Monday, December 1, 2014


If you're a student or young adult who has never owned a car before, there are a few factors to consider before you make this important purchase. One problem that you may run up against is not having any credit history. While having no credit is better than having bad credit, it's still something that can be held against you by lenders. For those who are living in the Kansas City area, you can visit a Kansas City no credit check auto sales dealership. This is a way to get financing for your first car when you need it most. Having a vehicle in the Kansas City area is a good idea, because it is spread out over 15 counties, including Johnson County, and has a population of over 2 million residents.

Buying a car is a good way to get you around, whether you need to get to work, school, or a friend's house. By visiting a Kansas City no credit check auto sales center, you can peruse your options without worrying about being denied due to your lack of credit history. However, you will need to qualify for financing based on some other criteria. For example, you will either need to have your own form of employment or your parents will need to offer their financial details. You will also need to submit a valid driver's license, and your insurance papers.

With this in mind, it's a good idea to think about the type of car you want before you visit the Kansas City no credit check auto sales dealership. Think about the size and model of car that will best fit your lifestyle. If you're going to be using this car only for yourself, you could choose a smaller car, while if it's going to be shared with your family, you'll want something larger. If you plan on taking the car to college, you might want to choose a car that has enough storage to pack up your belongings.

The area where you will be driving your car can also influence the best type to choose from a Kansas City no credit check auto sales dealer. If you're going to be driving only on the highways, you will want a good cruiser that can handle high winds. For driving around Kansas City, it's a good idea to choose a hatchback or other smaller car that can zip in and out of traffic. These are just a few of the practicalities to think about when you are establishing credit and purchasing something as important as your first car.

Saturday, November 29, 2014


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.

Thursday, November 27, 2014


The Olmedilla Photovoltaic (PV) Park in Spain is the largest Solar Power plant in the world. Similarly the other largest solar PV plants are also located in Europe.

The demand for Solar Power in the United States is swelling even with an economic recession in the background. The main reasons that can be attributed to this growth are:

Financial incentives from government
Simplification of credit accessibility
Improvement in recognition of environmental benefits in the public

Even though the largest Solar Power plants are not in the US, but the under-construction projects in New Mexico and California are expected to balance out the dominance of Europe in a few years.

Worlds Largest Solar Plants

1. Olmedilla Photovoltaic (PV) Park in Spain

This solar plant has more than 160,000 flat solar PV panels that generate over 60 MW of electricity in a day. This plant was constructed within 15 months at a staggering cost of 0 million. The panels used are of the conventional type, made from silicon, expensive and heavy.

2. Puertollano PV Park in Spain

The Puertollano solar plant generates around 50 MW of Solar Power in a day. It produces enough power to meet the electricity requirement of 39,000 average households. And, the energy generated by it in 25 years would offset more than 2 million tons of carbon dioxide.

3. Moura PV Power Station in Portugal

The Moura solar plant was built at a cost of 250 million in two phases. It generates 46 MW of electricity on a good sunny day with its more than 375,000 panels. The plant is spread across an area of more than 320 acres and produces 88 Giga-Watt Hour of electricity in a year.

4. Waldpolenz Solar Park in Germany

This solar plant is the largest thin-film solar plant in the world. It is constructed in a military air base and has a total Solar Power generation capacity of 40 MW. The plant has more than 0.55 million thin-film panels that generate around 40,000 MWh of power in a year. It is built at a total investment of around 130 million.

5. Arnedo Solar Plant in Spain

The fifth largest Solar Power plant in the world is the Arnedo plant that has an annually electricity generation capacity of 34 GWh. It can power more than 12,000 average-sized households and offset 375,000 tons of carbon dioxide during its lifetime.

This plant is spread across 70 Hectares and has more than 170,000 solar panels. It was built at an investment of 180 million and currently it is meeting 62% of the electricity requirement of La Rioja, a wine producing region in Spain.

Thursday, November 20, 2014


As you know Vimax is among the most effective male enhancement pills for men to enhance their sexual performance on bed. Vimax results tell that customers gained up to 4 inches in length and 24% in girth, which result in greater self confidence because of better performance. You can buy Vimax pills online via their official website. PillsExpert is the company that developed this product since 2000 and its population has been increasing every day due to the best results and high-end and quality product. The manufacturer of this product claimed that your overall sex drive will improve by taking Vimax pills for 6 months. You will notice the change during the first few weeks but the full effect takes place in sex months.

You can only buy Vimax pills via their official website or by phone. You cannot find the product at stores like Wal-Mark, CVS, etc. If you find the Vimax pills somewhere else, you may end up buying the scam products. There are some male enhancement reviews sites that tell about this product. When you enter your credit card information online, the URL must contains VimaxPills. There are some Vimax scams online but will disappear very soon. If you receive spam e-mails advertising about Vimax male enlargement pills, you know for sure they are fake Vimax pills. Vimax will never advertise their product via such spam e-mails. The company thinks that if the customers like them, they will come back without sending an email.

Vimax results are the increase in the penis size both length and girth, stronger and harder erections as the more blood flow to the penis area, longer lasting in bed, and no more premature ejaculation. It is the solution for men who are quietly suffering about small penis which lead to unsatisfactory performance. In other words, your woman will not attain an orgasm with your too small, soft, or short penis. Your little cannot touch most of the sensitive area of her vaginal, she cannot reach an orgasm. She is not satisfied and as a result, she will be seeing someone else. Thousands of relationships are broken up because of this. So, you need to save your relationship when you still have a chance.

Vimax pills are the best penile enlargement pills that really work. Vimax is all-natural since it is made of 100% herbal ingredients. Each Vimax pill is formulated by the correct blend of herbs to make sure it delivers the maximum results. Studies have shown that many positive testimonials from users who have gained up to 3-4 inches in length and 25% in girth.

It is no doubt that Vimax is the only solution to help you get bigger and stronger erections that will result in better sexual performance and greater self-esteem and self-confidence in bed. It is not only for you but also for your woman. Since its ingredients are all-natural, Vimax side effects are none. With 60 day money back guarantee, you have everything to gain.

Tuesday, November 18, 2014


There are so many good reasons to find the time to exercise, but the expense of it often keeps people from it,especially when financial difficulties lead to an auto title loan. However, exercise doesn't necessarily force you to spend excessively.

Numerous exercises can be done with no equipment and don't require a gym membership. If you're just starting out, go for a 30-minute walk. If you want more of a workout, you can go jogging instead.

If you have a dog, take it along with you. A dog that starts to look forward to a daily walk or job will help you stay motivated to exercise.

If weather is an issue, you can still do aerobic exercise at home. One way is with a video game system with motion sensing controllers. These have numerous games that require you to move to do the game and exercise in the process. This could be playing a sport such as tennis or racquetball, dancing, or even jogging in place while you view animated scenes to entertain your mind.

You can even get exercise equipment to use at home without spending big bucks. Ask friends and family for equipment they aren't using. They may allow you to borrow the equipment or sell it to you for a low price. If this doesn't help you, you always can look at yard sales or online for used equipment that you can afford.

Weight training also can be done at home at little expense. One of the best weights to use to train with is your own body. You can do exercises such as push-ups, crunches and pull-ups that use your own body and gravity to build up muscle strength and trim fat.

If you are set on using actual weights to train with, you can be creative in making your own weights, especially if you don't need that much weight. For example, two buckets of water hung on both ends of an old broom handle can make a decent barbell to do curls with.

Elastic bands are often used for resistance training. These are often more affordable than traditional weights, but you can even make your own by using bungee cords or even using several large rubber bands.

If you feel that you need a video to help you start an exercise regimen, explore your local library and see if it has exercise videos that you can check out. Also, you can search online for free videos as well.

The best type of free exercise at home is productive exercise. Doing your own yard work can be great exercise, especially if your lawn mower has to be pushed and you collect the grass clippings. Pushing an old vacuum cleaner over your carpet can have its physical benefits as well.

Spending time with your significant other also can be inexpensive exercise. Dancing is a great aerobic exercise. You can even do it at home. Just clear a space and turn on a stereo. Of course, being intimate has many physical benefits.

Be creative in how you exercise so you don't have to spend a lot of money. That way you won't get stuck in the auto title loan cycle.

Sunday, November 9, 2014


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.

