We asked George Singh whether he has been involved with any companies that have been tarnished as a scam to which he responded with some of his anwers.
He has never been involved in any scams himself though understood how certain scams and schemes operated having come from a sales background as in the field of sales and making money there were very few rules but never breaking the law he stated.
He does not get involved in any scams however understands how some scams and schemes are operated as most people are aware and with a sales background he understands most are operated with selling products and services to consumers.
It has been reported that George Singh made over 17 million pounds with a direct sales company that he was involved with in the last decade, the company had originated from North America which expanded into the UK and Europe.
George Singh stated that he learnt a lot of selling and marketing systems and processes from the Canadians and Americans as they enjoy it much more over there and many more people are involved in sales in the USA and Canada.
He shared some of his experiences with us explaining that everyone sells.We start selling when we are children to our parents for when we wanted a bicycle, a new football or take that school trip and we naturally sell ourselves when we are older and go into relationships and people still refuse to admit they are sales people. He also stated that on the other hand we are all buyers just as we are all sellers, which when we sell we also buy without realising and when we buy we also sell, again without realising our actions. We did not quite understand his philosophy at this point.
George Singh advises and works with clients that want to enter new markets, expand or grow their sales and business. Having gained further knowledge of business consulting and being a business growth consultant he said it all begins with more sales to existing and new customers.
George Singh works closely with a network of consultants and associates throughout the UK and worldwide to help entrepreneurs, business owners and companies to outsell and outgrow their competitors by offering support to sales and marketing, finance for funding, start up or investment capital, management and human resources.
George Singh believes that sales and marketing are the only two areas that grows a business. All businesses should have a well planned marketing strategy, an excellent sales process and with everyone highly trained so they are competent and confident. If you are struggling in business, marketing, sales or financially no cash flow then you must get immediate help to put some of these systems in your business so it can start to grow.
Saturday, June 30, 2012
Carlyle Finance And The Cheshire Jets Give Back To The Community
Excitement and enjoyment were the energies filling the room at two local primary schools in Cardiff on the 2nd March 2010 as the Cheshire Jets and Carlyle Finance delivered the Hoops for Health program. The day was packed with fun learning and activities, making it a complete success as the children came face to face with a professional basketball player. James Hamilton, captain of the Cheshire Jets pro basketball team motivated the group as they asked, does that mean your cousin is Michael Jordon?!
The Cheshire Jets is sponsored by Carlyle Finance, one of the leading independent motor finance organisations in the UK, offering loan advice to finance a car, as well as providing quality car finance deals. Carlyle Finance is excited to be able to sponsor The Cheshire Jets and supports their charity, The Jets Foundation. One of their many programs is built around educating young people about healthy living and supporting children with disabilities. On the 2nd March, the focus was about why it is important to be fit, the benefits of a balanced diet through healthy eating and the implications of smoking. The idea is to present a role model to demonstrate to the children the benefits of healthy living, and involving them in key basketball skills.
The children were split into four groups, each group being presented with different teachings about healthy living. The Jets and Carlyle Finance made the lessons as fun as possible by using objects to convey messages, including a Tar Jar to show how much tar a smoker typically creates in their bodies over one year, a beach ball to pass around with questions to inspire thinking about how to be healthy, and of course, basketballs to get the children involved in the sport.
Rachel Sharp, Marketing Executive at Carlyle Finance says, The day was very fulfilling. The children were a smart bunch, and although they already had a good idea about what healthy living requires, it was great to see them inspired by James, screaming I'm never going to smoke! The children seemed so keen to join in with the activities, which is extremely positive. I think it's very important to teach children about healthy living from an early age so that they know to make wise decisions later on.
Having now visited over 100 schools, look out for the Cheshire Jets and Carlyle Finance as they could be coming to a school near you!
Editorial Notes
Carlyle Finance Background
Carlyle Finance, which has been operating for over 30 years is part of WesBank, South Africa's largest financer of cars, itself part of FirstRand Bank Limited.
Carlyle Finance provides a full portfolio of finance products and services including car stocking facilities, relying exclusively upon motor retailers for its sales.
WesBank's main objective is to dominate in whichever market it enters and therefore require people who have the potential, skills, and ability to achieve the organisation's goal. WesBank's mission statement and shared values gives a good insight to its culture.
Mission Statement
WesBank is to be the acknowledged leaders in instalment credit in terms of Customer Service, Profitability and Size.
The Cheshire Jets is sponsored by Carlyle Finance, one of the leading independent motor finance organisations in the UK, offering loan advice to finance a car, as well as providing quality car finance deals. Carlyle Finance is excited to be able to sponsor The Cheshire Jets and supports their charity, The Jets Foundation. One of their many programs is built around educating young people about healthy living and supporting children with disabilities. On the 2nd March, the focus was about why it is important to be fit, the benefits of a balanced diet through healthy eating and the implications of smoking. The idea is to present a role model to demonstrate to the children the benefits of healthy living, and involving them in key basketball skills.
The children were split into four groups, each group being presented with different teachings about healthy living. The Jets and Carlyle Finance made the lessons as fun as possible by using objects to convey messages, including a Tar Jar to show how much tar a smoker typically creates in their bodies over one year, a beach ball to pass around with questions to inspire thinking about how to be healthy, and of course, basketballs to get the children involved in the sport.
Rachel Sharp, Marketing Executive at Carlyle Finance says, The day was very fulfilling. The children were a smart bunch, and although they already had a good idea about what healthy living requires, it was great to see them inspired by James, screaming I'm never going to smoke! The children seemed so keen to join in with the activities, which is extremely positive. I think it's very important to teach children about healthy living from an early age so that they know to make wise decisions later on.
Having now visited over 100 schools, look out for the Cheshire Jets and Carlyle Finance as they could be coming to a school near you!
Editorial Notes
Carlyle Finance Background
Carlyle Finance, which has been operating for over 30 years is part of WesBank, South Africa's largest financer of cars, itself part of FirstRand Bank Limited.
Carlyle Finance provides a full portfolio of finance products and services including car stocking facilities, relying exclusively upon motor retailers for its sales.
WesBank's main objective is to dominate in whichever market it enters and therefore require people who have the potential, skills, and ability to achieve the organisation's goal. WesBank's mission statement and shared values gives a good insight to its culture.
Mission Statement
WesBank is to be the acknowledged leaders in instalment credit in terms of Customer Service, Profitability and Size.
Friday, June 29, 2012
Top 5 Reasons To Invest In Property
People who make the right decision in investing money stand to earn high rewards for taking such a calculated risk. However, this decision should be made only after doing a thorough search on the various prospects in the diversified field of financial investment.
Investing in property is one of the surest ways to reap rich benefits out of your investment. Here are the top five reasons explaining why you should invest in property.
1. Property prices are always on the rise, and investing in a property which you can lease out, ensures an immediate return from your investment. This provides you with peace of mind and a sense of security. As the property appreciates, you can also earn more on the rent. In case you want to buy another property, you don't need to sell the existing one you have the option to release equity relating to the property and still retain your ownership.
2. Investing in property enables you to have direct control over the ownership and for rental purpose, you have the option to increase the rental income without having to consult others or take permission from anybody. This differs to shares, where the dividend is not in your hand. Investing in property also allows you to insure your property against any damage or loss of rental income. Buy-to-let investors are able to protect themselves from any financial loss arising out of any damage caused by tenants, through Landlord Insurance.
3. You do not need any expertise or vast experience when you invest in property. Every common person can do it, especially when there are so many sources to gather information about market trends which relate to your property. To make the most out of your investment in property, you can increase your return on your investment by buying a property which needs a thorough renovation. On bargaining, you will be able to purchase the property at a cheap price and after renovation work, you are able to sell off at a much higher price. This can cause you to earn more on your investment in property.
4. Investing in properties provides you with the advantage to use leverage by mortgaging the property and borrowing up to 80% of the property valuation. In the case of stocks, you will get a maximum of 50% on the value of the shares. You get a distinct advantage over other forms of investment, with no risk being taken. Fluctuations in the prices of properties are a slow process, where you find enough time to safeguard yourself from any downfall in the property value. Generally the cycle is slow, which makes properties less volatile in the market compared to shares which may have a steep downfall involving heavy losses.
5. The tangibility of a property is the main advantage of the investor, where the person is able to see and touch the property. Moreover, in the case of urgent requirements of money, the property can either be sold or mortgaged within a short time. In the case of shares, you will find it difficult to transfer your shares, especially when they are dipping. You are able to invest in properties according to your budget. If you have a big budget, you can go for premium properties which will give you higher returns within a short span of time. In the case of a small budget, you can choose from various categories of property. This is not the case in stocks, as there is a binding as to the minimum number of shares you have to buy. Investment in properties at residential places which are developing provides you with the advantage to reap rich benefits once the area is fully developed and the basic amenities are provided. You can also buy a property in such a place where there are future plans for providing large scale public utility services. In such cases, your property suddenly receives appreciation in valuation.
Investing in property is a wise move which involves minimum risk with possibilities of maximum returns. Select the right real estate agent to make your investment and gain high returns.
Investing in property is one of the surest ways to reap rich benefits out of your investment. Here are the top five reasons explaining why you should invest in property.
1. Property prices are always on the rise, and investing in a property which you can lease out, ensures an immediate return from your investment. This provides you with peace of mind and a sense of security. As the property appreciates, you can also earn more on the rent. In case you want to buy another property, you don't need to sell the existing one you have the option to release equity relating to the property and still retain your ownership.
2. Investing in property enables you to have direct control over the ownership and for rental purpose, you have the option to increase the rental income without having to consult others or take permission from anybody. This differs to shares, where the dividend is not in your hand. Investing in property also allows you to insure your property against any damage or loss of rental income. Buy-to-let investors are able to protect themselves from any financial loss arising out of any damage caused by tenants, through Landlord Insurance.
3. You do not need any expertise or vast experience when you invest in property. Every common person can do it, especially when there are so many sources to gather information about market trends which relate to your property. To make the most out of your investment in property, you can increase your return on your investment by buying a property which needs a thorough renovation. On bargaining, you will be able to purchase the property at a cheap price and after renovation work, you are able to sell off at a much higher price. This can cause you to earn more on your investment in property.
4. Investing in properties provides you with the advantage to use leverage by mortgaging the property and borrowing up to 80% of the property valuation. In the case of stocks, you will get a maximum of 50% on the value of the shares. You get a distinct advantage over other forms of investment, with no risk being taken. Fluctuations in the prices of properties are a slow process, where you find enough time to safeguard yourself from any downfall in the property value. Generally the cycle is slow, which makes properties less volatile in the market compared to shares which may have a steep downfall involving heavy losses.
5. The tangibility of a property is the main advantage of the investor, where the person is able to see and touch the property. Moreover, in the case of urgent requirements of money, the property can either be sold or mortgaged within a short time. In the case of shares, you will find it difficult to transfer your shares, especially when they are dipping. You are able to invest in properties according to your budget. If you have a big budget, you can go for premium properties which will give you higher returns within a short span of time. In the case of a small budget, you can choose from various categories of property. This is not the case in stocks, as there is a binding as to the minimum number of shares you have to buy. Investment in properties at residential places which are developing provides you with the advantage to reap rich benefits once the area is fully developed and the basic amenities are provided. You can also buy a property in such a place where there are future plans for providing large scale public utility services. In such cases, your property suddenly receives appreciation in valuation.
Investing in property is a wise move which involves minimum risk with possibilities of maximum returns. Select the right real estate agent to make your investment and gain high returns.
Helpful Photography Tips:shooting In Monochrome
Shooting in Monochrome
To give a contemporary photo an old-fashioned feel, try shooting in monochrome. A picture done entirely in black and white or sepia tones achieves on old time look. Rather than editing the picture through a computer program, many digital cameras feature a setting that enables you to actually shoot the images directly in monochrome.
The monochrome setting option simplifies the process of creating these stunning pictures. No software or special knowledge of photo editing is required to produce these stunning images. Depending on what type of digital camera you have, the monochrome setting will be located in the My Colours, Colour or Picture Style settings menu.
