Monday, December 31, 2012

Power Shopping In Mississauga

As one of Canada's largest municipalities and the convergence of several major international routes, the city of Mississauga is home to numerous opportunities sure to thrill any shopper. From tackling some of the country's biggest malls to window shopping at specialty stores on the street, Mississauga shoppers will find all that they need for a successful day of power shopping. Here are a few of the many different alternatives Mississauga offers for the enthusiastic shopper.

Meadowvale Town Centre: Meadowvale is a small community located within the larger boundaries of the Mississauga area. For those who want to take advantage of great shopping beyond the crowds to be found in the city proper, Meadowvale Town Centre offers a variety of stores and a distinctly pleasant atmosphere. The site offers five different beauty salons as well as a cobbler and engraving specialist. Clothing stores include Dome, Crazy Lee's, and Cavery Fashions.

Sherway Gardens: This huge mall will be sure to delight any fan of big city shopping. The stylish building encompasses 500,000 square feet of space which contains over 240 retail stores. The sleek modern exterior is perfectly complemented by the beautiful gardens, fountains and skylights of the interior. This mall claims to be the safest and cleanest big shopping experience to be found in the Greater Toronto Area. Fans of upscale and mid grade stores alike will find their favorites in Sherway Gardens, which is home to Holt Renfrew, Abercrombie and Fitch, and Lululemon. In addition, shoppers can find department store stalwarts such as Sears and The Bay as well as upscale boutiques and goods shops such as the Pottery Barn.

Square One. The largest mall in Mississauga rivals in size almost every other mall in Canada with over 1.6 million square feet of retail space. This mall is truly a unique experience; aside from the many shopping opportunities, it houses several community clubs and even a church! The shopping experience includes a huge food court as well as many other established restaurants, and of course the selection of over 350 different stores and boutiques. Shoppers can find stores at Square One that are unique in Ontario, such as jewelry experts Swatch and La Swiss. Shop for ladies' fashions from well known names such as La Senza and Sirens to top of the line boutiques including Hamiko Collection and Jacob Connexion. Banana Republic, the Gap, Guess? and Tommy Hilfiger are also represented inside this huge mall.

Shopping in Mississauga truly offers an amazing variety of opportunities and experiences. From the small town feel of village centres to the organized bustle found in huge shopping malls, there is an experience perfectly suited to every shopper.

Saturday, December 29, 2012

Shanghai World Financial Center Construction

Shanghai World Financial Center construction was one structure worth researching. As anyone could imagine, building such a structure as Shanghai World Financial Center requires knowledge that has not been know before-but with technology and testing the project was completed on August 28, 2008

The importance of developing building technologies to resists earth movement and high winds in high-rise construction holds an important value. Initially planned to be the world's tallest building, but because of economic situation, the Asian Financial Crises, and other delays, The Shanghai World Financial Center, located in Shanghai, China, is eye appealing. While it was in the building process, the building dimensions were increased for couple reasons that we know of. After a decision to increase gross area of the WFC in Shanghai by 15%, increase in overturning moment from wind forces of about 25% came as well. A diagonal bracing was also used. With the design changes, the service core shear wall was achieved and there came the decrease in the amount of steel needed for the robust structure.

The first structure was called the mega structure, which in reality consists of major structural columns, the major diagonals, and the belt trusses. The second one was a concrete walls of the service core I mentioned above. The third system was a relationship between concrete wall of the service core and the mega-columns, that were made by the outrigger trusses...

As the final design of LERA (Leslie E. Robertson Associates), Shanghai World Financial Center construction consisted of three relatively narrow columns, compared to seventeen wide columns. An important area to mention is how the stiffness of the perimeter and trusses has movement, as well as shears in the concrete walls of the service core, can be increased or decreased. The whole robust design is smiler that of the, previous, World Trade Center in NY. The wind engineering results were different compared to that of the World Trade Center in NY, based on extensive wind testing.

The earthquake engineering for the Shanghai World Financial Center construction was extensive. The design allows for a 200 year period for typhoon return and a 2000 year return on earthquake. In the process of its foundation construction, temporary support for both mat and below-grade concrete floors were made because of the use of top-down construction method, H-piles large steel sections extended from the piling to the ground surface...

Other issues that come with this high rise were the cost, as in any project. Because the pile cut-off was well below grade, it was costing too much to reinforce existing pile. LERA determined that the current pile foundation system they had in place could accept a larger expansion; they only had the issue of cutting the weight of the original building by 10% or more; the other aspect they had to do was to redistribute the loads to the pile so that increased lateral loads the come from wind and earthquake can be surpassed.

For Shanghai World Financial Center construction or other building areas where winds are a problem, the seismic effects typically include:

1. High base overturning moment and foundation design (wind, seismic)

2. High shear demand near base (seismic)

3. High gravity stresses in the vertical elements (and use of high-strength materials) to minimize structural sizes for
economic structural design and to maximize net floor area

4. Differential axial shortening under gravity forces, including effect on floor slope and outrigger force demands

5. Development of ductility in elements at the base of a structure under high compressive gravity stress (seismic)

6. Controlling lateral accelerations (wind)

7. Controlling story drift (wind, seismic)

8. Controlling damage so as to enable repair (seismic)

9. Ensuring ductile energy dissipation mechanisms and preventing brittle failures (seismic)

Each geographical location requires specific, special requirement, to be developed and tested, when the project is breaking new ground, like The Shanghai World Financial Center construction... Although other buildings were structured in that geographical location, but not with the same height and greatness...

Thursday, December 27, 2012

The Best Used Cars For Subprime Auto Loans

A subprime auto loan is hard enough to get if the car has enough value to carry the loan. Unfortunately, cars lose an average 47% of their value by the end of their third year. The value is gone, but that does not stop some dealers from trying to sell them for more than their value. That makes it even harder to get a used car loan with subprime credit. Here are a few cars for which it is easier to get a low credit score auto loan approved. This list also takes into account Consumer Reports list of most reliable cars.

Compact/Subcompacts

Honda Fit
Toyota Echo
Scion xB
Pontiac Vibe
Mazda3
Subaru Impreza

Family Cars

Ford Fusion (FWD)
Mercury Milan (FWD)
Mazda6 (4-cyl.)
Nissan's Altima

The list from Consumer Reports included several other models as well, but, you have to remember, with subprime auto loans, you are not going to be approved for the more expensive models. The sacrifice of buying a smaller car than you might prefer is a modest concession to rebuilding your credit.

Thursday, December 20, 2012

Prohibition of Interest Rate in Islamic Finance

Islamic economics is referred to as the application of Islamic Shari'a law in economic activity. This form of economics has attracted banks and financial institutions in more than 56 countries including Europe and the United States; they cater to customers who want to invest in a halal instrument, or according to Islamic teachings.

Muslim authors state that Islam offers solutions to solve problems of human civilization. They view the financial problems facing developed countries in Africa and Asia are caused by interest-based financial instruments which create "unrepayable debt" says Muhammad Ayub, author of Understanding Islamic Finance. Mr. Ayub goes on to say that interest-based system makes "a class of people richer and leaving others poorer and oppressed."

Suppose you deposit in a conventional bank 00, at 4 percent interest for a period of one year. At the end of the year, your return is predetermined at 00+40. The bank will invest your money. If it fell short of 40, the bank will incur a loss. So an interest-based loan places the risk entirely on the borrower, in this case, the bank. Under Islamic economics, this type of investment is prohibited and is considered "un-Islamic" and "unfair."

The source of prohibition of interest is based on the Qur'an. Verse 2:275 reads: ". . .Allah permits commerce and prohibits riba. . ." The etymology of the term riba comes from Aramaic raba meaning increase'. Muslim interpreters define this term as interest'. In pre-Islamic Arabia, a borrower saw his debt double following a default and redouble if he defaulted again. If the borrower was unable to pay off his debt, he would be pushed into enslavement until the debt is paid. Such a situation was creating a social disharmony in Arabia, to which the Qur'an was responding. The ban on riba was therefore an instrument used to avoid mistreatment of fellow citizens, when their financial situation was in distress.

Among the Muslim community in the Middle East and elsewhere, financial transactions involving interest on borrowed money are accomplished, but without mentioning the word interest'. For example, Y wants to borrow from X 0 at 5 percent interest without violating the prohibition. X buys a TV system from Y for 0 but then promptly returns it for 5, payable in one year installments. The additional represents interest but was not mentioned; it was circumvented instead by the purchase of the TV and selling it, immediately, to the borrower at a higher price, which is equivalent to the amount of interest.

The most popular instrument in Islamic banking is Murabaha, a contract of sale in which a commodity is sold for a profit. The contract involves the purchase of real property by the financial institution which then sells them to the client at an agreed mark-up. A repayment is usually in installments. Accordingly, X wants to buy a car from the dealer and finance the transaction through a bank. Under Islamic economics, the bank does not charge interest. So the bank will buy the car on behalf of the buyer, and immediately sells it to X at the dealer's price plus an extra amount of money for the time spent and the paperwork involved to finalize the deal, the extra amount represents interest on the borrowed money, but the contract does not use the word interest'.