Friday, November 7, 2014


When a customer at the bank gets a hold of a statement in through the mail, the statement lists out all the transactions happened during previous month. The transactions include both incoming and outgoing, tallying up to a final sum which is indicated as the up-to-date account balance for the benefit of the customer. Without the benefit of the statement, the customer would be much more in the dark more with respect to the contents of the account. With the statement in hand the customer knows details such as the dollar value spent, the size of the income, and the present state of the account.

The fact of the matter is that this information becomes outdated almost immediately as the customer starts to use money. A simple ATM withdrawal means the account balance is not reflected in the monthly statement. The way to make sure one knows the state of finances even between statements is known as "bank reconciliation". The device to help one do so is the checkbook register - which is simply a little sheet of paper that is used for recording transactions.

What is the importance keeping track of this money? The larger fraction of bank customers have come up against deep reasons to do so. Indeed, whenever a check is issued with a value higher than the level of money in the account, two things happen. The check may not go through incurring a bounced check fee, or the check goes through because the bank covers it temporarily triggering an overdraft fee. In both cases there is a serious negative consequence.

The types of transactions are many. Monthly car payments by way of check can result in a penalty if there are not enough funds on the day the payment is being cashed.

Personal checkbook registers impedes the rotten luck of such errors occuring. For people who have trouble managing their finances but also find maintaining a checkbook register too burdensome, there are electronic alternatives which are faster and easier to use. These are merely calculator-like devices that can easily be carried around. They have special entry keys for the different kinds of transactions one might encounter related to the checking account.

Very recently the U.S. Senate implemented a series of consumer-friendly finance rules relating to how banks charge overdraft fees (this fee is incurred whenever a bank steps in and pads a customer's account whether or not the customer wants it). Basically a bank must ask a customer to opt-in to their overdraft fee program. However, the flip side is that without the overdraft fee, checks will bounce and cause other kinds of trouble. Therefore, it is still best to keep finances in check with devices like the checkbook register.

Wednesday, November 5, 2014


Are you sad because you are not able to fulfill your long awaited desires due to inadequate monthly income? Here is the solution of your problem. Now with the ease of urgent cash loans, one can avail quick and immediate finance to meet his expenses and desires without any apprehension. This loan is small help for everyone who are staying on payday but unaffordable to fulfill their needs.

For getting the benefits of urgent cash loans, borrowers have to qualify some conditions for urgent cash loans and that are:

1. He must be permanent citizen of UK. 2. He must attain 18 years old or more. 3. Must be working regularly with the basic salary of 00. 4. Having a bank account is necessary for direct money deposit.

Online application method is the hassle free way to avail the required funds with hassle free payday loans. You do not have to leave the comfort of your home or office. Foremost requirement is that you have to explore the online financial market to get the affordable deal of all. Then, fill a single online application form with few required details and submit it. The money that you need will transfer in your checking account within least hours.

One can utilize the borrowed amount for any purpose. The amount of money that you can borrow can be ranges from 0 to 00. It basically depends upon your monthly payday. You can repay it as per your convenience when you receive your upcoming payday. Expenses like household bills, unexpected medical costs, organizing birthday party, credit card dues etc. can easily be paid off without any lender's restrictions.

The good thing about urgent cash loans is that bad creditors can also be eligible for this loan. Do not get agitated if you have the tags like default, late payment, CCJs, or bankruptcy, as does not matter. There is no discrimination between the good creditor and the bad creditor.

No need of valuable asset makes the loan procedure of urgent cash loans more easy and trouble free. No faxing and extensive paper work hassle needs to be faced. One can just get the pleasure of immediate fiscal assistance without any delay and mess.

Sunday, October 26, 2014


Everybody is interested in the stock market and have looked into investing at one time or another. Whether you believe you do not have time to do it, investing in the stock market is quite possible for almost everyone. You can easily trade stocks at home. In the 1990s, trading was just for the rich. At present, a lot of people generate a comfortable living by doing this, sitting in the home doing virtually nothing. You no longer need piles of cash to begin.

Envision being your own boss and not having to be anywhere at a certain time. It is possible to stay away from rush hour traffic and the rat race. You'll be able to come and go as you please and you don't need to worry about job security. It is possible to achieve success through stock trading with hardly any effort on your behalf whatsoever.

Individuals can certainly develop their financial portfolios and discover everything about the stock market over the internet. In case you only have 0 to invest, that's a start. You can make your money up to over ,000 in a year in your trading account. If you're pondering quitting your job or making some extra money, this can be an excellent way for you to do so.

One can learn numerous things online nevertheless the stock game is easily the most lucrative and is also very interesting to learn about. How else might you turn 0 into 0,000 within a year? You ought to learn how stock market trading works and study as much about it that you can. Be sure you know the stocks you are looking at purchasing. Keep on top of everything. It is said that knowledge is power and power is everything. You are able to empower yourself and be financially set for life. It has never been easier to trade stocks at home and there's a lot of cash to be made.

It is very important to be smart and take your time when dealing with stocks. Do not jump at the first option that comes along. Carry out some checking first. There are numerous scam artists operating out there and you should take care. If you need a lifetime of financial security, perform a little research and homework and you're almost there already.

To hit your objectives in day trading, a person should be able to spot down and up patterns quickly in stocks they're looking at, nonetheless one question remains. What stocks do I need to be looking at? After you've learned this one method, you are miles in front of other traders who are not applying this method.

Leading day traders have what they call a Watch List. This watch list is the list they're constantly monitoring, searching for patterns that will show it would be the best time to purchase. Almost all a prosperous day trader's trades originate from observing stocks on their watch list.

What are the requirements for choosing a great stock for your watch list?

One important criterion is liquidity. A stock that trades at least 1.5 million shares a day is a great guideline. Even when the stock meets all of the other requirements, it does no good if you can't rapidly buy or sell your stock. This isn't too hard to look for because so many great day trading stocks trade in several millions a day. About 28 million in one day for the large liquid stocks. Keep off of thinly traded stocks. The Market Makers can manipulate their price movement too easily.

Next consider the volatility of stocks. An excellent stock for the watch list ought to be a highly volatile stock, as day trading profits are made when share prices change. Evaluate and do a comparison of businesses you are contemplating by day, week, and month.

High dividend stocks really should be taken off as well. Trading isn't a long-term investing approach, and the more dividends a company pays, the less cash they are re-investing in the corporation's expansion.

As soon as there is a set of prospects, choose between five and thirty to use on your watch list. Begin small in the beginning, and work your way up to more stocks while you gain self-confidence and experience using your watch list.

This strategy on it's own could earn you lots of money.

Thursday, October 23, 2014


To make baby's first Christmas truly memorable, you can delight your little one with a musical snow globe, give a Christmas tree decoration, create your own gift set, make a personalized Christmas stocking, consider hand or foot printing, personalize a Christmas plate, buy a figurine watch, and think about giving an angel pendant.

Christmas is even more exciting when you have a new baby in the family with whom to share the season. The memories spent on this day will always be special and memorable, especially with gifts that will always be remembered and kept. Here are some wonderful commemorative gifts ideas, both ready-made and personalized baby gifts that you can give for baby's first Christmas.

A musical snow globe is a great gift

Musical snow globes are pleasing to baby's senses. Babies find them attractive and are soothed by the music. Specialty shops carry many snow globes with a Christmas theme. It is also a good idea to write what year your baby received their snow globe on the underside, along with his or her name.

One thoughtful gift for a new baby would be a personalized Christmas tree ornament

The baby's very first Christmas ornament will become more precious with each passing year as it is hung on the Christmas tree by the child, and then the adult, who once received it so long ago. There are lots of Christmas tree ornaments you can choose from for baby's first Christmas celebration. Perhaps you'd be interested in ordering a personalized tree bauble with a miniature Santa or angel inside it, or maybe a Christmas ribbon-bedecked baby rattle. You can also hang a snug little pair of booties all complete with the baby dedication from you and the year of the Christmas celebration.

Put together a gift set that you design yourself

Creating your own unique and special set of firsts is yet another creative gift for baby's first Christmas. Gift sets can be created by combining a number of commemorative photo frames, plush toys and other Christmas themed items. Wrap it in a basket and bring out the creativity in you to make your gift more special.

A personalized Christmas stocking is another great idea

Most children end up with a Christmas stocking and getting one early in your child's life that will last is a great idea. If you are a talented seamstress, you could make and personalize a baby stocking, and if not, there are plenty of personalized "baby's first Christmas" stockings out there for sale. Make the stocking cute by adding bells, ribbons, or other ornamental fixtures, but don't make it too chaotic looking by adding too much.

