A digital frame can be a very effective way of scheduling daily information sharing for companies. With time, these useful tools will become more flexible versions of traditional display devices in businesses everywhere as they can be used in so many different business environments for commercial purposes. Offices, department stores, schools, hospitals, banks, and even buses can all make use of digital frames to reach out to their customers in order to provide valuable information in a unique way.
Power point is a useful tool to produce slides to display as a slideshow. Once the interval setting for the slideshow has been adjusted, files can simply be browsed with the remote control. This done, then all is set for display of the latest offers. A digital frame can be placed at the entrance to an office or store presenting items for sale, special sales discounts or new products. Real estate agents can display photos of their current listings. They are less expensive to run, take up less space and there is no need to hook up to a computer.
Any sales-oriented business such as a car dealership can provide instant rapport with prospective customers by introducing the members of the sales team with their photos displayed on a digital frame. In itself, the digital photo frame is another form of the 'Silent Sales Person,' to inform customers of the benefits and pricing of specific items. In a travel agency a photo display of images from selected vacation destinations, or hotel offerings, could help win a customer's approval and sell a vacation package. A digital photo keychain, with products stored in inventory can be given to clients and prospective clients as a valuable marketing instrument, as well as an attention-getting promotional gift.
Commercial uses for a digital frame is in restaurants are priceless. What better way to display mouth-watering meals or desserts than with a dynamic digital display! For businesses such as rug and wood restoration, vehicle repair, even hairdressing salons the frames can include "before and after" shots of restored antiques or cleaned and repaired oriental rugs or whatever service they offer. Also when placed at the front desk of a service business, the digital photo frame can be used to display the array of services offered in a pleasing photo slideshow with music and text added. This would be an excellent way to help keep a client or customer occupied while waiting their turn to be helped. The waiting room in a doctor's or dentist's office could offer the latest information on current flu outbreaks or warnings about drug interactions. At the specialist's office, the latest treatments available for specific diseases could be displayed.
Friday, August 31, 2012
Tuesday, August 28, 2012
Real Estate Construction | How To Lay Brick
People often have a misconception that brick laying is an easy task. There are some inexperienced bricklayers who claim to create beautiful and uniform wall only to find that their efforts have given rise to a faulty shifting wall which will quickly become a pile of rubble. Bricklaying is an art and a serious profession that requires study and foresight.
A brick consists of three parts: the face or the front, the top or the bottom and the ends. Depending upon how you plan to use the bricks, each of these three parts can be laid in two positions. The pattern in which the bricks are laid is called Bond. There are different types of bonds such as running bond, header bond and Flemish bond.
Lets us look at the running bond also known as half bond. This is the most commonly used brick patterns because it is easy to lay. In this type of pattern the stretcher bricks are set in rows which are offset by half a brick and each row of bricks is known as course. When undertaking a project to lay bricks it is important at ascertain the number of bricks that you will need to complete the project and minimize waste. To calculate the number of bricks that you will need you will have to calculate the area of the project that you are building. That area you then multiply by seven, because there are 7 bricks in one square foot of area. This will give you the total number of bricks that you will need to complete your project.
Once you ascertain the number of bricks you will need it is time to look at other materials that you will need to complete the project. One of the key ingredients in the bricklaying process is the mortar. It is a mixture of masonry cement, fine mason sand and water. You will also need other tools such as bricklaying trowe, pointing trowel, mason's modular spacing rule, brick hammer, mason's braided nylon line, all-purpose masonry brush, combination wire brush and scraper, wheelbarrow and mortar pans or mortarboards among other items.
It is important to get the mortar and the water mixture perfect because if the mortar is very dry it will not spread, while on the other hand if it contains more water and is too wet, it will run and will not grip its shape properly on the trowel. When you are ready to spread the mortar, hold the trowel by its handle in such a way that your thumb is on the top. Work it through the mortar and develop a feel by trying to pick up the mortar with the side and the heel of the trowel.
Pick the brick in one hand and a trowel full of mortar in the other hand. Apply the mortar by snapping it off the trowel. Do this two or three time and each time moving ahead and overlapping each snap of mortar. Spread the mortar to make it uniform in thickness. Once you have prepared the bed for laying the bricks you must put the mortar on the head of the brick to make a head joint. The mortar must be neatly applied and must be smooth and compact enough to hold on to the mortar joint. Take the first brick and apply enough mortar to lay it down. Lay the brick and gently tap with the heel of the trowel. Remove the excess mud with the blade of the trowel and put it back into the mortar pan. Place the spirit lever on top of the brick and make it level, lengthwise, by gently tapping on it. Check the eight using the modular rule and tap it down if it is too high. Repeat the same process for the last brick. Range the two end brick with a nylon line. Once the range is established and the first and the last bricks laid, the rest of the bricks are just sitting as dry layout. Lay the first unlaid brick, keep it in your hand and get enough mud on the trowel. Make a mortar joint, the head joint, and keep the top surface of the brick even with the nylon line. Continue with this till you lay the last brick in the course called the closure. Continue to lay the second course for following the same procedure, only this time shifting half a brick ahead or behind to create the running bond.
A brick consists of three parts: the face or the front, the top or the bottom and the ends. Depending upon how you plan to use the bricks, each of these three parts can be laid in two positions. The pattern in which the bricks are laid is called Bond. There are different types of bonds such as running bond, header bond and Flemish bond.
Lets us look at the running bond also known as half bond. This is the most commonly used brick patterns because it is easy to lay. In this type of pattern the stretcher bricks are set in rows which are offset by half a brick and each row of bricks is known as course. When undertaking a project to lay bricks it is important at ascertain the number of bricks that you will need to complete the project and minimize waste. To calculate the number of bricks that you will need you will have to calculate the area of the project that you are building. That area you then multiply by seven, because there are 7 bricks in one square foot of area. This will give you the total number of bricks that you will need to complete your project.
Once you ascertain the number of bricks you will need it is time to look at other materials that you will need to complete the project. One of the key ingredients in the bricklaying process is the mortar. It is a mixture of masonry cement, fine mason sand and water. You will also need other tools such as bricklaying trowe, pointing trowel, mason's modular spacing rule, brick hammer, mason's braided nylon line, all-purpose masonry brush, combination wire brush and scraper, wheelbarrow and mortar pans or mortarboards among other items.
It is important to get the mortar and the water mixture perfect because if the mortar is very dry it will not spread, while on the other hand if it contains more water and is too wet, it will run and will not grip its shape properly on the trowel. When you are ready to spread the mortar, hold the trowel by its handle in such a way that your thumb is on the top. Work it through the mortar and develop a feel by trying to pick up the mortar with the side and the heel of the trowel.
