending on the institutional client's choice) to take their exams. The idea is to give exam takers one or more of the following opportunities:

To type their essay answers rather than write them by hand; depending on the specific exam, this might come with certain computer-based tools such as cut-paste or spell-check
To receive score results more quickly than is typically possible with bubble-sheet or blue-book systems
To receive detailed, personalized exam performance feedback, to guide future study or personal development efforts (i.e. get personal emails)
To have their digital answer files regularly backed up during the test, to mitigate risks of potential data loss
To have exam questions that are evaluated/measured for validity and fairness
To test in a location that is as convenient as possible (as opposed to a remote, locked down testing center, for example)
To go green

The student or exam taker preferences often pose challenges for schools and other institutions. Exam administrators want to provide exams that are fair and valid. This means that they need to remain vigilant to prevent security breaches and find security vulnerabilities. It is a continual effort since there are always a small, but impactful number of people looking for ways to cheat or exploit any security system. Unfortunately, this means that the actions or potential actions of a few, impact the experiences of the many who simply want to study for and perform as well as they can, honestly, on their exams. ExamSoft's staff comes to work every day, trying to find ways to improve the experience for all exam takers, while also trying to stop the small number of cheaters from impacting the whole bunch.

If you ever encounter anything that might help us improve the user experience or security level, for the benefit of all exam takers, please let us know. We really want to help and we work to improve each day. We can be reached at or 954-429-8889.

Monday, December 16, 2013


Asian REIT Listings Generate Strong Investor Interest

On 1 March Reuters reported that KLCC Property Holdings Bhd (PINK:KPYHF), owner of Kuala Lumpur'slandmarkPetronas Twin Towers, was planning a restructuring, including a listing ofwhat will be Malaysia's biggest real estate investment trust (REIT). The move of KLCC Property Holdings highlights agrowing trend of Asian property trust listings which in recent months hasbeen generating strong interest among investors, particularly in Japan and Singapore.

KLCC Property Holdings Planning Trust Listing

Reuters reported that the trust, which is likely to be listed in April, will be three times bigger than the next largest Malaysian real estate investment trust. The agency quoted an unnamed source as saying that KLCC Property Holdings was looking at a market value of 10 to 11 billion ringgits (2.2 billion to 2.4 billion).

CIMB Investment Bank Bhd is reported to be the principal advisor for the deal, with Citigroup Global Markets Ltd acting as international financial adviser.

As noted by Bloomberg, KLCC Property Holdings is 52.6 percent owned by
Petroliam Nasional Bhd or Petronas, Malaysia's state-owned oil and gas company.

Stapled REIT

The new listed property trust is part of KLCC Property Holding's corporate restructuring which was unveiled in November 2012. The restructuring will create a stapled REIT by bundling existing shares of KLCC Property Holdings and units of KLCC REIT and is also intended to help boost profits on account of the trust's income tax exemption.

Reuters reported that KLCC Property Holdings has assets in excess of 15 billion ringgits, including the Kuala Lumpur's 88-floor Petronas Twin Towers.In November, Bloomberg reported that the two other buildings to be included in the trust would be Menara 3 Petronas and Menara ExxonMobil towers.

Asian Trend

The upcoming listing highlights the growing trend of real estate investment trust IPOs in Asia. In February, the Wall Street Journal (WSJ) reported that Mapletree Investments Pte, a real estate unit of Temasek Holdings Pte, was planning to raise .6 billion (834 million) in Singapore's largest IPO since March 2011.

The REIT market in Japan has also seen some successful IPOs, with the WSJ reporting that the country has benefitted from a recovery in commercial rental and property prices. Among the more notable recent listings was the float of Singapore's Global Logistics Properties Ltd (SGX:MC0) which in December raised .3 billion on the Tokyo Stock Exchange.

Thursday, December 12, 2013


I have been trading the forex market for over 30 years and have seen central banks intervene in all sorts of ways. In the wake of the recent global financial and economic crises, governments are taking a more active role in managing their economies. The following is written from memory and is an anecdotal history of forex interventions.

My first introduction to intervention was in 1977, soon after Japan allowed the JPY to trade internationally. I was running a bank dealing room in Singapore and would open a line to our Tokyo office to monitor that market (there were no screens in those days and forex trades were conducted by telex, telephone and voice broker. USD/JPY was trading around 310 at the time and the Bank of Japan (BOJ) would come into the market and intervene at a price for 0,000,000. This amount was large amount in those days and the BOJ would buy until it bought its limit. It would then pull its bid and renew it 2 big figures lower. If it held off the market, there would be a scramble to cover short positions ahead of the Tokyo close. I remember one time when USD/JPY was trading at 305.99-306.01, the BOJ being on the bid at 306.00. We has sold USD/JPY and got a running account on the telex from our Tokyo dealing room 15 minutes to the close, BOJ has bought 162 million 10 minutes to go, BOJ has bought 169 million, finally with 1 minute left the telex rang out change, 303.99-304.01. The BOJ reached its limit at 306 and then dropped its intervention level to 304.