Either a hand or a foot print is another option to think about

An imprint of the new baby's hand or foot would be a creative personalized gift. Using a baby's hand or foot, you can make a shirt or a framed print with ink or make a clay cast.

Customize a plate with a Holiday-themed design

A Christmas plate is also a great commemorative gift for baby's first Christmas. Many stores specialize in items for you to customize with your choice of pattern and inscription. Try putting this plate on the top shelf of your dining or reception areas.

Purchase a figurine watch for the new baby

One other wonderful holiday or Christmastime gift to mark an infant's first Christmas is a watch including a figurine. You may choose from a variety of styles and designs, anywhere from the elegant, classic angel, to the more fun and whimsical snowmen, Santas and reindeer.

Think about giving an angel pendant

At last, a beautiful and truly memorable present you may give for baby's first Christmas is an angel gift with a chain. The pendant is something your baby can use every Christmas until she becomes a grown up. If well cared for, the pendant may be passed on from generation to generation.

There are in fact a number of different gifts you can give an infant to help commemorate his or her first Christmas, including personalized apparel like socks, bodysuits and shirts, or more fun things like music box Christmas CDs, Christmas baby books, personalized Christmas blankets or even Christmas-oriented stuffed animals.

Monday, October 20, 2014


Sometime in 2009, search engine giant Google rolled out its Farsi translation component for its online language translator, Google Translate. The Google blog explained the new addition as its own contribution to helping in the world to understand or keep up with the important events that were then taking place in Iran. The elections were just concluded, and many peopleespecially those who spoke Farsi or had economic, political or emotional interest in the outcome of the said electionswanted their feelings thoughts expressed or heard, even if only on the Internet.

The then new Farsi translation was quickly rolled out, with Google admitting that the new language component was vulnerable to breaking, or at least, may only provide the most basic translation capability. It came out with a button that enabled Farsi speakers to contribute a better translation to a phrase or word, which will then be automatically added to Google Translate's database for the purpose of further self-improvements.

And it was true: it translated from English to Farsi fairly well, but only with the most elementary or simplest phrases or words. Trying out increasingly complex phrases produced quirky, if not, hilarious results. Remember that this was Google: if there was anyone who could make the best online Farsi translation tool, it would be Google.

However, despite Google's capability to draw upon its massive search engine databases (gathered from more than a decade of being the world's leading search engine) and utilize them to refine Google Translate's efficiency and accuracy, the results of common translation using its online tool is still far from being completely useful. You cannot use it confidently for professional or perhaps even personal purposes. Say, you have a Farsi-speaking friend, and you want to give her some rough plot outline of Steven Spielberg's latest movie, Super 8, through email. And you want to do so using only Google's free online tool (because for one, it is free; and two, yes, it is free).

However, and this is true not only with Farsi but also with other language offerings on the site, you know you cannot confidently use the online tool to convey your message in flawless Farsi. Somehow, you have that feeling that the tool might mistranslate something, and you might end up unintentionally saying something offensive, or at least, incredibly stupid.

Granted, it is hard to stay on top of the game, boasting of a hundred percent accuracy and efficiency, if you have to include Farsi translation capability into about 40 or so foreign languages (including English). For that, we have to give Google some credit. But the truth is obvious: even the best machine translators could not yet hold a candle to the average human professional translator.

At this stage of the technology, and perhaps even in the foreseeable future (say, two to five years), it is safe to assume that no machine can compare with the capability of a well-trained, well-experienced human being in terms of efficiency and accuracy in Farsi translations. Only humansespecially those who are native speakers of the language, with a healthy exposure to other culturescan provide the best translation output that one can actually use to confidently tell a friend the plot outline of some good movie.

Saturday, October 18, 2014


Which should you choose?

When it comes to choosing a credit card, knowing what is right for you can be a really tough task.

For a start there are a dozens of banks that offer a whole range of credit card products that may suit your needs. But there are also a number of non-bank credit card providers. So how do you know which to go for?

A lot of people are quite wary of non-bank credit card providers as they don't get as much coverage in the media as banks. This is smart as not all credit card providers will offer the best products. However some are offering products that can be of great advantage to those in need of a credit card.

There are so many credit card providers in Australia that we couldn't possibly review them all, however we can narrow it down to banks and a select few non-bank credit card providers. At the credit card guide there are three non-bank credit card providers that we review.

The first that you may find The Credit Card Guide is the credit cards available from GE Money. GE Money offers a number of credit cards that are designed to suit different credit card spending habits and needs.

These credit cards include the Go MasterCard, eco MasterCard, Wizard Clear Advantage MasterCard, Low Rate MasterCard, and of course the GE Money MasterCard. All of these have been reviewed extensively and can be found at The Credit Card Guide website.

You'll also find the Woolworths Everyday Money Credit Card. This credit card's main objective is to provide credit to those in need, while promoting the sale of their products as well as that of their partner companies.

Rewards points are offered at a rate of up to three points per dollar when certain products are bought. Outlets include Woolworths and Safeway, Caltex, Big W, ePump, Thomas Dux, Woolworths/Safeway Liquor, Dan Murphys, BWS, Tandy and Dick Smiths.

If you have a Woolworths Everyday Rewards card you can link this to your Everyday Money credit card and use the two together to get maximum benefits while shopping and at the petrol pump.

We also review the Aussie MasterCard which comes very highly recommended for interest free credit cards and balance transfer credit cards. It's not often a non-bank credit card provider can offer a competitive credit card that isn't targeted to certain retail outlets or products, however the Aussie MasterCard does just that.

As a non-bank credit card provider it would be fair to say that Aussie is one of the best and is well worth checking out if you are in need of a good all round credit card.

So when it comes to the question of banks versus non-bank credit card providers, the question will always be asked, Can I trust this company?' But the key is to do your research. Compare interest rates and know exactly how much you can afford and what it is you need from your credit card.

You can find all the information you need about over 90 credit cards at The Credit Card Guide, so make your credit card choice easy by checking out The Credit Card Guide's no-nonsense credit card reviews now.

Thursday, October 16, 2014


Imagine you are sixteen again. Imagine you've just left school. Imagine you are thinking about whether you should go to university or start a career. Then imagine that you are living in the current economic environment.

At a time when fees for attending university are rising and accommodation costs are already the highest they've ever been, it comes as a surprise to find that university applications are only 8.7% down on last year. Consider this, along with the fact that there is b in outstanding federal student loans and a further b in outstanding provincial student loans and you start to understand that completing a degree is no longer a guarantee for future success. Indeed, in many ways, it could be the start of a downward spiral where debt obligations become overwhelming and, due to a miserable labor market, there is no guarantee that you will get a job after completing your degree.

Despite this, online courses still refuse to appeal to prospective students when they start contemplating whether to go to university. It seems that the options are either go to a campus-based university or get a job. Perhaps this is due to the fact that a recent survey carried out by the Society for Human Resource Management indicated that only 49% of HR staff felt that online courses were equally credible to degrees from traditional schools.

Could It Be Changing?

It should be noted that in the same survey HR staff indicated that online degrees were now viewed in a more favorable light than they were five years ago. This therefore suggests that there is a change underway, albeit, a very slow one. The main issue seems to be accreditation. If an online degree is accredited then it should be considered in the same light as a traditional degree, however, 45% of HR managers said that graduates with a traditional degree still have a better chance of being employed over someone possessing an online degree.

Choose Your Course Wisely

It has been argued that the course subject is central to gaining an online degree that has significant weight with employers. If a prospective student is considering a Bachelor of Psychology or a Bachelor of Criminal Justice degree, they may have more success than if they had completed a degree that would normally have a large practical element such as engineering or construction. Although it may be possible to study such degrees online many employers would still consider the graduate to be short of actual experience and would need time to get used to the working environment.

Demand From Employers

It would appear that the reason why online courses are still not being accepted as real degrees resides not so much in a lack of demand for them among those looking for a degree but among those who are forced to value potential job candidates. If there is no demand among the employers, then this filters through to individuals looking for the qualifications that will enable them to succeed in getting a job. This obviously includes the institution that the prospective job candidate attended.

It seems that until employers remove their focus on traditional degrees and embrace the new virtual educational environment, demand for online degrees is not going to outstrip traditional courses. This is despite online degrees being the preferred choice among prospective students and, in most cases, the best alternative for companies. Indeed, companies would be able to employ someone who is carrying out their studying part-time and would be willing to work for less until they are qualified. Someone would say that is for the benefit of all parties involved.

