Thursday, May 29, 2014


If you're searching for hotels for sale in USA, you may have most likely to make a decision initial the placement desired by you. There are varieties of opportunities offered to you if you want to enter into the business of hotels and you will find variety of hotels for sale in USA at prime locations. Variety of fantastic opportunities offered include well furnished, recently designed or recently renovated, having sizable amount of rooms, having well furnished high capability conference halls, sensible quality swimming pools, garden, lawns among different specialties offered in hotels.

With the appearance of net, the display and data of all such hotels for sale in USA is definitely offered at variety of internet sites. You'll be able to find several property dealers or property agents having websites and delivers the information of hotels on-line. There are good quality software that provides you every and each view of the hotel lobby, hotel rooms, swimming pools, reception and even of restaurants which too at on-line. The internet view of the hotels for sale in USA is showed on the property dealer's website once paying a nominal fee for display and also the property dealer assures the correctness of the property before displaying it on net.

Property dealers concerned in the business get complete info of hotels for sale in USA and once satisfying themselves with the title deed of the property show it for sale. The property dealers someday show the asking value of the hotels however plays a crucial role in negotiating the value. Property dealer's role is immense and may not be forget by the owner as most of the property dealer have glorious communication ability and obtain the customer convinced additional simply. Property dealer are liable for complete transfer of the property title in favor of the customer and in lieu of their services charge a good quantity from each the customer and seller.

The online views offered at internet cannot continuously be trusted and on just viewing the property online, no decision ought to be made. The additional analysis of the property should be done on the idea of its personal inspection and its creating business. Property dealer or property agent usually invitations you for physical inspection and also the location of some hotels for sale in US and you must take your decision regarding the placement moreover because the interior or suitability of a specific hotel for sale. Though there are a number of hotels for sale in USA and not all of the hotels are going to be appropriate for everybody, a well-taken decision in favor of an appropriate and profit-making hotel may change your lifestyle forever and you will flourish.

Sunday, May 25, 2014


Fashion dictates that when attending certain events a woman be adorned with the best that money can buy. Making an impression during a job interview or an elaborate date or even when going on vacation a woman that is dressing up for the special moments in her life can accessorize her wardrobe with a series of designer handbags and purses that reflect her taste for quality and style. However, due to the costs that are associated with the various products that are imported from designers all over the world many women find that they are limited by the accents to their outfit. However that does not have to be the case any longer. Rather than spending hundreds or even thousands of dollars on the purchase of a single purse a woman that knows fashion now has the choice to rent designer handbags instead of buying a new clutch to go with each dress or item of business attire in her wardrobe.

Being able to rent purses a woman that wants to have a high end accent added to the designs in her wardrobe can find that designer bag rentals offer a solution to the dilemma of purchasing a Prada or Gucci purse that is valued more than the entire ensemble that she is dressed in. While some women purchase a knock off imitation of the designs from Channel or Salvatore Ferragamo there are many money conscious individuals that make it a point to rent the luxurious items that they would like to own to mark the most important events in their life. For a woman that is getting married and going away for her honeymoon the addition of a designer handbag can make her travels more rewarding as she is treated to a vacation with her new husband.

Attending charity events or balls or just allowing herself a small indulgence in the finely crafted textures of leather that are created from the designs of Versace and Louis Vuitton a woman that is dressing for success or sophisticated elegance can afford to accent her wardrobe choice with a complementing purse that lets the world know she is someone that has discerning taste and style. Even though she not own the handbag that is carried on her arm, a woman that knows when to add the right touches of class to her outfit can find a selection of designer bag rentals that can make her look and feel like a winner. Taking advantage of the choices in labels that are available from the online rental agent women across the country can take a moment in their life to enjoy the luxury and elegance of the name brand designer fashions that are being rented to woman who know fashion.

Wednesday, May 21, 2014


In the past you worked for a business and every month you got paid on the mark and everything was okay - not great but you had no doubts. The boss drove up in his shiny pristine car; while you drove around in your ten year old rusty banger - evidently he was doing fantastic compared to you. Clearly it's time for a change; and the single person stopping you is yourself! Start-up your own auto sales business pronto! Working your own auto sales business is probably something you have thought about for many years; however what has prevented you before? It is understandable that being your own boss may well be the hardest thing you ever do, except imagine the rewards.

So how do you run a new venture? You've constantly been the one who is told what to do. Now the shoe is truly on the other foot - you give the orders now. But what commands do you give to your staff? What signals do you dispatch? How do you recognize if what you are doing or saying is the proper thing for your new auto sales business? It was uncomplicated in the past...the boss spoke...and you fulfilled what he/she said and you got rewarded at the end of the day. Having your own venture is a little harder, if you get things incorrect now, not only will you not get rewarded (or get remunerated less), your lack of decisiveness could impact in the negative upon your workers.

Be shrewd when operating your own business - for definite you want to make wealth, but not at all costs. What are the costs of business compared with just being a member of staff? You have more duty to yourself, your household and employees if you have any - they are all dependent on you for their financial security. Scary! Operating your own business normally means working longer hours and you may perhaps not make any money from working those longer hours where in the past you may have got paid per hour/day. A guaranteed wage!