All Muslim authors and practitioners of Islamic finance agree that charging interest is a violation to Islamic Shari'a, but there is no agreement on the definition of interest-free' loan. There is no account for the rate of inflation in this Islamic instrument. In order to protect the purchasing power of money, loans are indexed to the rate of inflation, which is absent from Islamic banking and was proclaimed un-Islamic in two international conferences on indexation, one held in Islamabad in 1986 and the other in Jeddah in 1987.

Critics of interest-free banking claim that those who call for prohibition on interest are guilty of misinterpreting the Qur'an and misreading Islamic history. The Qur'an bans, not interest rate, but usury, or exorbitant interest.

Suleyman Uldag, a prominent Turkish author suggests that "even if interest were unlawful, it would be a lesser sin to deal in interest openly than to cloak it in practices aimed at deception." He writes that "Islamic banking is its own worst enemy."

Another attack on the prohibition of interest came in 1989 through a fatwa (Islamic legal opinion) from Muhammad Sayyid Tantawi, the grand mufti of Egypt and head of the top Islamic university, al-Azhar, who said that simple bank interest is permissible in Islam, while excessive interest rates constitute riba (usury) and thus forbidden. Tantawi added that legitimate instruments, including high-yield government bonds and interest-bearing saving accounts are compatible with Islamic Shari'a. Tantawi's fatwa represented the minority view, and provoked considerable discussion among the Muslim community in Egypt and around the world.

Monday, December 17, 2012

Beginning Real Estate Investing 101

Best option for beginners in real estate.

As many beginning investors have little credit and their cash stash, if used would barely get them through until next payday! With that in mind you would want to take on something which is simple and can produce the most profits with little to no investment. The smartest most logical path you could take to get started investing in real estate would be wholesaling.

Wholesaling? What's that?

As A wholesaler you position is easy! Find a particular type of property that buyers/investors are looking for. Simple right? Why yes, yes it is........ Once located you just pass the new found deal onto your buyer/investor. Basically all you are doing is acting as the middle man or a bird dog (plus a few steps) type. With this type of investing you can make upwards of 10k from each and every deal you do, depending on the type of deal you uncover. With nothing more than time invested in these deals how can you go wrong!!!!

Why this method?

The wholesaling way has numerous reasons why you should start with it.

1) Low to no investment.

a. No need to own the property you are dealing on.

b. Just locate a undervalued property.

c. No need to take ownership of the property, just get it under contract and pass the deal on to the best buyer/investor, with what is called an assignment fee (up to K) added on to the negotiated price.

2) Fast and almost immediate cash.

a. Most all wholesale deals close in 45 days or less.

b. No need to wait for rents or long drawn out closings.

c. Quick was to get started and get cash in your pocket immediately.

3) Once you're good at finding deals.

a. Benefit from quick closing and cashing out.

b. Keep in mind not every deal you find will you be able to put under contract and sell.

c. Even if you can't buy it personally you can put it under contract and negotiate it with a buyer.

d. Do as many deals as possible to become a pro!!!

4) Options.

a. Wholesaling gives you options unlike any other investment vehicle out there,

b. You find it, negotiate with seller. Then decide what direction you will go with it, keep it, and or sell it, whatever you want. Where else do you have options like that?

VIOLA!!!!!!!!!!- Quick cash or long term cash flow.....you decide.

This is what makes wholesaling Grrrrrrrrrreat!!!!

Nicholas "Yogi" Muller/ king-and-assoc.com

Saturday, December 8, 2012

Step-By-Step Path To Take Towards Better Personal Finance

Now is the best time to gain control over your finances. This article is filled with useful tips to help you manage your finances more wisely. An advanced degree is not necessary for you to learn how to increase your ability to save and live better. Each lesson you learn is important.

Change over to a checking account that is free. Some of your main options will include credit unions, online banks and some major chain banks.

Poor financial decisions can be made under the influence of alcohol, so reduce your intake. Only drink water when you go to the bar with friends. That way, you'll make smart financial decisions, rather than having a big mess to clean up later.

You can better understand where your money goes when you write down how much you spend every day. A notebook that is easily set aside or lost is probably not the best method, as it is often soon forgotten. Instead, try setting a full-size whiteboard in your bedroom or office to list your expenditures. It will be front and center during your daily activities and hard to avoid.

If you eat less fast food or eat out less in general, you can save a lot of money. Fast food menus may seem cheap, but they really are not. Cooking at home with better quality ingredients produces better meals than you get at a fast food or carry out place, and also saves you a lot of money. You will also come to appreciate the art of cooking.

Expensive products usually come with a limited warranty that covers them for 90 days to a year. Extended warranties make someone a lot of money, but it isn't you.

If a person is always ending up with single dollar bills left in their pants pockets from getting change they can use them in a fun way to possibly increase ones personal finances. If the dollars are used to buy scratch-off lottery tickets, there is a possibility to win more than is spent.

Perhaps you are dissatisfied with your current position and salary, but a set income is better than zero income. It is common to seek greener pastures where more money can be earned, but to preserve your personal financial future, do not leap until you have a solid opportunity secured.

To get your finances in order, draw up a budget and adhere to it. You can keep a budget on your phone, on your computer, or simply in a diary. You will also gain control of your spending habits.

Saving money on a regular basis should be part of a well-thought out personal finance plan. You may want to save money to purchase a large ticket item such as a TV or a relaxing vacation. You might be saving money for your retirement. For whatever reason you save, it behooves you to do as such.

When trading Forex, know when to allow your profits to run. Use this tactic wisely; greed should not interfere. Make sure you know when to cash out after you've made a profit off of a trade.

Try to avoid debt whenever possible to have better personal finance. While education and a mortgage are two worthwhile reasons to go into debt, there are very few other reasons why you should use credit. Loans and credit cards charge interest and fees; therefore, it is important to try not to borrow unless it is absolutely necessary.

If you can set it up, have your debit card make automatic payments to your credit card near the end of every month. That way you never forget.

Handling your personal finances can become an addictive habit once you learn the right way on doing it. Ty using these tips yourself. Here are some ways you can save a good amount of money and use this article to your advantage. Once you see the positive results of managing your money, you might feel compelled to do even more!

Wednesday, December 5, 2012

Mortgage Market In Ireland

Home loan marketplace within Ireland is a top demonstrator associated with mortgage administration in remaining planet. Such as Ireland mortgage loan where the credit is actually secured simply by actual home with the use of home financing take note, customer will be requested to cover monthly installments which can be includes curiosity and also principle quantity. And also, by the end from the mortgage this is the moment once the mortgage arrives a conclusion, the house is assigned to customer. Based upon the particular agreement between your customer and also the loan company attention is set.

Ireland mortgage loan interest rates tend to be at the mercy of marketplace forces which were playing prominent role inside backing and also destabilizing the mortgage industry for greater than 30 years, particularly after the deregulation. Furthermore, mortgage loan interest in Ireland is determined by the danger involved in this we.e. more risky the home loan to cover, increased the eye fee. In the same way, those who are searching for low interest rate rate in Ireland should mortgage loan interest very first given that it ultimately has an effect on the actual range of handing over again the loan in the long run.

Escalating costs regarding properties in Ireland possess inspired the actual home loan industry and for that reason a top interest rate will be charged for home loan inside Ireland. Home loan market inside Ireland provides various types of interest rates which includes fixed rate mortgage loan, caped price mortgage, as well as low cost fee mortgage. In a fixed rate mortgage loan there's regularity within rate of interest provided by loan provider for a arranged period of time that might lengthen to two, Three, Several, A few as well as 10 years which actually is actually susceptible to a partnership involving the borrower and also loan company.

Apart from set interest mortgage loan, a assigned interest home loan is quite well-liked inside the Ireland. Inside a capped rate of interest mortgage loan the financial institution promises to not to boost the interest rate above the actual cap for many time frame. In several techniques a prescribed a maximum rate of interest is like a set fee; nonetheless, variation is always that there is overall flexibility inside reduced and also previously mentioned limitations of great interest price. Inside prescribed a maximum rate of interest mortgage loan, the interest rate is held in between a couple of factors arranged mutually simply by lenders and borrower for time ranging from 24 months to many years. Another type of Ireland home loan rate of interest will be discount rate wherein loan companies arranged margin reduction in the typical adjustable rate which will is actually 2% and set for some time period including 12 months to years mutually decided from the loan company and debtor. A person's eye price about home loan tempts loan companies to be able to give the borrowed funds in order to customer; consequently, it can be regarded as crucial function associated with a mortgage and had it not necessarily been in living perhaps there'd not have been a complete gamut associated with mortgage loan.

In a typical mortgage offer a house customer or even contractor obtains funding both to buy or safe contrary to the house from the loan provider that could both end up being someone or perhaps an start. Furthermore, the borrowed funds can either end up being immediate from your lenders or from the large financial company based upon each case and its particular uniqueness. Based upon your need and also size of mortgage as well as the safety distribution, the interest rate is dependant on lender and also customer about shared knowing.