Types of monochrome settings
Once you've located the monochrome setting, you will see that you have different options. Black and white and sepia settings are offered by most digital cameras. Colour monochrome settings, such as green and blue, are included in some cameras as well. The more advanced cameras enable you to enhance the monochrome mode with various coloured filters. These filters allow you to achieve a number of effects. For instance, you can recreate the effect of a red filter over black and white film. Also, any colours in the subject that are the same colour as the filter can be selectively lightened.
Choosing a setting
Consider the emotion you want the photo to evoke. Sepia tones create a different feel than black and white, and vice versa. For example, a sepia-toned image will present a softer look, reminiscent of antique photos. Black and white, on the other hand, is ideal for photographing strong structural elements for stark contrasts.
Choosing your subject
Landscapes and city scenes tend to feature strong structural elements, such as buildings. Shadows actually enhance these subjects. Sunlight casts the lines and angles with dramatic patterns. To record the most detail possible, use an ISO setting of 200 or less. Low ISO settings best capture the shadows and structures that make for striking monochrome photos.
Gentle, more romantic settings also lend themselves well to monochrome mode. A dream-like or nostalgic mood can be evoked through monochrome photography. Subtle nuances emerge through the variations in tone.
Portraits, of both pets and people, are excellent subjects for monochrome photographs, particularly those done in black and white. You can vary the effect by changing the lighting. Soft light minimises the appearance of blemishes. Directional lighting, lighting which emanates from a single source, accentuates facial features.
Tips for shooting in monochrome
As explained above, the monochrome setting directly captures monochrome images. No colour information is recorded. While colour photos can be made monochrome with computer software, a photo taken in the monochrome setting cannot be reverted to colour. That is, unless you take the pictures in RAW format.
Try using your digital camera's flash, whether inside or outside, when taking monochrome photos. Although the flash might washout an image taken in colour, that same flash can cast desirable dramatic shadows in monochrome.
Experiment with the different filters before you start taking photos. Your efforts will be better directed if you first know the effect that each filter achieves.
This article was brought to you by Canon Australia - Helpful photography tips
About Canon
Canon Australia is a leading provider of advanced, simple-to-use imaging solutions for businesses and consumers. Canon's Australian R&D company, CiSRA, develops customised solutions for local customers, and exports digital imaging technologies for use in Canon products worldwide. Canon has ranked among the top-three US patent recipients for the past 16 years, and had global revenues of around $ US39 billion in 2007. Canon Australia also operates Canon Finance Australia, which offers one-stop shopping for customers wanting leasing or finance services. For more information, visit canon.com.au.
To give a contemporary photo an old-fashioned feel, try shooting in monochrome. A picture done entirely in black and white or sepia tones achieves on old time look. Rather than editing the picture through a computer program, many digital cameras feature a setting that enables you to actually shoot the images directly in monochrome.
The monochrome setting option simplifies the process of creating these stunning pictures. No software or special knowledge of photo editing is required to produce these stunning images. Depending on what type of digital camera you have, the monochrome setting will be located in the My Colours, Colour or Picture Style settings menu.
Types of monochrome settings
Once you've located the monochrome setting, you will see that you have different options. Black and white and sepia settings are offered by most digital cameras. Colour monochrome settings, such as green and blue, are included in some cameras as well. The more advanced cameras enable you to enhance the monochrome mode with various coloured filters. These filters allow you to achieve a number of effects. For instance, you can recreate the effect of a red filter over black and white film. Also, any colours in the subject that are the same colour as the filter can be selectively lightened.
Choosing a setting
Consider the emotion you want the photo to evoke. Sepia tones create a different feel than black and white, and vice versa. For example, a sepia-toned image will present a softer look, reminiscent of antique photos. Black and white, on the other hand, is ideal for photographing strong structural elements for stark contrasts.
Choosing your subject
Landscapes and city scenes tend to feature strong structural elements, such as buildings. Shadows actually enhance these subjects. Sunlight casts the lines and angles with dramatic patterns. To record the most detail possible, use an ISO setting of 200 or less. Low ISO settings best capture the shadows and structures that make for striking monochrome photos.
Gentle, more romantic settings also lend themselves well to monochrome mode. A dream-like or nostalgic mood can be evoked through monochrome photography. Subtle nuances emerge through the variations in tone.
Portraits, of both pets and people, are excellent subjects for monochrome photographs, particularly those done in black and white. You can vary the effect by changing the lighting. Soft light minimises the appearance of blemishes. Directional lighting, lighting which emanates from a single source, accentuates facial features.
Tips for shooting in monochrome
As explained above, the monochrome setting directly captures monochrome images. No colour information is recorded. While colour photos can be made monochrome with computer software, a photo taken in the monochrome setting cannot be reverted to colour. That is, unless you take the pictures in RAW format.
Try using your digital camera's flash, whether inside or outside, when taking monochrome photos. Although the flash might washout an image taken in colour, that same flash can cast desirable dramatic shadows in monochrome.
Experiment with the different filters before you start taking photos. Your efforts will be better directed if you first know the effect that each filter achieves.
This article was brought to you by Canon Australia - Helpful photography tips
About Canon
Canon Australia is a leading provider of advanced, simple-to-use imaging solutions for businesses and consumers. Canon's Australian R&D company, CiSRA, develops customised solutions for local customers, and exports digital imaging technologies for use in Canon products worldwide. Canon has ranked among the top-three US patent recipients for the past 16 years, and had global revenues of around $ US39 billion in 2007. Canon Australia also operates Canon Finance Australia, which offers one-stop shopping for customers wanting leasing or finance services. For more information, visit canon.com.au.
Thursday, June 28, 2012
Lending Tree Is A Good Alternative For Auto Loans
It can be hard to secure a loan in this increasingly shaky economic climate. This is particularly true in the case of auto loans. Most lenders, who are already reluctant to lend, are even more hesitant to provide financing for an asset that is guaranteed to depreciate. Even consumers with exceptionally good credit and a large down payment may be forced to apply at multiple places. One of the best alternatives to pounding the pavement in search of a loan is to go through Lending Tree. The online lending site helps match consumers with lenders, and helps borrowers get the best terms.
Lending Tree brokers just about every kind of loan, from mortgages to auto loans. It also handles refinancing, home equity loans, credit card applications and insurance quotes. The site's largest potential market is its auto loans, because more American consumers have a car loan than a mortgage. Lending Tree has grown rapidly since it was founded in 1998. The idea behind the site is simple; a consumer applies for a loan and multiple lenders compete to provide the money. The consumer selects the loan with the best terms. Consumers with good credit get better terms, but even subprime borrowers may be able to get a good deal through Lending Tree.
Auto loans are one of Lending Tree's most popular products. The site allows consumers to request financing for both new and used cars. Refinancing loans are also available. The loan period can be as little as two years or as long as five. The consumer gets to state a preference on the application. He or she can also choose to include a co-borrower, such as a spouse or other relative.
One of the advantages of Lending Tree is the relative anonymity it offers. The would-be borrower doesn't have to sit in the lobby of the bank or dealership, nervously waiting for the answer. He or she fills out the application online and waits for the results. The application must include the borrower's name, address, social security number, phone number, place of employment and income. Applicants must also give their email address and create a password. The desired vehicle, loan amount and preferred term must also be included. An applicant who has not decided on a vehicle can use the website's tools to get dealer quotes or search used car listings.
After the application has been submitted, Lending Tree will pull the applicant's credit report and turn the application over to its lending partners. Each lender reviews the application and decides whether or not to make an offer. An offer will include the amount the lender is willing to provide, the length of the loan, the interest rate, the required down payment and any fees or other terms. The consumer gets the offers by email. Each loan application may generate up to four offers.
Results vary and depend on the applicant's creditworthiness, requested loan amount and other variables. At the moment, the average interest rate for a four-year auto loan on a new car is 4.26 percent, while the average rate for the same loan on a used car is 4.91 percent. A borrower with stellar credit may get a loan for as little as 2.5 percent, while one with poor or no credit may have to pay as much as 16 percent assuming he or she can obtain financing. Lending Tree does not guarantee positive results.
Once all the offers have been made, the applicant reviews them and chooses which to accept. There is a handy guide to comparing auto loans on the Lending Tree website. He or she can then fill out the paperwork and close the loan. Most lenders offer both electronic and paper billing for their auto loans. This quick and easy process is probably the easiest way for consumers to get the best loan.
For further information regarding auto loans, please visit MyReviewsNow.net Shop At Home.
Lending Tree brokers just about every kind of loan, from mortgages to auto loans. It also handles refinancing, home equity loans, credit card applications and insurance quotes. The site's largest potential market is its auto loans, because more American consumers have a car loan than a mortgage. Lending Tree has grown rapidly since it was founded in 1998. The idea behind the site is simple; a consumer applies for a loan and multiple lenders compete to provide the money. The consumer selects the loan with the best terms. Consumers with good credit get better terms, but even subprime borrowers may be able to get a good deal through Lending Tree.
Auto loans are one of Lending Tree's most popular products. The site allows consumers to request financing for both new and used cars. Refinancing loans are also available. The loan period can be as little as two years or as long as five. The consumer gets to state a preference on the application. He or she can also choose to include a co-borrower, such as a spouse or other relative.
One of the advantages of Lending Tree is the relative anonymity it offers. The would-be borrower doesn't have to sit in the lobby of the bank or dealership, nervously waiting for the answer. He or she fills out the application online and waits for the results. The application must include the borrower's name, address, social security number, phone number, place of employment and income. Applicants must also give their email address and create a password. The desired vehicle, loan amount and preferred term must also be included. An applicant who has not decided on a vehicle can use the website's tools to get dealer quotes or search used car listings.
After the application has been submitted, Lending Tree will pull the applicant's credit report and turn the application over to its lending partners. Each lender reviews the application and decides whether or not to make an offer. An offer will include the amount the lender is willing to provide, the length of the loan, the interest rate, the required down payment and any fees or other terms. The consumer gets the offers by email. Each loan application may generate up to four offers.
Results vary and depend on the applicant's creditworthiness, requested loan amount and other variables. At the moment, the average interest rate for a four-year auto loan on a new car is 4.26 percent, while the average rate for the same loan on a used car is 4.91 percent. A borrower with stellar credit may get a loan for as little as 2.5 percent, while one with poor or no credit may have to pay as much as 16 percent assuming he or she can obtain financing. Lending Tree does not guarantee positive results.
Once all the offers have been made, the applicant reviews them and chooses which to accept. There is a handy guide to comparing auto loans on the Lending Tree website. He or she can then fill out the paperwork and close the loan. Most lenders offer both electronic and paper billing for their auto loans. This quick and easy process is probably the easiest way for consumers to get the best loan.
For further information regarding auto loans, please visit MyReviewsNow.net Shop At Home.
Wednesday, June 27, 2012
How To Develop A Sustainable
We've come up with a few tips for you that will hopefully help you see how to achieve a sustainable cost conscious culture in your organisation, with help from some new, modern accounting software. You could see cash savings of anything from 5% to 10%! If that doesn't make you want to read on, we don't know what will!
Trust your staff
The best way to gain respect and cooperation from employees is to trust them to make the right decisions. Having a devolved accounting system and software will allow individuals to make purchases with minimal effort. So staff are happy, and so are the finance team as the procurement process is sped up, allowing you to easily keep an eye on expenditure.
Create rules
Most pieces of modern accounting software can be configured so that limits or rules are applied to particular departments when it comes to buying. For example, if someone buys too many paper clips (it could happen!) and it exceeds the set limit, then the system will alert someone who can provide second level approval.
Tighten & streamline the approvals process
Using an electronic based procurement system, like most technology, will make things a lot easier and will certainly speed up your whole procurement processes. Individuals can set up POs, email them to the necessary person for approval, and that person can then approve quickly. Gone will be the days where orders get stuck in someone's in-tray, or lost in the post.
Devil is in the detail
When looking for areas of wasted expenditure, it's easy to look at the big purchases. Try and look at the total that the small costs amount to over the year. I bet you'll be surprised! Once you've spotted where savings can be made, try and put rules and limitations in place (like the ones we mentioned earlier) but just let the relevant person know!
Use real-time financial reporting to spot inefficient spending
By having an accounting system that's up to date, through the use of devolved accounting software, you'll be able to produce up to the minute finance reports showing you spend for certain departments, making it easier to review and evaluate processes. Also, giving budget holders instant access to this information will further help them control spending.