Pick the brick in one hand and a trowel full of mortar in the other hand. Apply the mortar by snapping it off the trowel. Do this two or three time and each time moving ahead and overlapping each snap of mortar. Spread the mortar to make it uniform in thickness. Once you have prepared the bed for laying the bricks you must put the mortar on the head of the brick to make a head joint. The mortar must be neatly applied and must be smooth and compact enough to hold on to the mortar joint. Take the first brick and apply enough mortar to lay it down. Lay the brick and gently tap with the heel of the trowel. Remove the excess mud with the blade of the trowel and put it back into the mortar pan. Place the spirit lever on top of the brick and make it level, lengthwise, by gently tapping on it. Check the eight using the modular rule and tap it down if it is too high. Repeat the same process for the last brick. Range the two end brick with a nylon line. Once the range is established and the first and the last bricks laid, the rest of the bricks are just sitting as dry layout. Lay the first unlaid brick, keep it in your hand and get enough mud on the trowel. Make a mortar joint, the head joint, and keep the top surface of the brick even with the nylon line. Continue with this till you lay the last brick in the course called the closure. Continue to lay the second course for following the same procedure, only this time shifting half a brick ahead or behind to create the running bond.
Sunday, August 26, 2012
What Exactly Is A Fasttrack Mortgage And Who Is It Suitable for?
Fasttrack mortgages might seem like an simple way to a mortgage. But, what are they and how do they work?
In short, a fasttrack mortgage is one in which the building society does not demand that the borrower proves their income. It is faster than a normal application as payslips and other proofs of income do not need to be passed to the lender for their scrutiny.
Who is eligible?
Frequently the mortgage would be for less than 75% of the value of the property being purchased to be eligible for a fasttrack mortgage, but a few lenders are creeping this limit up to as high as 85%. But, merely because the mortgage counts as fasttrack, does not mean that you will never be asked to prove their income.
Fasttrack is not self-certified
A fasttrack mortgage should not be confused with self-cert mortgages or other be considered to be a loan that you can get without any form or proof of an income. At any time between application and completion, your bank might demand proof of income and a failure to be able to prove your income could result in a refused application.
A proof of income is still a requirement
And just because your loan to value rate is sufficiently low and your credit rating high enough and you are offered a fasttrack mortgage, it does not mean that you will never have to prove your income. Plenty of lenders are now protecting their own backs by instead of getting borrowers to prove their income to the lender, they demand that the mortgage broker who is dealing with the application checks the level of income.
So even with a fasttrack mortgage you are likely to still have to prove your income and the only real saving is to the building society offering you the loan. Instead of them having to confirm that you do earn enough to cover the loan, they just get a tick in a box from the broker, who has done all of the checking on their behalf.
Who could benefit?
Who then, may benefit from a fasttrack mortgage? Well, it is very difficult to say really. You need to be putting down a sufficient deposit to be eligible and then also have a very good credit rating. So, you need to be good for the loan.
You do have to be able to prove that your income is sufficient to cover the loan, in case you are one of the random group of people that the building society will check the income status of, or in case your broker is expected to verify your income.
Really, to be eligible you must be one of the eligible customers for any other type of mortgage that is on the market.
The fasttrack saving
The just real saving to you as a buyer is that the application may run slightly quicker because the income details are not passed to the bank, just a confirmation that you are earning enough. That is why it is a fasttrack mortgage, but the saving in time may not be that great.
In short, a fasttrack mortgage is one in which the building society does not demand that the borrower proves their income. It is faster than a normal application as payslips and other proofs of income do not need to be passed to the lender for their scrutiny.
Who is eligible?
Frequently the mortgage would be for less than 75% of the value of the property being purchased to be eligible for a fasttrack mortgage, but a few lenders are creeping this limit up to as high as 85%. But, merely because the mortgage counts as fasttrack, does not mean that you will never be asked to prove their income.
Fasttrack is not self-certified
A fasttrack mortgage should not be confused with self-cert mortgages or other be considered to be a loan that you can get without any form or proof of an income. At any time between application and completion, your bank might demand proof of income and a failure to be able to prove your income could result in a refused application.
A proof of income is still a requirement
And just because your loan to value rate is sufficiently low and your credit rating high enough and you are offered a fasttrack mortgage, it does not mean that you will never have to prove your income. Plenty of lenders are now protecting their own backs by instead of getting borrowers to prove their income to the lender, they demand that the mortgage broker who is dealing with the application checks the level of income.
So even with a fasttrack mortgage you are likely to still have to prove your income and the only real saving is to the building society offering you the loan. Instead of them having to confirm that you do earn enough to cover the loan, they just get a tick in a box from the broker, who has done all of the checking on their behalf.
Who could benefit?
Who then, may benefit from a fasttrack mortgage? Well, it is very difficult to say really. You need to be putting down a sufficient deposit to be eligible and then also have a very good credit rating. So, you need to be good for the loan.
You do have to be able to prove that your income is sufficient to cover the loan, in case you are one of the random group of people that the building society will check the income status of, or in case your broker is expected to verify your income.
Really, to be eligible you must be one of the eligible customers for any other type of mortgage that is on the market.
The fasttrack saving
The just real saving to you as a buyer is that the application may run slightly quicker because the income details are not passed to the bank, just a confirmation that you are earning enough. That is why it is a fasttrack mortgage, but the saving in time may not be that great.
Friday, August 24, 2012
Get Car Loans Easy Utilize A Car Finance Broker
A lender will be a minor uncertain to lend you dollars for a car when they don't have any way to force you to pay for it if things go badly for you, meaning many banks are seeking for some form of protection on your car loan.
This failing to spend was part from the cause that the mortgage crisis occurred in 2007 through 2009, due to your breakdown of sub-prime mortgages. Negative equity caused by greedy bankers and unrealistic homebuyers made home loans a disaster to acquire. However, car loans are slightly various.
Many think it simple to get car loans, and they are no doubt correct. In inescapable fact, getting your first car loan can be the easiest thing you ever did. Sometimes it's as quick as moving in to your local traditional bank and asking for one. Unless you have bad credit and have not kept very good care of this traditional bank account you can be offered to purchase a car from your lender in no time.
Did you inquire to negotiate a lower interest rate? A settlement period that suits you and not them? Special terms for example a balloon payment or deferred payment while you wait for your first paycheck? Probably not, since you also did it yourself without success to use a appropriate car finance broker.
A do it yourself loan will never obtain the very same type of benefits and terms that a loan will get from having a car finance broker to help. A broker has access to numerous additional potential lenders than you have, and what is guaranteed above everything else to get you the most beneficial car loan terms? Competition!
The most effective loan providers for each type of loan will be kept in data that your broker will keep for:
1. No credit car loans.
2. Loans for those with court judgments towards them for non-payment of debts.
3. Regular loans at small rates: preset interest rates or a optimum rate.
4. Balloon loans - where you make a last significant payment if you expect a windfall.
5. Deferred Payments - in which you make no payment for 3 months or so.
6. Secured loans at smaller interest rates.
7. No-deposit loans
8. It goes on following that
You won't have that facts, so a car finance broker has a massive begin on you and can develop some pretty amazing quotes at times. It's not true in every single case, but in almost all cases men and women who have car finance brokers will conserve a substantial amount of funds over those who do not possess a broker.