Floating foreign exchange rates was a new business and central banks have gotten more sophisticated in their approach over the years. In the 1970s-1980s, they were still finding their way. It was then I learned not to base trading decisions on expectations that a central bank would be there via intervention to bail out a position. Major US banks had a direct line to the Fed dealing desk and would get calls asking about the market and placing orders, usually to smooth the price action. In those days the dollar was under pressure so most of the orders were to buy dollars. It was the early 1980s and I co-managed a trading operation for a commodities company. I had close relationships with many bank dealers and got call one day from a friend who was furious. The Fed had been in the market during the US afternoon each day for months buying dollars to cool speculation. This day, the Fed seemed to disappear and USD/DEM dropped several big figures out of nowhere. Where was the Fed? My friend, apparently caught the wrong way by the disappearing Fed, went ballistic and called to find out what happened. It turned out those manning the Fed trading desk went to lunch and forgot to leave the customary buy orders. I learned then never to count on a central bank top bail out a position.

The most noted intervention took place after the Plaza Accord, in September 1985, when the G7 got together in NYC and decided to weaken an overvalued dollar. The meeting was held in secret and caught the market by surprise, setting off a prolonged slide in the dollar. I remember getting the news at home looking at my portable quote machine and hitting the first usd/jpy bid I could find. The first reaction was one of those strange ones and the pair actually rebounded initially. I got out too soon once it started down again and have never seen that level again. With some hindsight, the clue to this intervention was that it was a coordinated effort.

It was less than two years later, in February 1987, that the G7 felt the need to put a halt to the dollar's slide. This led to the Louvre Accord, where the G7 agreed to stabilize exchange rates. All I remember of this time was a skeptical market and how much harder it was to stop a falling currency.

I don't remember the exact date but believe it was sometime in 1989 when European finance ministers met in Gleneagles Scotland over a weekend and announced support the falling dollar. I remember it well as we were short USD/DEM at 1.9850 in an environment where it appeared a safe bet to be short dollars. This weekend was not a safe bet. The surprise announcement saw the dollar gap higher. The first price we saw was 2.0850, a 10 big figure move. We were sick but fortunately not overleveraged. We stayed up all night and managed to trade out of the position with a small loss. Had we held on until the end of the week, we would have made money as the market renewed its attack on the dollar once it became clear the U.S. was not part of the agreement. Nonetheless, I never want to go through that experience again and recognized the pain that can be inflicted by a surprise intervention.

In 1992, the GBP was forced out of the ERM (European Exchange Rate Mechanism), where currencies traded within upper and lower bands vs. one another. Member central banks were required to support their currencies at the lower end of the band and vice versa at the upper end. The alternative was a revaluation or devaluation or an exit from the ERM. This was a famous incident where speculators attacked sterling and forced the UK to exit the ERM< which resulted in a near freefall in GBP. It is also an example of what could happen when intervention fails. In this regard, it seems the markets used to be more willing to test central bank resolve than nowadays, where they seem more content to be led by central banks. In the old days, intervention, especially if it was unilateral, was like waving a red flag in front of a charging bull.

I don't remember the date but believe it was in the 1990s when the BOJ bought about USD/JPY 30 bln during the month of March ahead of the Japanese fiscal yearend yet the pair continued to fall. In this case, the flows were so overwhelming that all the BOJ could do was supply liquidity to ease the impact. The intervention was not designed to reverse the trend but to slow its rise.

This brings us to the current market, where the Swiss National Bank (SNB) has taken a stand to prevent the CHF from appreciating. The SNB focus has been on eur/chf, where 1.50 appears to be the line in the sand. This intervention, while unilateral, has been effective in keeping eur/chf above 1.50 as the central bank has taken various tactics to keep the market off guard. Intervention was initially broadcast by the SNB that it did not want to see its currency appreciate. The SNB came in with a surprise attack buying eur/chf in the open market. It did this on several occasions before switching tactics when it became too predictable. The most recent interventions were apparantly carried out using Bank For International Settlements (BIS) as a surrogate. The BIS not only bought eur/chf and usd/chf, but did so at su7ccessively higher levels. Once the SNB pulled out, eur/chf eased back but is currently finding support above 1.52, which provides a cushion to the 1.50 line in the sand.