Loan companies as well as consumers mutually decide upon the size of the borrowed funds, maturity of the bank loan, interest, approach to paying down the borrowed funds, etc. and others. Even though there have been some regulating constraints inside home loan market in Ireland, those restrictions are shadow associated with previous right now and also the marketplace forces in Ireland decide the state of home loan rate of interest. Additionally, given that Early in the eightys, the actual Ireland may be viewing tremendous growth with regards to mortgage offers and competitive interest rates available for consumers.

Saturday, December 1, 2012

What To Do If You Lose Your Payslip?

Reasons Why a Payslip Is Essential?

Pay slips are a statement given by the employer that keeps the steady record of an employee as well as of his present and past salaries. In different fields an individual might be asked to show his payslip. Specially for taking loan or for investing money pay slips are necessary.

This pay slip is necessary for an individual when he wants to change his present job . Generally in most of the cases the appointing authority wants to see the pay slip of the previous job as that allows them to verify whether the candidate has been giving them authentic information. Payslips are essential for any loan application.

One who is applying for a loan must show the pay slip of his job to satisfy the loan giving authority about the fact that he would be able to pay back the loan. All financial institutions want to give loan to a person who is in a steady financial position. Payslip is an important legal document that shows the financial credibility of a person. One should keep it with care. If one loses his payslip it will be not easy for him to get any loan or to make any switch over in jobs.

Payslips are also required for investment purpose. In some investments like the mutual fund the investment needs to be done in several installments. In this type of investment it is essential to show the payslips as the authority wants to be sure about the fact that the man will be able to give his installments regularly. In case of acquiring home loan this is also important. The bank wants to be aware of the present financial status of the individual before it disburses the loan.

Payslip not only has the salary details but also several essential information about the employee. The name of the employee, name of the employer, name and address of the company, date of the pay slip and some legal data like tax code, national insurance number should be there on the payslip. If any payslip does not contain any of the data it will not be accepted by any corporate or financial organization. Other important details in the payslips are net pay amount, gross pay amount and other deductions and expenses. The number of leaves granted to the employee should be mentioned in the pay slips. Pay slip has a particular format. The pay slip is available in various modes of printing like laser or dot matrix printing.

Payslip is also necessary to mortgage a property. The financial authority wants to be sure about the fact that the person is in a steady financial position and he will be able to pay back the money. If one loses his payslip he needs to replace it immediately from any reliable authority. After getting the alternative payslip one must look at it to check all necessary data.

Saturday, November 17, 2012

Isthe Elevation Group By Mike Dillard Is Actually Worth The Money?

The Elevation Group is comes courtesy of Mike Dillard and is creating a bit of noise. It just recently went live online and some of Mike's statements are extremely controversial to say the least. Limited information has been granted to the general population so far but I was able to review what was accessible and give you my initial impressions in this free article.

Having spent the last 12 months or so out of the public spotlight, a lot of folks were wondering what could have happened to one of the most influential marketing gurus online today.

Mike's brand new system The Elevation Group is at present a series of free videos which warns us about some chilling things to come in the economy. I know that does not sound like something new but what he informs us of in the video is far more disturbing than you can imagine.

So you are probably wondering exactly what these secret strategies are and why nobody else knows about them?

The truth is nothing you will learn in this program is something any other world class financial adviser couldn't tell you, and I'm not talking about the guy down at Edward Jones.

A big advantage this program has over an investment guru, is first of all, a true mater of investments is really hard to find, and second of all, they charge a ridiculous amount of money for their services. Mike is actually giving away a lot of this insider knowledge for free and his full program is a very affordable investment on any budget.

He also talks about how his personal trend tracking method for the economy helped him to create more than a 200 percent return on his money over the last 3 years.

All of the experts have been telling us for awhile now that this is the prime time to both start investing and to expand our portfolio, and Mike talks to us about how we can actually start creating more income with just 30 dollars to start investing with.

What's the final verdict on Mike's new program then? Is it worth my time or not?

That is a difficult question to answer as the whole system hasn't gone live yet. However, I can tell you that what Mike gives us as a teaser in his free material so far, is extremely interesting and has me highly curious to learn more.

One thing is for sure, it is always beneficial to get more information on the state of the economy and what the trends will be, and Mike seems to always be one step ahead of the game so I sure am not going to discredit anything he has said so far.

Since Mike was able to go from a very poor worker at a restaurant to a millionaire many times over by the time he turned 26, that certainly says something about his ability to predict what will happen next.

Mike will also be sharing some very cool information on real estate and how to invest with little to nothing down. I am especially curious what insider information he has on this since I have done some successful real estate investing myself in the past.

Get the full revelation directly from The Elevation Group in a full 90 minute video that will tell you everything. Simply click on my link and you'll be able to register for free of charge.

Thursday, November 15, 2012

PayDay Loans a scam?

What Are PayDay Loans?

PayDay Loans are small companies that are geared to providing small loans to individuals. They have become one of the most popular alternatives for getting loans. I mean yes it's still a loan but it's a lot easier to obtain than getting a loan from a financial institution. Especially for those that have poor and or bad credit! These companies (PayDay loan companies) generally have a max limit of 0 dollars and they secure this loan against the borrower's paycheck.

Paying back your loan

Unlike most lines of credit or loans that allow you 28-30 days or sometimes even 6-months to a year (depending on the financial special running) to pay them back. PDL only gives you 2 weeks... 2 WEEKS! Now to some that's perfect and the time frame is reasonable because some people take out these small loans for emergencies. They need money right now and can't wait a couple days for their paycheck and that's fine. Seems like a great idea, real nice service right?

Interest Rates

The downside of PDL's is they have a huge interest rate 318% (apr) sometimes up to 512% that insane. This actually keeps the borrower indebt if you ask me because now they are trapped! What's to be paid back in 2 weeks may now take a month or 2 just to cover the interest! Let's plug in some numbers here so you can get a visual of how much gauging is going on 21.2 % of 500 is roughly 105 dollars... Does anyone see the problem here?

Solution

Right now democrats are actually trying to limit the interest rate of these companies to 36% which is fair but some argue that it will kill a lot of PDL's business and it's true to an extent. A lot of these companies have other streams of income besides gauging the borrowers. They cash checks, produce money orders and they do money transfers. What will end up happening (if this bill passes) Pawnshops will see an increase in business because people will then go to them from small loans. In fact pawnshops could sore from this little economic change.

Alternatives to obtain loans

You could always seek out credit unions as they are willing to work with individual's a little more than bigger financial institutions and the interest rates are pretty reasonable. Small installment loans is another option you may want to take a look at again interest rates are reasonable.

Monday, November 12, 2012

Rv Financing Basics To Help You Get A Great Deal

Recreational vehicles are increasingly popular and getting one is not as difficult as it used to be in the past. This is mainly due to the fact that for many years now, there are RV loans available for the purchase of these vehicles. Understanding the basics on RV financing will help you get approved for a RV Loan with advantageous terms so you can purchase your dreamed RV.

RV Loan Interest Rate

The interest rate charged for RV loans varies according to several factors: the location, the lender, the credit score and history of the applicant and many other variables. It is worthwhile shopping around for lenders then? Are there significant rate variations between lenders? These questions are not easy to answer but it is possible to provide some hints that can help you find your own solution:

Given two applications with different lenders filled by the same applicant, chances are that the highest rate different that someone could obtain does not surpass half a point or a point at most. However, a single point on a ,000 worth RV implies a significant amount of money and therefore it is advisable to try to get the lowest interest rate possible.

However, there is one tip that you should take into account: Never apply for an RV loan with many different lenders just to get quotes because that will lower your credit score. Multiple inquiries on a short period of time affect your credit significantly. If at all possible contact lenders informally to know the interest rate that you would obtain and apply only when you are positive that you will close the deal with that lender.

Money Down on RV Loans

Just like with all secured loans, putting money down is an important part of an RV loan application. It is advisable to provide a down payment if you can because that will guarantee that you get a better interest rate and overall better loan conditions. But if you can not raise the money needed for a significant down payment (20% of the purchase price), there are no money down RV Loans Available.

What you need to understand is that no money down RV loans require you to have a higher credit score and meet certain requirements for approval like having a higher available income. Also, do not expect to obtain the same terms on a no money down RV loan than with a regular RV loan. Chances are that you will have to cope with a higher interest rate and less flexible repayment programs.

Bad Credit RV Loans

Recreational Vehicles are not cars and thus, the requirements for approval are harsher. When it comes to car loans, there are thousands of lenders and tons of promotions because the lenders are eager to finance and the dealerships eager to sell. The RV and RV loan markets are more limited and thus, the lower competition implies harsher requirements.

Thus, do not expect to find so many bad credit RV loan lenders out there. Yet, it is possible to obtain an RV loan with bad credit if you do some research. Being the internet the best source of information, we suggest that you do a quick search for bad credit RV loans on your favorite search engine or use the services of an online RV loan broker that will ease for you the whole process.