There are quite a few uncomplicated advantages for that, but what when you came across a broker of brokers? Rather than a regular broker having files of person financial institutions to utilize they have lists of car finance brokers, each of these of which has lists of individual car loan lenders. You're certainly heading to find the top possible offer in this scenario as you will be significantly increasing the quantity of loan offers you're proceeding to obtain.
Firms internet are often in this kind of scenario. Not only do these brokers have a list of loan companies that they could use, but they have a list of brokers available at the same time. These loan companies can be specialist as in the list above, or they, themselves, often have their own list of options.
These web-based car finance brokers are the ones you need to locate should you are attempting to discover the best selection of loan providers which will suit the things that you need in a loan that they provide. They're going to negotiate along with you because they are in a business just like you're in a business with your job, when they wish to accomplish the deal they will locate a way to acquire it completed.
This failing to spend was part from the cause that the mortgage crisis occurred in 2007 through 2009, due to your breakdown of sub-prime mortgages. Negative equity caused by greedy bankers and unrealistic homebuyers made home loans a disaster to acquire. However, car loans are slightly various.
Many think it simple to get car loans, and they are no doubt correct. In inescapable fact, getting your first car loan can be the easiest thing you ever did. Sometimes it's as quick as moving in to your local traditional bank and asking for one. Unless you have bad credit and have not kept very good care of this traditional bank account you can be offered to purchase a car from your lender in no time.
Did you inquire to negotiate a lower interest rate? A settlement period that suits you and not them? Special terms for example a balloon payment or deferred payment while you wait for your first paycheck? Probably not, since you also did it yourself without success to use a appropriate car finance broker.
A do it yourself loan will never obtain the very same type of benefits and terms that a loan will get from having a car finance broker to help. A broker has access to numerous additional potential lenders than you have, and what is guaranteed above everything else to get you the most beneficial car loan terms? Competition!
The most effective loan providers for each type of loan will be kept in data that your broker will keep for:
1. No credit car loans.
2. Loans for those with court judgments towards them for non-payment of debts.
3. Regular loans at small rates: preset interest rates or a optimum rate.
4. Balloon loans - where you make a last significant payment if you expect a windfall.
5. Deferred Payments - in which you make no payment for 3 months or so.
6. Secured loans at smaller interest rates.
7. No-deposit loans
8. It goes on following that
You won't have that facts, so a car finance broker has a massive begin on you and can develop some pretty amazing quotes at times. It's not true in every single case, but in almost all cases men and women who have car finance brokers will conserve a substantial amount of funds over those who do not possess a broker.
There are quite a few uncomplicated advantages for that, but what when you came across a broker of brokers? Rather than a regular broker having files of person financial institutions to utilize they have lists of car finance brokers, each of these of which has lists of individual car loan lenders. You're certainly heading to find the top possible offer in this scenario as you will be significantly increasing the quantity of loan offers you're proceeding to obtain.
Firms internet are often in this kind of scenario. Not only do these brokers have a list of loan companies that they could use, but they have a list of brokers available at the same time. These loan companies can be specialist as in the list above, or they, themselves, often have their own list of options.
These web-based car finance brokers are the ones you need to locate should you are attempting to discover the best selection of loan providers which will suit the things that you need in a loan that they provide. They're going to negotiate along with you because they are in a business just like you're in a business with your job, when they wish to accomplish the deal they will locate a way to acquire it completed.
Tuesday, August 21, 2012
How To Make Best Deals In Dhgate?
One of the websites that deal with all popular brands at a very cheap rate is DHGate. This website has attracted the customers from all over the world because of their low prices. Several consumers have given complaints about the products that they have been refurbished or been shipped in a broken condition etc. Though several people produce complaints, there are some people who show interest in buying the products from DHGate. In order to do a safer deal, you need to follow certain basic tips before buying. The following are the basic tips that are to be followed before buying any product. They are:
1. You need to do some research about the service provider whether they are genuine and ship the item after payment has been done.
2. If you find out positive results about the service provider then you need to check with the seller. There may be several genuine sellers and at the same time, several bad sellers will also be available. It is fully based on the feedbacks about the sellers. It is recommended to the avoid buying products from the seller with no feedbacks.
3. You need to check with the item description and read it carefully before buying.
4. To be in a safer side, always check with the money back guarantee facility. If there is no money back guarantee facility then it is recommended to avoid the product from buying.
5. The most important thing in which you need to note is the payment processing system. Be sure that you are protected with your payment. Some of the sellers will request you to pay through wire transfer or western union money transfer. All these transactions do not have any guarantee that the seller will ship your product. If any such sellers request you to do such payments, you need to avoid buying from those sellers.
6. Always use PayPal or credit card for payment where you can easily find a
solution on seller fraud.
1. You need to do some research about the service provider whether they are genuine and ship the item after payment has been done.
2. If you find out positive results about the service provider then you need to check with the seller. There may be several genuine sellers and at the same time, several bad sellers will also be available. It is fully based on the feedbacks about the sellers. It is recommended to the avoid buying products from the seller with no feedbacks.
3. You need to check with the item description and read it carefully before buying.
4. To be in a safer side, always check with the money back guarantee facility. If there is no money back guarantee facility then it is recommended to avoid the product from buying.
5. The most important thing in which you need to note is the payment processing system. Be sure that you are protected with your payment. Some of the sellers will request you to pay through wire transfer or western union money transfer. All these transactions do not have any guarantee that the seller will ship your product. If any such sellers request you to do such payments, you need to avoid buying from those sellers.
6. Always use PayPal or credit card for payment where you can easily find a
solution on seller fraud.
Sunday, August 19, 2012
Bin Checker Credit Card
A bin checker credit card service offers you the best means of obtaining information related to the bank that has issued a particular credit card. In addition, the bin checker credit card service also provides information related to the country where the issuing bank operates out of.
Find out which bank issued a card
A BIN or Bank Identification Number is also called a credit card bin and is used to find out the name of the bank that has issued a particular card. With bin checker credit card services, it also becomes easy to find out what kind of card is being used. In other words, the bin checker credit card service will let you know whether the card is a debit card, credit card or a brand card such as Visa or MasterCard or even Amex and the like.
Know the card type
The bin checker credit card also helps you learn about the type of card such as Classic, Gold or Electron. The bin checker credit card finds this information from a BIN database that in many instances relates to a particular kind of card i.e. VISA or MasterCard or American Express and the like.
It is not hard to find a free BIN database but before using the bin checker credit card, it is important that you check that a particular BIN database is well populated, accurate and complete in every respect. It should also be updated on a daily basis to ensure that the information contained in it is always the latest.
There is no sense in using a bin checker credit card on an outdated BIN database as then the bin checker credit card service will not be able to locate the required information and nor will it ensure that the information provided is complete and accurate. Without accurate and complete information, your bin checker credit card service will not be very effective.
Restrictions
Also, when using a bin checker credit card service, you need to keep in mind that you can only check the BIN database ten times in a particular day and from a particular network or computer. However, such restrictions apply only to a bin checker credit card service on a free BIN database.
To overcome these restrictions, you will need to use the bin checker credit card service on a paid BIN database. These databases are generally much more complete and will provide better results when you use the bin checker credit card service.