However having no financial worries is a great comfort though.

Having something to attest is also a fantastic motivator. Having a spouse,parent,sibling or other noteworthy person that is thriving in business creates a vast motivation for others to try. Not out of a feeling of competition but for the reason that it is understandable to have a feeling the pleasure people get from running their own business, and their own lives.

In actuality there are continuously a combination of features at play and no 2 individual entrepreneur fit the same mold; in a considerable organization people become institutionalized although with your own business you get to do stuff your own way and sway the staff you have (assuming you have any).

Splendid auto sales businesses are designed that way by people just like you. Entrepreneurs succeed because they plan to be unbeaten, they take the time to bring about how they want their business to be; they prepare it that way and take significant pleasure as their dealings and their life begins to agree with their dreams.

Open your auto sales business today!

Monday, May 19, 2014


Take a look at the art teacher cover letter example provided here for your reference, along with some tips on writing one effectively.

An art teacher is someone who not only has the ability to create varied forms of art, but someone who possesses the ability to impart wisdom to others on creating it too. An art teacher has to be very giving, as teaching someone to become as good as her/himself is something that requires a big heart. You, as an art teacher are required to possess these skills and list them on your cover letter too, if you are someone who is seeking a better, more challenging job. Your level of experience with various age groups and your skill in teaching are valuable assets that should be clearly stated in a cover letter to your potential employer. This is what a job such as that of an art teacher demands, honesty and a pure passion to learn and teach. Here, we provide you with a cover letter example for an art teacher, that you can refer to, to write an effective cover letter yourself.

How to Write a Cover Letter as an Art Teacher

While writing any cover letter, always remember that you are attaching a resume that speaks of your qualifications. As such, these don't need to be repeated in the cover letter. To write a good cover letter, keep the following tips in mind:
1. In the first paragraph, mention how you got to know of the job opening. It could be through an advertisement or through a reference. Mention the name of the source in either case.
2. In the second paragraph, mention your method of teaching and your experience interacting with different age groups. Mention what you are best at, but also mention your other capabilities.
3. In the final paragraph, confidently state that you fit perfectly into the requirements of the job and seek a meeting with the person in charge.
4. Use persuasive language throughout. Read and reread the letter to see if you would be convinced enough to hire yourself for the position.
With these basics in mind, here's the sample you can refer to.
Sample Cover Letter for an Art Teacher
Your Name
Address Contact Number: 0000-0000 E-Mail Address


Contact Name (Name of Hiring Manager)
Contact Designation
School Name
School Address
School City, State, Zip

Sub: Application for the Position of Art Teacher

Dear Ms./Mr. Last Name,

I have been made aware of a job opening for an art teacher at your esteemed school by Ms. Stone, who works at your school as a History teacher. I am writing to you to apply for this position.

I am a certified art teacher with 7 years of work experience instructing students of all ages in the field of art. Though I have a special interest in pottery, I am capable of teaching various types of art such as watercolor painting, oil painting, and charcoal sketching. I also have experience in teaching photography to high school students. My method of instruction is simple. I only teach technique to students; I never tell them what they should create. Art is highly subjective and a figment of one's imagination, which I believe should not be deterred by instruction. I try my best not to deter students from taking up art projects at any level, even if they are only beginners. It is only through trial that a person understands her/his capabilities. The freedom to create is what forms the basis of my instruction in the vast and beautiful field of art.

I presume that these skills are what you are looking for in an art teacher. As such, I have attached my resume for your perusal. I would also like to arrange a meeting with you on May 23, 2011, should you find it convenient. I will call you to confirm this on May 20, 2011. Alternately, you may contact me on the aforementioned number or email ID to discuss this wonderful job opportunity further.

Thank you for your time and consideration.




Encl: Resume

As you can see, this cover letter is brief and to the point. It explicitly states the teacher's capacity to teach in a different and unique manner. These are points that cannot be mentioned in your resume. As such, you must use your cover letter to its fullest potential to get yourself that job. Good luck!

Saturday, May 17, 2014


For the past few years, interest rates have been quite low, causing many people to borrow large amounts of money for a variety of different expenses. Now these interest rates are about to rise, and they will have a large effect on the personal finances of many borrowers. How do these interest rates affect you? What can you do to prepare for rising interest rates? In this article I will answer both of these questions.

When Do Interest Rates Rise?

When the Federal Bank increases the interest rates, the cost of mortgages, loans, and credit cards are also increased. Because the average American household owes at least ,000 in credit card debt, they will be heavily effected the rising interest rates. If you are having a difficult time making your payments every month or are only making the minimum payments, it can be very difficult to pay down the principle when the interest continues to increase. In a situation like this it could take many years to pay off a loan.

Don't Be Depressed

Even worse, if the economy suffers a major depression similar to what occured in 1929, banks and loan companies may begin calling in debts in order reduce their losses. This means that customers will be forced to pay back everything they owe up front, and if they can't their homes, cars, or other valuables could be taken from them. While this may sound extreme, history has a way of repeating itself. It is important to make sure you do everything you can to protect yourself and reduce the amount of debt you owe.