There are some lessons to be learned here. It is generally easier for a central bank to counter currency appreciation than to stop a falling knife (i.e. weakening currency). In the current trading world, where speculators are less likely to take on a central bank, it is better to step back and let the dust settle before trying to fade an intervention led move. Intervention is also more likely to be employed during times of tame inflation or deflation (such as current times) as a weaker currency can be inflationary.

This brings up another central bank which appears to be defending the downside, the Bank of Japan (on instructions from the Ministry of Finance). This is often referred to as stealth intervention, which is carried out by surrogates (e.g. government pension funds, etc). It appears that usd/jpy 95 is the current line of defense with dips below it finding bids. Unlike past times, when the focus was on export competitiveness to the United States, the current strategy appears to be focused on China. The goal is probably to keep usd/jpy in a range (e.g. 95-105) as long as China keeps usd/cny in a narrow range. This is likely to remain the case until China's economy stabilizes so expect the stealth intervention to continue.

This sums about a brief anecdotal history of intervention in the forex market. While I am sure I missed many instances, the stories should give enough background to put the current and future interventions in perspective.

Copyright (c) 2009 Jay Meisler

Wednesday, December 11, 2013


Payday loans are typically known as payday cash advances or instant cash loans. These include short term best loans that provide one with required cash for an desperation. Sudden situations arise that won't be able to delay against your up coming paycheque. What happens if ones credit score might be low? Just one good thing about instant bucks borrowing is the credit report won't have to be perfect. Virtually you will have a payday loan even with not as much as outstanding credit score. Lenders don't often look at your credit rating. You only need of being not less than 17 yrs old, employment for not less than one year, evidence of revenue, together with a checking account. Standards may vary amongst loan companies.

Payday cash advances are really easy to obtain and you also don't need lug a package of reports or perhaps organize any specific guarantee.. Everyone submit a outdated check along with the sum you took out. As soon as your cash advance is approved, the bucks is deposited in to the bank account usually in just 24 hours. In truth, you will be able to try online and save yourself a getaway. Right before one get jogging off and away to demand, you ought to be aware of what exactly is needed for payday loans. As with any credit access, it is best to merely ask when you really want the cash. The hop together with greater mortgage rates which is why the bank will not mind getting a possibility through a bad credit score. The mortgage rates is often as great as 100% and fees cover anything from - per 0 approved. If you miss a obligations or perhaps gain an elongation, you could wind up paying back double what you borrowed. You will have a reduced a chance to pay off this kind of credit rather than standard bank best loans.

The Heart for Trusted Loaning exposes the financial institutions have a greater part of their revenue by returning borrowers that neglect to reimburse the advance back by the due date. The lending company restore the advance and increase the interest charges. Virtually all loans contain a maturity day. That is the deadline the financial institution ought to cover completely. When the borrower doesn't pay back and leaves the company a signed check, the financial institution can certainly process the check. In the event the person's banking or even savings account boasts not enough resources, the paycheck will hop or produce overdraft rates. Truly, the company is not really assisting you solve your trouble nevertheless contributes to it.

There are many options to payday loans. That you are happier employing your bank card since the are decreased. Spend funds monthly on a cost savings or maybe Christmas club account. If you're a bank customer, apply its primary since the interest amount will be lesser and you will have longer to repay it off. You can ask mates or perhaps loved ones. Don't ponder payday loans until you will have exhausted the solutions. In case you need to, seek out approaches to plug spending leaks on your current bank loan. A lot of lenders present first time prospects a voucher codes with tabloids that give one smaller rates or reduce expenses. Make an effort to discuss a great deal together with the loan provider over the premiums or rate of interest. Be well mannered and you'll have a reduction.

Sunday, December 8, 2013


For this update, retail store financing can come in the form of financing/leasing and businesses seeking working capital in the structure of a cash merchant advance and/or merchant cash loan. Todays financing market is very illiquid in presenting retail businesses leasing/financing. Most bank monies are better off served in different industries from a risk/reward factor. However, there are niche banks out there that will entertain retail store financing but usually need the applicant to have at least a minimum of one to two years time in business. For the most part startups don't have a chance unless their personal credit score are over 700 and are ready to pledge additional collateral to the arrangement with added clear and free assets. The banks that finance retail store financing will properly offer up to ,000 application only and over that amount full financial and tax disclosure would be mandatory Accepted leases can run between 24-60 months with various buyout clauses

The following is the type of retail stores under consideration:

Book stores, sporting goods stores, clothing stores, pizza shops, men and womens apparel stores, discount stores, pharmacies and drug stores, fast food restaurants, music stores, video stores, franchise restaurants, mail centers, pet grooming stores, dry cleaners, tanning salons, etc

The most unique part of this article is the merchant cash advance/loan programs. Generally people aren't even responsive of these programs.