To use the bin checker credit card service, you need the BIN number which you will need to insert in a given field in the BIN database. Next, you may have to type in a code to ensure that it is a genuine request and not one that is being used for less than legal purposes. After this, the bin checker credit card service will look at the BIN database and throw up information related to the BIN that you have inserted.
If the BIN matches with one in the database, you can then ascertain its validity. If a suspicious transaction is discovered, then it is best that you reject it.
Find out which bank issued a card
A BIN or Bank Identification Number is also called a credit card bin and is used to find out the name of the bank that has issued a particular card. With bin checker credit card services, it also becomes easy to find out what kind of card is being used. In other words, the bin checker credit card service will let you know whether the card is a debit card, credit card or a brand card such as Visa or MasterCard or even Amex and the like.
Know the card type
The bin checker credit card also helps you learn about the type of card such as Classic, Gold or Electron. The bin checker credit card finds this information from a BIN database that in many instances relates to a particular kind of card i.e. VISA or MasterCard or American Express and the like.
It is not hard to find a free BIN database but before using the bin checker credit card, it is important that you check that a particular BIN database is well populated, accurate and complete in every respect. It should also be updated on a daily basis to ensure that the information contained in it is always the latest.
There is no sense in using a bin checker credit card on an outdated BIN database as then the bin checker credit card service will not be able to locate the required information and nor will it ensure that the information provided is complete and accurate. Without accurate and complete information, your bin checker credit card service will not be very effective.
Restrictions
Also, when using a bin checker credit card service, you need to keep in mind that you can only check the BIN database ten times in a particular day and from a particular network or computer. However, such restrictions apply only to a bin checker credit card service on a free BIN database.
To overcome these restrictions, you will need to use the bin checker credit card service on a paid BIN database. These databases are generally much more complete and will provide better results when you use the bin checker credit card service.
To use the bin checker credit card service, you need the BIN number which you will need to insert in a given field in the BIN database. Next, you may have to type in a code to ensure that it is a genuine request and not one that is being used for less than legal purposes. After this, the bin checker credit card service will look at the BIN database and throw up information related to the BIN that you have inserted.
If the BIN matches with one in the database, you can then ascertain its validity. If a suspicious transaction is discovered, then it is best that you reject it.
Thursday, August 16, 2012
Auto Insurance With Bad Credit
Few consumers are aware that insurance companies typically use credit information when evaluating an auto insurance application. According to the Insurance Information Institute, insurance companies have recognized a connection between credit history and claims risk. Those with poor credit scores are 40 percent more likely to file claims than those with clean credit histories. Although getting auto insurance with bad credit can be a challenge, there are ways for credit-challenged consumers to get the coverage they need.
Obtain a copy of your credit report from Equifax, Experian or TransUnion. Review the information contained in the report carefully. If you find erroneous data, write a letter to these credit bureaus asking them to investigate and remove the data. This can help your odds of obtaining car insurance through a standard company, and can allow you to obtain coverage at lower rates.
Shop for quotes from several companies. You can obtain quotes online or use an insurance broker to obtain multiple quotes quickly. If you use a broker, let him know that you have bad credit. He will be able to select companies that accept credit-challenged applicants. You can then compare quotes and coverages to get the best deal for your money. Make sure you compare policies with similar coverages, so you can make a fair choice.
Ask a captive agent if her company offers "no credit check" auto insurance programs. Some companies offer "no credit check" options, even if they typically use credit scoring to determine acceptability and premium rates. Keep in mind that insurance companies usually charge higher premium rates for "no credit check" programs.
Contact "direct writers," which provide quotes and sell policies via the telephone or Internet rather than through field agents. Some of these companies do not use credit information when evaluating applicants. This also gives you the advantage of being able to purchase your auto insurance policy without leaving your home or office.
Look for "high risk" insurance companies. These companies specialize in helping consumers with poor driving histories, bad credit and other challenges. Most high risk companies do not pull credit reports. These insurance companies typically charge higher premiums than standard companies, so explore other options before buying a policy from a high risk auto insurer.
Keep your driving record clean. Companies will sometimes accept credit-challenged applicants who demonstrate safe driving skills. A good driving history can help make up for past credit problems.
Obtain a copy of your credit report from Equifax, Experian or TransUnion. Review the information contained in the report carefully. If you find erroneous data, write a letter to these credit bureaus asking them to investigate and remove the data. This can help your odds of obtaining car insurance through a standard company, and can allow you to obtain coverage at lower rates.
Shop for quotes from several companies. You can obtain quotes online or use an insurance broker to obtain multiple quotes quickly. If you use a broker, let him know that you have bad credit. He will be able to select companies that accept credit-challenged applicants. You can then compare quotes and coverages to get the best deal for your money. Make sure you compare policies with similar coverages, so you can make a fair choice.
Ask a captive agent if her company offers "no credit check" auto insurance programs. Some companies offer "no credit check" options, even if they typically use credit scoring to determine acceptability and premium rates. Keep in mind that insurance companies usually charge higher premium rates for "no credit check" programs.
Contact "direct writers," which provide quotes and sell policies via the telephone or Internet rather than through field agents. Some of these companies do not use credit information when evaluating applicants. This also gives you the advantage of being able to purchase your auto insurance policy without leaving your home or office.
Look for "high risk" insurance companies. These companies specialize in helping consumers with poor driving histories, bad credit and other challenges. Most high risk companies do not pull credit reports. These insurance companies typically charge higher premiums than standard companies, so explore other options before buying a policy from a high risk auto insurer.
Keep your driving record clean. Companies will sometimes accept credit-challenged applicants who demonstrate safe driving skills. A good driving history can help make up for past credit problems.
Saturday, August 11, 2012
Building A XS Bobber Out Of A Old Yamaha Xs650
Transformation your YAMAHA XS5650 to a XS BOBBER!
The YAMAHA XS650 was launched in 1968 it had one of the most advanced engines in its class of large parallel twin motorcycles. Over a quarter million XS650s in 40 different variations were produced by Yamaha between 1970 and 1985. The XS650 big twin, in America and worldwide has developed a cult following for good reason. The bike makes a cool XS650 Chopper. The engine and gearbox are unit construction with the crankcase split horizontally for ease of assembly whereas almost all contemporaries in its class in 1968 are either unit construction with a vertically-split crankcase or pre-unit construction with separate engine and gearbox.However, like its contemporaries in its class the XS 650 has a 360 crank angle. This provides an even firing interval between the two cylinders, but also generates some vibration caused by the two pistons rising and falling together. At the heart of the XS650 is a indestructible engine. The best parallel twin ever built.. Tough durability, classic look and abundance of cheap parts make the XS650 the perfect platform to build a KILLER Chopper.
Before you get started in your transformation your YAMAHA XS5650 to a XS BOBBER you will need to diagnose any problems with getting the bike to start.