Try To Pay Your Debt Early

One thing you will want to do is start paying more than just the minimum payments. As the interest rates continue to rise, making only the minimum payments will do nothing to reduce your debt. If you don't have enough money to make more than just the minimum payments, look for ways to cut back on your expenses so that you will have more money left over to pay on your loans. You will want to reduce your spending and set aside a budget that will allow you to make larger payments towards the principle rather than just the interest.

Get On A lower Interest Rate

Don't listen to credit card companies that advertise credit cards at a fixed rate. By law, credit card companies have to give you a notice before increase the interest rate on the credit cards, and very few loans are exempt from the interest rates that are increased by the Federal Bank. It is best to transfer your balances from high interest credit cards to those that have a much lower interest rate. Look for companies that offer 0% interest rates for a set period of time. Home equity loans or lines of credit are tools that can also be used to consolidate and pay of your debts.

Consider A Cheaper Mortgage

If you have a mortgage that features an adjustable interest rate, consider switching to a fixed rate before interest rates begin to rise. This could keep you from getting into a situation where you could lose your home. If you are looking to buy a house, it is important to remember that the cost of houses will greatly increase once the interest rates start to rise. This means you will want to find a house before this happens so that you will avoid paying inflated prices.

Lease Or Buy a Car

If you are thinking of a getting a car, it may be a good idea to buy used instead of leasing a car from a dealership. It doesn't make much sense to get a car loan at a time when interest rates are about to rise. Buying a used car has many advantages, but you will want to do your research to make sure you get a good deal.

Thursday, May 15, 2014


Lucknow, the state capital of Uttar Pradesh a city of historical and cultural significance, is fast surfacing as a modern real estate destination. Increase in economic activity, and potential for real estate growth has led to massive changes within the city. Real estate is one of the many flourishing sectors of the economy. There are several malls, residential complexes and business complexes throughout the city. Lucknow, with its excellent education, commercial, banking and legal infrastructure, is witnessing brisk growth in information technology, banking, education and other service sectors. Lucknow offers world class commercial and residential real estate, being one of the Indian cities that follow development graphs of cities like Delhi, Mumbai, Surat.

Lucknow real estate has never so highly in demand before, with real estate sector booming. The Lucknow property market has not just doubled in size but has also displayed an exemplar shift to a more contemporary real estate development. One can find upscale properties coming up in different parts in and around Lucknow.

The real estate area is spread equally on both sides of the Gomti River, with the likes of Hazratganj, L.D.A. Colony, Alambagh, RDSO Colony , Usman Enclave. Major township projects by developers like Ansal, Sahara, Omaxe, Rohtas, Eldeco, Southcity etc. have been proposed on these roads. Development is now not only limited to the main city and the suburbs but also along the highways.

Lucknow is a hub of education and research and many premier institutions and universities are located in and around city. The city has many universities, Medical Colleges, Engineering Colleges, Management Institutes,Research Institutes and Schools. Private coaching institutions for preparing aspirants of competitive exams and services is another business that is flourishing in Lucknow.

Ranked 6th among all the cities in India for fastest job-creation, Lucknow is not only a major market & trading city in Northern India, but is also an emerging nucleus for producers of goods and services. IT/ITES sector is yet to explode in Lucknow and as such there is a lack of IT/ITES catering developments. However, keeping in mind the future growth and demands, TCS and Wipro are two IT companies going ahead with their plans in the city.

Lucknow real estate market has gained impetus over the last 2-3 years. The city offers substantial potential for future growth and this is being supplemented by proactive policies of the state government. Lucknow Development Authority (LDA) has taken active initiative in all round development of Lucknow. Land banks are being auctioned in specified locations to bring about a planned development of the city. Proper planning of the city's infrastructure and of amenities and utilities is being done to support future growth and development in the city.

The entry of a number of national level developers and retail brands in the city points towards the positive outlook for the city. With the backing of quality manpower availability, supportive policies and increasing purchasing power, Lucknow is transforming into a highly demanded destination of North India.

Tuesday, May 13, 2014


Holistic alternative medicine offers so much more than conventional therapies for MS. It's not hard to see why our traditional medical authorities are unable to heal a person with MS, since they can't even figure out what causes it. Their only answer to this painful and debilitating disease is totally symptomatic in nature, which in many cases doesn't even qualify for humane relief.

It is a very sad state of affairs that conventional physicians receive no alternative medicine education. In fact they're purposely taught to scoff and ridicule natural remedies, while innocent persons such as those with MS are left to suffer with no cure or even effective symptomatic relief. They're are at least honest enough to admit that we shouldn't expect a cure for MS anytime soon, from their pompous, modern medical monopolies.

Fortunately holistic alternative medicine offers some very reliable remedies for MS that subdue the symptoms by eliminating the cause. Of course they may not have been tested to the satisfaction of the expensive all but unobtainable standards required from a government seduced by greedy pharmaceutical companies, but non the less they do get results. Besides they're harmless at worst, and at best have been seen to produce amazing results for many victims of MS.