Tackle those maverick spenders
Maverick buying; that is goods being purchased without approval, can be very expensive.
A modern accounting system should help prevent these kinds of purchases. PO numbers can be hidden until the necessary approval has been given, pretty nifty!
Make it last
Using a devolved approach to accounting makes the whole process easy and transparent, setting a good balance of control and trust. This is easily achievable with the latest technology, especially with cloud accounting software, and means the finance team don't have to look into the finer detail of the purchase ledger meaning more time to focus on strategic tasks.
Trust your staff
The best way to gain respect and cooperation from employees is to trust them to make the right decisions. Having a devolved accounting system and software will allow individuals to make purchases with minimal effort. So staff are happy, and so are the finance team as the procurement process is sped up, allowing you to easily keep an eye on expenditure.
Create rules
Most pieces of modern accounting software can be configured so that limits or rules are applied to particular departments when it comes to buying. For example, if someone buys too many paper clips (it could happen!) and it exceeds the set limit, then the system will alert someone who can provide second level approval.
Tighten & streamline the approvals process
Using an electronic based procurement system, like most technology, will make things a lot easier and will certainly speed up your whole procurement processes. Individuals can set up POs, email them to the necessary person for approval, and that person can then approve quickly. Gone will be the days where orders get stuck in someone's in-tray, or lost in the post.
Devil is in the detail
When looking for areas of wasted expenditure, it's easy to look at the big purchases. Try and look at the total that the small costs amount to over the year. I bet you'll be surprised! Once you've spotted where savings can be made, try and put rules and limitations in place (like the ones we mentioned earlier) but just let the relevant person know!
Use real-time financial reporting to spot inefficient spending
By having an accounting system that's up to date, through the use of devolved accounting software, you'll be able to produce up to the minute finance reports showing you spend for certain departments, making it easier to review and evaluate processes. Also, giving budget holders instant access to this information will further help them control spending.
Tackle those maverick spenders
Maverick buying; that is goods being purchased without approval, can be very expensive.
A modern accounting system should help prevent these kinds of purchases. PO numbers can be hidden until the necessary approval has been given, pretty nifty!
Make it last
Using a devolved approach to accounting makes the whole process easy and transparent, setting a good balance of control and trust. This is easily achievable with the latest technology, especially with cloud accounting software, and means the finance team don't have to look into the finer detail of the purchase ledger meaning more time to focus on strategic tasks.
Sunday, June 24, 2012
Build Equity By Choosing The Right Mortgage
Homeownership is the key to building wealth for most people because it is an involuntary savings account. As you pay down your mortgage each month, the value of your interest in the home rises.
Build Equity By Choosing The Right Mortgage
Equity is a beautiful word as every homeowner knows. Once you get used to making your mortgage payments, you can rest assured that you are creating a nest egg every month. Throw in the appreciation on the property and your nest egg can grow large before you realize it. This savings account, better known as equity, can provide the means for putting your kids through college, dealing with emergencies and retiring.
Building equity is fairly simple. Just make your monthly mortgage payment. There are additional steps you can take to move the process along at a faster pace. These steps are all about the type of mortgage you obtain when you purchase your home.
When you purchase a property, particular for the first time, it can be a stressful event. Right or wrong, most people tend to take anything they can get in a mortgage loan so they can meet the closing of escrow. This is understandable, but can come back to haunt you financially. If you can step back from the chaos for a moment, you might consider the following options that will help build equity.
A 30 year mortgage is the default for most homebuyers. It is the first thing that comes to mind and most assume it is the safest option. A 15 year mortgage, however, is going to cut down on the total interest you pay on the loan as well as supercharge your equity growth. The 15 year loan is far better than a longer option, but only if you are absolutely sure you can meet the monthly payment requirements. If you have any doubts whatsoever, there is another option that you can consider.
Making prepayments on principal is a simple, proven way to build equity. The idea is to make an extra monthly payment when you have sufficient cash to do so. Effectively, you use your home as a savings account by doing this. The advantage over other investments is the equity growth should be tax free. Before taking this step, find out from your lender if there are any prepayment penalties. Regardless, making two of these payments each year will quickly build equity in your home.
If any of these ideas sound interesting, you can still take advantage of them even if you currently have a mortgage. Refinancing your mortgage gives you an opportunity to correct mistakes you made when you more focused on getting through escrow. Talk with a mortgage broker to find out your options.
Build Equity By Choosing The Right Mortgage
Equity is a beautiful word as every homeowner knows. Once you get used to making your mortgage payments, you can rest assured that you are creating a nest egg every month. Throw in the appreciation on the property and your nest egg can grow large before you realize it. This savings account, better known as equity, can provide the means for putting your kids through college, dealing with emergencies and retiring.
Building equity is fairly simple. Just make your monthly mortgage payment. There are additional steps you can take to move the process along at a faster pace. These steps are all about the type of mortgage you obtain when you purchase your home.
When you purchase a property, particular for the first time, it can be a stressful event. Right or wrong, most people tend to take anything they can get in a mortgage loan so they can meet the closing of escrow. This is understandable, but can come back to haunt you financially. If you can step back from the chaos for a moment, you might consider the following options that will help build equity.
A 30 year mortgage is the default for most homebuyers. It is the first thing that comes to mind and most assume it is the safest option. A 15 year mortgage, however, is going to cut down on the total interest you pay on the loan as well as supercharge your equity growth. The 15 year loan is far better than a longer option, but only if you are absolutely sure you can meet the monthly payment requirements. If you have any doubts whatsoever, there is another option that you can consider.
Making prepayments on principal is a simple, proven way to build equity. The idea is to make an extra monthly payment when you have sufficient cash to do so. Effectively, you use your home as a savings account by doing this. The advantage over other investments is the equity growth should be tax free. Before taking this step, find out from your lender if there are any prepayment penalties. Regardless, making two of these payments each year will quickly build equity in your home.
If any of these ideas sound interesting, you can still take advantage of them even if you currently have a mortgage. Refinancing your mortgage gives you an opportunity to correct mistakes you made when you more focused on getting through escrow. Talk with a mortgage broker to find out your options.
Saturday, June 23, 2012
Disadvantages of Debt Settlement
Debt settlement is the process of settling debt by the debtor with the creditor. Upon debt settlement a third party or the debtor himself negotiates with the creditor to repay a reduced debt. The tune of debt reduction goes up to 60 percent of the original debt. With debt settlement there are a lot of options for the debtor to settle a debt. With debt settlement, a debtor gets a reduced amount to repay; all the late fees are waived, it reduces the debtor's APR and provides a time span that is chosen by the debtor to clear the debt. However, all of this still comes with a hard price to be paid by the part of the debtor. For a debtor, there are many disadvantages of debt settlement. Disadvantages of debt settlement are not necessarily true for all. What is a disadvantage for one may not be so for another.
The major disadvantage of debt settlement is the negative credit rating that will be shown on a debtor's credit report. Debt settlement is reported in a person's credit report for 7-10 years. This makes it extremely difficult for the debtor to obtain any credit in this period as many creditors view it very seriously.
Debt settlement is not a good option for people who are just behind by one or two month's payments. Curbing spending and planning expenses better can solve this type of financial crunch. Debt settlement is sought for people who are a minimum six months behind in their payments.
The creditor will put up a lot resistance before agreeing for debt settlement. Going it alone for debt settlement can be very frustrating. The creditor may send harassing letters to the debtor when the possibility of debt settlement arises. The biggest downside of debt settlement is that the debtor may be sued by the creditor and the debtor's wages may be garnished. However, a debtor may only be garnished by one creditor at a time and in some states, the debtor may not be garnished at all. There is a possibility also that the court may direct the debtor to pay the full amount.
Another disadvantage of debt settlement is that the debtor has to show the amount of debt owed after exemption as earnings and has to pay income tax on it. This is one of the most overlooked disadvantages of debt settlement. The creditor would send a 100-c form at the end of the year and the debtor has to report the amount listed as income. Though this factor is overlooked, it cannot be a big problem once exempt from paying a big amount. But combined with other disadvantages of debt settlement like negative credit rating for ten years, the frustrating process of securing a debt settlement and the threat of legal proceedings can present a formidable problem.
People considering debt settlement should weigh all the pros and cons before entering into a debt settlement process. Those desiring to secure a loan for a house, vehicle, or education for the kids should think hard.
The major disadvantage of debt settlement is the negative credit rating that will be shown on a debtor's credit report. Debt settlement is reported in a person's credit report for 7-10 years. This makes it extremely difficult for the debtor to obtain any credit in this period as many creditors view it very seriously.
Debt settlement is not a good option for people who are just behind by one or two month's payments. Curbing spending and planning expenses better can solve this type of financial crunch. Debt settlement is sought for people who are a minimum six months behind in their payments.
The creditor will put up a lot resistance before agreeing for debt settlement. Going it alone for debt settlement can be very frustrating. The creditor may send harassing letters to the debtor when the possibility of debt settlement arises. The biggest downside of debt settlement is that the debtor may be sued by the creditor and the debtor's wages may be garnished. However, a debtor may only be garnished by one creditor at a time and in some states, the debtor may not be garnished at all. There is a possibility also that the court may direct the debtor to pay the full amount.
Another disadvantage of debt settlement is that the debtor has to show the amount of debt owed after exemption as earnings and has to pay income tax on it. This is one of the most overlooked disadvantages of debt settlement. The creditor would send a 100-c form at the end of the year and the debtor has to report the amount listed as income. Though this factor is overlooked, it cannot be a big problem once exempt from paying a big amount. But combined with other disadvantages of debt settlement like negative credit rating for ten years, the frustrating process of securing a debt settlement and the threat of legal proceedings can present a formidable problem.
People considering debt settlement should weigh all the pros and cons before entering into a debt settlement process. Those desiring to secure a loan for a house, vehicle, or education for the kids should think hard.
Campus For Finance 2010 Draws Memorable Speakers
Every year for the past ten years, the students of the WHU, Otto Beisheim School of Management in Vallendar/Koblenz, Germany, have held their own New Year's Conference on finance. Putting internationally renowned speakers from the worlds of politics, academia and industry together with exceptional graduate and undergraduate students, the conference invites a thought provoking environment in which creative minds can interact and exchange concepts regarding finance in today's global arena. For two full days, participants listen and learn, while engaging in friendly dialogue and debate about the issues most important to them all. The students work to prepare the conference in conjunction with Prof. Dr. Markus Rudolf, the Dresdner Bank Chair of Finance. Their goals include creating an atmosphere in which participants can discuss challenging issues, win insight into urgent topics in the realms of finance, and establish new contacts in the world of finance.
This year marks the 10th anniversary of the conference; and on January 14 and 15, it will be held under the title Finance 2020 Perspectives on Tomorrow's Markets. The conference is held entirely in English, and all papers presented will be in English. The list of the event's sponsors holds some of the best known names in the world of finance, including Goldman Sachs, Morgan Stanley, Deutsche Bank, The Boston Consulting Group, Rothschild and more. It will be held on the school's picturesque campus, on the banks of the famous Rhine River. The school is under an hour away from Cologne and Frankfurt and only a few miles from the historic old town of Koblenz. Participants will be wined and dined in style, and provided with first rate accommodations in a nearby hotel. For students, it's an opportunity to mix with heavy hitters who have risen to the very top of their fields. For executives and academics, it's a chance to share ideas with international colleagues and to be ignited by youthful passion.
The participants in this year's conference have the exceptional good fortune of being joined by no less than three Nobel Laureates, the first of which is Prof. Robert J. Aumann of the Center for Rationality, The Hebrew University of Jerusalem in Israel. Born in Germany in 1930, Prof. Aumann fled with his family at the onset of the Holocaust and was raised in New York, where he attended Jewish day schools and received his undergraduate degree from New York's City College and his doctorate in mathematics from Boston's MIT. The following year he moved to Israel to join Hebrew University's math department, and he has been there until today, over 50 years later. Twenty years ago he co-founded the university's Center for Rationality. The center performs research using the concepts of Game Theory, and its members hail from every nearly discipline within the university. Prof. Aumann has written six books and scores of papers, and has served as visiting lecturer at some of the America's top schools, including Princeton, Yale and Stanford. Of the numerous prizes and honorary doctorates he has received, the most outstanding is the 2005 Nobel Memorial Prize in Economics.