1. First charge your battery to at least 12.5-12.7V. The XS uses a 12 Volt / 6 cell battery. The type is 12N14-3A. Metric size is 130x85 Millimeter and 160 mm high. The original type is a lead battery with liquid electrolyte. The electrolyte is dilated sulfuric acid with 1.28 density. Safety goggles are a must if you do anything else except disconnecting the battery or charging it!It is most important to keep the acid level between the marks. If it goes below the lower mark the lead electrode (board) of the cell gets exposed. If a section of lead gets dry it will not recover even when the cell is filled up again. Is important to get your battery in good condition so you're XS BOBBER has juice to run. By oxidation it will be then a partially working cell. The electrolyte level will get lower by evaporation. It is only the water what evaporates, the amount of acid will be constant. A battery never gets refilled with acid. An exception is if you spill the acid - then it has to be replaced of course.The electrolyte is diluted sulfuric acid with a density of 1.28. Before you handle the battery be sure to have a water tap or at least a filled bucket nearby! Refilling requires distilled water.A water tap in a workshop should have a piece of rubber hose attached to it. In case of an accident you will be able to flush the eyes or body parts with the hose! Batteries and bottles with acid must be kept away from children - such things are highly interesting for 'experiments'!Charging a battery causes combustible gas to escape! Only in ventilated areas! It's sold at the supermarkets for ironing and of course at service stations. Don't use ordinary tap water or bottled water since it contains minerals. Minerals disturb the chemical balance of the electrolyte and weaken or damage the battery. A good idea is to get a syringe from the pharmacy to refill the cells. Examine the cables of the battery and the ground connection to the frame! It is a common source of trouble. Check the insulation. The connectors may oxalate - keep them clean and apply some petroleum jelly to keep them protected. You can use a wire brush or same paper to clean the terminals.
In case of an accident you flush with lots of water. Acid starts its destructive work after some delay - it may not even itch at the first contact! Consult a doctor immediately in case of an accident. If you spill the acid on your clothes quickly put them into water - if you re fast enough they will stay OK. You have to return your dead battery to the dealer or service station. Keep in mind that it contains a pound of poisonous lead and half a lit re of acid - that's definitely a case for professional recycling!
Okay now to test your regulator and generator so that your YAMAHA XS5650 can charge and you don't look like a moron pushing your XS BOBBER home.
2. Find a really thin feeler Gage like 0.010" or 0.015" and hold it pointed down about a half inch away from your generator cover on the engine. Now turn the key on. If your regulator and rotor are working the feeler Gage should slap the case when the magnetic field is created in the rotor. If nothing happens or the magnetic effect seems really weak then go on to the next test because you're not generating any electricity in your generator on and the XS650 Chopper will need power.
3. On the YAMAHA XS5650 the solid state regulator models all you need to do is locate the green wire at the regulator plug and make a jump from it to ground. The purpose of the voltage regulator is to keep the voltage under 14 Volt on the XS bobber. It controls the electrical current from the battery to the rotor. The rotor builds up an magnetic field and inducts the coils (3 coils) of the stator. If the output of the stator gets to high then the Voltage Regulator interrupts the circuit to the rotor and the magnetic field as well and the output of the stator stops. That bypasses the regulator and allows full battery current to flow through the brushes out of the rotor through the green wire to ground on the YAMAHA XS5650. That causes the rotor to make a stronger magnetic field which in turn causes more current to flow in the stator. If your battery terminal charge voltage jumps up to 14.5VDC when you rev the engine then the regulator or the ground connection for the regulator is your problem.
The YAMAHA XS650 was launched in 1968 it had one of the most advanced engines in its class of large parallel twin motorcycles. Over a quarter million XS650s in 40 different variations were produced by Yamaha between 1970 and 1985. The XS650 big twin, in America and worldwide has developed a cult following for good reason. The bike makes a cool XS650 Chopper. The engine and gearbox are unit construction with the crankcase split horizontally for ease of assembly whereas almost all contemporaries in its class in 1968 are either unit construction with a vertically-split crankcase or pre-unit construction with separate engine and gearbox.However, like its contemporaries in its class the XS 650 has a 360 crank angle. This provides an even firing interval between the two cylinders, but also generates some vibration caused by the two pistons rising and falling together. At the heart of the XS650 is a indestructible engine. The best parallel twin ever built.. Tough durability, classic look and abundance of cheap parts make the XS650 the perfect platform to build a KILLER Chopper.
Before you get started in your transformation your YAMAHA XS5650 to a XS BOBBER you will need to diagnose any problems with getting the bike to start.
1. First charge your battery to at least 12.5-12.7V. The XS uses a 12 Volt / 6 cell battery. The type is 12N14-3A. Metric size is 130x85 Millimeter and 160 mm high. The original type is a lead battery with liquid electrolyte. The electrolyte is dilated sulfuric acid with 1.28 density. Safety goggles are a must if you do anything else except disconnecting the battery or charging it!It is most important to keep the acid level between the marks. If it goes below the lower mark the lead electrode (board) of the cell gets exposed. If a section of lead gets dry it will not recover even when the cell is filled up again. Is important to get your battery in good condition so you're XS BOBBER has juice to run. By oxidation it will be then a partially working cell. The electrolyte level will get lower by evaporation. It is only the water what evaporates, the amount of acid will be constant. A battery never gets refilled with acid. An exception is if you spill the acid - then it has to be replaced of course.The electrolyte is diluted sulfuric acid with a density of 1.28. Before you handle the battery be sure to have a water tap or at least a filled bucket nearby! Refilling requires distilled water.A water tap in a workshop should have a piece of rubber hose attached to it. In case of an accident you will be able to flush the eyes or body parts with the hose! Batteries and bottles with acid must be kept away from children - such things are highly interesting for 'experiments'!Charging a battery causes combustible gas to escape! Only in ventilated areas! It's sold at the supermarkets for ironing and of course at service stations. Don't use ordinary tap water or bottled water since it contains minerals. Minerals disturb the chemical balance of the electrolyte and weaken or damage the battery. A good idea is to get a syringe from the pharmacy to refill the cells. Examine the cables of the battery and the ground connection to the frame! It is a common source of trouble. Check the insulation. The connectors may oxalate - keep them clean and apply some petroleum jelly to keep them protected. You can use a wire brush or same paper to clean the terminals.
In case of an accident you flush with lots of water. Acid starts its destructive work after some delay - it may not even itch at the first contact! Consult a doctor immediately in case of an accident. If you spill the acid on your clothes quickly put them into water - if you re fast enough they will stay OK. You have to return your dead battery to the dealer or service station. Keep in mind that it contains a pound of poisonous lead and half a lit re of acid - that's definitely a case for professional recycling!
Okay now to test your regulator and generator so that your YAMAHA XS5650 can charge and you don't look like a moron pushing your XS BOBBER home.
2. Find a really thin feeler Gage like 0.010" or 0.015" and hold it pointed down about a half inch away from your generator cover on the engine. Now turn the key on. If your regulator and rotor are working the feeler Gage should slap the case when the magnetic field is created in the rotor. If nothing happens or the magnetic effect seems really weak then go on to the next test because you're not generating any electricity in your generator on and the XS650 Chopper will need power.