The following is a list and summary for five of the most effective holistic solutions to treat MS. Some of them may sound a little strange for a newcomer to alternative medicine but they have worked for many persons who are today, totally free of this disease.

1.The Elemental Miracle as with all malfunctions of the immune system, works wonders for those suffering from MS. Many holistic practitioners believe that MS is a pathogen based disease, which is a presence the elemental miracle specializes in annihilating. Also infection is one of the suspected causes of MS, which the elemental miracle is also unrivaled in eradicating.

2.Bovine Colostrum has been shown to be a very effective MS treatment, and there are many testimonials by MS sufferers who credit it with completely curing their MS inside of a month.

3.Honey Bee Venom consumed in the form of bee venom honey, has been declared to heal even long time victims of MS in as little as a week!

4.Taking Calcium, Magnesium, Vitamin D, Potassium and Chromium daily, is credited with completely eliminating all of the symptoms of MS very quickly.

5.Turmeric is very helpful in reducing the symptoms of MS by taking just a tsp. three times a day.

These are just a sample of the options available to those seeking relief from this horrible disease through the medium of holistic alternative medicine. If you want to pursue a more in depth study of your options with MS I suggest you give yourself an alternative medicine education. There is so much information available to you in this regard, especially on-line.

The remedies suggested in this article might possibly be all you need, but there is so much more in the way of multiple sclerosis alternative medicine. You can take these remedies simultaneously and there is no reason to believe that you won't get relief for yourself or your loved one from this disease in short order.

To enact a total cure you'll just have to remain persistent, but the good news is the symptoms should become reduced proportionately, in no time. It's a shame more people aren't aware of the simple remedies available for this devastating disease. I sincerely hope what you've learned here inspires you to continue. Best of luck. Stay at it and you will succeed.

Monday, May 12, 2014


Let's face it: when confronted with potential foreclosure on their home, many homeowners panic and don't necessarily make the right decisions. Not knowing your rights or the rules, failing to get informed or ignoring the problem altogether often lead to very costly mistakes, some of which are described further below.

#1 MISTAKE: Ignoring the Problem

We know how natural this reaction is among homeowners having trouble paying their mortgages and other bills, its simply human nature: freeze up, go into denial, and stop opening the bank notices. The overwhelmed homeowner feels absolutely lost, not knowing where to turn, and thinks that contacting the lender will be a waste of time. This is absolutely the most serious and costly mistake a homeowner can make.

To Avoid It: whatever you do, if you are facing foreclosure, take some action, contact your lender and contact an experienced attorney or government agency as soon as you can to discuss your options. There are extensive rules and regulations in place to help struggling homeowners like yourself, including extensions, mandatory negotiation processes that the banks must follow in an effort to help you try to resolve your problem, especially if facing a hardship as are so many current struggling homeowners. There are legal strategies that can be implemented; laws may have been violated in
issuing your mortgage or during the ongoing foreclosure process; any number of violations may enable you to invalidate the foreclosure process, force a negotiation of a short sale or reach some other resolution.

#2 MISTAKE: Not Knowing the State Foreclosure Rules and the Timelines That Apply to Your Foreclosure

The second big mistake that homeowners make is in failing to learn the foreclosure procedures and timelines in their state so that they can understand exactly where they are in the process and anticipate what time they have left to act.

Knowledge is power. Rules vary from state to state and can be very complicated and confusing. Failing to understand the foreclosure timelines can cause one of the most costly mistakes: the homeowner believing the sale is postponed, only to find out that the foreclosure sale had been proceeding all along and that their house has actually been sold by the bank at a trustee's sale! This is an all too common mistake being made and results in the scenario in which the homeowner finds out his house is sold only from a knock on his front door from a new owner saying I have bought your house at a foreclosure sale and you need to vacate.
To Avoid It: You need to contact an expert to inform you regarding the specifics of your case.
In general, the California foreclosure process is as follows:
Following at least 90 days of delinquency in mortgage payments, the lender issues a Notice of Default (NOD)
The NOD is mailed to homeowner, recorded in the County where property is located, and the 90 day NOD period begins
At the end of the 90 day NOD period, the Notice of Sale (NOS) is mailed to the homeowner, filed by the lender at the County recorders office, published in the newspaper,
The NOS must give at least 21 days notice before the actual trustee's sale, and will include the information on the sale (time, date, addressof the sale which will usually be conducted by trustee's near a court house in the county where the property is located. It is important to note that very frequently the trustee's sales dates are postponed; yet no notice of the new trustee's sale date is sent to the homeowner.
*Note: A new 2009 California law extends the foreclosure period an additional 90 days for certain loans.

Generally, it is vital to start trying to resolve your situation by negotiation or other strategy as early as possible. The lender will work with the homeowner to try to resolve the situation in the first 90-day Notice of Default (NOD) period. The deadlines can and are often delayed at the request of the banks if you are working with them. However, the banks are much less likely to cooperate once the file has reached the Notice of Sale stage, and the NOS has been recorded and published.