The second Nobel Laureate attending the conference is world renowned Prof. John F. Nash, Jr. Prof. Nash was born in West Virginia in the United States, the son of a teacher and an electrical engineer. He received his bachelor's and master's degrees at the Carnegie Institute of Technology in Pittsburgh, PA, following which he enrolled for his doctorate studies at Princeton University. There he wrote a dissertation entitled Non-cooperative Games inside which he published a theorem that became known under his name as the Nash Equilibrium theorem. He later worked at Princeton as a teacher, and at MIT as a science assistant. While illness prevented him from further publication, he has remained an avid mathematician and researcher. In 1994 he was co-recipient of the Nobel Memorial Prize in Economics for his work on game theory.
The third Nobel Laureate is Prof. Reinhard Selten, who was actually a co-recipient of the Nobel Memorial Prize in Economics in 1994 alongside Prof. John F. Nash. Born in Breslau, which is now a part of Poland but which was in Germany at the time, Prof. Selten received his master's and doctorate degees in mathematics from the Johann Wolfgang Goethe University in Frankfurt. He went on to build an enviable academic career, lecturing as a professor in universities throughout Germany and co-founding the International Academy of Sciences in San Marino. He became internationally known for his work on game theory and his research into bounded rationality, and is known today as one of the founders of experimental economics. In addition to his academic work he is on several editorial boards and is part of the lobbying efforts to introduce Esperanto as the official language of the European Union.
One of the conference's esteemed corporate participants, Dirk R. Notheis is the CEO of Morgan Stanley Bank AG, and the head of operations in Germany and Austria. Dirk Notheis was a student at the University of Mannheim as well as at the University of Stuttgart, combining the study of philosophy with that of political science and business administration, earning a doctorate in business administration and a Diplom-Kaufmann degree. Following university, Dirk Notheis began working in the field of banking by signing on with SGZ Bank. Five years later he moved to Morgan Stanley, where he has remained ever since, climbing the ladder from head of various industries and the public sector, to ultimately serve in the bank's highest position.
Dame Clara Furse DBE, who once held the position of Chief Executive of London's Stock Exchange, is another valued guest at the conference. Dame Furse was raised on several continents before finding her way back to England, where she received her bachelor's degree in economics at the London School of Economics. Following school she became a broker at the firm of Phillips and Drew, now known as UBS, rising to become first company director, then executive director, managing director and ultimately the Global Head of Futures. Two years later she left to become Group Chief Executive of Credit Lyonnais Rouse. Three years later she was appointed the stock exchange's chief executive, a role she performed for the next 8 years. In 2008, she was named a Dame Commander of the British Commander for the important role she had played in the British Empire's Financial Services industry.
Adding to the list of participants who hold the title of CEO in their companies, Karl-Georg Altenburg joins the roster. A wunderkind who in his mid-40s has achieved the inestimable honor of being named CEO of JP Morgan in Germany, Austria and Switzerland as well as the region's senior country officer, Alternburg has also worked for Salomon Brothers investment banking firm and Arthur Dl Little, as well as at Inquam Ltd, where he served as CFO after cofounding the company. Highly educated, Altenburg has a doctorate in engineering and another in technical science. His love of the art world is expressed through his role as Curator of a museum in Berlin and member of one of Frankfurt's most famous museums.
Alexander Dibelius joins the conference bringing with him a vast amount of experience not only in the world of investment banking but in the field of medicine. Studying to become a doctor, Dibelius received an MD and a PhD from the University of Munich back in the 80s. He chose to enter surgery, and became first a surgical intern and ultimately a practicing surgeon at Freiburg, Germany's university hospital. Switching gears, Dibelius joined McKinsey & Co.as a partner, then moved to Goldman Sachs in 1993 first as an associate, but making vice president that very same year. Working his way up to managing director, Dibelius was named partner in 1998 and today serves as head of the company's investment banking, with the additional responsibility of overseeing business throughout Russia, Eastern Europe, Central Europe, Germany and Austria. Known for his widespread expertise, he has been solicited to serve in a supervisory capacity for a number of portfolio companies in Germany, and the German Banking Association has made him a member of their credit committee.
From the world of real estate comes Prof. Axel Wieandt, the Hypo Real Estate Group's CEO and chairman of the board. Prof. Wieandt is returning to his roots in his attendance of the conference, in that he received both his master's and his doctorate from WHU Otto Beisheim School of Management. He followed these two degrees with a master of management from the Kellogg School of Management in Illinois, USA, and he has since parlayed all three into a highly successful career. After working as a consultant for McKinsey & Company, both in their US and Germany offices, Prof. Wieandt served for one year at Morgan Stanley in London and then at Deutsche Bank Group in Frankfurt as the Global Head of Corporate Strategy. There he rose in the ranks to ultimately become the Group's Global Head of Corporate Development and Global Head of Corporate Investments. In addition to his corporate responsibilities, Prof. Wieandt returned five years ago to his alma mater to lecture the next generation of business students. In 2009 he left Deutsche Bank to become CEO of Hypo Real Estate Holding.
This year marks the 10th anniversary of the conference; and on January 14 and 15, it will be held under the title Finance 2020 Perspectives on Tomorrow's Markets. The conference is held entirely in English, and all papers presented will be in English. The list of the event's sponsors holds some of the best known names in the world of finance, including Goldman Sachs, Morgan Stanley, Deutsche Bank, The Boston Consulting Group, Rothschild and more. It will be held on the school's picturesque campus, on the banks of the famous Rhine River. The school is under an hour away from Cologne and Frankfurt and only a few miles from the historic old town of Koblenz. Participants will be wined and dined in style, and provided with first rate accommodations in a nearby hotel. For students, it's an opportunity to mix with heavy hitters who have risen to the very top of their fields. For executives and academics, it's a chance to share ideas with international colleagues and to be ignited by youthful passion.
The participants in this year's conference have the exceptional good fortune of being joined by no less than three Nobel Laureates, the first of which is Prof. Robert J. Aumann of the Center for Rationality, The Hebrew University of Jerusalem in Israel. Born in Germany in 1930, Prof. Aumann fled with his family at the onset of the Holocaust and was raised in New York, where he attended Jewish day schools and received his undergraduate degree from New York's City College and his doctorate in mathematics from Boston's MIT. The following year he moved to Israel to join Hebrew University's math department, and he has been there until today, over 50 years later. Twenty years ago he co-founded the university's Center for Rationality. The center performs research using the concepts of Game Theory, and its members hail from every nearly discipline within the university. Prof. Aumann has written six books and scores of papers, and has served as visiting lecturer at some of the America's top schools, including Princeton, Yale and Stanford. Of the numerous prizes and honorary doctorates he has received, the most outstanding is the 2005 Nobel Memorial Prize in Economics.
The second Nobel Laureate attending the conference is world renowned Prof. John F. Nash, Jr. Prof. Nash was born in West Virginia in the United States, the son of a teacher and an electrical engineer. He received his bachelor's and master's degrees at the Carnegie Institute of Technology in Pittsburgh, PA, following which he enrolled for his doctorate studies at Princeton University. There he wrote a dissertation entitled Non-cooperative Games inside which he published a theorem that became known under his name as the Nash Equilibrium theorem. He later worked at Princeton as a teacher, and at MIT as a science assistant. While illness prevented him from further publication, he has remained an avid mathematician and researcher. In 1994 he was co-recipient of the Nobel Memorial Prize in Economics for his work on game theory.
The third Nobel Laureate is Prof. Reinhard Selten, who was actually a co-recipient of the Nobel Memorial Prize in Economics in 1994 alongside Prof. John F. Nash. Born in Breslau, which is now a part of Poland but which was in Germany at the time, Prof. Selten received his master's and doctorate degees in mathematics from the Johann Wolfgang Goethe University in Frankfurt. He went on to build an enviable academic career, lecturing as a professor in universities throughout Germany and co-founding the International Academy of Sciences in San Marino. He became internationally known for his work on game theory and his research into bounded rationality, and is known today as one of the founders of experimental economics. In addition to his academic work he is on several editorial boards and is part of the lobbying efforts to introduce Esperanto as the official language of the European Union.
One of the conference's esteemed corporate participants, Dirk R. Notheis is the CEO of Morgan Stanley Bank AG, and the head of operations in Germany and Austria. Dirk Notheis was a student at the University of Mannheim as well as at the University of Stuttgart, combining the study of philosophy with that of political science and business administration, earning a doctorate in business administration and a Diplom-Kaufmann degree. Following university, Dirk Notheis began working in the field of banking by signing on with SGZ Bank. Five years later he moved to Morgan Stanley, where he has remained ever since, climbing the ladder from head of various industries and the public sector, to ultimately serve in the bank's highest position.
Dame Clara Furse DBE, who once held the position of Chief Executive of London's Stock Exchange, is another valued guest at the conference. Dame Furse was raised on several continents before finding her way back to England, where she received her bachelor's degree in economics at the London School of Economics. Following school she became a broker at the firm of Phillips and Drew, now known as UBS, rising to become first company director, then executive director, managing director and ultimately the Global Head of Futures. Two years later she left to become Group Chief Executive of Credit Lyonnais Rouse. Three years later she was appointed the stock exchange's chief executive, a role she performed for the next 8 years. In 2008, she was named a Dame Commander of the British Commander for the important role she had played in the British Empire's Financial Services industry.
Adding to the list of participants who hold the title of CEO in their companies, Karl-Georg Altenburg joins the roster. A wunderkind who in his mid-40s has achieved the inestimable honor of being named CEO of JP Morgan in Germany, Austria and Switzerland as well as the region's senior country officer, Alternburg has also worked for Salomon Brothers investment banking firm and Arthur Dl Little, as well as at Inquam Ltd, where he served as CFO after cofounding the company. Highly educated, Altenburg has a doctorate in engineering and another in technical science. His love of the art world is expressed through his role as Curator of a museum in Berlin and member of one of Frankfurt's most famous museums.
Alexander Dibelius joins the conference bringing with him a vast amount of experience not only in the world of investment banking but in the field of medicine. Studying to become a doctor, Dibelius received an MD and a PhD from the University of Munich back in the 80s. He chose to enter surgery, and became first a surgical intern and ultimately a practicing surgeon at Freiburg, Germany's university hospital. Switching gears, Dibelius joined McKinsey & Co.as a partner, then moved to Goldman Sachs in 1993 first as an associate, but making vice president that very same year. Working his way up to managing director, Dibelius was named partner in 1998 and today serves as head of the company's investment banking, with the additional responsibility of overseeing business throughout Russia, Eastern Europe, Central Europe, Germany and Austria. Known for his widespread expertise, he has been solicited to serve in a supervisory capacity for a number of portfolio companies in Germany, and the German Banking Association has made him a member of their credit committee.
From the world of real estate comes Prof. Axel Wieandt, the Hypo Real Estate Group's CEO and chairman of the board. Prof. Wieandt is returning to his roots in his attendance of the conference, in that he received both his master's and his doctorate from WHU Otto Beisheim School of Management. He followed these two degrees with a master of management from the Kellogg School of Management in Illinois, USA, and he has since parlayed all three into a highly successful career. After working as a consultant for McKinsey & Company, both in their US and Germany offices, Prof. Wieandt served for one year at Morgan Stanley in London and then at Deutsche Bank Group in Frankfurt as the Global Head of Corporate Strategy. There he rose in the ranks to ultimately become the Group's Global Head of Corporate Development and Global Head of Corporate Investments. In addition to his corporate responsibilities, Prof. Wieandt returned five years ago to his alma mater to lecture the next generation of business students. In 2009 he left Deutsche Bank to become CEO of Hypo Real Estate Holding.
Friday, June 22, 2012
How To Strike A Great Deal When Shopping For Used Cars In Las Vegas
With so many options available these days, buying a car is no longer an easy task and it becomes even more complex is you are planning to buy used cars. When buying a new car, you can research the market about price, performance and life of car and simply approach any car dealer to make a purchase. However, real problem starts when you look to buy an old car. This is because you cannot determine the real worth of car in first eye. Hence you need to be smart as well as knowledgeable to get hold of a well-maintained used car at a reasonable price. Mentioned here are few things that you should keep in mind to strike a good deal in Las Vegas used cars market ?