3. On the YAMAHA XS5650 the solid state regulator models all you need to do is locate the green wire at the regulator plug and make a jump from it to ground. The purpose of the voltage regulator is to keep the voltage under 14 Volt on the XS bobber. It controls the electrical current from the battery to the rotor. The rotor builds up an magnetic field and inducts the coils (3 coils) of the stator. If the output of the stator gets to high then the Voltage Regulator interrupts the circuit to the rotor and the magnetic field as well and the output of the stator stops. That bypasses the regulator and allows full battery current to flow through the brushes out of the rotor through the green wire to ground on the YAMAHA XS5650. That causes the rotor to make a stronger magnetic field which in turn causes more current to flow in the stator. If your battery terminal charge voltage jumps up to 14.5VDC when you rev the engine then the regulator or the ground connection for the regulator is your problem.
Thursday, August 9, 2012
Ways To Easily Finance Your Real Estate Purchase
Buying real estate can be an exciting time in your life. One looks around for the perfect piece of property and they finally found it. Financing real estate isn't as easy as writing a check and being on their way. There are different ways to finance, and here we will take a look at a few of the options available.
Pay with cash
Yes, pay with cash. It is, after all, the easiest and quickest form of financing. Of course, of most of us, paying cash is not a realistic option, but it is there, if that is an option.
Home path mortgages
This is one of a couple of government backed loans. This is offered by Fannie Mae. This will allow for small down payments, no mortgage insurance, and other beneficial options as well. Also, the Home Path program can be used by investors. It even allows the financing of repairs. The catch: These programs are only able to be used on Bank Repossessions owned directly by Fannie Mae.
Conventional mortgage
Most investors will finance with a down payment of almost 50% on the purchase price. Most of your traditional conventional mortgages require at least 20% down. Conventional mortgages are the most common type of mortgage financing.
FHA loans
The Federal Housing Administration (FHA) is a U.S. government program that provides insurance for mortgages for banks. FHA loans are for homeowners to are going to live in the property. One can put a smaller down payment on the purchase, but FHA does ask for an additional payment, so if a persons down payment is low, the monthly payment will be high.
203k loans
This is a sub-set of the FHA loan. This loan allows individuals to buy a home that needs work done to it, and then the repairs can be rolled into the mortgage itself. It can be a struggle getting the paperwork done quickly to allow for a fast closing.
Hard money
Hard money is money received from private individuals for the sole purpose of real estate investment. There are many defining characteristics of hard money, such as the loan is based only on the property value, it is short term (6-36 months), has a high interest rate, high loan points (what it will cost to get the loan), no verification of income, no credit references, and a fast ability to fund. Hard money can benefit you if a person is ok with a short term loan, but when the money runs out, things can turn ugly. This should be approached with caution.
Real estate financing does not have to be stressful or difficult, as long as one educates themselves before deciding to make a commitment to purchase.
Pay with cash
Yes, pay with cash. It is, after all, the easiest and quickest form of financing. Of course, of most of us, paying cash is not a realistic option, but it is there, if that is an option.
Home path mortgages
This is one of a couple of government backed loans. This is offered by Fannie Mae. This will allow for small down payments, no mortgage insurance, and other beneficial options as well. Also, the Home Path program can be used by investors. It even allows the financing of repairs. The catch: These programs are only able to be used on Bank Repossessions owned directly by Fannie Mae.
Conventional mortgage
Most investors will finance with a down payment of almost 50% on the purchase price. Most of your traditional conventional mortgages require at least 20% down. Conventional mortgages are the most common type of mortgage financing.
FHA loans
The Federal Housing Administration (FHA) is a U.S. government program that provides insurance for mortgages for banks. FHA loans are for homeowners to are going to live in the property. One can put a smaller down payment on the purchase, but FHA does ask for an additional payment, so if a persons down payment is low, the monthly payment will be high.
203k loans
This is a sub-set of the FHA loan. This loan allows individuals to buy a home that needs work done to it, and then the repairs can be rolled into the mortgage itself. It can be a struggle getting the paperwork done quickly to allow for a fast closing.
Hard money
Hard money is money received from private individuals for the sole purpose of real estate investment. There are many defining characteristics of hard money, such as the loan is based only on the property value, it is short term (6-36 months), has a high interest rate, high loan points (what it will cost to get the loan), no verification of income, no credit references, and a fast ability to fund. Hard money can benefit you if a person is ok with a short term loan, but when the money runs out, things can turn ugly. This should be approached with caution.
Real estate financing does not have to be stressful or difficult, as long as one educates themselves before deciding to make a commitment to purchase.
Sunday, August 5, 2012
Staying Within Budget On A Construction Project
Reliable sources indicate that proper budgeting and management of construction projects reduces stress and saves money. With today's emphasis on maximizing every dollar, careful planning that focuses even more attention on costs and energy efficient materials have changed the way individuals are viewing their construction projects.
Most construction projects begin with laying out a realistic budget with time frames and funds that are adequate to accommodate for any unexpected incidents. Suppliers and contractors may need some time to order materials or schedule crews, and for that reason, being flexible can often times earn a better price.
To avoid any unnecessary time constraints, experts stress the idea of shopping around in today's buyer's market for the best deals on materials before starting the project. Suppliers can usually offer discounts on overstocks or returns that are not available on new stock items. When this isn't possible, give the supplier plenty of time to receive the materials before they will be needed on the construction site to avoid delays.
Going green with construction materials is designed to improve the environment and the results will save energy. While this may cost more upfront, the lifetimes savings in energy bills are worth considering. Bat insulation made out of recycled cotton or a vegetable oil based polyurethane spray is both free of volatile organic compounds (VOC's) and chlorofluorocarbons (CFC's).
Other 'green' areas to consider include low VOC paints, certified sustainable wood products, bamboo, tank-less water heaters and water efficient toilets and shower heads. Solar panels installed on the home and underground thermal heating systems can save staggering amounts of money on the energy bill. While some of these options may appear pricey at first, keep in mind that there are several tax incentive programs as well as discounts offered by some energy companies for the use of these revolutionary technologies. The idea is to look at every aspect of the project to see where energy can be saved and/or sustainability can be supported.
All projects should have an allowance for the unexpected. Discrepancies may be found during construction and remodeling projects will have an even greater likelihood of discovering problems during demolition. Experienced contractors suggest a reserve that is determined by the complexity of the project, and is usually somewhere between five and twenty percent.
Using a good project management tool will go a long way toward a successful project. It will help to lay out a chronology for the project as well as providing time lines and reminders of all of the steps necessary for completion. In addition, it is important to assign duties to avoid finger pointing or steps being missed. Regular reviews of progress and the next steps in sequence, along with plan or budget revisions, will keep everyone on task.
Many contractors agree that the easiest way to exceed the budget is by changing the plans or materials. This will incur change orders adding additional unplanned cost, so it is always best to decide for certain what you want before beginning a project. Quality and quantity of materials should be determined and adhered to in order to keep the project on time and on budget.
Having a well thought out plan and sticking to it is the surest way to a successful project.