Sunday, November 11, 2012

How To Auto Shop Without Anxiety Or Aggravation

How To Car Shop With no Stress Or Aggravation

Automobile shopping can be extremely time consuming. There are numerous vehicles with lots of variables. To make items simpler, you should discover all you can. The following paragraphs are full of excellent concepts that you can use to get a great vehicle quickly.

Speak with knowledgeable people before you go auto buying. Since they aren't the one particular creating the final selection, they might be in a position to support you steer clear of a deal that is not the greatest for you. This can be any relative, a co-worker or a buddy.

It can be a very good factor to buy a automobile near the last week of the month. Dealers are attempting to attain their quota, resulting in much better offers. When you come in later in the month, they want your sale to get them to that quota number. You can take advantage of this.

Verify into your financing options prior to you commence searching for automobiles. You will know what is in your budget. You will be able to steer clear of the pitfalls of low monthly payments or modest down payments this way, too.

Be confident to inspect very carefully any automobile you are interested in buying. Look over the outside of the car to make confident you do not miss any key scratches or dents. Appear inside for carpet stains or broken upholstery. Maintain in thoughts that the minute you get, this auto is all yours. Any dents or stains located later will be your duty.

Anticipate that car shopping will take a good chunk of time. You never want to rush or feel rushed. This will cause you to regret your decisions. Making time for a entire afternoon may possibly be the best. If time is operating brief, never hesitate to come back when it is more convenient.

When you are vehicle buying, it is vital to get all the information you need to make a very good selection. Use the guidelines here to guarantee that you will be content with your purchase when you leave the dealership. It will make auto acquiring a lot more enjoyable.

Wednesday, November 7, 2012

Nano Technology's New Thin Lithium Ion Battery, Small As A Human Hair

Can you imagine a battery that is 1 billionth of a meter thick and as tall as the thickness of a human hair? Scientists at Rice University have developed a new tiny, tiny lithium ion battery. It is only 150 nanometers thick (1 billion nanometers to equal 1 meter). It is so small that it is hard to see with the naked eye.

The idea here is to fabricate nanowire energy storage devices with ultrathin separation between the electrodes, said Arava Leela Mohana Reddy, a research scientist at Rice and co-author of the paper. This affects the electrochemical behavior of the device. Our devices could be a very useful tool to probe nanoscale phenomenon.

So far battery technology hasn't been able to power our electronic devices for more than 10 hours at a time. Even with the largest capacity lithium ion batteries, Smartphones act like battery vampires sucking the charge right down. The largest capacity cell phone battery I have seen is 4000mAh. The problem is that these extended capacity batteries are heavy and much thicker than the standard batteries that come with the phones. This means that you need an extended battery cover as well as the fact that the gel case you bought to go with your new Smartphone will no longer fit. The new nano batteries would mean you could get huge capacities in tiny batteries, thus making the Smartphones lighter and thinner.

Will we be seeing this new technology any time soon? It's probably a few years down the road, but just think of how light weight those new MacBook Airs will be in the future Will your new Smartphone be as thin as a credit card? The possibilities are endless.

Meanwhile, back at the farm While we wait for the new nano technology to catch up to our needs, you will need another solution. I have a Motorola Droid X. The battery life for the standard battery was dismal to say the least. I love the phone, but let's face it, having to be tied to a charger by mid-day was painful, as well as inconvenient. I bought a Droid X extended battery and am so much happier. My new battery is 2600mAh, which gives me almost twice the capacity as the original 1390mAh battery that came with the phone. I have heard that there is a new aftermarket battery for the HTC EVO 3D. The new HTC EVO 3D extended battery is 4000mAh. Amazing! Of course it will be much heavier than the standard 1700mAh battery that comes with the EVO 3D, but as with all 4G Smartphones, you need that extended capacity to make it through the day. Let's hope that the nano batteries will be here sooner rather than later.

Friday, November 2, 2012

How to Borrow the Funds For Motorcycle Loans Right Away

There is no such thing as being too cautious when you begin researching lenders for your motorcycle loan. Keep in mind that lenders often hide fees and high interest in the very fine print of the loan, costing thousands more than necessary. It's always best to get the opinions of people you trust that have experience in borrowing, but if that isn't an option for you use the advice provided in this article to aid you in your decision.

Don't borrow directly from the dealer!
Realize that salesmen just want to make their commissions and aren't concerned with getting you the best deal they can. In fact they will come up with this dream loan offering you the motorcycle you've always wanted. They'll tell you about all the magnificent benefits you'll have by borrowing with the same company you buy the bike from when in fact, you will not be offered the very best deal and you'll discover that if you need to file a claim or have any issues it isn't the same company at all.

Understand, the APR offered through financing from a dealership will prove to be noticeably higher than the interest rates of online or specialized lenders. There are traditional and specialized finance companies that have offers that apply only to motorcycle loans. Also, beware of the dealership fees. You can be sure that the loan contract will have, hide, fees such as closing costs, administrative fees, gap insurance and list goes on.

The low interest is only for a limited term.
Don't be fooled by the offers that house low interests rates that are only good for three or six months of the entire loan term. The interest rate often spikes after the promotional rate ends and what if you can't afford the payments once that happens? You would be wise to get a loan that offers a fixed interest rate for the entire duration of the loans term.

Not to mention, these promotional loans can require your repayments to be made through a credit card. The installments then generate on your card along with the interest and other fees and costs. This can mean that your card company will stop you from using your card to make purchases and hinder your buying abilities.

Plan ahead
Firstly, you have to make a financial plan. How much can you afford to borrow for your motorcycle? Look for that loan. Gets quotes and don't shop for the bike until you are approved for a certain amount. Don't waste your time looking at a motorcycle you ultimately won't be able to buy. You will wind up frustrated and disappointed and could very well lose money along with time.

Don't forget, there are online financial institutions that will lend you a motorcycle loan that is agreeable to your finances. You can easily find quotes so that you can shop around comparing loan offers and interest rates before deciding on any particular loan. Keep in mind that you should only shop for the bike once you have been approved and have accepted a loan. Try and get the best offer possible on the bike just as you've done with your loan.

Thursday, November 1, 2012

Top 10 Lottery Horror Stories

Not very many people win the lottery, but of those who win, many lose all their winnings and end up with less money than before they won. Some winners were simply foolish, some were greedy, some had greedy relatives and friends, and some fell prey to thieves and crooks. Here are the stories of 10 people who won the lottery then lost it all.

#1 Evelyn Adams

In 1985 AND 1986, Evelyn Adams won the lottery - equaling a total winning of .4 million. However, today - she has no money "Winning the lottery isn't always what it's cracked up to be," says Evelyn Adams, who won the New Jersey lottery not just once, but twice (1985, 1986), to the tune of .4 million. Today the money is all gone and Adams lives in a trailer. She lost money in slot machines, and couldn't seem to say no to relatives and friends. Evelyn's big win ended in a big loss.

#2 William Post

In 1988, William Post won .2 million in the Pennsylvania lottery but now lives on his Social Security. Post's former girlfriend sued him for a share of his winnings and one of his brothers was arrested for hiring a hit man to kill him, hoping to inherit a share of the winnings. His relationship with his other siblings was also strained and he spent some time in jail. Within a year, he was million in debt and eventually declared bankruptcy. He now lives on only 0 a month and food stamps.

#3 Suzanne Mullins

In 1993, Suzanne Mullins won .2 million in the Virginia lottery. Now she's deeply in debt to a company that lent her money using the winnings as collateral. She borrowed 7,746.15 from this company, but eventually stopped making payments on the loan. She blamed the debt on the lengthy illness of her uninsured son-in-law, who needed million for medical bills. Needless to say, her lottery win did not end in happiness.

#4 Ken Proxmire Ken Proxmire won million in the Michigan lottery. Within 5 years he filed for bankruptcy after moving to California and starting a car business with his brothers. He has now returned to his job as a machinist.

#5 Willie Hurt

In 1989, Willie Hurt of Lansing, Mich., won .1 million. Only two years later he was broke and charged with murder after spending his fortune on a divorce and crack cocaine.

#6 Janite Lee

In 1993, Janite lee of Missouri won million. Lee was generous to a variety of causes, including various political organizations, education programs and the community services. According to published reports, eight years after winning, Lee had filed for bankruptcy with only 0 left.

#7 Southeastern Family

In the early 1990s, a Southeastern family won .2 million. In almost no time at almost all of their winnings were spent on a huge house, cars, and various requests from family members. They bought a huge house and succumbed to repeated family requests for help in paying off debts. Eleven years after winning, the couple got divorced, the house was sold and what was left of their lottery winnings had to be split.

Tuesday, October 30, 2012

Important Tips for First Time Home Buyers Toronto

First time home buyers in Toronto usually have a tough time acquiring their dream house. Most first time buyers do not possess adequate knowledge about Toronto real estate market. Plus, they do not understand how real estate financing works. All this leaves the home buyers confused and stressed-out and often forces them to take wrong decisions.