#3 MISTAKE: Failing To Get Informed and Make a Strategy To Help You Reach Your Goal
All too often, California homeowners faced with foreclosure are failing to get the help they need to determine what particular solution will work best for them. Due to the countless variations in each homeowner's situation, solutions are highly dependent on the circumstances of each case. Solutions can range anywhere from moving out and letting the house go to foreclosure, all the way to filing a lawsuit against the bank to fight the foreclosure, and any number of variations in between from getting extensions of the foreclosure, negotiating a short sale, loan modification, deed in lieu, bankruptcy and others.
To Avoid It: Consult with an expert foreclosure attorney (see contact form at the bottom of this page) who can advise you regarding a strategy to meet your particular circumstances. The banks and loan servicing companies have large numbers of attorneys to represent their interests. Trying to devise a strategy and contest the banks without the use of an experienced foreclosure attorney can lead to costly and irreversible mistakes. Get an experienced attorney who should keep your lender informed so as to maximize your opportunities for a successful resolution.
#4 MISTAKE: Thinking That Filing Bankruptcy Is Always The Best Solution
Many homeowners have been talked into filing bankruptcy before foreclosure or very early in the foreclosure process. This can be a HUGE mistake. Some homeowners have been told that this will save the house. It will usually only delay the sale as, following a relief from stay court hearing, the house will be often be released from the bankruptcy. What's worse: By filing early, if the bankruptcy is completed before the foreclosure, the homeowner may have lost the biggest reason for going bankrupt: to discharge the huge potential liabilities from the foreclosure, from the 1099 debt relief, or from junior
liens that will be sent to collections.
To Avoid It: Before filing bankruptcy, make sure you speak with an experienced foreclosure defense attorney to understand all the issues involved.
#5 MISTAKE: Trying To Sell Or Short Sell The House Without Understanding The Current Market and the Difficulty of the Process
Too many homeowners have been burned in the last few years by deciding they would sell their house via a regular or short sale, only to find out the massive delays, headaches and eleventh hour threats from the banks render the entire process NOT worth pursuing, and sometimes, even putting the homeowner in a WORSE position than if he just let the house go to foreclosure. One of the complicated yet vital issues is that banks are often allowing the homeowner to go through the short sale process for months, only to make a last minute demand just before the closing that the homeowner
accept liabilityby signing a note for all or part of the mortgage amount being forgiven. Ironically, in California, homeowners have a valuable legal protection making them NOT liable for deficiency judgments if the loan was a purchase money loanand yet many, in connection with short sales,unaware of this protectionare signing promissory notes accepting liability they otherwise would not have.
To Avoid It: Consult with an experienced foreclosure defense attorney who can advise you regarding the best course of action.

DISCLAIMER: The information provided on this website or the web sites linked herein are not a substitute for professional medical or legal advice, diagnosis or treatment. In addition, viewing the content on these websites, requesting additional information, or transmitting information through a contact form does not form an attorney-client relationship with the sponsoring attorney. Any results set forth herein are based upon the facts of that particular case or scientific study and do not represent a promise or guaranty regarding similar outcome or causes. The information on this site is intended for educational purposes only and should never interfere with a patient/site visitor and his or her healthcare provider. This firm is licensed to practice law only in the state of California, but is affiliated with a network of licensed attorneys in other states.


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

Consolidation Is the Right Choice

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

Bad Credit and Personal Loans

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

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

Finding a Lender

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

Other Ways to Get Your Loan

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

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

Make the Changes Now

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

Sunday, May 11, 2014


Rental Rate Options

Rental rate options include: gross, gross plus expense escalation, modified gross, and triple net. A gross lease simply has a rental rate and no allowance or adjustments for expenses. Gross plus escalations includes a base level of rent and expenses in excess of a defined level. The defined level is often the expenses for the year the lease is signed. In a modified gross lease, the tenant pays rent and some of the expenses directly related to his space. These often include utilities and janitorial. This type of lease can also provide for expense escalations. In a triple net lease (NNN), the tenant pays rent and all operating expenses. Operating expenses include insurance, taxes, maintenance, repairs, utilities, janitorial, etc. In general, a gross lease favors the tenant by providing a fixed level of total payments.


Following is a list of amenities available at many office buildings: Open parking Covered parking Garage parking A/C access Atrium Banking / ATM Cardkey access Computer facility Conference room FedEx drop Food Service Handicap Facility Health club Office supply Postal service Print shop Secretarial service Security Sprinkler Sundry shop Travel agency Tunnel access

Evaluate Amenities Important to You

Initially, determine which amenities are essential. Adding a large number of amenities to your criteria may eliminate too many office space options. It might be nice to have a print shop in the building, but it would probably be even nicer to have a rental rate of per square foot versus per square foot.

The Market Research and Consulting division of O'Connor & Associates provides information necessary to make decision to commercial real estate professionals. Occupancy and Rental Data, ownership and management information are routinely gathered for four major land uses multifamily, office, retail and industrial. This information allows investors to compare competitive properties, facilitate business decisions and track market and submarket performance. In addition the data is useful to brokers who for example continually monitor Houston retail space leasing, Houston office space leasing, Houston industrial space leasing, Houston apartments, Dallas apartments, Ft. Worth apartments, Austin apartments, and San Antonio apartments.