* Proper research - Take time to research the price of used cars on the market based on its mileage, condition and lifespan. When researching a car, decide the brand / model of car you want to buy or the budget within which you want to buy car. Once you are clear with these two things then you can easily search for the options available with auto dealerships.
* Contact reliable dealers - There are several dealers of used cars in Las Vegas; though some are quite good in their business practices, others are fraudulent and waiting for an innocent customer that can be duped. Seek reference from your friends and acquaintance about reliable auto dealerships so that any probability of fraud can be terminated in starting itself. You can even take help of internet and read reviews about particular dealers to learn about their credibility.
* Learn bargaining tactics - You should know how to bargain with these dealers. Do not disclose your plans of arranging funds (i.e. if you are taking loan or financing it yourself, or wish to trade in your old car), otherwise they may increase prices beforehand so that even if you bargain a bit, they still make a huge profit.
* Do not stick to one dealer only - Visit several dealers of used cars in Las Vegas to check the price of car and other offers they are providing. It will increase your options and knowledge level about used cars.
* Regarding financing - If you are looking to finance your car through bank loan then you should try to get automobile loan information of different banks. Information like interest rates and duration of loan vary in different banks; try to get the best deal.
* Warranty - Try to look for those cars that come with warranty so that you can be assure of their performance.
Nowadays market of used cars in Las Vegas is expanding fast as people love to get hold of the latest models that hit the market and hence these people sell off their slightly used car to auto dealerships. So just keep the above tips in mind, and you can definitely join the list of happy used car owners in Las Vegas.
* Proper research - Take time to research the price of used cars on the market based on its mileage, condition and lifespan. When researching a car, decide the brand / model of car you want to buy or the budget within which you want to buy car. Once you are clear with these two things then you can easily search for the options available with auto dealerships.
* Contact reliable dealers - There are several dealers of used cars in Las Vegas; though some are quite good in their business practices, others are fraudulent and waiting for an innocent customer that can be duped. Seek reference from your friends and acquaintance about reliable auto dealerships so that any probability of fraud can be terminated in starting itself. You can even take help of internet and read reviews about particular dealers to learn about their credibility.
* Learn bargaining tactics - You should know how to bargain with these dealers. Do not disclose your plans of arranging funds (i.e. if you are taking loan or financing it yourself, or wish to trade in your old car), otherwise they may increase prices beforehand so that even if you bargain a bit, they still make a huge profit.
* Do not stick to one dealer only - Visit several dealers of used cars in Las Vegas to check the price of car and other offers they are providing. It will increase your options and knowledge level about used cars.
* Regarding financing - If you are looking to finance your car through bank loan then you should try to get automobile loan information of different banks. Information like interest rates and duration of loan vary in different banks; try to get the best deal.
* Warranty - Try to look for those cars that come with warranty so that you can be assure of their performance.
Nowadays market of used cars in Las Vegas is expanding fast as people love to get hold of the latest models that hit the market and hence these people sell off their slightly used car to auto dealerships. So just keep the above tips in mind, and you can definitely join the list of happy used car owners in Las Vegas.
Wednesday, June 20, 2012
Cyrus Global Debt Settlement Company
Cyrus Global -- The company that will help you get rid of the debt burden
Cyrus Global specialists have understood that in these difficult times of economic recession people need guidance to cope with debt. Therefore, they have developed valid and effective strategies, tailored to customer needs, to help them solve their financial problems quickly.
They have not designed these services to create more debt to their clients, but to ease the burden created by monthly rates and bank creditors.
The company works with leading financial institutions and makes strategic investments in order to effectively support the financial needs of its customers.
The finance specialists have founded Cyrus Global based on the results of some in-depth financial analysis on the global market.
The financial crisis has increased bank interest rates and tightened the lending conditions. Thus, many borrowers found themselves unable to pay loans, risking to lose their homes or businesses. Those who call for the services of this company will get valid information and the necessary tools to regain their financial freedom.
The company also offers customers legal protection through special insurance packages, which cover events such as bankruptcy. Moreover, this service provides qualified attorneys who will represent you in court against creditors.
The main services that Cyrus Global can provide are:
1. Debt Settlement -- it is a financial management program designed to reduce the debtor's monthly rates.
As long as the customer continues to pay his debt monthly, the creditor will not modify the rates or the interest. However, if the client ceases the payments, the balance will continue to grow due to continuing interest penalty.
At this time, customers may ask for the bank to change the loan terms, may hire a lawyer or a financial company as Cyrus Global to negotiate on their behalf.
2. Student Loan Default -- it is a restructuring program that involves changing a classical education loan with a new one, more convenient for young students.
This company promises to offer several advantages over other refinancing agents, such as faster results, reduced monthly payments, a unique lender, flexible repayment options, various deferment options and no minimum or maximum loan amount.
3. Tax Liability -- this service provides the customer a well-established payment plan to return all the state taxes.
The customer can pay all state fees in monthly installments without affecting the family budget too much. The program is a real help for customers experiencing financial difficulties and who do not want to receive sanctions from the tax authorities.
4. Credit repair -- this service helps to improve your credit score or credit history.
Cyrus Global specialists can provide vital information and real solutions to improve your credit score, based on rigorous analysis of the entire personal credit history.
It is important to know that if you have credit history, such as payment delays, for example, your score will be quite low.
If you will pay your bills on time, keep your credit card balance low and get smaller loans you will considerably improve your credit score.
Cyrus Global promise to improve your credit report through various strategies, offering a guarantee of $ 10,000 to support this statement.
Cyrus Global specialists have understood that in these difficult times of economic recession people need guidance to cope with debt. Therefore, they have developed valid and effective strategies, tailored to customer needs, to help them solve their financial problems quickly.
They have not designed these services to create more debt to their clients, but to ease the burden created by monthly rates and bank creditors.
The company works with leading financial institutions and makes strategic investments in order to effectively support the financial needs of its customers.
The finance specialists have founded Cyrus Global based on the results of some in-depth financial analysis on the global market.
The financial crisis has increased bank interest rates and tightened the lending conditions. Thus, many borrowers found themselves unable to pay loans, risking to lose their homes or businesses. Those who call for the services of this company will get valid information and the necessary tools to regain their financial freedom.
The company also offers customers legal protection through special insurance packages, which cover events such as bankruptcy. Moreover, this service provides qualified attorneys who will represent you in court against creditors.
The main services that Cyrus Global can provide are:
1. Debt Settlement -- it is a financial management program designed to reduce the debtor's monthly rates.
As long as the customer continues to pay his debt monthly, the creditor will not modify the rates or the interest. However, if the client ceases the payments, the balance will continue to grow due to continuing interest penalty.
At this time, customers may ask for the bank to change the loan terms, may hire a lawyer or a financial company as Cyrus Global to negotiate on their behalf.
2. Student Loan Default -- it is a restructuring program that involves changing a classical education loan with a new one, more convenient for young students.
This company promises to offer several advantages over other refinancing agents, such as faster results, reduced monthly payments, a unique lender, flexible repayment options, various deferment options and no minimum or maximum loan amount.
3. Tax Liability -- this service provides the customer a well-established payment plan to return all the state taxes.
The customer can pay all state fees in monthly installments without affecting the family budget too much. The program is a real help for customers experiencing financial difficulties and who do not want to receive sanctions from the tax authorities.
4. Credit repair -- this service helps to improve your credit score or credit history.
Cyrus Global specialists can provide vital information and real solutions to improve your credit score, based on rigorous analysis of the entire personal credit history.
It is important to know that if you have credit history, such as payment delays, for example, your score will be quite low.
If you will pay your bills on time, keep your credit card balance low and get smaller loans you will considerably improve your credit score.
Cyrus Global promise to improve your credit report through various strategies, offering a guarantee of $ 10,000 to support this statement.
Tuesday, June 19, 2012
Debt Modification-strengthens monetary values of credit card
There would be certain periods in life when you would not be able to manage huge list of expenses. These expenses represent basic necessities of life. Such necessities are for groceries, infrastructural facilities like electricity, water, gas and house hold rent, etc. Though, there are some needs which are unpredictable, still you need to be prepared for them. Such needs are for debt consolidation, car repairs, unplanned trips, etc. It is difficult to manage all these expenses with the single source of income. The dues or the debts would exceed your monthly earning and even using payday loan would not resolve any solution. Debt Modification is the only way to get rid of heavy dues.
You can come in contact with many lenders online who would help you to get debt modification. The websites in fact represent the loan facilitators. However, getting a reliable lender is little tough. Proper online research would enable you to find a trustful one. To avoid further risks, it would be better for you to read the terms and conditions given in the print. Otherwise, you would end up paying for hidden costs. You need not have to worry about your bad credit history. In fact, you would not be scrutinized for it. You would not be even deprived for any other bad factor like county court judgments, foreclosures, bankruptcy, missed payments, defaults, etc.
If your loan requirement is not less than 00 and you are maintaining more than one credit card, then you would be able to qualify for credit card debt modification. You would have to also fulfill the basic conditions and apply online without paying any processing fee:
a) You need to be genuine citizen of US.
b) You ought to be 18 years old.
c) Should work in a reputed organization with minimum income of 00 for not less than 6 months old. It would determine your repayment ability.
d) It is required to mention the bank account details which should not be below 3 months old. It would be used for monetary transactions.
Fill up the form with the required details and submit it online. It would be a matter of few hours when the form would reach the lender's secured server. It would not be more than few hours when the money would be transmitted to your bank account. You would have enough amounts to clear the dues or purchase necessary goods or services.
You can come in contact with many lenders online who would help you to get debt modification. The websites in fact represent the loan facilitators. However, getting a reliable lender is little tough. Proper online research would enable you to find a trustful one. To avoid further risks, it would be better for you to read the terms and conditions given in the print. Otherwise, you would end up paying for hidden costs. You need not have to worry about your bad credit history. In fact, you would not be scrutinized for it. You would not be even deprived for any other bad factor like county court judgments, foreclosures, bankruptcy, missed payments, defaults, etc.
If your loan requirement is not less than 00 and you are maintaining more than one credit card, then you would be able to qualify for credit card debt modification. You would have to also fulfill the basic conditions and apply online without paying any processing fee:
a) You need to be genuine citizen of US.
b) You ought to be 18 years old.
c) Should work in a reputed organization with minimum income of 00 for not less than 6 months old. It would determine your repayment ability.
d) It is required to mention the bank account details which should not be below 3 months old. It would be used for monetary transactions.
Fill up the form with the required details and submit it online. It would be a matter of few hours when the form would reach the lender's secured server. It would not be more than few hours when the money would be transmitted to your bank account. You would have enough amounts to clear the dues or purchase necessary goods or services.
Monday, June 18, 2012
Easy Homemade Band Instruments
Even if you do not own a piano or another type of musical instrument, you may make yourself a variety of simple and fun band instruments. Crafting your own personal instruments can be quite a fun activity for youngsters hunting for a way to spend a lazy afternoon. As a matter of fact, adults might have as much fun as children once they make and play their own unique instruments. Should you have a large group of children or adults, you will be able to make your own impromptu band, and this can be a lot of fun. If so, be sure to take a good amount of photos of your band in action, as these photos could be a great deal of fun to showcase in collage picture frames. Below are a few fun, inexpensive, and simple ways to help you to get going on your homemade instruments.
Coffee Can Maracas
Should you want to make a maraca out of a coffee can, the thing you need is a metal coffee can, some popcorn kernels, a roll of tape, and decorations if you wish. All that you need to do is take off the plastic lid from an empty and clean can and put in a small amount of popcorn or dried beans. Place the lid back on the can and tape it securely on. Then decorate the can with construction paper or other embellishments if desired. To try out your homemade maracas, simply shake the can.
Tambourines from Pie Pans
Tambourines can be a lot of fun to play, no matter what age you are. To produce a great homemade version, you will want two disposable aluminum pie pans. The very first thing that you'll do will be to nest each of the pans together, then use a wooden block as well as an awl to punch several holes into and through the edges of your pans. When finished, flip them so that the open sides of the pans are facing one another. Use some yarn to string or sew the plates together, while threading a jingle bell on your yarn between each hole. Knot your yarn, and decorate the tambourine if desired.