Sunday, October 12, 2014


Credit Repair Companies are available to solve your credit score problems for a very long time, but have now become very much popular in recent years as more and more people start utilization of their services. Once any specific transactions are challenged, your Creditors must carry on an investigation to ascertain if there is any merit to the dispute.

Several times, Creditors end up dissolving disputes in favor of the Customer, which is for sure great news for you. Individuals ruminating utilizing the services of a Credit repairing company must be conscious of the Credit Repair Organizations Act. This law was outlined to defend consumers from Credit Repair scams.

Referring with the Better Business Bureau on a future company is as well suggested when choosing a provider for this service. The BBB keeps a record of complaints and notes filed against Companies. The work of Credit Repair Companies can be time-consuming and really very complex. Those people who are ready to bring their Credit report under control might like to look at the services of a Professional well educated in this area. Don't anticipate seeing the results directly, however. Even with an esteemed credit restoration service managing the details of the Repair process, it still need some time to see results.

Some evaluators of Credit Repair Companies suppose that these places charge money for those services that can be executed by the customers themselves. Although it might be true that Credit Repair Companies do not do anything particular, some consumers don't have the inclination or time to write good dispute letters.

If you like to assay carrying on with creditors on your own, no one is turning you. But the Agents that work for Credit Repair Companies know all the ins and outs of carrying on with banks and several other financial institutions, so that they are in a situation to address your complaints more effectively.

There are various Credit Repair Companies in the Market for the help of customers who are troubled from bad credit score. As you all know the necessity of good credit score in your life, it is very necessary to raise and maintain the credit score with the time. It is really very difficult to find and search the authentic Repair companies in the Market, so you have to be aware when you select the Credit Repair Company.

Once you discover the best Company then it will take all the province of your debt. Now it is the time to know how these Credit companies will facilitate you to carry off your Credit report score. This is how Repair Companies will make you with regard to Credit Score and get care of your Debt management.

Wednesday, October 8, 2014


In the business of getting quick personal loan, borrowers are presented with many confusing options. The right choice for you depends on the status of your credit and other financial circumstances. In cases when bad credit history or no credit history hinders your ability to receive a loan, the option of an unsecured payday loan with no credit check is usually your best bet.

Option Details: The Payday Loan

The option of a payday loan, which many people may also know as a cash advance loan, is really great for those times when you need cash quickly. Payday loans do not require the lender to perform a credit check and the documentation that you must have is limited. Therefore, in many cases, you can present the required paperwork and have your loan within 24 hours of your application.

Payday loans are unsecured personal loans which means they are offered to individuals without the requirement of collateral. However, because of this lack of collateral and no credit check, loans of this sort are generally only given for small amounts (the equivalent of one pay day). You can expect to receive anywhere from 0-,500 through a payday loan.

Do You Meet the Qualifications?

Many people may also have heard that payday loans are guaranteed. This means, that it is virtually impossible to be denied a payday loan. This is definitely true, however there are still a few requirements that you will need to meet. These include:

- Being at least 18 years old.

- Being a citizen or permanent resident of the U.S.

- Having a steady job for at least 6 months.

- Having access to a verifiable bank account this can include a checking account or a savings account.

Finding the Best Loan and Deal

Once you decide that a payday personal loan is the right choice for your cash flow problems, you will also quickly find that many, many online lenders offer this option every day. Finding the best loan, this means finding the best deal in terms of interest and fees, means doing a little leg work.

Start your loan search by consulting online financial websites and independent ranking agencies for reliable businesses. From that information, you will want to generate a list of three or four possible lenders. Then, look at the deals that each lender offers. You may decide to call each lender yourself or simply fill out their online form. Once you get a quote from each lender, compare the following items:

- Principle amount of the loan how much money will you get?

- Interest rate- because of their short terms, this will be larger than you are used to seeing advertised, but still reasonable.

- Payback term payday loans are generally offered for anywhere from 14-60 days.

- Fees associated with late or missed payments this is important as they can add up quickly with only one simple mistake.

The lender who offers the best combination of deals in all these four categories is the one you should choose. The best news is that the quick and easy application process associated with unsecured payday loans means that even taking time to compare offers will not delay the receipt of your loan money. Once you make a decision, there is no credit check to go through and you can have the money from your unsecured personal loan the next day.

Monday, October 6, 2014


BOP is the balance of payments, it is an account that depicts the payments and the net transfers occurred between the two countries.

Out of two countries one is home country and all the BOP information are recorded from the home country perspective.

The payments involved both the payment for goods, exports and imports are put into consideration for accounting purpose. In case, the BOP is repeatedly negative, it is interpreted that the country is having a economic instability. Inversely, BOP is consistently positive; it indicates that the economy is stable and functioning smoothly.

It is defined as the flow of payments in any one country with the rest of the nations of the world. It determines the correlation between the home country domestic payments and debts that the country owes to other countries of the world.

The amount of currencies that the county has to receive from other nations in the form of receipts and credits for a predefined period of time and is calculated annually.

BOP includes three major components for calculating the balances, these components are current account, capital account and financial account or official reserve account. In order to calculate BOP, if a country has received capital, it is known as credit and if a country has made payments the transfer is refer to as debit.

Therefore, the import transactions come under debit transaction and export are termed as credit transactions.

Balance of Payments of a country = Current Account Balance + Capital Account Balance + Official Reserve Account Balance

Depending on the situation assessed by the analysis of Balance of Payment of the nation, so traders can analyze about the Forex trading.

For instance, the negative current account is balance by the positive financial account like if US having negative current account then from a long time that is financially supported by the positive account the one thing that can be done under such circumstance so that traders can purchase more than the sell is by borrowing money.

Balance of payment helps in analyzing the economic position of the country and thus enables the Forex traders to analyze the trade moves at the Forex trading platform so that they can take forex trading decisions.

In order to understand the core relationship in between the Forex trading and the country's economic condition you need to assess the country's economic condition through balance of payments. Like the recent non-ability to pay off the debts put Dubai in big troubles and the traders have seen the influence of such situation on the Forex trading platform.

In the end, it can be depicted from this article that balance of payment have certain correlation with the Forex trading because the exchange of currencies at the market through respective Forex account enable the traders to add into the country's transactions that further fluctuate the BOP.

Saturday, October 4, 2014


Active Duty Military Verification and Batch Processing: What to Know

In the United States an act known as the Servicemembers Civil Relief Act is place in order to protect the rights of current active military members. The Act restricts certain actions against servicemen and servicewomen such as entering legal judgments, evictions, and repossessions, and also limits the interest rate on certain loans to servicemembers.

Almost universally, courts in the United States will require a certification that a defendant is not in the military before the court authorizes action to be taken against that individual. The Servicemembers Civil Relief Act Centralized Verification Service (SCRACVS) was established to provide a secure website that enables verifications and facilitates batch processing under the provisions of the Servicemembers Civil Relief Act.

The new batch processing service, introduced in 2011, was an important addition to larger scale users.

With this military affidavit batch processing addition it is easy for large volume users to verify active military status, provided that the social security number is presented. If no social security number is presented, the batch processing feature is not available and the verification has to be ordered through the retail site at That retail site is usually able to provide the verification with alternate identifying data such as address, relatives, and phone numbers. The military affidavit batch processing feature was rolled out for lenders, landlords, services and other institutions who may need this information and would like to integrate the results into their own databases. Each batch verification includes a .pdf of the status report supplied by the DMDC of the Department of Defense.

The new military active duty batch processing feature available through the SCRACVS meets the court-imposed requirements for due diligence. Users may either use the SCRACVS reply as a basis for their own affidavits, or the SCRACVS can supply an affidavit. The Servicemembers Civil Relief Act Centralized Verification Service is not a credit reporting agency. It only offers a verification of whether an individual is or was in active military duty on a given date (the "Active Duty Status Date").

Recent changes in the Department of Defense Manpower Data Center ("DMDC") site affect verification requests. Call-ups to duty are now reported. Start and end-dates of active service are now reported, although, for a short while, such information was not available.

For information: Support at or call (202) 462-0600

Wednesday, October 1, 2014


When you need a van for your business you have three options open to you, you can purchase a second hand used van, a new van or take out a lease /hire purchase contract. Purchasing a used van doesn't always give off the right impression of your business to your customers, so for most businesses that leaves the option of acquiring a new van. When you purchase a new van you need a large lump sum as a down payment, followed by monthly instalments until the van has been completely paid for. This means that your business will have to fork out a great deal of money up front, especially if you are purchasing a fleet of vans. The solution to getting the new van of your choice for your business, whilst not having to put down a large sum of cash is leasing.