The first question a lot of people are asking is what is a merchant cash advance? An established business in existence for one year or more with visa and mastercard sales can qualfiy for a loan or a merchant cash advance on their previous activity up to 0,000 from a financial institution and 0,000 or more per location from a true merchant cash advance company. The monthly average of their visa and mastercard sales x 1.5 will be a qualifying amount that the bank will finance up to. Some cash merchant advance companies will finance up to 0,000 per location.

This is a skillful way for a business to get hold of working capital. Most conventional financial institutions shy away from the retail industry.

These cash merchant advances/loans are great for businesses that have seasonal cash flow needs, that aren't capitalized properly and call for more time to achieve their sales base, have credit issues that can't be overcome at the bank, businesses that want instant cash now, and apparently lots of other factors tailored to specific businesses.

These banks aren't FICO driven and are attracted in you past Visa/ Mastercard Sales for the prior six months. Usually the company's bank statements, the merchant processing statements and a signed application are required to start the lending process. Once the financial institutionhas received these requirements, a decision can be made fairly quickly, usually within 24-48 hours. Beyond an acceptance, the money is usually funded within seven business days.

The next obvious question, is how does the client repay back the loan or cash merchant advance? It is from the impending card sales, a small piece is paid back each day to pay back the financial institution This is important because there are no balloon payments or monthly payments to consider. The financial institutioncalculates a little repayment per day that can last up to one year.

Locating available capital whether through leasing and working capital can be very complicated in todays times. The cash merchant advances/loans can offer the seasoned business an unique opportunity to obtain funds without all the red tape conventional lending institutions demand

Happy hunting for your financing..

Thursday, December 5, 2013


When you think of a mortgage, you probably think of it as a way to finance the purchase or refinance of a home. Mortgage notes, however, can also be an investment option where you may be able to earn a return on your investment. Buying mortgage notes may also be referred to as hard money lending or private mortgages, where personal money is being used to fund the financing of a property. In exchange for buying mortgage notes, you receive monthly principal and interest payments on the amount of the note until the note is paid in full.

Find and contact a mortgage note broker. Mortgage note brokers or private mortgage brokers act as liaisons between investors looking to buy mortgage notes and borrowers. Use the yellow pages of your local phone book to locate and contact a local mortgage broker to see if they have any mortgage notes for sale.

Write up and sign a legal contract and promissory note. When you find a mortgage note or notes you want to buy, have an attorney draw up a legal contract between you as the mortgage note buyer and the borrower or seller of the mortgage note. A real estate attorney can draw up the contract as well as the promissory note for the transaction, which both the borrower and buyer must sign and agree to before it becomes a legally binding agreement between the two parties.

Establish and fund the escrow account. After all of the terms and conditions of the mortgage note purchase are in writing, you as the buyer must establish and fund the escrow account. This is the account where you deposit the money you're loaning to the borrower for the real estate purchase. The account is managed by a third party so that the doling out of the funds from the account is fair and equitable and in accordance with the terms of the written legal agreement.

Receive your returns on your investment. Each month, on a quarterly basis or in accordance with the terms set forth in the written agreement, you receive your checks from the escrow account, which is principal and interest on your mortgage note investment. This occurs until the note comes due and is paid in full.

The rate of return for a typical mortgage note can run anywhere from 12% to 15% for a mortgage note buyer.

The escrow account is also the depository for the monthly payments made on the mortgage by the borrower. When it's time for the mortgage investor to receive his monthly payment, the funds are disbursed from the escrow account as well.

Tuesday, December 3, 2013


When it comes down to the time when you want to sell your beats you must have the proper contracts. Yes, this should be a part of your studio in a folder put away, even if it collects dust. Hey, anything can happen, P. Diddy could come knocking at your door, although Bad Boy Records contracts with their musicians are considered to be sometimes "questionable".

When selling a beat, oral agreements will not hold up in court and if the artist is sued on the basis of copyright infringement, without the paper saying you transferred all rights to the artist, the legal implications would shift to the creator of the beat, which is you. If eyebrows are raised by your unexpected professionalism, just tell your potential buyers that it's nothing personal it's just how you transact your business.