Thursday, May 8, 2014


Over the years the Indian traders have realized that profiting in the nifty future trading is one of the best bet. However it is quite experienced that many day traders never make any success in nifty intraday trade. Learning little simplest technique can make some one a winner in the nifty intraday trading. I am going to narrate one most important and the simplest principle and trick for nifty intraday traders.

Understand the volatility. This is the parameter which will give you the most likely move the nifty future can swing in a day. In this case the term swing' means high and low difference in a day. Then the next question is how to find the volatility. In my book on Futures and options I have given the simplest method to find the volatility using the logarithmic mathematical procedure. If you do not have the book or you do not wish to calculate the volatility then the other procedure left out is refer the daily volatility column given in the NSE site against the Nifty future f &o quote section. You may get a figure 1.23 for 9th October 2009 price quote in the bottom of the page. In other words it says the nifty future has the potentiality to generate 1.23% returns today either in the long side or in short side. For example if nifty is trading at 5000 it will generate 5000X1.23%=61.50 point return. This small arithmetic information is sufficient enough for me to take a wise trade decision.

Now it is the time to migrate to a more realistic example. On 9th October 2009 at 10:45 a.m. I found the nifty at 4999. At that time the prior swing has recorded high 5021 and low was 4973 and the daily volatility was 1.23%. The previous days' closing was 5001. Since the daily volatility is a derivation from the yearly volatility I will calculate the return points from the previous days closing which is 5001X1.23%=61.5123 round it to 62 points. The next big thing I can do is I will take the clue from the mid point of high and low of the current day. As per my data the mid point is 4996.50. As per the recorded data the nifty high and low has created a swing of 49 points. My current price suggest I am just above the midpoint hence I have a chance to scale 62-27=35 point from here in upside or 27 point down from here to complete the calculated return of 62 points.

Now the last job is to derive a trade decision. Here the concept of cycle will get focused since my return is 62 points as per the volatility and every completion of 62 points will start a new cycle. It is often observed that if the stock trade above the mid point then it has the most likely chance of going up and in my case Nifty is above 4996.5(mid point ) and I will buy nifty at current price of 4999 for target 5034(i.e. 4999+35). Same time I will put my stop loss as 4996.5-27=4969.50. If the up side target is achieved then my next target will be in the 2nd cycle termination point of 5034+64=5096. If my buy side stop loss is triggered then the next cycle will be ending at 4907.50(i.e. 4969.50-62).

In between the 4969.50 and 4907.50 I will find one target at the mid point of it (i.e.(4969.50+4907.50)/2=4938.50 )the 2nd target will be the mid point of 4938.50 and 4907.50(i.e. (4938.50+4907.5)/2=4923). Same way the intermediate target of the upside move for 2nd cycle can be calculated.

Now as per the calculation I have entered the buy trade and the stop loss is triggered and given me the opportunity to enter the short trade of 2nd cycle. You may surprise to see that that nifty low was 4923.05 on 9th October 2009. I too have the answer why the 2nd cycle halted at 4923? But it is beyond the scope of this article.

For your information I will once again inform you this value is calculated when nifty were quoting at 4999 and have neither made any of these calculated high or low.

This same trick can me applied to all the stocks just by referring its daily volatility and applying the mid point concept on it. It will yield much refined result if you will apply my mid point method as describe on my book on Gann method under the 34 intraday technique section. You will be in a position to calculate many intermediate target points and most likely reversal points using midpoint method explained in the book.

In Smart finance we always experiment and teach you the simplest method which is easy to understand and follow. However stock market or commodity market or forex market has different price tags and each method has its limitation and can me applied only on selected group of price tag. These refined techniques we teach in seminar programs. However many of these techniques are featured in our published books. Try to use the above discussed technique in Nifty Future and experience the success.

Wednesday, May 7, 2014


If you have ever been stuck in between the purchase of your new home and the sale of your old home, understanding bridging loans would have been helpful. Nothing is worse than paying two mortgages when it is unexpected. Thankfully, bridge loans have been created by lenders to help address this challenging situation.
Bridging loans are temporary term loans that help to bridge this gap between the closing of the present home and the closing of the new home. Despite this not being a common scenario, under a few occasions there is a longer time frame than was initially anticipated. The bridge loan helps the property owner to cover their simultaneous mortgage costs, with the proceeds from the bridge loan being also used towards the down payment on the new property once closing occurs.

The Bridge Loan Process

As with any home mortgage, the buyers must go through underwriting to become approved for a bridge loan. Every lender will often have their own approval procedure that must be followed in order for the owner to be approved for the bridge loan. And, these qualifications are often more lenient than traditional home lenders when it comes to debt to income ratios, meaning that these ratios can often be higher than with traditional lending.

The rationale of different requirements associated with the bridging loans is that they are temporary and generally created to assist a property owner in moving from their current property into their new property. And, the proceeds from the bridge loan are almost always applied to the new home loan in the event that they are not used during the transition period before to closing on the new home.