Most construction projects begin with laying out a realistic budget with time frames and funds that are adequate to accommodate for any unexpected incidents. Suppliers and contractors may need some time to order materials or schedule crews, and for that reason, being flexible can often times earn a better price.
To avoid any unnecessary time constraints, experts stress the idea of shopping around in today's buyer's market for the best deals on materials before starting the project. Suppliers can usually offer discounts on overstocks or returns that are not available on new stock items. When this isn't possible, give the supplier plenty of time to receive the materials before they will be needed on the construction site to avoid delays.
Going green with construction materials is designed to improve the environment and the results will save energy. While this may cost more upfront, the lifetimes savings in energy bills are worth considering. Bat insulation made out of recycled cotton or a vegetable oil based polyurethane spray is both free of volatile organic compounds (VOC's) and chlorofluorocarbons (CFC's).
Other 'green' areas to consider include low VOC paints, certified sustainable wood products, bamboo, tank-less water heaters and water efficient toilets and shower heads. Solar panels installed on the home and underground thermal heating systems can save staggering amounts of money on the energy bill. While some of these options may appear pricey at first, keep in mind that there are several tax incentive programs as well as discounts offered by some energy companies for the use of these revolutionary technologies. The idea is to look at every aspect of the project to see where energy can be saved and/or sustainability can be supported.
All projects should have an allowance for the unexpected. Discrepancies may be found during construction and remodeling projects will have an even greater likelihood of discovering problems during demolition. Experienced contractors suggest a reserve that is determined by the complexity of the project, and is usually somewhere between five and twenty percent.
Using a good project management tool will go a long way toward a successful project. It will help to lay out a chronology for the project as well as providing time lines and reminders of all of the steps necessary for completion. In addition, it is important to assign duties to avoid finger pointing or steps being missed. Regular reviews of progress and the next steps in sequence, along with plan or budget revisions, will keep everyone on task.
Many contractors agree that the easiest way to exceed the budget is by changing the plans or materials. This will incur change orders adding additional unplanned cost, so it is always best to decide for certain what you want before beginning a project. Quality and quantity of materials should be determined and adhered to in order to keep the project on time and on budget.
Having a well thought out plan and sticking to it is the surest way to a successful project.
Friday, August 3, 2012
Steps To Hire The Best Home Builder
Whether you like to build your own home or want stay on rent, this is an age-old debate. A good majority of people find own home suitable for spending life peacefully and happily. They neither want any interruption of land lords in their personal life nor want to spend their hard-earned money on rent. Of course, your choice is also that but you find hard to build a new home.
The first thing is money. Making home is not a child's play. It requires hefty amount. If you don't have enough money, you certainly knock doors of banks for getting a home loan. Although, you somehow manage to get loan but the next problem is hiring a builder.
Hire a Builder
Admiring the architecture and style of a home may inspire you to know the builder name. But your propriety is to look at the builder who able to meet your demands. It's good to plan you would be home with your family members because they are going to live with you in your dream home. Also, don't forget to keep your estimate in mind. If you have a land, it is sure that you are looking for the builder specializes in single-family or high-end homes. It is a custom builder who will help you give a real shape of your dream home. A professional custom builder is expert in build up to 25 homes in a year.
Looking for an expert professional home builder is in your hands. Take your time to know the builder qualification, license and many crucial things so that your new home construction will go in full swing. Use several measures to know the work experience of your builder. If you like a home architecture, it's better to know the builder name behind this beautiful creation. There are different parameters to hire the best builder for your home building project.
The traditional way is to look for the home builder is to knock on the doors of current homeowners to know their builder names, address and phone number.
You can ask your friends and colleagues for referrals. They may help you get the best builder. Also, you can take help from Yellow Pages.
Being a busy person, you will probably have time to go with the traditional ways. It's better to take help from the internet where your one search is enough to find hundreds of builders in your area.
A well-reputed builder doesn't hide his work experience and other specifics. The builder is free to tell you about license. If you have any doubt, you can clear with him through the site live chat support or from the given phone number.
During your selection, it's better to get at least 3 competitive bids. Compare them with their work experiences and license. Some builders provide the completion date warranty. If your selected builder provides that warranty, don't forget to ask some important questions like:
* Numbers of employees and homes under his construction
The question will help you know how much personal attention of builder will get your home.
* How long will the construction work go?
The question will help you for further planning like home furnishing.
* Has the contractor been sued?
The answer of the question is difficult for a contractor but a well-reputed can clear you with that.
* Warranty coverage
* License
These things will help you to get the best builder. If you have desire to know more about builders and want to get exceptional services of builders, you can go for www.justindoylehomes.com.
The first thing is money. Making home is not a child's play. It requires hefty amount. If you don't have enough money, you certainly knock doors of banks for getting a home loan. Although, you somehow manage to get loan but the next problem is hiring a builder.
Hire a Builder
Admiring the architecture and style of a home may inspire you to know the builder name. But your propriety is to look at the builder who able to meet your demands. It's good to plan you would be home with your family members because they are going to live with you in your dream home. Also, don't forget to keep your estimate in mind. If you have a land, it is sure that you are looking for the builder specializes in single-family or high-end homes. It is a custom builder who will help you give a real shape of your dream home. A professional custom builder is expert in build up to 25 homes in a year.
Looking for an expert professional home builder is in your hands. Take your time to know the builder qualification, license and many crucial things so that your new home construction will go in full swing. Use several measures to know the work experience of your builder. If you like a home architecture, it's better to know the builder name behind this beautiful creation. There are different parameters to hire the best builder for your home building project.
The traditional way is to look for the home builder is to knock on the doors of current homeowners to know their builder names, address and phone number.
You can ask your friends and colleagues for referrals. They may help you get the best builder. Also, you can take help from Yellow Pages.
Being a busy person, you will probably have time to go with the traditional ways. It's better to take help from the internet where your one search is enough to find hundreds of builders in your area.
A well-reputed builder doesn't hide his work experience and other specifics. The builder is free to tell you about license. If you have any doubt, you can clear with him through the site live chat support or from the given phone number.
During your selection, it's better to get at least 3 competitive bids. Compare them with their work experiences and license. Some builders provide the completion date warranty. If your selected builder provides that warranty, don't forget to ask some important questions like:
* Numbers of employees and homes under his construction
The question will help you know how much personal attention of builder will get your home.
* How long will the construction work go?
The question will help you for further planning like home furnishing.
* Has the contractor been sued?
The answer of the question is difficult for a contractor but a well-reputed can clear you with that.
* Warranty coverage
* License
These things will help you to get the best builder. If you have desire to know more about builders and want to get exceptional services of builders, you can go for www.justindoylehomes.com.
Gold Prices Headed Towards $2,100 Per Ounce By 2012?