Although you can write the contract yourself, with personal necessities of your liking, it is very much preferred that a lawyer be contacted as you may write things that are too vague such as, "in the case of a lawsuit you don't know me". That is more comedy than business. One such person to write this type of personalized contract for you is a music attorney. While initially expensive it will pay off tremendously if perhaps any legal matter pops up that reflects on you when it doesn't have to. Another point to consider is you only need a couple contracts for selling your beat and then you're set for life and may not ever again talk to that legal money swindler.

There are two main types of transactions that are common between a beat maker and an artist, one that gives "non-exclusive" rights and the other that gives "exclusive" rights. Exclusive rights are usually priced much higher than non-exclusive rights. Make sure the music attorney draws up both these contracts separately.

Non-Exclusive or leased rights to an instrumental are when you sell the artist the instrumental but give limitations and restrictions on how the beat can be used. Non-exclusive rights may prohibit the use of the instrumental for commercial sale or promotion, strictly for mixtape use and also no rights of complete ownership to resell the audio in any way. A con about a non-exclusive deal is that as a sampler you would still be held liable for any copyright infringement and not the buyer of said beat unless stated in the contract.

Exclusive rights would transfer all ownership of the instrumental to the new owner after purchase, so any legal implication would go directly to the artist. In this contract it is also common to demand a number of points from the artist's album on top of the set price of the actual instrumental. A point in music industry standards is equal to 1 percent of the amount of the revenue an album generates. Some beat makers may not charge a set price at all on non-exclusive right, and only points depending on how famous, profitable and consistent the musician's history in music retail is. These are generally the common type of deals made by beat making record producers at successful indie and major record labels.

Sunday, December 1, 2013


It is no secret that not all mortgage providers are the same. While many big names boast an extensive nationwide reach, and others affordable mortgage packages, very few can boast both at the same time. But Wells Fargo is one of them, making home purchase financing affordable for every pocket. In fact, getting Wells Fargo home loans with bad credit is arguably the least complicated process.

Wells Fargo is a huge name in the US mortgage sector, but it has grown chiefly as a result of specializing in solution-orientated mortgage products to bad credit borrowers and those in difficult financial situations. This makes them a favorite amongst those applicants seeking approval despite low credit scores.

The range of products available is such that practically every kind of home loan situation can be successfully addressed, from reverse mortgages to the adjustable rate mortgage. But it also structures mortgage programs to suit specific home buyer situations.

Who Is Wells Fargo?

As already mentioned, Wells Fargo is one of the largest mortgage providers in the US today. In fact, of every 16 homes sold in the country, Wells Fargo has sold one of them. But it is its commitment to affordable lending that has earned it its reputation. Little wonder that getting a Wells Fargo home loan with bad credit ratings is so possible.

In recent years, it has grown further, buying into the mortgage giant, Wachovia Corporation, and spreading its reputation for granting approval despite low credit scores to a wider market.

This merger, effectively created an unbeatable mortgage corporation, ensuring its customers gets the very best in services, offers, policies and care when they seek or secure a home loan.

Home Loan Options Available

It would be easy to look upon Wells Fargo as just another mortgage provider, but the company has grown to dominate the US home financing sector for a very good reason - it offers services that borrowers need. Getting Wells Fargo home loans with bad credit scores is straightforward, but the options available offer solutions to specific needs too.

In fact, there is considerable effort on the part of the company to structure individual loans in a way that benefits the borrower. So, getting approval despite low credit scores is just a start, with fast and reliable services that are void of those frustrating bureaucratic dead ends.

Amongst this list of services and home loan products are affordable New Home Construction loans, competitive Home Equity Loans, helpful and supportive First Time Buyers Programs and carefully agreed Timed Withdrawals Programs, where repayments are cued to ensure no late or missed mortgage payments.

Wells Fargo Extra Services

Most mortgage providers are happy to offer consultation services, but when seeking a Wells Fargo home loan with bad credit scores, borrowers can benefit from a greater level of customer care. It is not just about good terms and competitively low interest rates, but ensuring the mortgage deal suits the borrower.

There are several programs available, but arguably the most valuable are the provision of closing guarantees, credit counseling and loan counseling. While getting approval despite low credit scores is important, successfully closing the deal is crucial. Wells Fargo can guarantee the deal is closed properly, thus removing uncertainties.

Credit counseling provides prospective applicants with advice on how to boost their credit scores in advance of submitting an application, to increase the chances of getting a better home loan deal. Loan counseling, meanwhile, is designed for first-time home buyers, with Wells Fargo offering a step-by-step guide to help them through the entire mortgage loan process.