Benefits of Bridge Loans

There are a number of benefits to the property buyer of bridge loans, including:
It allows the property owner to put their property onto the market quickly and often with less restrictions than if they didn't have the additional financial cushion.
A lot of bridge loans don't require monthly loan or mortgage payments, providing some financial relief to the current property owner.
The loan can give the property owner some flexibility with contingencies on their home sale, allowing them to turn away offers that are not favourable without financial fear of paying two mortgages in the event that their new property closes as anticipated.

Disadvantages of Bridge Loans

While there are multiple advantages to using a bridge loan when selling or buying properties, including:
The costs associated with bridge loans are typically more than traditional home loans and even home equity loans.
Some property owners may not qualify for a bridge loan due to the lending qualifications
Even though the bridge loan helps the property owner in covering mortgage costs during the transition process between properties, they must still pay for both loans and the interest that is accruing on the bridge loan.

Tuesday, May 6, 2014


The internet is a large space containing hundreds of millions of websites and blogs. It is very hard to get noticed on the search engines unless you follow a tried and proven practice to get visitors to your site and recognition of your site in the search engines.

One proven practise is article marketing. This can best be explained as writing an article that you submit to an article directory. When your article is accepted to the article directory you will then have at least two solid backlinks to your site and exposure to visitors of that article directory.

It then stands to reason that the more articles you have on articles directories the more backlinks to your site and you will get article visitor traffic.

If you submit the same article to many article directories then the backlinks will loose power due to the competition of each article in the search engines, commonly referred to as duplicate content.

Writing hundreds of articles is very time consuming and a lot of people do not have the patience or time to write an article. Would it not be a better idea then to write one article and from that one article make many hundreds of variations that are unique and do not contain duplicate content?

This will then allow you to go to each article directory where you will submit one article that has been spun and then the next spun article to the next article directory and so on. This way each article directory will get a unique non duplicate content article that was spun from your original article.

With the page rank power of the article directories that you have submitted each unique article to, that article will get the most juice from page ranking of the directory as well as a good solid backlink.

I will guide you through using article spinning software that will spin one original article and turn that single article into many hundreds or just a few, totally unique and non duplicate content that is easy to read and makes sense to the human reader.

I will describe the basics of spinning an article by substituting words and then take it up a notch to spin anchor text and then finally, saving the best to last, spinning url's so that your article spinning efforts will target deep links in your site or sites.

Once you have read these simple techniques you will soon discover that article spinning software does in fact spin human readable and grammatically correct articles just as if you wrote each article yourself.
Basic Article Spinning Commands

Article spinning software actually reads the text looking for commands where the software is called upon to act. Common to all article spinning software programs are the commands of [spin] or {word}.

For the sake of convenience I will use the [spin] command throughout for ease but, if you use other software the same command is {word1~word2~word3} as opposed to [spin]word1|word2|word3[/spin]

Basically what you just read is all there is to it to rewrite an article. Just those commands. Lets start by describing the commands.

The command [spin] tells the software that you want it to start here. The command [/spin] tells the software you want it to stop here. Inside those two commands you write your words separated by the symbol .

So the command would like this:- [spin]word1|word2|word3|word4[/spin]. By separating each word with the symbol you are asking the software that the words proceeding and following the symbol are the words you want the software to randomly choose.

Tip: the more words you use inside the commands means the more words the software can randomly select when it will re-write the sentence.

Example credit cards - [spin]credit cards|debit cards|bank cards[/spin]. The software will write My credit cards are too high or "My debit cards are too high and finally, "My bank cards are too high.

So to write a sentence it will look like this:- My [spin]credit cards|debit cards|bank cards[/spin] are [spin]out of control|maxed out|costing me a fortune in fees[/spin].

The software then has all those variables to choose from in the first command and mix those variables with the words in the second command.

That is how you make articles unique when you spin them. Also, as you put your words in the commands you can then read those words to make sure they make sense when the software spins the article.

The reason why article rewriting software churns out garbled rubbish is because when writing your words in the commands that they do not flow and make sense. If as you go along you read each word out you will ensure the article will be grammatically correct when spun, everytime.

Magic Article Rewriter Software

We all know that the more articles we have the more traffic our site will get. The more traffic, the more money we make or the more sales, interest we generate.

If you had software, appropriately priced software, don't you think you will make back your software investment price in no time?

Magic Article Rewriter software does everything for you. The software inputs the commands spin] and and [/spin] for you. Also it can use the commands {word1~word2}.

Not only that but have you ever written a word that you know just doesn't sound right? Well the software can make suggestions for you.

I use the software and I have found that I can write an article that sounds ok. When I put the article in the software and use the words it suggest, my article actually sounds better then when I first wrote it as the suggested words by the software is more descriptive then the words I originally used..

Visit my site to see the software in action.

More Information And Magic Article Rewriter

Now when using this software you will have the original article with the commands inserted in the article. This original article can be submitted to sites that take that article and use the commands to circulate that article to other niche websites.

To learn how to do this see how to use free content for niche websites. I would like to highlight the Free Traffic System that this software was actually designed for and is a free membership.