Those of you who are interested in buying your first house, here are some important tips to make your house hunting Toronto hassle-free and quick.

Set your home buying needs and requirements
This is the first and the most crucial step for effective house hunting Toronto. First time home buyers Toronto must set down their home buying needs and requirements so as to narrow down their search. There are dozens of properties for sale in Toronto, offering unique facilities and amenities, having different neighbourhoods, and varying price range. Knowing what you want and how much you can afford to acquire that would help you find your dream house quickly and easily.

Get in touch with a reputable Toronto real estate agent
Real estate agents in Toronto have the knowledge of neighborhoods, homes or condos on the market and land for development Toronto. By working with a reputable and experienced real estate agent, home buyers Toronto can tap in to the right opportunities and make the most out of them.
Real estate agents also guide home buyers Toronto with negotiations, paper work, and closing of the deed to make the whole process of home buying smooth and hassle-free for them.

Get yourself pre-qualified for home loan
For home buyers Toronto, it is absolutely important to get pre-qualified for home loan. There are instances wherein home buyers indulge in exhaustive house hunting Toronto, enter in to negotiations with the sellers, finalize the deal, but are unable to buy their dream house because they fail to arrange the funds. To ensure that you don't waste your time and energy in house hunting Toronto, get pre-qualified for a home loan first. If you are pre-qualified for the loan, you can not only realize your dream of buying your first home but can also crack the deal in your best interest. Usually sellers in order to sell their house quickly, offer discounts to prospective buyers who are qualified for a loan.

Get active, get online
Home buyers Toronto must not depend on the realtors completely. To find the best land development Toronto or house for sale Toronto, they must get as active as they can. With the advent of the Internet, house hunting Toronto has become really fast and convenient. Just get online and choose from over hundreds of properties for sale.

Home buyers Toronto may visit thehomepursuit.com to find their dream home.

Sunday, October 28, 2012

Mortgage Loans With Bad Credit: What Details Lenders Want To See

Seeing an application for a mortgage loan with bad credit get the green light is usually thought to be unlikely. With the size of the financing required to purchase a new home, the inclusion of bad credit would, at the very least, complicate matters. But the truth is that mortgages are available even with low credit scores.

The growth of the online lending industry has resulted in a variety of loan and mortgage options well suited to applicants with a less than impressive credit reputation. As with all loans, criteria are the key to any loan approval, with poor credit history only having a limited influence in the entire process.

What is most important is that key information is included in the application, such as the usual criteria, a low debt-to-income ratio, and a large down payment. And, while some serious compromises will need to be made, not least higher interest rates, mortgage loans can be given the green light.

Typical Criteria to Meet

The initial challenge when applying for a mortgage loan with bad credit is to satisfy the basic criteria set down by the lender. There are no surprises with relation to the nature of these criteria, with proof of age (over 18), confirmation of legal residency or US citizenship, and proof of sufficient income, the three key issues to establish.

Of the three, it is the issue of income that is the greyest area. This is because even a large income is not necessarily enough to secure approval with poor credit history. This is because the principal component is affordability, and that relates to the amount of excess income there is with which to make mortgage repayments.

This is where the debt-to-income ratio comes into the equation, and whether or not there is enough cash free to make the repayment as set out by the mortgage loan agreement.

Influence of the Debt-to-Income Ratio

The only real influence that a low credit score has over an application for mortgage loans with bad credit is to set the interest rate to be charged. Basically, the lower the score the higher the interest rate, while the higher the score the lower the interest rate. In effect, the affordability of the loan is affected.

But it is the debt-to-income ratio that finally decides whether approval with poor credit history is viable, or if it is only going to cause greater financial hardship. The ratio is set to a rate of 40:60, meaning a limit of 40% of an income can be used to repay loans. That way a majority 60% is available to cover everyday and unexpected expenses.

However, this also means that, if the repayments for the mortgage loan push the share of income spent on debts above 40%, the application will be rejected. To this extent, spending some time in advance lowering the existing debt (through consolidation loans) can be worthwhile.

Making a Significant Down Payment

A very effective way of improving the chances of securing a mortgage loan with bad credit is to reduce the actual size of the mortgage to be borrowed. This can be done by increasing the size of the down payment made on the property. Usually, the down payment is about 5% of the purchase price, but by increasing it to 10% or 15%, the remaining price share is lowered, meaning a lower mortgage is required.

The result is that it becomes much more likely to get mortgage approval, with poor credit history very much taking a back seat. And the benefit is the overall cost of the mortgage loan becomes much lower, with a small principal meaning a lower interest and, therefore, smaller monthly repayments.

Friday, October 26, 2012

Why People Want To Buy A Villa In Cyprus?

Cyprus is situated in north east portion of Mediterranean Sea. It is considered as the third biggest island in Mediterranean. Being populated with millions of people, the island happens to be the hottest destination in the planet today. It has a lot of attractions to see and there are many things to do. So, tourists can have a gala time in Cyprus. They can see the beaches, coastlines, towns, villages and mountain peaks embraced with pine trees and much more by just a few minutes car drive from the island country. The climate is also superb in this part of the world. Cyprus experiences short and mild winters and long warm summers. It is a beautiful place. So, do you want to buy a house, bungalow, land or villa in Cyprus in order to enjoy the wonderful climatic condition and landscape beauties of it?

However, it is not only the perfect climatic condition and the landscape beauties that are alluring people from all over the world to buy an apartment or luxury villa in Cyprus. There are many other reasons that have or are tempting people to purchase land or properties in Cyprus. Read below to know the advantages of buying lands or houses in this island.

Low Property Cost

The main reason is the cost of the property. Buying houses or lands in this island is very much an affordable affair. The cost of buying villas, apartments or other forms of properties happens to be 30% lesser than the price of the properties in other European nations like France, Germany and Spain.

UK Based Legal System

The legal system of Cyprus is UK based. This UK based legal system is of great benefit to the people wanting to buy luxury homes Cyprus because the UK based legal system has a very advanced and reliable Land Registry system. So, with this legal system buying of villas, lands or apartments or any other Cyprus properties has become a very easy, smooth and secure affair for people. The issuing of title deeds is also easy in Cyprus in comparison to other European nations.

Low Crime Rate And Low Cost Of Living

The island country is considered a much undisturbed place than Spain, France or other European nations because the rate of crime here is about 20% less. People living here can take pleasure in a high European standard of living by spending very less. For instance, a couple can live a very comfortable lifestyle by spending just 10,000 pounds every year while staying in a villa in Cyprus.

There are many real estate companies in Cyprus that can help you buy the property that you want. You just need to get in touch with a reputed and reliable real estate company for this. Your buying process would be much easy when you hire the services of any of these firms for your purpose.

Saturday, October 20, 2012

Get Ready For .nazi, .gay And .god Domain Names

The .com domain simply is not cutting it anymore. In order to clear out the cobwebs and make up for the fact that the U.S. is running out of IP addresses, the Internet Corporation for Assigned Names and Numbers (ICANN) may soon be rolling out some colorful competition like .god, .gay, .muhammad and .nazi. In accordance with the Washington Post, these and more noteworthy domain names might have their coming out party this spring. If you want a .com website, you might want to look into obtaining a large payday loan, because they are used up. Article source - Internet land rush may lead to .nazi, .gay and .god domains by MoneyBlogNewz.
Obtaining the Web land rush going
Simple domain names like .com, .net and .org have managed to get the job done for individuals and private enterprise for a while. Domains like .edu, .mil and .gov are popular in the public sector. Yet domain names like .nazi, .god, .gay, .muhammad and others seem destined to stir controversy, suggest critics. You will find ownership problems to consider. For instance, .amazon could possibly be a problem. Who would own .amazon: the online retailer or Brazil?. There are issues ICANN expects to resolve by March or April. These are just some examples. Says can be solicited by businesses or governments to ICANN. The Internet land rush will take place soon.
The way to make your claim on one
Corporations and celebrities do not have to worry too much though. Not everybody can afford the huge price that comes with a potential new domain. The Washington Post reports that 5,000 is exactly what it costs to apply for the domain. Maintaining it's another ,000 a year. Only some of the application fee is refundable too, even if ICANN rejects the domain.
This has online activists like Lauren Weinstein of the Los Angeles-based People for Web Responsibility up in arms. Weinstein alleged the outrageous fees are merely a moneymaking venture for Internet Corporation for Assigned Names and Numbers, and the rainbow of highly specific domain names will trigger aggravation for trademark holders - not to mention users. Thrush is the ICANN chairman who claims that .gay, .nazi or other domains have fees. The money could be needed to defend against cybersquatting since ICANN is non-profit and lawsuits are sure to take place.
"Our job is to protect competition and give extra choices for consumers and entrepreneurs," said Thrush.
Citations
Washington Post
washingtonpost.com/wp-dyn/content/article/2011/02/06/AR2011020603940.html?hpid=topnews
Rocketboom on the horror of the domain name shortage
youtube.com/watch?v=3267Uh632XA

Tuesday, October 16, 2012

Bank Repo Boats For Sale

Boat repossessions are reported to be on the rise nationwide. Boat repossessions come both from private owners who have defaulted on loans, and from dealers that have gone out of business. Repossessions from private owners follow the same course as any other repossession, with a buyer who becomes unable to continue making loan payments and defaults on a loan. After default and a cure option, giving the owner the opportunity to redeem the note by paying the full balance, or possibly simply to reinstate the note by paying the shortfall plus costs, the finance company will resort to repossession, reclaiming the boat for later sale. With a dealer that has gone out of business, there could be a number of boats in the dealer's inventory, all securing dealer financing for the inventory from a bank or some other lender. When the dealer goes out of business, the dealer will also stop making note payments and the finance company will quickly step in to seize possession of inventory.