Leasing allows you to have the van of your choice without having to save a large lump sum for an initial down payment. When you lease a van you are only actually paying for the depreciation of the van over the lease term. The leasing cost is worked out by a calculation that takes into consideration the value of the van, the rental term, anticipated mileage and the depreciated value of the van over the lease term. At the end of the lease agreement you just hand the van back over to the lease company, or should you wish to keep the vehicle you can offer to buy the van outright.

When you take out a lease agreement you have a fixed monthly cost for the hire of the van, this agreement can be extended to include any servicing or maintenance costs as well as break down cover. This means the only running costs you have outside of the fixed monthly instalment is the insurance and fuel costs, which means that you are better able to accurately budget your running costs. No large expensive bills also mean that your business can better manage its cash flow.

It's a fact that as soon as a new vehicle leaves the dealers showroom it depreciates in value. This depreciation is passed on when it comes to selling the van, although the rate of depreciation will vary depending on the make and model of the van and the mileage covered. When you lease a van you don't have to worry about falling prices of second hand vehicles as you simply hand the van back over at the end of the lease term.

If the van is leased by a vat registered business, 100% of any vat spent on the lease can be claimed back if the van is used solely for business purposes. If the van is used for both business and personal used, up to 50% of the vat can be claimed back. This doesn't just apply to the lease expense but also allows you to claim back 100% of any vat incurred on any maintenance package you may have with the leased vehicle.

With no large deposit required for leasing and a reduction in your monthly costs it means that your business can often afford to hire a more expensive van than your budget would otherwise allow. Some of the benefits of purchasing a more expensive van include a more fuel efficient engine which ultimately means a savings on your fuel bill over the duration of the lease contract. A more expensive van will often mean better safety features which may have been something outside of your budget if you had to purchase the van.

If you need a van for your business for the next 3-5 years then it's worth considering leasing your next van as an alternative to purchasing.

Tuesday, September 30, 2014


If you were blessed with long and full eyelashes, finding the right sunglasses can be a daunting task. Sunglasses, which are a must for many, can cause discomfort as well as eyelash breakage if you wear a pair that interferes with your batting eyes. To avoid this you must find a pair of sunglasses that are rounded to fit your face, as well as provide additional space in the eye region.

When you are on the market for a pair of sunglasses that will not interfere with your eyelashes, it is important to avoid frames that fit straight across the eyes. These frames will not allow enough room for your eyelashes and can become quite uncomfortable. Make a fashion conscious and practical investment and consider the sunglasses listed below.

Bug Eye Sunglasses

If you are trendy and want to stay in fashion, consider investing in a pair of bug eye sunglasses. While these sunglasses were originally designed for participants of winter sports, more and more celebrities are wearing this style on a day-to-day basis. The frames are designed to sit on the bridge of the nose and are curved just enough to prevent interference with your eyelashes. There are several varieties of bug eye frames and lenses, from traditional black lenses to more unique red and orange variations.

Rounded Over-Sized Sunglasses

Over-sized sunglasses are very fashionable at the moment, as they cover just enough of your face to protect your eyes and hide your blemishes. There are countless photos of celebrities hitting the streets in rounded over-sized designer sunglasses in an effort to avoid detection from paparazzi. Rounded over-sized glasses are available from several different manufacturers. If you are on a limited budget, value-priced lines also offer their own styles and models of over-sized glasses.

Prada and Coach Sunglasses

Prada and Coach are well known brands offering high quality designer sunglasses, some of which are specifically designed for women with long eyelashes, whether they are natural or fake. If you are looking for an affordable pair of designer sunglasses, you should be able to locate plenty of options by doing a simple Google search. You could also stop by your favorite local retailer and try on some sunglasses manufactured under less expensive brands. If the brand is not a concern, you should be able find a decent pair of sunglasses that will fit around your eyelashes for as little as .


Having long eyelashes is nothing to be ashamed of. In fact, many people pay good money to extend their eyelashes and make them fuller. If you want to find a comfortable pair of sunglasses that will not hinder the movement of your eyelashes, look for curved or rounded frames that do not sit too close to your face.

The good news is that finding these sunglasses has never been easier, as they are the current fashion trend. Visit your local retailer and try on various styles to see which glasses are most comfortable for you. Once you find the right style, compare prices online and get your sunglasses just in time for the sunny season!

Friday, September 26, 2014


Class B motor homes look like pop-top camper vans and are self contained but cramped compared to their big motor home counterparts. The advantage of purchasing a Class B motor home is in terms of handling and size that is if you don't want spacious motor home. They are usually promoted as a place to sleep more than what is deemed comfortable by most people. The class B motor home can also be used as a second car. Its price ranges from ,000 to ,000.

Uses of Recreational Vehicles - The use of recreational vehicles offers a few advantages. Traveling is less expensive. You do not have to worry about where to stay for the night as with the RV, you are just at home. There's flexibility and a sense of freedom of being on the open road. You can go anywhere and anytime you feel like it. You can travel light or bring along some amenities that will make your travel more comfortable.

Class B Motorhomes are also known as Campervan and are having the unique feature of making the insiders quite comfortable and relaxed as anyone can have their longer journey with the family and more of the luggage with the given space inside.

Class B Motorhomes are not only spacious but also are the luxurious choice for the buyers as they are reasonable in prices and having almost all the facilities which can be added in any of the luxurious homes!! So, very truly it can be said that Class B Motorhomes are the most lavish and at the same time most affordable Motorhome type which obviously make them as one of the most popular and searched vehicles of the automotive industries!

Frame Rail and Semi-Monocoque: The chassis under all Class A motorhomes today starts out as a basic Frame Rail, as the picture above shows. 99% of all RV manufacturers will take the basic frame rail chassis and incorporate cross braces and bridge-like construction in the bottom half of the chassis, so the strength lies not in the narrow center of the frame, but throughout its weight distribution. By doing this, the steel structure absorbs and resists the twist and turns of the road ahead without relying on non load-bearing components to do the work. This advanced engineering is challenging and time consuming but results in a safe, reliable and high-performance motorhome. This type of chassis is referred to as, Semi-Monocoque.

Class C's range in side from 22 to 35 feet. With a starting rice, the class is affordable and you can get RV loans from either your bank or online. That is a good price for a new RV but if that is out of your range, consider looking for a used Class C for sale by an owner. You can save a lot of money this way since private owners are likely to be easier to bargain with.

The bus conversion is another RV type. It is actually a typical passenger bus installed with luxurious furnishing necessary for comfortable living on the road. Bus conversions are usually the biggest motor homes in the market. There's also the Class B camper van. This is built using the typical van chassis with either a built-in coach at the back or a raised roof line. Another type of RV is the popular truck camper with back wood enthusiasts and hunters. The truck is converted into an RV by letting a camper temporarily go into the chassis or bed of the truck.

Sunday, September 21, 2014


Those people who are physically challenged ones and have no other source of income other than the benefit amount they get from the DSS, they too can borrow money instantly when some emergency strikes or an unexpected bill is to be repaid. Payday loans for people on benefit are such products that these people can instantly avail. The loan money is made available to them within 24 hours.

Payday loans work on the basis that a borrower gets a monthly paycheque regularly for past few months at least. In the case of the physically challenged people, though they do not go anywhere to work but they are getting a fixed amount of monthly or bi-weekly benefit amount from the Department of Social Security. This benefit amount becomes the basis of approving of the loan for them.

Through payday loans for people on benefits, the borrowers can avail up to 500-1000, depending on DSS benefit amount and their overall repayment capability. They should be having a minimum of 500 in their savings account. Like other payday loans, these loans are also approved for two weeks and the repayment date is fixed as the date of getting your next benefit amount.

Payday loans for people on benefits do not allow bad credit history of the borrowers come in the way of fast approval of the loan. Even with late payments and payment defaults, a borrower can avail the money quickly.

However, because of short-term and lack of security, the lenders charge interest at little expensive rate. High APR many put the next benefit amount under the stress as well. So, borrow from a lender who is offering payday loans for people on benefits at competitive rates. Even a little lower rate of interest can save of lots of money. Compare the lenders before you settle for the deal.