The purchase price of Magic Article Rewriter is a one time fee of .00. There are other websites that charge this fee for a monthly membership or 7.00 for software and you have to pay for updates each time.

The software is desktop based. That means the software is on your computer for you to use at any time. Its yours to keep forever.

Using this software will generate grammatically correct, unique and non-duplicate articles that you can submit to the major article directories.

Do not be surprised that your traffic statistics counter starts spinning wildly out of control because you will generate massive amounts of traffic from your articles.


Buying a boat is an expensive business which few of us can enter into without resorting to some sort of finance deal. While some may favour direct loans from banks or savings institutions, others may go down the route of a marine finance company.

What does a Marine Finance Company do?

Here are some examples:-

It can provide marine finance in the small boat market with loans up to about £50,000, probably using a fixed rate of interest, over a period of maybe 5 years.

- For larger boats, with loans exceeding £50,000, the facility is usually a variable rate and is usually over a period from 5 to 10 years.

- It can help you to refinance your existing boat by providing funds to cover an expensive overhaul, new engine or some other large bill.

- A mortgage on the vessel is normally required for all of these loans. If you live in the UK you may find it easier to obtain a loan if you register your boat on the Small Ships Register (SSR).

There are many specialist marine finance companies and it is worth while examining them carefully for the deal that suits your requirements best. They will have helpful and informative websites and will give you free quotations according to your requirements, but on the whole the procedures will be similar.

- First you need to find out the money you need to contribute, the deposit, the interest rates, terms and small print.

- Next you will have to be "approved" by filling in a "loan application", "finance application" or "credit application" in which you will provide information about yourself and confirm that you have the wherewithal to pay the loan back. The sort of details you will need to provide are proof of income, credit information and some personal information about you and your family, such as where you live and how long you have lived there. They will also want to know what you want to do with your boat; whether it is for recreation, racing, to live on, or a business venture.

- The finance company will need to do a personal credit search and will probably ask for a copy of bank statements, recent household bills and photo identity.

- Usually the deal can be completed in a day or so.

The documents you will need consist of a marine mortgage document, which is the loan agreement, and a standing order with your bank to transfer the agreed monthly payment. For a new boat, the finance company will require the original invoice or bill of sale from the boat builder to you. If it is a used boat that you are purchasing you will need a bill of sale to be completed by the current owner of the boat agreeing to sell the boat to you and possibly a survey, depending on the age, value and type of boat.

You must have your boat comprehensively insured.

What types of payment plan are currently available?

- Balanced Payment Plan - This is the most popular. Monthly payments are fixed and stay the same for the entire period.

- Deferred "Balloon" Payment Plan - The monthly payment is reduced by deferring some of the mortgage to the end of the finance term. It is an attractive proposition if you plan to sell your boat before the payment is due.

- Low Start Payment Plan - There are lower monthly payments in the early stages, with annual increases in the following years.

- Variable Rate Payment Plan - These are linked to a bank base rate so that repayments move up and down according to fluctuations in the interest rate.

- Tailored Loans - These plans are tailored to fit individual cash flow requirements.

When making a big decision on taking out a loan to finance your boat, the best advice is, first arm yourself with the basic ins and outs of marine finance as shown above and then shop around until you have found a friendly and reliable finance company who will provide you with a package that suits your needs. And do remember to read all the small print.

Happy hunting!

Thursday, May 1, 2014


The most difficult aspect around real estate in this day and age is getting people to come look at your properties and possibly buy. It can be difficult to make a profit if people are not aware of you and your business. It will benefit you greatly to take some time and develop a marketing strategy to help your business. It may take some time to figure out what real estate marketing strategies will work for you but you will benefit greatly from it.

When it comes to making a name for yourself in the real estate industry it is important that you have a good client base that is interested in the properties that you buy and sell. If people are unaware of you and what you do than that is no good. That is where an effective marketing strategy can help you greatly.

The amount of people who are aware of you and your business is directly related to how well you do as a real estate professional. When more people are aware of you and your work, it becomes more likely that they will remember your name in the future when they need the aide of a real estate professional.

When it comes to cost effective ways to manage your marketing, the Internet is a fantastic place to start. With the Internet you have the ability to connect with potential clients in a way that lets you share all relevant information with them in order to maybe sign with them.

The business that a social media website can bring you can be very helpful at times. It has the ability to network you with many people that you would have never met out in the real world. When it comes to cheap ways to market, a social media presence can be very useful.

When a previous client of yours is extremely happy with the work that you did for them, they may want to recommend you to their family and friends for further business. Making sure to thank them for their business can go a long way in ensuring that they will send more business your way.

To have a good marketing plan does not mean that you will have to spend a whole lot of money. There are many cheap ways that you can follow to increase your visibility and make people aware of the work that you do. Just know that spending money on marketing plans is wise because you will more than likely make back much more than you spent.

If you are looking to bring more business your way, you should invest in a solid marketing plan. There are many real estate marketing ideas available that will certainly benefit you in the long run, bringing you business and money, ensuring that you stay in the business for time to come.