Sad though it is for someone to lose their boat to repossession, bank repossessions of boats create opportunities for new buyers. After a boat is repossessed, the lender will sell the boat by some means to recoup a part of its investment in the boat. These sales amount to liquidations, in which a lender is forced to take just a fraction of its investment in a boat in order to recover any amount. A buyer can buy a boat at this liquidation price, and likely save thousands. This takes place countless times per month all across the United States. Boat repossessions are on the rise nationwide, and more and more buyers are taking advantage of the opportunities created.



Repossessed boats range in size from tiny fishing boats all the way up to yachts. At the same time, the condition of these boats varies widely. In some cases, a repossessed boat will be recovered in excellent condition so that it is usable with no repairs or modifications. In other cases, boats are neglected before repossession, where owners stop maintaining and servicing boats after they stop paying for them. A buyer of a repossessed boat must exercise special caution in examining the boat before buying. A boat in non-working condition or in need of extensive repairs will probably not be worth investing in. Of course, boats repossessed from dealers generally do not present these problems. In many cases, these boats are new, even if sold at liquidation prices after repossession.



Repossessed boats are generally sold at auction. Auctions are operated by private auction dealers, who operate under contract with banks and lenders to conduct auctions of repossessed goods. An auction, of course, is a selling procedure under which goods are offered for sale by auction dealers in a competitive bidding procedure. Would-be buyers place bids or offers on goods, with multiple bidders participating, and the goods are sold to the highest bidder. Auctions for repossessed boats are now widespread.



The first hurdle to buying a boat at auction is to find an auction house to buy from. That is not quite as simple as it might seem. In fact, there are many auction houses in business that sell repossessed boats, but they vary in the size and quality of their offerings and in the accessibility of inventory. Access to inventory is important, because some boats at auction will be in need of extensive repairs and upgrades.



A great alternative to a boat auction is to purchase your boat at Marine Connection! This is South Florida's largest volume for super store for new, pre-owned and repossessed boats. Contact Marine Connection at www.marineconnection.com to find what you are looking for today!

Wednesday, October 10, 2012

The Free Criminal Records Of Tennessee Available Online

Performing a background check these days is very important. Getting your hands on public records like criminal records including arrest records will help you protect yourself, your love ones and your business from criminals. Tennessee Arrest Records are maintained at the Tennessee Bureau of Investigation (TBI). The bureau serves as the state repository of criminal history information. It is also in charge of issuing the records to whomever requests for them.

Arrest files are made when an individual is arrested for a crime committed against the law and imprisoned for it. The files will show information of plea bargains, dropped charges, dismissals and all kinds of compromise. All previous offenses against the law will also be shown in the files.

Tennessee is included in the scope and follows the Freedom of Information act, but it still imposes many restrictions as to what degree of information or files are released because it a close record state. The public has access to public records but they are deprived of access to some files and/or details of some files. Certified copies are not available in the state. Individuals' arrest records are protected by the state by asking for their permission first before their documents are released publicly.

Other details that can be found in an arrest record are the subject's name, aliases if any, address, age, physical attributes, fines paid, misdemeanor and felony information, mug shots, etc. Some details of the records might be missing or incomplete caused by the state being a closed record state.

You can get arrest files at the state's repository, country criminal courts and at civil courts. The public can only access criminal files and arrest files at the repository. Access to Tennessee criminal history information is given only to individuals, companies and organizations that are registered officially in the State of Tennessee. You can order a copy of the file through phone or through mail. Results will be mailed to the address you enter on the mail or emailed to your email address. The bureau charges per name searched. Payments made through cash, check or a major credit are accepted and are non-refundable even if no file is found for the search subject.

Arrest documents that belong outside of Tennessee are not available at the TBI. They only keep documents of crimes and arrests that happened in the State of Tennessee. Professional records keepers cater to searches outside of the state and there are two types of service which you can avail of in the internet the fee-based sites and the free-of-charge sites. Fee-based sites, as its name implies, asks for a fee but at a low cost. For practical users, you can search the internet for sites that offer free-of-charge services so you can acquire free public arrest records. Examine the sites first and choose which one you think would best fit your needs.

Monday, October 8, 2012

Instant Chase Credit Card Approval Program: The Advantages For Cardholders

It might seem strange, but even with a poor credit history it is possible to get approval for a new credit card instantly. The program has been introduced by Chase and Bank of America in an effort to reinvigorate spending, and help the economy on the road to recovery. So the criteria to get instant Chase credit card approval is not very difficult to satisfy.

The fact is that credit card companies need to continue to approved credit cards in order to keep their own business on track. So, there is a window of opportunity to applicants who have a regular source of income to get a card with a modest credit limit. Whether choosing Chase or Bank of America credit cards, the advantages are the same.

But there are more benefits than just the usual credit card incentives to look forward to. By securing a card under the instant approval program, consumers get the chance to rebuild their credit rating too.

The Basic Incentives

In case any reminder is required, the basic benefits that come with getting instant Chase credit card approval is fast access to much-needed funds. However, there are more benefits than simply fast access. New card holders also receive incentives like no annual fee, an introductory 0% APR, and a clear line of credit.

It would be unrealistic to expect either Chase or Bank of America credit cards to be granted to bad credit borrowers instantly with a very high credit limit. But, there is a selection of credit limits at competitive interest rates. The card scheme also offers 0% charges on purchases (for 6 months) and on balance transfers.

These credit card incentives are great, but the promise of instant approval is the chief attraction. Because the application is made online, it can take just seconds for approval to be confirmed. After that, the card (either VISA or MasterCard) will be delivered in 5 and 7 working days.

The Real Benefits

There are two more significant benefits available when getting instant Chase credit card approval. The first is that access to credit funds is so quickly confirmed, and the second is that a golden opportunity to improve credit scores is provided.

Fast approval lends greatly to reducing the financial strain we can be under. The most stressful part of applying for a loan or credit card is the waiting period. Often, we need to know as quickly as possible if the card is to be granted. So, when seeking a Chase or Bank of America credit card, we can know within a few seconds if our hopes are to be upheld.

But perhaps the most significant benefit is that, by securing these cards, the cardholder has a chance to put right the mistakes of the past. Using the credit card incentives, it is possible keep spending low and ensure the balance is repaid on time. Gradually, your credit score improves.

Use Your Card Wisely

In fact, using any credit card wisely is the key to staying on top of your debt. This practice can start from the moment instant Chase credit card approval is secured by resisting the temptation to celebrate.

It is a good idea to use a credit card for specific purposes, and not every day. For example, use a card to make sure bills are paid on time each month, or to use as an emergency when unexpected expenses crop up. Perhaps, they should only be used to book flight, hotels and theater tickets.

In this way, the costs associated with a Chase or Bank of America credit card can be kept to the minimum, with repayments kept under control. And remember to use the credit card incentives to your advantage to get the very best from the card.

Saturday, October 6, 2012

Why Hyphenated Domains Are Dead!....

For years search engine optimizers and affiliate marketers have been using this type of domain name quite heavily. The idea was that by including the primary keywords for your market in the actual domain name itself that this could and would influence your search engine ranking. This did seem to work for quite some time. It was an accepted practice.

There was a problem however. Search engines change. They change their algorithms and with these changes some websites can simply disappear from search engine results altogether. And change they did. March 2006 saw Google implement something called BigDaddy which immediately dumped 95%+ of hyphenated domains from their search index.

Why did they do this? Google hate people manipulating their search results because it makes them look bad. They run a business and like any business they want to stay in control of how their customers see them. Having search results filled with www.best-credit-card-options-online-guides.com doesn't look good. It makes their search results appear very unprofessional to say the least. Bearing in mind too that most of these extra long hyphenated domains were filled with keyword stuffed pages of rubbish that had no actual value to visitors and you can see why Google made this change.

Were all hyphenated domains dropped? Of course not. Some stayed in the search index especially those with just a single dash in the domain name itself. That being said the day will come when dashed domain names will probably be moved to Googles secondary or supplemental search index. This effectively means that your domain would be dead in terms of search engine traffic.