Thursday, September 18, 2014


Oftentimes, people with bad credit assume that getting a ,000 personal loan is pretty much impossible. With bad credit, they think, no lender will even talk to me. However, what these people fail to realize is the importance of factors other than credit in the assignment of a loan. Though personal loans are inherently more risky than secured loans like home and car loans, borrowers with bad credit can still acquire them if the frame their application in a way in which promotes the reason for getting the loan in the first place rather than their bad credit history. This is the key to securing a ,000 personal loan with bad credit which will be discussed in detail in this article.

The Importance of Purpose

When it comes to lending money, professional lenders are concerned with a number of factors surrounding that money. Though credit is among these factors, it does not exist alone. In addition, the lender wants to know what the borrower intends to do with the money he takes. In the case of a secured loan, like a car loan, the ,000 is obviously going towards the purchase of a vehicle which is most likely needed. However, personal loans are not so closely tied to their purchases and many times lenders fear that those with bad credit intend to use the loan for the wrong reasons.

Basically, a lender wants assurances that the ,000 personal loan they offer to a person with bad credit will be used for a responsible reason. Loans that are taken out to consolidate debt or to pay medical bills qualify as solid loans. However, looking for a ,000 personal loan to finance a vacation is not such a good idea. Especially with bad credit, personal loans need to be used only as a last resort and the reasons for taking it should exhibit your responsibility as a borrower, not the reasons for your bad credit in the first place.

How to Include Purpose in a Loan Application

At first, trying to convince a lender to give you a ,000 personal loan with bad credit based on your application alone may seem impossible. After all, most online applications are pretty straightforward. This is where planning and anticipation come into play. If you fill out an online form and leave it to chance all you are likely to get is rejection. Instead, consider ways to integrate your purpose into your application consideration through a follow-up email or, even better, a phone call. By making your needs known to the lender you become a human that is more likely to receive sympathy rather than just another borrower with bad credit looking for a personal loan.

Using Your Loan

A final factor to consider when looking for a ,000 personal loan is the long term implications of taking on more debt. It is important to understand that, even if you get this loan with bad credit, you will still have to deal with the realities of your financial situation. Personal loans are really only temporary bandages, not long term solutions. Consider talking to a debt specialist about your previous issues that led to your bad credit score in the first place. Also, be aware of your budget though careful spending and accounting which takes both current and future payments into perspective.

By taking the time to assess your situation and assert your desire to spend and borrow responsibly, getting a ,000 personal loan with bad credit is a possibility for you. It is all reliant on how you frame the argument.

Tuesday, September 16, 2014


The most obvious reason to use a credit card bin search is to help reduce chargebacks. If you are an online seller that needs assurance that they will not fall prey to credit card fraud, then it is in your best interests to take a closer look at the benefits of using a credit card bin search.

Reduce chargebacks

A credit card bin search can do a lot to help reduce chargebacks and in addition, can help to prevent internet based attacks on an online business or store. Chargebacks are operations that a credit card holder requests to be compensated for any monies that they have lost on account of fraudulent online transactions involving credit cards.

Reduce the likelihood of credit card fraud

By visiting a credit card bin search site, you can reduce the likelihood of being defrauded through use of fraudulent credit cards. A good credit card bin search site is one that can provide you ready access to the best credit card bin numbers database.

Exhaustive list of certifications

This database holds an exhaustive list of certifications for all banks that issue credit cards in any part of the world. In addition, the list also contains vital information regarding the credit card type, issuer and the country of origin of the issuer. The basis on which the list is created is a collection of first six digits of the credit card. These numbers are unique and make up the BIN or bank identification number. They can then be used when making a credit card bin search.

When you perform a credit card bin search with a credit card BIN numbers lookup system, it will check to see whether such a card is present in the database. If the credit card bin search shows that it is, then it will provide information related to the credit card. This information can be used by the merchant to check if the card is genuine.

For example, when the merchant enters a credit card bin search number related to a credit card that is of American origin but which is being used in China, then the credit card bin search will provide information to help validate the card. Unless the numbers all tally, you cannot be sure that the credit card is a genuine one. In such a case, the merchant must decline the transaction saying that the credit card bin search flagged the card as being suspicious.

It is up to the merchant to decide which kind of list should be used for the credit card bin search. There are both free lists to choose from as well as paid ones. The paid ones are however better as they are more likely to store accurate and complete information and this in turn helps ensure that the credit card bin search will provide more reliable results.

Even if you do opt for a paid list, you do not have to pay the entire fee as you can purchase only the amount of features that you think are necessary for your particular credit card bin search needs. In this way, you can save money and yet tap the BIN database in the most effective manner .

Friday, September 12, 2014


Now is the time to buy real estate in many markets. In fact, if you are considering making the investment now, you may find prices are exactly where you want them to be. The key here is that there are numerous properties on the market and not all of them are priced right. To get the best value for the home you want, it pays to have an expert by your side and to do some research before making that buying decision. You may find it is possible to get an affordable property that has all of the features you want and need.

Hire an Agent

As a buyer, hiring a real estate agent is not going to cost you anything. Rather, the seller usually pays for this service. That means that there is no reason for you to go without the expert help these professionals can bring. When the price is a factor, alert your agent to what you need and expect. This means considering your budget and what you plan to put down on the purchase. You also will want the agent to be looking for deals for you. This includes short sale and foreclosure properties. These properties are not necessarily in bad condition but they need to sell quickly so they are priced as such.

Tips for Getting a Lower Price

When it comes to getting a lower price, there are plenty of ways to do just that. If you plan to pay cash and close fast, that could be an incentive to many sellers to offer you a better price point. It could mean more interest from sellers, too. You may be able to get a lower purchase price if the property's value is not as high as what the asking price is. For example, if a home needs significant repairs, it is often possible to get a lower price for it by pointing out the cost of repairs to the seller. This could mean a big savings in some cases if you are willing to take on the work.

Negotiating the deal is something best left to the professionals. With their skill, you may be able to get a lower price just by having an agent that is good at his or her job. There is no doubt that this is important to you but having skill in negotiating can make all of the difference.

Real estate is worth investing in. In the long term, it can usually translate into a great deal for you as property tends to increase in value long term. However, even if you plan to flip it quickly, having a team of professionals working for you to help you to find the right property and then get it for the right price matters a great deal.

Sunday, September 7, 2014


CPAs are true knowledge workers, so it is no surprise that CPA CPE is required. In the accounting profession, there is so much to know, and much of it depends on the specialty, goals, and aspirations of the individual CPA. For planning purposes, there are three categories of skills for CPA CPE: 1. 'technical skills' in one's specialty, 2. 'hard skills' in adjacent or objective business domains, and 3. 'soft skills' to support the people side of being a CPA. Here's some detail on each.

Technical Skills for CPA CPE
By technical skills, I am talking about the areas related to the CPA's specialty. Some of these skills are broad in nature within the accounting field, such as accounting for capital budgeting, or budgeting in general. But more often than not, they involve expertise in accounting rules, usually involving changing legislation as well as best practices, in certain specialties. For example, one CPA may want to deepen and maintain up-to-date knowledge about estate taxation. Another may need to keep abreast of accounting rules and unique business structures in, for example, the oil industry. Still another may be intensely involved with international business and need in depth knowledge about accounting for cross-border transactions.

CPA CPE for Objective Hard Skills
Separate and distinct from the technical skills are hard skills in areas like software, such as MS Office, accounting software, or even enterprise management software. Other hard skills include business skills such as project management, portfolio management, business analysis, Six Sigma, and much more. These skills are not core to accounting itself, but can make a CPA more effective and potentially enable and support new business objectives.

CPA CPE for Soft Skills
Soft skills are critically important, and working with clients, within a large or small business, or in the public domain demands top soft skills. Indeed, it is well-documented that a large - maybe even vast majority - proportion of success is determined by soft skills. These skills include leadership, communications, team building, and even related areas such as public speaking and writing.

Personalizing an Approach to earning CPA CPE
A CPA has about 40 hours to work with each year for continuing education. Ideally, this will be accomplished by some sort of combination of technical CPE to support the specialty, hard skill CPE to support broadening of skills into objective areas, and soft skills to support accomplishment of ALL goals. The good news is that there is plenty of training out there to achieve all of these objectives and earn CPE at the same time.

One More Thing
The 'multiple sources' strategy is something that brings great advantages to those that use it. A 'multiple sources' strategy refers to the idea of learning a subject form multiple angles - which can be achieved by studying the material from multiple sources. As each of these sources will usually approach the subject from a different angle, enabling the learner to deepen understanding of the subject. While many materials - including the online training that we provide - incorporate this type of learning by portraying different angles, it is up to the individual to decide how they will approach this.