History has proven time and time again that when economies weaken, gold prices skyrocket as a direct result of safe-haven demand. Since the turn of the millennium, the United States economy has weakened so much that many investors and market analysts believe it is a dead fish in the water. Most dollar-backed investments like stocks, bonds and cash accounts have suffered major losses due to a contracting economy that is only getting worse by the day. In the year 2000, the gold spot price was sitting around 0 per ounce, and now in the year 2011 it is past ,700 per ounce and climbing. The latest gold market projections are forecasting that the precious metal could easily reach ,100 per ounce in 2012, and here's why:
US debt is soaring The United States has the highest debt in the world, owing more than trillion dollars. On August 2, 2011, the United States Government raised the debt ceiling, allowing it to continue borrowing with no mercy. It doesn't take an economical genius to understand that borrowing more money will only result in serious problems down the road. According to several market projections, US debt could double in the next decade. What will happen when the US can't borrow any more money? We will most likely see an absolute economic collapse. Fortunately, gold has proven its ability to thrive in the face of economic disaster, thus ,100 per ounce by 2012 is quite reasonable.
Inflation is running rampant In order to prevent an economic collapse throughout the latest financial crisis, the United States Government passed several stimulus and quantitative easing measures totaling over trillion. This was all done with overprinted US Dollars with nothing to back them up. As a result of this overprinting, inflation is now running rampant in our economy with no end in sight. Consumer price indexes are reaching dangerous levels and many expert analysts and top economists believe we could see inflation double, triple and even quadruple in the coming years. Historically, gold is one of the most powerful anti-inflationary investments because it typically trades inversely with paper currencies, thus ,100 per ounce by 2012 could be just the beginning of major price spikes.
New World Reserve Currency Global governments have lost trust in the United States Dollar. Little by little, these global governments are abandoning dollar-backed assets in exchange for tons and tons of gold because the precious metal is the only real money nowadays. Since gold's price is adjusted by supply and demand, higher demand by global governments could easily push the metal's value up to ,100 per ounce by 2012.
Also remember to Follow Us on Facebook, Follow Us on Twitter, and Follow Our RSS Feed for gold price updates, market commentary, and special discounts for our fans.
US debt is soaring The United States has the highest debt in the world, owing more than trillion dollars. On August 2, 2011, the United States Government raised the debt ceiling, allowing it to continue borrowing with no mercy. It doesn't take an economical genius to understand that borrowing more money will only result in serious problems down the road. According to several market projections, US debt could double in the next decade. What will happen when the US can't borrow any more money? We will most likely see an absolute economic collapse. Fortunately, gold has proven its ability to thrive in the face of economic disaster, thus ,100 per ounce by 2012 is quite reasonable.
Inflation is running rampant In order to prevent an economic collapse throughout the latest financial crisis, the United States Government passed several stimulus and quantitative easing measures totaling over trillion. This was all done with overprinted US Dollars with nothing to back them up. As a result of this overprinting, inflation is now running rampant in our economy with no end in sight. Consumer price indexes are reaching dangerous levels and many expert analysts and top economists believe we could see inflation double, triple and even quadruple in the coming years. Historically, gold is one of the most powerful anti-inflationary investments because it typically trades inversely with paper currencies, thus ,100 per ounce by 2012 could be just the beginning of major price spikes.
New World Reserve Currency Global governments have lost trust in the United States Dollar. Little by little, these global governments are abandoning dollar-backed assets in exchange for tons and tons of gold because the precious metal is the only real money nowadays. Since gold's price is adjusted by supply and demand, higher demand by global governments could easily push the metal's value up to ,100 per ounce by 2012.
Also remember to Follow Us on Facebook, Follow Us on Twitter, and Follow Our RSS Feed for gold price updates, market commentary, and special discounts for our fans.
Wednesday, August 1, 2012
The Benefits of a GFE and Pre-Approval
Most real estate purchases are bought with loans so getting a good faith estimate and pre-approval letter from your lender helps the process start off on the right foot. The good faith estimate, or GFE for short, is required by law to be provided by lenders when you are seeking a loan. It lists out the estimated closing costs, monthly payments, and interest rates for the loan program you are looking at getting.
The pre-approval letter is provided by lenders once they have run your credit and get your income / debt information. By getting the GFE and pre-approval letter, you can be confident that the loan will get processed with no surprises. There are also additional benefits to getting pre-approval and GFE before you even begin the property search.
For one, by discussing your debt to income ratio with your lender and obtaining the GFE, you can determine your maximum price. It helps to know the maximum sales price when shopping around so that you do not waste time and energy looking a over-priced properties, and also vice verse, you do not waste time and energy looking at under-priced properties. You can find an area in your price range that fits your needs and narrow down your search. You also will determine your monthly payments with the GFE.
The monthly payments should include the property taxes, insurance, principle, and interest plus any private mortgage insurance (PMI). If the monthly payments are higher than you wanted, then you can adjust your sales price to be lower.
Another reason to get your pre-approval and GFE before starting your home search is that you may find out some issues with your credit or financial situation that you could clean up before moving forward with a purchase. For example, the first time I bought a house, I found out that I had a charge on my credit report from 3 years ago, which brought my credit score down. And with a lower credit score, I would have gotten a worse interest rate on the loan. I say 'would have' because I was able to pay off this collection and clear up the ding on my credit before going into the loan underwriting process.
Finally, by getting a pre-approval letter, you have proof for a seller that a lender has confidence in being able to fund the purchase on your behalf. This helps with presenting offers and negotiating. Many sellers will not even accept an offer unless it is accompanied by a lender's letter.
Furthermore, if you do not have a letter, the seller may counter higher given that he feels he is taking on more risk that you may not be qualified for the loan amount. Also, if you happen to get into a multiple offer situation, your offer will be much stronger with a pre-approval letter.
The pre-approval letter is provided by lenders once they have run your credit and get your income / debt information. By getting the GFE and pre-approval letter, you can be confident that the loan will get processed with no surprises. There are also additional benefits to getting pre-approval and GFE before you even begin the property search.
For one, by discussing your debt to income ratio with your lender and obtaining the GFE, you can determine your maximum price. It helps to know the maximum sales price when shopping around so that you do not waste time and energy looking a over-priced properties, and also vice verse, you do not waste time and energy looking at under-priced properties. You can find an area in your price range that fits your needs and narrow down your search. You also will determine your monthly payments with the GFE.
The monthly payments should include the property taxes, insurance, principle, and interest plus any private mortgage insurance (PMI). If the monthly payments are higher than you wanted, then you can adjust your sales price to be lower.
Another reason to get your pre-approval and GFE before starting your home search is that you may find out some issues with your credit or financial situation that you could clean up before moving forward with a purchase. For example, the first time I bought a house, I found out that I had a charge on my credit report from 3 years ago, which brought my credit score down. And with a lower credit score, I would have gotten a worse interest rate on the loan. I say 'would have' because I was able to pay off this collection and clear up the ding on my credit before going into the loan underwriting process.
Finally, by getting a pre-approval letter, you have proof for a seller that a lender has confidence in being able to fund the purchase on your behalf. This helps with presenting offers and negotiating. Many sellers will not even accept an offer unless it is accompanied by a lender's letter.
Furthermore, if you do not have a letter, the seller may counter higher given that he feels he is taking on more risk that you may not be qualified for the loan amount. Also, if you happen to get into a multiple offer situation, your offer will be much stronger with a pre-approval letter.
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