Does the title "Hyphenated Domains Are Dead!" seem a little harsh? It's not meant to be. It's there as a wakeup call for your business. For the newbies out there just starting in business online please don't fall into the trap of using dashed domain names. Anybody who advises you to purchase a domain name with more than a single dash doesn't know what they're talking about and should be avoided. Serious online marketers are dumping their dashed domains as quickly as possible and moving towards either:

1. Branding their websites with much shorter domains.

2. Just using non-dashed domain names instead.

From a business point of view it's actually a good thing. Using hyphenated domains was just a lazy way around being truly creative. There are plenty of great .com, .net, .org and .info domains left unregistered. There are as many great. coms for sale too - true you might pay a little more but at least you'll be getting a domain that you'll want to keep forever.

The days of the disposable dashed domain names are over. If you're running an online business now it's time to take it seriously with a proper domain name. You do want to take your business seriously don't you?

Sunday, September 30, 2012

How to Increase Business Profit with Retail Finance

In these hard economic times, most businesses are looking for ways to increase profit and quash the competition. One of the best ways to do this is through retail finance. Many business owners incorporate this method of consumer finance in their business strategy because they know that this will encourage their customers to patronize their products even without cash on hand. With retail financing, customers can now avail of the big ticket items in your store through a payment scheme that will allow them to pay off the full amount on instalment.

Perhaps some of you might be wondering how your business would be able to increase your profit through retail finance. The scheme seems to profit more of the consumers rather than the business owners. Shoppers need not go through the application process of quick loans just to buy the items that they want from your store. With retail financing that your own business offers, they can already make a decision of buying a rather more expensive item even if they could not afford to pay on cash.

As a business owner, you can profit when you offer finance direct to your customers in two ways. One way is by gaining customer loyalty and the second is by making an additional profit through the fee that you will charge for paying in instalment.

For instance, a couple may walk in your store and see a nice dining set that would be perfect for their dining hall. However, the set costs about

Sunday, September 23, 2012

Getting Down Payment Assistance in 2011

Owning a home can be quite a challenge. In fact, many first time home buyers may have issues with regards to saving money or may have inquiries about how to make a home downpayment while paying for other expenses at the same time. Here is how down payment assistance programs could help. There have been a lot of first time homebuyers who have secured their own houses with the help of downpayment assistance programs.

Down payment assistance programs are created to assist financial support for home buyers to be approved of their mortgage loans and closing costs. This is beneficial for individuals who are having a hard time saving up money to purchase their own houses. With our economy today, it is indeed difficult to come up with enough money to make your own real estate purchase. Not to mention that closing costs can be tremendously expensive since the home buyer needs to settle additional fees such as attorney fees, title service fees, notaries, brokerage commissions, mortgage application fees, appraisal fees, and so much more.

There are several national charities that are dedicated to assist home buyers with down payment and closing costs where buyers may be able to receive grants. Government down payment assistance offers grants that won't require you for an immediate pay back as long as you reside in your home for a certain period of time. However, keep in mind that terms may vary depending on the program you are registered under.

If you are a first time home buyer and seek downpayment assistance, Federal Housing Association (FHA) loans can significantly help you with all of your expenses. FHA is a sector operated by the US government that provides down payment assistance by offering an adjusted interest rate that considers first time home buyers' status of inability to secure a house of their own. Usually, mortgage loans may hit up to 20% and can be very difficult for first time buyers to commit. With FHA loan programs, it can be adjusted to as low as 3.5% of interest rate. It can also be granted as gifts from sellers as long as they register their property under the said programs. There are also other non profit sectors that provide down payment assistance aside from FHA that can assist a first time home buyer with home purchase. Some of which are Nehemiah and Ameridreams.

The qualifications to be approved in down payment assistance are not hard to meet considering that the candidates for approval are first time home buyers with no experience, not enough funds, or even those that has bad credit ratings. Your income will be checked and it should not be above 80% of the local median income in the state you are residing under. Different states have different program offers, including home loans for bad credit, and it is essential to check additional specifications by visiting the website of the Dept. of Housing and Urban Development. More often than not, if you have two years of working experience, some saved funds, and credit rating of at least 580, then you are most likely qualify for down payment assistance programs.

However, you must check your options and be certain that you are indeed ready for such commitment. Buying your own home gives you the sense of fulfillment so make sure that everything goes the right way. Take advantage of these first time home buyer programs to ease your financial worries that goes along with purchasing your own house.

Saturday, September 22, 2012

Nikon Coolpix L26 16.1 Mp Digital Camera

When Nikon entered the photographic industry back in the 1960s, more than once the cameras were compared to Rolls-Royce-built cars that were tough, yet could handle with the best on the road and, indeed, a lower-cost version called the Nikkormat debuted that was, if not a Rolls, a good strong Cadillac that could share lenses, filters and films.

In the hands of a professional photographer, either camera turned in quality shot after shot with no problem. Notice though, the use of the word professional. Even though the Nikkormat was aimed at the advanced Amateur photographer, the best results were still achieved by the pros.

That's why Nikon's move into the point-and-shoot category, bringing its technology with it, is a welcomed addition to the low-end of the photographic field. Imagine having a camera with a three-inch LCD photo monitor that, when combined with the 5X built-in zoom, allows even the newest beginning photographer to shoot exactly the image he or she wants and when it is put on line, it looks like it was taken by a pro.

Credit that to Nikon's built-in, easy-to-use electronic systems that handle all of the changes such as speed, F-stop and/or whether or not to use the built-in strobe. The Nikon Coolpix L26 features the multi-feature Nikkor glass zoom lens that can take macro shots as close as four inches from the lens to the 5X zoom that gives the photographer a wide range of freedom.

The three-inch rear monitor in this 1.7 by 3.8 by 2.4-inch camera - that weighs in at 15 ounces is a key to the capability of the L26. Because it is a high-resolution device one can frame a picture and then reframe it as needed quickly. The Smart Portrait mode automatically retouches photos one has taken by enhancing the facial images and enhancing them even further. Also, the electronics in the L26 include a sophisticated auto stabilization package that enables steady, shake-free photos even at long lens settings.

The L76 shoots at native mode 726p - high-definition - so that one can, depending on the size of the microSDHC memory card installed, shoot high-definition movie clips that include sound and which can be used on a high-definition monitor. Because this is a point-and-shoot model, aimed at the lower end of the camera market, there is very little as the L26 handles everything for you. Nikon believes in letting the camera do the work, one finds all of the modes are automatically set. They include: Portrait Mode;; Landscape Mode; Night Settings; Close-up Settings; Easy Mode.

The Coolpix L26 gives you all these modes and turns out professional grade work. Indeed, a pro might just want to carry one of these digital cameras along as a spare, just in case.

Thursday, September 20, 2012

The Benefits of Using Stoneware Dishes and Dinner Sets

Stoneware dishes and dinner sets are just as popular and valued by today's cooks as they have been for centuries gone by. Stoneware is a safe material for cooking food and it is also one of the most admirable kinds of material that has been used throughout centuries as a cooking vessel. The artful designs found on stoneware have always been very appealing to many people. And things are no different now. Stoneware has made a big comeback recently due to its multiple uses in today's kitchens. Some cooks prefer to buy their stoneware dishes individually while other choose complete dinner sets but they all buy for the benefit of the wonderful material.

Stoneware dishes and dinner sets are durable and this increases their value in the kitchen even more. These cooking and serving vessels are actually made from clay that has been treated at very high temperatures. They keep the food warm for a long time because the material has an inherent ability to store heat.

They are even more resilient than dishes made from china or porcelain. The heavy coating of glaze applied to the clay base makes these dishes so much more resistant to cracking or chipping.

Stoneware dishes and dinner sets are dishwasher safe and are very easy to maintain and clean up. And to make it even better, you can use stoneware dishes in the microwave! That is one benefit that makes the sale for so many families today.

You can safely keep it in the oven or even freeze it if you would like to store something in it. But one caution when freezing in stoneware - care should be taken when taking the vessel out of the freezer. If there is too much of a sudden temperature change the dishes are likely to break. To get around this, just be sure to allow some thawing time on the counter or overnight in the refrigerator before heating in your microwave or oven.

Tuesday, September 18, 2012

Three Tips on Handling Private Student Loans Successfully

Paying for college has become challenging for many people. The current state of the economy is forcing the costs of tuition to increase. Some of the more established loan and grant sources are drying up. This is putting many high school graduates in a position where they have to search for new loan sources. Many high school counselors are encouraging some of their students to enroll in the military, in order to save money and qualify for The G.I. Bill.

Most people know about federal government loans and grants, but there are some people who do not meet the qualifications that are required to receive funding from these sources. Where can one turn to when he or she is not approved for a grant or federal government loan? Fortunately, private student loans are available for individuals that are interested in furthering their education. Recent statistics show, that more people are applying for private student loans as time progresses.

Finding collegiate private loan sources is not as difficult as some may think. Consulting with academic advisors is one way of getting more information on private sources that are offering money for college. There are also many books that contain multiple listings of outfits, which have private money to spare. These books can be found within libraries and book stores.