Thursday, September 4, 2014


Web scraping involves extraction of data from websites and converting them to usable format. There are many web scraping tools designed specific purposes like white pages scraper, amazon scraper, email address scraper, customer contract scraper etc. Google scraper is one such web scraping application which is used to extract google search results. The web scraping application will gather useful information from search results of Google which can be helpful in preparation of prospective databases with potential customers, email lists, online price comparison, real estate data, job posting information and customer demographics. Many people nowadays use web scraping to minimize the effort involved in manual extraction of data from websites.

You can find the details of customers in particular locality be searching through the white pages of that region. Also, if you want to gather email address or phone numbers of customers, you can do that with email address extractor. Google scraper will be useful to scrape google results and store them in text file, Spread sheets or database. The data scraping is automated function done by software application to extract data from websites by simulation human exploration of web through scripts like Perl, Python, and JavaScript etc. The data scraping could be great tool for programmers and can have lot of value for the money.

Also data collected through web scraping tool is accurate and ensures faster results. You can use this to collect email address of potential customers for your email marketing campaign to promote your products. You can search for relevant information about customer products. If you want to download images of products you can just enter the relevant keyword and google scraper will automatically extract the data from you google images page. You can generate sales leads and expand your business by using web scraping tools which can save lot of time and money.

Monday, September 1, 2014


With a bankruptcy looming large on your credit history, you are probably anxious to start getting more positive indicators on your report. This is a good thing. You can do this by getting a new credit card or taking out a personal loan. A lot can be said for either avenue, but you will have to take a good look at your current financial situation to figure the option that would work best for you.

Personal Loans

A personal loan is kind of a friendly peg onto which a variety of financial instruments can be hung. Amounts can vary widely, as can interest rates and repayment terms. Usually, right after bankruptcy, your chances of finding a decent loan with acceptable rates and terms can be pretty difficult, but not impossible.

Bad Credit Loans

You may have to enter the world of private lenders and bad credit lenders. These loans can carry interest rates and terms that would make a loan shark blush, but they can improve your status if they are paid off as stipulated in the contract. Also, since this market is tuned to borrowers with bad credit, many lenders act as if they are doing you a great big favor. They prey on the unworthiness and exasperation of their borrowers. Check the credentials of any lender you may approach thoroughly. If you sense the Big Favor syndrome, find another lender. Honest lenders willing to make bad credit loans are out there.

Credit Cards

Just as with a personal loan, landing a good credit card deal with appropriate interest rates can be a struggle if you are fresh out of bankruptcy. But that is okay. You can fall back, calm yourself, and seek the alternative. Also, if you are having trouble landing a credit card, it could be that you are applying around too much. Making multiple applications over a short period of time will only heighten a lenders concern that you are credit hungry. Credit card issuers do not like to see that. Some issuers will deny a card just on the basis that you have been denied elsewhere.

Bad-Credit Credit Cards

If your are stymied in your quest for a regular credit card, you should consider a secured credit card. They work in very much the same way as regular credit cards regarding where they are accepted and how they report to the various credit agencies. They just require a security deposit which can range from 0 to 0. That deposit sets your spending limit. The deposit is never used toward payment unless you default, and you are expected to maintain your monthly payments according to agreed-upon terms. Benefits will be apparent on your credit reports within months.

Find a Method and Make It Work

A small personal loan and a secured credit card are both worthy ways to rebuild your credit. Some folks take out a small personal loan, put the loan amount in a special account with automatic payments to the lender, and let it lie until the loan has matured. They have in essence used loan money to improve their chances of getting a loan. Two or three times of this sort of activity can go a long way to rebuild a credit history. Just remember, no matter which avenues you choose, there are shysters out there who will play on your post-bankruptcy emotions to steal your money.

Saturday, August 30, 2014


The basic and primary function of exchange market is for the transfer of purchasing power between countries. The transfer is by TT, MT, draft, bills, credit cards, etc. The foreign exchange is the most important and most effective purchasing power between the two parties held in different countries.

There are another function of exchange market in the country. The main function and main foreign exchange market is the money from one country to another country money. The second objective of exchange for the security risk. What are the results of exchange rate changes constantly. If every tourist goes to another country for any purpose, it should be his motto in the currency of the country where it needs money to change the various function of exchange market. The exchange rate is the phenomenon that a country's currency in the currency of another country is carried out. Thus, the effect is the country in many respects.

A foreign exchange market is a place which is foreign exchange transactions take place. In other words, there is a market where foreign funds are bought and sold.

Exporters claim the points for importers on their bankers. Currency hedging market assumes the role as regards the risks of foreign exchange. There are frequent fluctuations in exchange rates. To reduce the risk that the market for foreign currency hedging or actual damages caused by futures contracts in exchange for these fluctuations. Agencies of foreign currency to pay foreign currency at a fixed interest rate. Exchange offices bear the risks of fluctuations in exchange rates.

Thursday, August 28, 2014


Loan modification is still the #1 best alternative to foreclosure. But getting one through requires some little-known information and strategy. You've got to know what the banks are looking for, and how to fill out the paperwork so you not only qualify for loan modification, but get in on those unheard of two and three percent interest rates that can make your monthly payment go down by as much as 40 - 50%!

Banks are allowing some pretty unbelievable workouts with unheard of low rates. Has there ever been a time when you got a 2% interest rate! That is happening everyday to some people. Will you ever have this opportunity to lock in these silly low rates again? Probably not, so take your loan modification paperwork VERY seriously and don't talk yourself out of your own modification.

If you're one of the millions who make up 1 in 7 homes in foreclosure or default, then what you're about to learn can stop your foreclosure and substantially reduce your monthly mortgage payment giving you the financial relief you need to stay afloat and stabilize your life with lower mortgage payments now and over the long run.

The main problem - and what stands between you and a modified lower monthly payment has been perfectly summed up in this recent Los Angeles Times article

Getting loans through the system to the modification finish line is tough for banks and loan servicers, says Douglas Potolsky, Chase Home Lending senior vice president. The main obstacle, he and other banks say, is borrowers who don't properly complete their paperwork.

The trick is to know how to fill out the darn paperwork so you don't talk yourself right out of your own modification!

90% of the loan modification requests are not going through because people fill out their paperwork to their DISADVANTAGE. They either disqualify themselves because they show they make too much, or too little, to afford the NEW modified payment that's the lower one that's based on the 2% to 4% rates that bank can give you in modification, but won't if your financials and other paperwork pieces qualify for this payment.

90% of the people who fill out the paperwork for loan modification do not know how the banks are looking at their numbers and story. Banks actually have a couple of formulas they work by when calculating your financials in relation to your hardship letter, pay stubs, checking account statements, and past 2 years of income tax returns. You must make all of these pieces jibe together for one consistent financial hardship story.

Basically this is how you want to fill out the main two pieces of paperwork for loan modification the hardship letter and financial worksheet:

1. Hardship letter: Be consistent and make sure the hardship story and the numbers you provide on your financial worksheet make one strong, consistent picture. In about 1 1 pages, make sure you give the following information in this sequence:
a. Include your loan number at the top
b. ASK for a loan modification in the first sentence
c. Make it evident that you are capable of earning consistent income, but right now, your hardship is making your mortgage - and life - unaffordable. Tell them you need help
d. Explain with emotion all of the reasons you're in hardship. Banks are especially looking for things like reduced or lost income from one or more household members, increased expenses that were unexpected or unavoidable, a medical problem that left you sick or disabled and from earning income, and/or caused increased expenses, etc.
e. ASK FOR WHAT YOU WANT ask for a low interest rate (2%-3%) for the first 5 years while you get back on your feet; and then ask that they stretch your loan term out to 40 years; and that the remaining 35 years be at 4% to 5%. Use an amortization calculator (search online) and calculate what your payment would be at 2%, 3%, 4%, and 5%. Tell them that you CAN afford payments based on a 2%, 3% right now, and that later, because of better work projections or opportunities or whatever reason that you can later afford a payment based on 4% or 5%. I always ask for 2% for the first 5 years and then 4% to 5% for the rest of a 40 year loan when I help people fill out their paperwork.
f. Close with a sentence or two that tells them you want to keep you and your family in your home (mention of kids if you have them helps) and that you want to avoid foreclosure and further damage to your credit.