Drum From an Oatmeal Canister
Children always appear to love drums. Once you make one of these drums, take a picture of the individual playing it to showcase in a fun picture frame. When you wish a relatively inexpensive drum, take an empty oatmeal canister and punch two holes straight across from one another, an inch from the top. Use a piece of yarn and thread through the holes, knotting it inside. You can even knot the thread through a small spool or pony bead to keep the knot from pulling through the canister. If you make the yarn of sufficient length the drum may be comfortably hung around the neck while playing. Next you will place the lid on top of the container, then decorate in any manner that you want. If you would like to produce some drumsticks, it is possible to do it by gluing two small beads or spools to the ends of two unsharpened wooden pencils.
Create A Humming Comb
One of the classic homemade instruments is the humming comb. All you need is a simple plastic pocket comb, and a piece of waxed or tissue paper. Fold the paper over the teeth edge of the comb. Then, put the comb to the lips and hum. The paper will vibrate, creating a unique musical sound.
Start The Music!
Once you have a collection of instruments made, get everyone together for a band recital. Be sure you take lots of photos, because they are certain to be precisely the kind you want to display in 4x6 picture frames.
Coffee Can Maracas
Should you want to make a maraca out of a coffee can, the thing you need is a metal coffee can, some popcorn kernels, a roll of tape, and decorations if you wish. All that you need to do is take off the plastic lid from an empty and clean can and put in a small amount of popcorn or dried beans. Place the lid back on the can and tape it securely on. Then decorate the can with construction paper or other embellishments if desired. To try out your homemade maracas, simply shake the can.
Tambourines from Pie Pans
Tambourines can be a lot of fun to play, no matter what age you are. To produce a great homemade version, you will want two disposable aluminum pie pans. The very first thing that you'll do will be to nest each of the pans together, then use a wooden block as well as an awl to punch several holes into and through the edges of your pans. When finished, flip them so that the open sides of the pans are facing one another. Use some yarn to string or sew the plates together, while threading a jingle bell on your yarn between each hole. Knot your yarn, and decorate the tambourine if desired.
Drum From an Oatmeal Canister
Children always appear to love drums. Once you make one of these drums, take a picture of the individual playing it to showcase in a fun picture frame. When you wish a relatively inexpensive drum, take an empty oatmeal canister and punch two holes straight across from one another, an inch from the top. Use a piece of yarn and thread through the holes, knotting it inside. You can even knot the thread through a small spool or pony bead to keep the knot from pulling through the canister. If you make the yarn of sufficient length the drum may be comfortably hung around the neck while playing. Next you will place the lid on top of the container, then decorate in any manner that you want. If you would like to produce some drumsticks, it is possible to do it by gluing two small beads or spools to the ends of two unsharpened wooden pencils.
Create A Humming Comb
One of the classic homemade instruments is the humming comb. All you need is a simple plastic pocket comb, and a piece of waxed or tissue paper. Fold the paper over the teeth edge of the comb. Then, put the comb to the lips and hum. The paper will vibrate, creating a unique musical sound.
Start The Music!
Once you have a collection of instruments made, get everyone together for a band recital. Be sure you take lots of photos, because they are certain to be precisely the kind you want to display in 4x6 picture frames.
Thursday, June 14, 2012
All About Ebay >> Benefits Of Bidz Auctions On Ebay
Buying something or bidz auction on internet is popular, especially in United States since it is easy, quick, and convenient. One of popular web auction is eBay. As per experience of me and friend, there are so many benefits to bidz auction on eBay.
1. We agree that eBay isn't like a traditional retailer; eBay is the online web auction. EBay has an unlimited number of products to select from such as properties, houses for auction, real estate, cars, merchandise, clothing, toys, pet supplies, home dcor, entertainment items, plus more on eBay.
2. When you bidz auction or shopping on eBay, so you have many sellers to buy from. Because of so many auctioneers are selling the similar products, you should have the choice to choose who you want to do business with. When buying a product online, for instance accessories for cars, particularly one that is offered for sale by a variety of sellers, you should examine product costs, shipping and handling costs, as well as each seller's feedback. Doing so will make shopping on eBay a positive experience for you.
3. Bidz auction on eBay is easy. Should you be an eBay buyer, you need to create a free eBay account. That account will help you buy on eBay. Thoughts is broken a registered eBay member, you can easily start searching for products that you would like. For instance, should you be looking for particular accessories for car, you can just type the Car GPS and Garmin into eBay's search box and you should be presented with a number of auctions which have your Garmin Car GPS available.
Actually, if you live not sure as to whether or not you wish to start shopping on eBay, you should at least examine it. EBay guests can navigate the website to get a taste of what items can commonly be found for sale on eBay. With a large selection of products, several sellers available, and ease of use, there is a good chance that you might find yourself doing the bulk of your online shopping on eBay. And, if you end up doing so, you will definitely not be alone.
1. We agree that eBay isn't like a traditional retailer; eBay is the online web auction. EBay has an unlimited number of products to select from such as properties, houses for auction, real estate, cars, merchandise, clothing, toys, pet supplies, home dcor, entertainment items, plus more on eBay.
2. When you bidz auction or shopping on eBay, so you have many sellers to buy from. Because of so many auctioneers are selling the similar products, you should have the choice to choose who you want to do business with. When buying a product online, for instance accessories for cars, particularly one that is offered for sale by a variety of sellers, you should examine product costs, shipping and handling costs, as well as each seller's feedback. Doing so will make shopping on eBay a positive experience for you.
3. Bidz auction on eBay is easy. Should you be an eBay buyer, you need to create a free eBay account. That account will help you buy on eBay. Thoughts is broken a registered eBay member, you can easily start searching for products that you would like. For instance, should you be looking for particular accessories for car, you can just type the Car GPS and Garmin into eBay's search box and you should be presented with a number of auctions which have your Garmin Car GPS available.
Actually, if you live not sure as to whether or not you wish to start shopping on eBay, you should at least examine it. EBay guests can navigate the website to get a taste of what items can commonly be found for sale on eBay. With a large selection of products, several sellers available, and ease of use, there is a good chance that you might find yourself doing the bulk of your online shopping on eBay. And, if you end up doing so, you will definitely not be alone.
Monday, June 11, 2012
Help! My Fsbo Appraisal Came In Too Low!
First off, DON'T PANIC. An appraisal is an opinion of market value given by a licensed appraiser on a particular property at a specific point in time. The key word here is opinion. Appraising is not an exact science otherwise there would be no need for appraisers and all anyone need do is get a value from online services like Zillow.
Even though licensed appraisers all have to adhere to the same set of guidelines approved by the Appraisal Foundation, there are so many variables involved that the end result can only be described as an opinion of value. This does NOT mean that the appraiser's opinion is not a correct valuation; it just means that there can be more than one opinion that is correct. These differing values are supported by the appraiser's choice of considerations, and the weight given to each of them, which affect the house being appraised. The differences in appraised value can be even more marked if one of the appraisers is from outside the area where the property is located as opposed to the value given by a local appraiser.
What to do. If you had an appraisal done when you priced your home for sale, get in touch with that original appraiser and ask them to do an updated appraisal for you. Tell them that the value is coming in lower than the amount they appraised it for and you need documentation to support your price. You will probably have to pay for this, but the cost should be lower if the original appraisal was completed not too long ago. If the re-appraisal supports your sale price, get in touch with the buyer's lender immediately and present your case for this value to be accepted. If the difference in value is considerable, the lender might insist on a third appraisal and/or an appraisal review.
What if you didn't get an appraisal before you priced your house? Well then, you have a couple of options. Obviously, the first is to get your own appraisal done and hope that it comes back at the price you need and, if it does, then proceed as above. If this second appraisal also comes in lower, then it would appear you have overpriced your house to begin with. You can then either lower your price to the appraised value or ask that the buyer to come up with the difference in cash if they still want the house, or you could carry a second for the difference. Most buyers won't do this unless there was a burning desire for them to have that particular home. If you then decide that you still want to sell, you can put the house back on the market at the appraised price.
The other option is to challenge the appraiser's findings. This can be very difficult and time consuming. To do this, you will need a copy of the appraisal, not just the summary. The best thing to challenge is the comparable sales the appraiser used. Remember, these are homes that have sold and closed, not those still on the market. Look at these very carefully and then go visit them to see if they are truly comparable to your house. You need to make sure that the appraiser is comparing apples to apples. If there are comps used that are not similar to yours, maybe in a different tract, different and lower quality builder, a builders value priced model, different school district, in the county instead of the city etc. then you have a strong case for an appraisal review. Rather than just going to the lender and saying that the wrong comps were used, you have to go armed with comps that will support your claim of a higher value. To do this, you will need to go to the County Recorder's office and search for homes that are similar to yours which have recorded as sold within the past six months. The more recent solds are the best and most accurate ones to use. When you look at the appraisal report, look carefully to see what adjustments the appraiser made to the comps to compensate for amenities that you do or don't have in your house. Sometimes you might find incorrect allowances made for a/c, pools, spas, new roof, landscaping etc. These all have value but not the same value as the price you paid for them.
After reviewing everything carefully and you can't find any glaring discrepancies in the report, then the best thing to do is accept the findings and move on. If you sold your house using a real estate agent, then there are things that they can help you with, but that's another topic.
Even though licensed appraisers all have to adhere to the same set of guidelines approved by the Appraisal Foundation, there are so many variables involved that the end result can only be described as an opinion of value. This does NOT mean that the appraiser's opinion is not a correct valuation; it just means that there can be more than one opinion that is correct. These differing values are supported by the appraiser's choice of considerations, and the weight given to each of them, which affect the house being appraised. The differences in appraised value can be even more marked if one of the appraisers is from outside the area where the property is located as opposed to the value given by a local appraiser.
What to do. If you had an appraisal done when you priced your home for sale, get in touch with that original appraiser and ask them to do an updated appraisal for you. Tell them that the value is coming in lower than the amount they appraised it for and you need documentation to support your price. You will probably have to pay for this, but the cost should be lower if the original appraisal was completed not too long ago. If the re-appraisal supports your sale price, get in touch with the buyer's lender immediately and present your case for this value to be accepted. If the difference in value is considerable, the lender might insist on a third appraisal and/or an appraisal review.
What if you didn't get an appraisal before you priced your house? Well then, you have a couple of options. Obviously, the first is to get your own appraisal done and hope that it comes back at the price you need and, if it does, then proceed as above. If this second appraisal also comes in lower, then it would appear you have overpriced your house to begin with. You can then either lower your price to the appraised value or ask that the buyer to come up with the difference in cash if they still want the house, or you could carry a second for the difference. Most buyers won't do this unless there was a burning desire for them to have that particular home. If you then decide that you still want to sell, you can put the house back on the market at the appraised price.
The other option is to challenge the appraiser's findings. This can be very difficult and time consuming. To do this, you will need a copy of the appraisal, not just the summary. The best thing to challenge is the comparable sales the appraiser used. Remember, these are homes that have sold and closed, not those still on the market. Look at these very carefully and then go visit them to see if they are truly comparable to your house. You need to make sure that the appraiser is comparing apples to apples. If there are comps used that are not similar to yours, maybe in a different tract, different and lower quality builder, a builders value priced model, different school district, in the county instead of the city etc. then you have a strong case for an appraisal review. Rather than just going to the lender and saying that the wrong comps were used, you have to go armed with comps that will support your claim of a higher value. To do this, you will need to go to the County Recorder's office and search for homes that are similar to yours which have recorded as sold within the past six months. The more recent solds are the best and most accurate ones to use. When you look at the appraisal report, look carefully to see what adjustments the appraiser made to the comps to compensate for amenities that you do or don't have in your house. Sometimes you might find incorrect allowances made for a/c, pools, spas, new roof, landscaping etc. These all have value but not the same value as the price you paid for them.
After reviewing everything carefully and you can't find any glaring discrepancies in the report, then the best thing to do is accept the findings and move on. If you sold your house using a real estate agent, then there are things that they can help you with, but that's another topic.
Sunday, June 10, 2012
School Counselor Cover Letter
For those of you looking to find a lucrative and rewarding job as a school counselor, here is an example of a cover letter that will aid you in writing your own. Take a look.
A school counselor is the ear for student's problems in school. These problems could be career-related, personal, or study-related. A student can talk to a school counselor about problems with peer pressure, problems with choosing a career, difficulty studying or catching up with a particular subject, or even problems in the home in some cases. A school counselor not only hears out a student, but also provides the appropriate guidance to her/him so that her/his problem may be resolved. Such a professional may also serve as a mediator between the student and say a professor or a classmate, if there has been a miscommunication that has resulted in a major problem. As such, the prime job of a school counselor is to counsel students and aid their psychological development in a healthy manner. By implementing various techniques that help reduce their stress, school counselors help students grow with lesser pressure that they are prone to in today's day and time.
The job of a school counselor is highly rewarding, and those of you who wish to make a definite career in this field should know how to introduce yourselves to a potential employer. This you can do by writing a good cover letter that will get you an appropriate job. Given here is a sample of a cover letter for a school counselor that will help you write a good one yourself.
How to Write a Cover Letter: for School Counselors
The job of a school counselor is highly sensitive, which is why you should make the most of the cover letter you send to a prospective school, explaining why you would be the best candidate for the position. It is all you have to speak for you till you are granted a personal interview for further discussion. So, here's a sample you can go through to draft your cover letter on similar lines.
Sample Cover Letter for a School Counselor
Your Name
Address Contact Number: 0000-0000 E-Mail Address
________________________________________
Date
Contact Name (Name of Hiring Manager)
Contact Designation
School Name
School Address
School City, State, Zip
Dear Ms./Mr. Last Name,
This letter is in response to the job posting that I have come across on the JKL website for a school counselor with your esteemed school. I understand that you are looking for someone with a good amount of experience working with children, and I can safely say that I may be able to fit the bill in more ways than one.
I have 6 years of work experience in the field and have primarily been working with children in high school. However, my expertise is not limited just to this lot and I can easily cater to the needs of children of any age group in school. My experience began as early as college, when I used to volunteer with school going children in orphanages, and would advice them on the social problems they faced in school. That is when I decided that being a school counselor was the perfect job for me.
Having started at an early age, I find that my expertise does in fact lie in helping students deal with social pressure, and helping them cope with the stress and frustration it brings. I have also been successfully able to help students improve their self-esteem by making them focus on past successes, so that they may be able to garner the strength for future aspirations. I don't think age has any role to play when it comes to warming up to students. So long as they can find a mentor and a guide in someone, they are likely to open up to them.
I believe my aforementioned skills will be an asset to your school, and that I will definitively be able to contribute to the psychological growth and personality development of the children at an individual level, as well as to meet the expectations of the school from students who pass out from it. I assure you that I am a highly dedicated professional who understands the sensitivity of the position as a school counselor. Do feel free to call me on the number mentioned above to arrange an interview and discuss this position at length, at your convenience.
Thank you for your time and consideration.
Sincerely,
Signature
Name
Encl: Resume
Since your resume will talk about your experience in detail, focus your letter on your personality traits and your previous experience with kids. This will boost your prospects for an interview, and is likely to have you land that coveted job. Good luck!
A school counselor is the ear for student's problems in school. These problems could be career-related, personal, or study-related. A student can talk to a school counselor about problems with peer pressure, problems with choosing a career, difficulty studying or catching up with a particular subject, or even problems in the home in some cases. A school counselor not only hears out a student, but also provides the appropriate guidance to her/him so that her/his problem may be resolved. Such a professional may also serve as a mediator between the student and say a professor or a classmate, if there has been a miscommunication that has resulted in a major problem. As such, the prime job of a school counselor is to counsel students and aid their psychological development in a healthy manner. By implementing various techniques that help reduce their stress, school counselors help students grow with lesser pressure that they are prone to in today's day and time.
The job of a school counselor is highly rewarding, and those of you who wish to make a definite career in this field should know how to introduce yourselves to a potential employer. This you can do by writing a good cover letter that will get you an appropriate job. Given here is a sample of a cover letter for a school counselor that will help you write a good one yourself.
How to Write a Cover Letter: for School Counselors
The job of a school counselor is highly sensitive, which is why you should make the most of the cover letter you send to a prospective school, explaining why you would be the best candidate for the position. It is all you have to speak for you till you are granted a personal interview for further discussion. So, here's a sample you can go through to draft your cover letter on similar lines.
Sample Cover Letter for a School Counselor
Your Name
Address Contact Number: 0000-0000 E-Mail Address
________________________________________
Date
Contact Name (Name of Hiring Manager)
Contact Designation
School Name
School Address
School City, State, Zip
Dear Ms./Mr. Last Name,
This letter is in response to the job posting that I have come across on the JKL website for a school counselor with your esteemed school. I understand that you are looking for someone with a good amount of experience working with children, and I can safely say that I may be able to fit the bill in more ways than one.
I have 6 years of work experience in the field and have primarily been working with children in high school. However, my expertise is not limited just to this lot and I can easily cater to the needs of children of any age group in school. My experience began as early as college, when I used to volunteer with school going children in orphanages, and would advice them on the social problems they faced in school. That is when I decided that being a school counselor was the perfect job for me.
Having started at an early age, I find that my expertise does in fact lie in helping students deal with social pressure, and helping them cope with the stress and frustration it brings. I have also been successfully able to help students improve their self-esteem by making them focus on past successes, so that they may be able to garner the strength for future aspirations. I don't think age has any role to play when it comes to warming up to students. So long as they can find a mentor and a guide in someone, they are likely to open up to them.
I believe my aforementioned skills will be an asset to your school, and that I will definitively be able to contribute to the psychological growth and personality development of the children at an individual level, as well as to meet the expectations of the school from students who pass out from it. I assure you that I am a highly dedicated professional who understands the sensitivity of the position as a school counselor. Do feel free to call me on the number mentioned above to arrange an interview and discuss this position at length, at your convenience.
Thank you for your time and consideration.
Sincerely,
Signature
Name
Encl: Resume
Since your resume will talk about your experience in detail, focus your letter on your personality traits and your previous experience with kids. This will boost your prospects for an interview, and is likely to have you land that coveted job. Good luck!
Saturday, June 9, 2012
Your 401 Plan Serviced By Fidelity
If you sign up for e-mail statements or follow the companies rules. For more complete information on any investment restrictions associated with your employer-sponsored plans at work. Start by contacting the school and explaining the hardship you and transfer the money from your Plan Administrator generally no less than 30 days nor more than 90 days before your distribution date. The different types of 401k offered by Fidelity Brokerage Services.
Employers Find out more about content provided by Fidelity Investments is that most of their brokerage accounts. If you receive a Special Tax Notice Regarding Plan Payments from your 401 plan serviced by Fidelity. Options when you retire Depending on your retirement fund being maximized for you. Withdrawals from your 401K into one of their fees can be avoided if you hold company stock in your future. Is your retirement investments as well. Use the chart below to determine if consolidating your retirement goals and how you can manage your retirement goals and how can you get there. Through this option one can supervise your retirement savings more efficiently.
This option lets you view and update their plans through the wireless service. They also offer a feature called Fidelity Anywhere. Excessive Trading Policies Target Market Timing Some investors may contact us for more information about your account, account balances, loan balances, and much more. The Fall Issue of Stages Online Is In These articles can help you with retirement planning. Smart Moves for Retirement.
Employers and employee who have never logged in. The company also has an automated telephone service centers and the up to date prices for all eligible plan investment opportunities. Another convenient way to please both the employees and yourself.
The tax information contained herein is general in nature, is provided for informational purposes only, and should not be construed as legal or tax situation. Contribution limits Before you invest, understand the 401 account contribution limits established by the FDIC or any other government agency. Each statement includes in depth information about the tax advantages of joining a 401. These are the sections of Enrollment you will get a statement every three months. The 401k Center has a network of financial professionals that work with the best qualified companies. The different types of 401k offered by Fidelity Investments is that most of their brokerage accounts. Start by contacting the school and explaining the hardship you and transfer the money from your 401K into one of their brokerage accounts.
Information about the services offered by Fidelity Brokerage Services.
Employers Find out more about content provided by Fidelity Investments is that most of their brokerage accounts. If you receive a Special Tax Notice Regarding Plan Payments from your 401 plan serviced by Fidelity. Options when you retire Depending on your retirement fund being maximized for you. Withdrawals from your 401K into one of their fees can be avoided if you hold company stock in your future. Is your retirement investments as well. Use the chart below to determine if consolidating your retirement goals and how you can manage your retirement goals and how can you get there. Through this option one can supervise your retirement savings more efficiently.
This option lets you view and update their plans through the wireless service. They also offer a feature called Fidelity Anywhere. Excessive Trading Policies Target Market Timing Some investors may contact us for more information about your account, account balances, loan balances, and much more. The Fall Issue of Stages Online Is In These articles can help you with retirement planning. Smart Moves for Retirement.
Employers and employee who have never logged in. The company also has an automated telephone service centers and the up to date prices for all eligible plan investment opportunities. Another convenient way to please both the employees and yourself.
The tax information contained herein is general in nature, is provided for informational purposes only, and should not be construed as legal or tax situation. Contribution limits Before you invest, understand the 401 account contribution limits established by the FDIC or any other government agency. Each statement includes in depth information about the tax advantages of joining a 401. These are the sections of Enrollment you will get a statement every three months. The 401k Center has a network of financial professionals that work with the best qualified companies. The different types of 401k offered by Fidelity Investments is that most of their brokerage accounts. Start by contacting the school and explaining the hardship you and transfer the money from your 401K into one of their brokerage accounts.
Information about the services offered by Fidelity Brokerage Services.
Friday, June 8, 2012
Choosing the Best Property Management System for Commercial Property Managers
Being a commercial rental property manager is not an easy task. What if you don't have the necessary tools that would be of help in your work? If you're a solopreneur who owns or manages commercial rental property, and are looking to make your life easier, why not look for the right affordable property management software for your business. A property management system that would have all your necessities packed in one. In this article we will help you determine what commercial property management software is best for your needs.
First, you must know your needs. What are you looking for in property management software? What are the functions, abilities or features that you are looking for? Second, do you need a desktop application or a web-based program? Third, is the software user-friendly? Fourth, how affordable is the retail property management software?
The common features of a commercial property management software are:
* Keep track of rent payments for tenants which include utilities and other charges such as late charges. Accept partial and government subsidies.
* An easy-to-use database that tracks all the information about your tenants that you will need.
* Keep track of all your work orders, and scheduled repairs.
* Record important information on all of your rental units.
* Organize your tasks and easily create lists of things to do.
* Keep track of deposits, payments to accounts, and other income sources. Generate registers for your income reporting accounts.
* A way to add misc. charges and record full and partial rent payments and print rent receipts.
* Generate rent receipts, statements, and keep track of payments.
* Keep track of any appliances, furniture, etc. that is part of the rental unit with this component.
* Record all your expense payments and travel deductions. View deposits and debits for any number of expense reporting accounts.
* Track of all your income and tax deductible expenses and generate tax form reports.
Some commercial real estate software will also keep track of schedules, generate form letters to be mailed or emailed, and provide other tools to help you streamline your business. Consider these additional features:
* Send promotional materials or other form letters to all of your guests, vendors, family, friends or any other contacts.
* Create Work Orders for any repairs or maintenance, track vendors, schedules, work completed and amounts paid.
* Display your appointments, deadlines and other important events in Daily, Weekly or Monthly Calendar formats.
* Create To Do Lists with room for notes, deadlines, priorities, etc. with project management software.
The best lease management software also includes tools which allow you to look up where area codes are, calculate time zone differences, and has a universal calculator that adds or subtracts numbers, dates and times, converts length, volume and weight measurements, computes discounts, sales tax, foreign money exchanges and loan payment amounts.
One major thing to consider is, should it be a desktop application or a web-based application? Here are some differences between the two:
* A desktop application is an application that runs without the need of an internet connection. A web-based application, which includes any software you log on to a web site to access, requires a fast, reliable internet connection.
* Desktop software is generally much faster and easier to use than web-based software. If you do not have a very fast internet connection, it could take you several times longer to get the same amount of work done.