2. Financial worksheet/Personal budget: Get this form from your bank. Your modification will go through faster and cleaner is you use the banks form instead of making your own Excel spreadsheet. One of the banks formulas I was telling you about comes into play when they review your financial worksheet. This is where most people blow their chances for getting a modification. The banks are looking to see that you can afford the new, modified payment the one based on 2% or 3% with about 0 to 0 left over. This is a fine line between showing that you don't make too much or too little to afford the modified payment. This is how you get to that balancing point:
a. For now, where you see the line to write in your monthly mortgage expense, do not put in your current payment. Put in the modified payment you're going after the one that you calculated with the amortization calculator at 2% (or 3%) or somewhere in between. This is a temporary placeholder for the purpose of getting the sum of this payment plus all your other monthly expenses minus your monthly income to come out to about 0 - 0 left over. Then, before you fax in this worksheet with your other paperwork, make sure you erase that lower mortgage payment that served as a placeholder to make all of your numbers jibe, fill in your actual, current mortgage payment. Or make a copy of the blank worksheet like I do then it's clean as a whistle.
b. Write in your income and all of your other expenses. The trick is using some of the categories that are not easily tracked like your monthly food, gas, and credit card payments that you can increase or decrease if you need to get your end balance to be at that 0 - 0 left over after Income minus Expenses. Realize that they will be cross-checking the numbers on your financial worksheet with your checking account statements (you submit the past two months checking and savings bank statements). Realize too that if you have a bunch of money (over ,000 or ,000 sitting in savings), that the bank will see this as a place you can pull from and pay them.

Most people don't understand what's behind the banks strategy and that they are indeed debt collectors! They want to make sure you can pay or they're not going to give you a new loan (modified loan). People don't realize what they should ask for, what to say ... and what not to say ... or how to talk to their bank to get the right story on record. Because they don't have this critical insight, many are losing out on the best loan modification opportunity of the century.

I help and counsel people through loan modification, and have an eBook that outlines steps to modification and virtually every other option you can take to avoid foreclosure in my book called, How to Survive Foreclosure or Avoid it Altogether.
Learn more at

How to Survive your Foreclosure or Avoid it Altogether

Wednesday, August 27, 2014


To resolve Income Tax related tax issues of the taxpayers, the Government has created office of Income-Tax Ombudsman. The officer designated as Ombudsman hold independent jurisdiction and work as autonomous authority.

The Government has so far set up twelve offices of Ombudsmen. They are stationed in Mumbai, Pune, New Delhi, Ahmedabad, Chennai, Bangalore, Kolkata, Hyderabad, Kanpur, Chandigarh, Bhopal and Kochi.

The jurisdiction of the ombudsman is highly restricted; however, they can help the taxpayers in resolving issues such as
(i) Income Tax Refunds matters.
(ii) Refusal to acknowledge letters / communications sent to the department.
(iii) Erroneous demand matters / assets attachments causing harassment to assessee.
(iv) Scrutiny selection procedures and failure to communicate reasons thereof.
(v) Cases related to interest waiver, rectification applications, appeal effects etc.
(vi) Release of books of accounts and asset after the completion of the proceedings.
(vii) Issues relating to refusal to allot Permanent Account Number.
(viii) Tax credits and adjustment relating to TDS.
(ix) Conduct of proceedings beyond working hours at the IT offices.
(x) Impolite behavior of the officials.
(xi) Matters concerning circulars of Central Board of Direct taxes about the Income Tax administration.

However, the ombudsman will not interfere in the proceedings if the issue requested to be settled is already under an appeal, revision, reference or writ.

Application to Ombudsman The Ombudsman reconciles disputes / issues between the department and assessee. The decision of Ombudsman is referred as Award'. The application to resolve an issue can be filed by the aggrieved assessee himself or through his representative. The application should be signed by the taxpayer or his legal representative bearing the name, address and permanent account number of the complainant. The application should also state the details of the official against whom the complaint is filed. The reasons for the application of complaint should also be mentioned therein. The necessary documentary evidence can also be submitted along with the application. The application must contain the details about the date on which the assessee first complained to the income-tax authorities and its result. The application can be filed through personal submission / post / E-Mail. E-Mail complaints can be signed at the time of proceedings in the office of Ombudsman.

As a prerequisite, the applicant must first prefer compliant to higher authorities of the official being complained. The assessee must wait for at least 30 days for the action of the superiors before approaching the office of Ombudsman. Assessee should also restrain from filing compliant which is frivolous or vexatious.

The complaint should be filed within one year from the date of the reply of the department to his representation. If no reply is received, it should be filed within thirteen months from the date of representation to the Income Tax Authority.

On receipt of the complaint, the Ombudsman will send a copy of the same to the concerned officials and try to reconcile the issues through mutual understanding of both the parties. If amicable settlement is not working then, Ombudsman can pass a decision called Award. The award should be in line with the documents available on record and the tax laws. The Ombudsman can also instruct the concerned officials to release payments and also to apologize to the taxpayer. Ombudsman can also award monetary compensation upto Rs. 1,000.00. The Income-Tax authorities are given one month's time for the implementation of the award.

The compensation amount which is subject to a maximum of Rs. 1,000.00 is paid by the Income tax department out of the budget allotted.

The decision pronounced by the Ombudsman should be accepted by the I-T department. However, to comply the order, complainant must send his acceptance to the order within 15 days of the receipt of the award letter. Otherwise, the award shall lapse and be of no effect.

The ombudsman keeps record of various taxpayer problems. The information is periodically submitted to the Central Board of Direct Taxes and the Finance Ministry. Ombudsman also reports to the CBDT about the officials found to have defaulted in their regular duties.

Details of Ombudsman offices
1. Delhi: 011, Room No 251, Central Revenue Building, I.P. Estate, New Delhi-110002, E-Mail: delhi-
2. Kanpur: 0512 (U.P&Uttarakhand), 110/25-26, 80 Feet Rd., Kanpur, E-Mail: kanpur-
3. Kolkata: 033, Aayakar Bhawan, P-7, Chowringhee Square,Kolkata-700069, E-Mail: kolkata-
4. Mumbai: 022., 115, Mittal Tower, B-Wing Nariman Point, Mumbai-400021, E-Mail: mumbai-
5. Kochi: 0484, Income Tax Ombudsman, 7th Floor, Kera Bhavan, SRV H.S. Rd., Cochin-682011, E-Mail: kochi-
6. Hyderabad: 040, Room No. 819, Aayakar Bhawan, Basheer Bagh, Hyderabad-4, E-Mail: hyd-
7. Chennai: 044, Income Tax Ombudsman, R.No. 317/319,3rd Floor, Aayakar Bhawan, 121, Mahatma Gandhi Road, Nungambakkam, Chennai-34, E-Mail: chennai-
8. Bangalore: 080, 4th Floor, A' Wing,Kenderiya Sadan,Koramangala, Bangalore-34, E-Mail: bnglr-
9. Ahmedabad: 079, Room No. 104, 1st Floor, Nature View Bldg.,Ashram Road, Ahmedabad-380009, E-Mail: ahmd-
10. Pune: 020, Aayakar Bhawan, 12, Sadhu Vaswani Road, Pune 411 001, E-Mail: pune-
11. Chandigarh: 0172, C.R. Building, 3rd Floor,Sector 17E, Chandigarh, E-Mail: chd-
12. Bhopal: 0755, E-7/511, Income Tax Guest House, Areara Colony, Bhopal-16, E-Mail: bhopal-

The Author, CA A. K. Jain, can be contacted at, 21, Skipper House, 9, Pusa Road, New Delhi 110005, Mobile No. 98-100-46108, E-Mail:

Saturday, August 23, 2014


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Filing for bankruptcy is not really the end of the world. You can successfully overcome it. Securing a bankruptcy loan is one way of regaining your financial strength. This will help you get your own house and automobile, even after you are declared as bankrupt.

So before you start looking for a loan, take a look at your current loans' terms. Write down interest rates, current pay off dates, and annual fees. This will give you numbers to compare against.

The loan may be repaid in a comfortable larger duration of 5 to 25 years. In order to escape the pitfalls on debt route, shorter repayment term should be preferred by the borrowers. A larger repayment term with easy installments of a lower amount looks attractive initially but borrower may end up paying more on the interest than he had signed for.

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Personal loans unlike other loans are not specific for property holders or tenants; on the contrary, all classes of people can obtain it. Whether a person is having good credit history or bad credit history, personal loans are always there to help you all.

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