* If your web connection goes down, or the company's website were to go down, or the company went out of business, you will no longer have access to your data if using web-based applications. A desktop application, if backed-up regularly, is more secure and reliable than a web-based application.
* With web-based applications you rent the software, paying monthly fees and often get only email support. With desktop applications, you generally pay just once, and technical support is often included.
Would you rather pay less on a monthly basis for web-based software, which will add up to much more over time, or pay one reasonable amount up front and get the features, speed and reliability of a desktop application?
As a solopreneur, I'm sure you would rather find ways to save money and at the same time have the features and capabilities you are looking for in commercial rental management software?
With these things in mind, you can now determine what would be the best commercial property management software for your need. The best building management software in my opinion is Rental Property Tracker Plus. It is a reasonably priced desktop application that is easy to use and is available for most Mac and Windows computers.
First, you must know your needs. What are you looking for in property management software? What are the functions, abilities or features that you are looking for? Second, do you need a desktop application or a web-based program? Third, is the software user-friendly? Fourth, how affordable is the retail property management software?
The common features of a commercial property management software are:
* Keep track of rent payments for tenants which include utilities and other charges such as late charges. Accept partial and government subsidies.
* An easy-to-use database that tracks all the information about your tenants that you will need.
* Keep track of all your work orders, and scheduled repairs.
* Record important information on all of your rental units.
* Organize your tasks and easily create lists of things to do.
* Keep track of deposits, payments to accounts, and other income sources. Generate registers for your income reporting accounts.
* A way to add misc. charges and record full and partial rent payments and print rent receipts.
* Generate rent receipts, statements, and keep track of payments.
* Keep track of any appliances, furniture, etc. that is part of the rental unit with this component.
* Record all your expense payments and travel deductions. View deposits and debits for any number of expense reporting accounts.
* Track of all your income and tax deductible expenses and generate tax form reports.
Some commercial real estate software will also keep track of schedules, generate form letters to be mailed or emailed, and provide other tools to help you streamline your business. Consider these additional features:
* Send promotional materials or other form letters to all of your guests, vendors, family, friends or any other contacts.
* Create Work Orders for any repairs or maintenance, track vendors, schedules, work completed and amounts paid.
* Display your appointments, deadlines and other important events in Daily, Weekly or Monthly Calendar formats.
* Create To Do Lists with room for notes, deadlines, priorities, etc. with project management software.
The best lease management software also includes tools which allow you to look up where area codes are, calculate time zone differences, and has a universal calculator that adds or subtracts numbers, dates and times, converts length, volume and weight measurements, computes discounts, sales tax, foreign money exchanges and loan payment amounts.
One major thing to consider is, should it be a desktop application or a web-based application? Here are some differences between the two:
* A desktop application is an application that runs without the need of an internet connection. A web-based application, which includes any software you log on to a web site to access, requires a fast, reliable internet connection.
* Desktop software is generally much faster and easier to use than web-based software. If you do not have a very fast internet connection, it could take you several times longer to get the same amount of work done.
* If your web connection goes down, or the company's website were to go down, or the company went out of business, you will no longer have access to your data if using web-based applications. A desktop application, if backed-up regularly, is more secure and reliable than a web-based application.
* With web-based applications you rent the software, paying monthly fees and often get only email support. With desktop applications, you generally pay just once, and technical support is often included.
Would you rather pay less on a monthly basis for web-based software, which will add up to much more over time, or pay one reasonable amount up front and get the features, speed and reliability of a desktop application?
As a solopreneur, I'm sure you would rather find ways to save money and at the same time have the features and capabilities you are looking for in commercial rental management software?
With these things in mind, you can now determine what would be the best commercial property management software for your need. The best building management software in my opinion is Rental Property Tracker Plus. It is a reasonably priced desktop application that is easy to use and is available for most Mac and Windows computers.
Thursday, June 7, 2012
Kansas City No Credit Check Auto Sales - Buying a First Car
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.
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.
Is This A Legally Binding Orlando Real Estate Contract
Modern technology is a wonderful thing, creating easy connectivity between people all over the nation. But it's also causing problems in many areas, and buying Orlando real estate is one of them.
Here's the problem: Many people selling Orlando real estate may live in another city or state. In this case, negotiations may be conducted over the phone, through email, via Yahoo conversations - some even use Twitter for real estate deals and information.
At the same time, this also means that legal documents may be passed through email, uploaded to a website for easy viewing or through any number of other online methods. PDF documents, for instance, have become a very popular way to pass on legal forms because they're easy to fill out, don't have to printed, etc.
As the buyer, you can't afford to take the seller's word that they've accepted your position - especially through email. For instance, a buyer recently had a home sale fall through. The seller accepted the terms through email, told the buyer that the seller had signed the contract and sent it on to the agent. Somehow, even though the buyer was positive the contract had been agreed upon, the house was sold to another buyer.
Although laws change from state to state, it's always best to have the contract in printed form, with an actual signature - in ink. Without the actual contract, all you have is an email. Although emails can be legally binding, they don't hold a candle to having the printed and signed contract in hand.
Here are a few tips to make sure your housing purchase goes off without a hitch:
Meet in person - This may be a difficult prospect, especially if the seller lives out of state. However, if you can't meet them in person, their agent should at least be local. Meeting with the home seller's legal representative (i.e. Real estate agent) is the next best thing.
Get it in writing, and get it in print - Who wants to wait for the post office to deliver a paper contract when you can get it from an email? Well you do. Yes, it might slow the process of buying a house and closing the deal, but so will having the seller back out.
Verify the important points - Make sure you and the seller really do agree on the terms of the contract before you put your signature on it. You, or preferably your buyer's agent, should go over the contract with the seller's agent who should go over it with the seller.
It's a great time to buy Orlando real estate, but don't let technology lose you the contract. Cross your t's and dot your i's - on paper!
Here's the problem: Many people selling Orlando real estate may live in another city or state. In this case, negotiations may be conducted over the phone, through email, via Yahoo conversations - some even use Twitter for real estate deals and information.
At the same time, this also means that legal documents may be passed through email, uploaded to a website for easy viewing or through any number of other online methods. PDF documents, for instance, have become a very popular way to pass on legal forms because they're easy to fill out, don't have to printed, etc.
As the buyer, you can't afford to take the seller's word that they've accepted your position - especially through email. For instance, a buyer recently had a home sale fall through. The seller accepted the terms through email, told the buyer that the seller had signed the contract and sent it on to the agent. Somehow, even though the buyer was positive the contract had been agreed upon, the house was sold to another buyer.
Although laws change from state to state, it's always best to have the contract in printed form, with an actual signature - in ink. Without the actual contract, all you have is an email. Although emails can be legally binding, they don't hold a candle to having the printed and signed contract in hand.
Here are a few tips to make sure your housing purchase goes off without a hitch:
Meet in person - This may be a difficult prospect, especially if the seller lives out of state. However, if you can't meet them in person, their agent should at least be local. Meeting with the home seller's legal representative (i.e. Real estate agent) is the next best thing.
Get it in writing, and get it in print - Who wants to wait for the post office to deliver a paper contract when you can get it from an email? Well you do. Yes, it might slow the process of buying a house and closing the deal, but so will having the seller back out.
Verify the important points - Make sure you and the seller really do agree on the terms of the contract before you put your signature on it. You, or preferably your buyer's agent, should go over the contract with the seller's agent who should go over it with the seller.
It's a great time to buy Orlando real estate, but don't let technology lose you the contract. Cross your t's and dot your i's - on paper!
Sunday, June 3, 2012
The Every day life of the Aztec people
Very few is left today of the ancient Aztec city of Tenochtitlan. Most of what is left of this city lies at the bottom of Mexico city's Historical center. The city was largely destroyed during the Spanish conquest between the year 1519 and 1521 A.D, However, some of this remains can still be appreciated in the "Templo Mayor Museum" and in the nearby neighborhood of Tlatelolco. The visitor would normally appreciate the ancient ruins, but How did these people actually lived? How was their every day life and their social structures. This is an extensive topic which I will try to briefly cover in a series of articles. In the present one, I will try to cover the Aztec social divisions and how they evolved from the foundation of Tenochtitlan until the Spanish conquest.
As I mentioned in the previous article, when the Aztecs arrived to the central valley where Mexico City lies today, they were mainly a tribe of nomadic hunters with a very basic social structure. Every head of the family at that time was a warrior and a farmer. These family heads participated of larger discussions with other family heads. These discussions were the political center of the early Aztec "democracy", and were very much influenced by the Priests of the god "Huitzilopochtli", which had overall authority over most public aspects of the Aztec People.
This primitive structure evolved to give birth to more complex, differentiated social divisions during the XVth century. Priests were no longer involved with military and civil actions, and the influence of commerce had a big impact in the social structure, with traders occupying an important place. One man above all used to shine against all others, the Tlatoani, the Aztec emperor. The tribal democracy had finally given up to an aristocratic Monarchy.
The nahuatl word "tecuhtli", mandatory, lord, defines the upper class in the Aztec social division. They are the military, finance chiefs, and judges that solve the important issues. The ancient emperor of a city that was incorporated into the empire received the rank of "tecuhtli". Aztec gods also often receive this denomination: "Mictlantecuhtli", The lord of the underworld and "Xiuhtecuhtli", the fire god. Aztec priests only exceptionally received this rank, they used to have their own hierarchy. The rank of tecuhtli was acquired by election or by designation within a particular family. An analogy can be made with the feudal lords of the middle ages. Similar to the way it happened in Europe, a rural noble lord had a different category to a noble lord close to the king. In Mexico, the Tecuhtli of an isolated village did not have the same social status as one close to the Tlatoani, the Aztec emperor.
In terms of the social divisions, the Aztec city was divided in Calpullis, or neighborhoods, the calpulli is the basic nucleus of the Aztec social division. Each neighborhood had its own chief or "calpullec", elected by the people and assisted by a group of elder counselors, the "huehueteque". Few things of public interest were done without the approval of the huehueteque. The main task of the calpullec was to keep a record of the collective lands that belonged to the calpulli, these lands were distributed by parcels among the different families. Land was given based on certain labour conditions (i.e. agricultural production based on the type of crops) the calpullec and its counselors were in charge of making sure that these conditions were met by each family.
As I mentioned in the previous article, when the Aztecs arrived to the central valley where Mexico City lies today, they were mainly a tribe of nomadic hunters with a very basic social structure. Every head of the family at that time was a warrior and a farmer. These family heads participated of larger discussions with other family heads. These discussions were the political center of the early Aztec "democracy", and were very much influenced by the Priests of the god "Huitzilopochtli", which had overall authority over most public aspects of the Aztec People.
This primitive structure evolved to give birth to more complex, differentiated social divisions during the XVth century. Priests were no longer involved with military and civil actions, and the influence of commerce had a big impact in the social structure, with traders occupying an important place. One man above all used to shine against all others, the Tlatoani, the Aztec emperor. The tribal democracy had finally given up to an aristocratic Monarchy.
The nahuatl word "tecuhtli", mandatory, lord, defines the upper class in the Aztec social division. They are the military, finance chiefs, and judges that solve the important issues. The ancient emperor of a city that was incorporated into the empire received the rank of "tecuhtli". Aztec gods also often receive this denomination: "Mictlantecuhtli", The lord of the underworld and "Xiuhtecuhtli", the fire god. Aztec priests only exceptionally received this rank, they used to have their own hierarchy. The rank of tecuhtli was acquired by election or by designation within a particular family. An analogy can be made with the feudal lords of the middle ages. Similar to the way it happened in Europe, a rural noble lord had a different category to a noble lord close to the king. In Mexico, the Tecuhtli of an isolated village did not have the same social status as one close to the Tlatoani, the Aztec emperor.
In terms of the social divisions, the Aztec city was divided in Calpullis, or neighborhoods, the calpulli is the basic nucleus of the Aztec social division. Each neighborhood had its own chief or "calpullec", elected by the people and assisted by a group of elder counselors, the "huehueteque". Few things of public interest were done without the approval of the huehueteque. The main task of the calpullec was to keep a record of the collective lands that belonged to the calpulli, these lands were distributed by parcels among the different families. Land was given based on certain labour conditions (i.e. agricultural production based on the type of crops) the calpullec and its counselors were in charge of making sure that these conditions were met by each family.
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