Receiving private funding for education is a serious step, which should only be taken by someone who is willing to commit to earning a degree. One must be prepared to pay the principal and interest back, once their education is completed. This is one factor that is often taken lightly by many. Next are a few tips that can help college graduates handle a private student loan responsibly.

Earn A Degree

Earning a degree is the entire purpose of getting a loan. Coursework should be the top priority for all students who are using private funding. It would be a waste of time for one to get a private loan, and fail to finish college.

Double Payments

Future installment payments are expected out of borrowers. It is okay to make timely installment payments, but one should pay more than what is required monthly. Doubling the payments can help one pay off the loan sooner. This strategy also attacks the interest rate that is attached to the loan.

Supplemental Income

A full time job may not be enough to address private student loans. This is certainly true when it comes to a dental school loan. Getting an extra job can help secure more capital, and alleviate any tension that usually derives from paying back student loans.

Paying for college is becoming more challenging, due to the present state of the economy. Fortunately, private student loans are available for anyone who cannot get a grant or federal aid. Following the three tips listed above, can help anyone manage private student loans successfully.

Tuesday, September 11, 2012

Buy Electric Crepe Maker Online

The most typical sort of crepe maker is the electric crepe maker. The electrical crepe maker seems to be like a daily flat, spherical griddle positioned on high of a heating element. Pour a small quantity of batter onto the griddle and unfold it out evenly. The batter is unfold with a special wood software designed for this purpose. This wood instrument ensures even spreading of the batter which ends up in a crepe that's thin and even.

The electrical crepe maker is often used for business purposes and is dearer than the house version. Automatic thermostat ensures correct heating of the crepe maker thus providing the appropriate cooking temperature. Electrical crepe makers cook faster than the stove high ones.

An electrical crepe maker is a good way to make a incredible tasting breakfast crepe that can evaluate with any to be found in cafes or restaurants around the world. Most electric crepe makers include a non stick surface and thermostatic control for great crepe cooking. There are two basic types of crepe pan, the skillet and the dip, flip and cook style.

The skillet crepe maker machine is often greater and more powerful lending itself well to larger crepes cooked in quicker cooking times. With these models the batter is poured onto the griddle plate permitting you final management over the size and thickness of your crepes.

The dip, flip and cook model of electrical crepe maker is good for household use, smaller and fewer powerful but typically accessible in cordless variants these models require the user to dip the hot plate into the batter mix. The batter sticks to the recent plate and cooks a skinny crepe beneath temperature managed conditions.

There are two basic sorts of electrical crepe pans on the market. One uses the dip methodology for creating crepes, the opposite uses a kind of scrapper to unfold the batter thinly on the cooking surface. Whichever mannequin you've got, an electric crepe pan simplifies the crepe-making process and is simpler to make use of than a skillet. Crepe makers normally have a heating ingredient and a spherical, non-stick griddle. There are crepe makers that may be put on top of a range to make crepes. Crepe makers can be utilized both on stovetops or can be utilized as separate units. With a bit of apply, the electrical crepe pan means that you can make excellent crepes every time.

Among the greatest manufacturers to think about shopping for over the web embrace : World cuisine, Villaware, CucinaPro, Krampouz and Cecilware. Costs fluctuate from by way of to 00 for the higher vary skillets.

Amazon has a big selection of crepe makers. So there's a crepe maker for each want and budget. Crepe makers manufactured in France being the costliest ones. When choosing a crepe maker, look at options reminiscent of heating time and griddle measurement based mostly in your needs. Crepe makers will be bought on-line however achieve this after you make a thorough research whereas comparing the varied options and their price.

Monday, September 10, 2012

Differences In Management Consulting And Investment Banking

The decision was relatively straight forward for me. The negatives of investment banking - long hours, repetitive work, lack of non-finance exit options - mattered more to me than the money.
I considered sales & trading (in fact, I spent a summer at CSFB in NY), and was tempted to continue in that line of work after graduation.
Instead of defining the characteristics of each industry (there are plenty of resources out there for that, including my Management Consulted blog), I will address a short list of differences between the two career paths.
Let me caveat by saying THESE ARE NOT YOUR ONLY OPTIONS. People get carried away into thinking thats all there is.
#1 SALARY
This is the primary superficial distinction. Thats not to imply that salaries aren't important. Banking salaries average 50-100% higher than consulting salaries, with the gap increasing as your seniority increases. Consulting attempts to compensates with small perks - from better travel allowances to more generous retirement packages.
Consultants always like to say this:
I know investment bankers make more money. But from a cashflow perspective, its exactly the same!
This means that consultants and bankers make similar base salaries, but at the end of the year, bankers are awarded a significant bonus which can be more than half of their total annual compensation.
Cashflow or not, the extra money is substantial and a defining driver of why many people do investment banking over business consulting. This is also a difficult issue for consulting firms with respect to employee retention. In my years as a McKinsey management consultant, easily half the people who left the firm went into the financial world (from hedge funds to PE), and salary was undoubtedly a major factor in the decision.
My advice is - after considering the 5 factors Ive listed here, you still think the pay difference (for analysts, averaging between -60K per year) would mean a significant difference in your professional job satisfaction, choose investment banking over consulting.
#2 LIFESTYLE ISSUES
The big differences here are:
-Hours. Bankers work brutal hours, no surprise. They can average 14-16 hours/day but it can get FAR WORSE.
My roommates in New York (both investment bankers at Goldman Sachs) would sometimes go several weeks before wed even exchange a word. Which meant not only were they getting in after I went to sleep (around 2am), but going back to the office before I woke up (around 7am).
Your second year as an investment banker gets easier - often in the 10-12 hours/day range but with occasional tough periods.
Management consultants average 12 hours/day, with the typical variations depending on client, team goals, etc
-Travel. Bankers do a little travel for roadshows, due diligence, etc but spend 90% of their time in one office until youre partner-level (you can expect more travel in private equity and asset management). Depending on firm - management consultants travel a lot. At the Big 3 (Bain, Boston Consulting Group, McKinsey), you can expect travel 50-75% of the time
-Relationship with firm employees and coworkers. This is an important but oft overlooked issue. Consulting firms have a very collegial atmosphere, where the focus is on getting work done and ensuring your professional success. This attitude permeates all interactions. Managers never yell, coworkers are supportive whenever possible, and companies are organized to provide consultants support with training, expertise, etc. Finally, networking is critical at consulting firms, and social events are focused on helping business consultants build contacts and relationships throughout the company.
Investment banks, on the other hand, have a more competitive and tense work environment. You can expect more stressful relationships with your bosses, youll probably be yelled at occasionally for mistakes, and coworkers are much less willing to help out colleagues (your success means theres more competition for the biggest bonuses).
In addition, youll have limited exposure across the company to other groups, departments, etc - less ability to network across the company.
Part 2 of this series on consulting versus banking continues tomorrow!

Thursday, September 6, 2012

FHA Streamline Refinance Mortgage

Is the FHA streamline mortgage refinance really free or a scam?

The FHA streamline refinance is a mortgage program that allows borrowers, with FHA loans, to lower their existing mortgage payments and bypass many of the requirements that lenders usually require for new loans. The logic behind the reduced requirements is simple. FHA streamline refinances do not allow borrowers to increase their current loan balances. Since no additional money is being loaned, there is no additional risk for FHA or the lenders. This is also why they often waive appraisals.

Although FHA streamlines are simple and fast (most close within 30 days), they are still considered mortgage refinance transactions. Under the Real Estate Settlement and Procedures Act (RESPA) all refinance transactions require that the title companies (usually attorneys) review the files and pay all of the required municipal fees at closing. Even if a lender waives their fee (Ex. no-closing-cost loans), the title company and local recording fees must still handle the closing and be paid. This raises the primary question. Can mortgage companies advertise no-closing-costs programs when essentially all mortgages have mandatory fees? Are FHA streamline loans really free?

The answer is yes and no. Yes, there are legitimate ways for FHA borrowers to lower their mortgage payments, without increasing their loan balances and without upfront cash. No, all programs that say no-closing-cost mortgages are not truly no-cost. The majority make it sound free, but actually charge upfront fees and add the fees to borrowers' loan balances. How does this happen? Most borrowers do not understand the specific meanings of various mortgage terms and unknowingly misinterpret what they hear or read.

The terminology mortgage companies use in advertisements is often the cause of the discrepancies. When lenders promote no-closing-costs mortgages, people generally assume the loan will be free. Since most borrowers do not know the difference between settlement fees and closing cost, they simply interpret "no closing costs? to mean absolutely no fees or costs. This is what confuses most people.

There are distinct differences between the terms closing costs and settlement fees. Closing costs are exclusively the fees that the banks or lenders charge. These fees are generally for underwriting, credit reports and miscellaneous fees. However, there are other parties involved and other costs in a mortgage transaction to consider.

Settlement fees are a completely separate set of fees. The settlement fees are not controlled by the lender and are not paid to the lending entity. The settlement fees are the combination of attorney, title and local recording costs that are required to close a loan. Remember, when lenders state no-closing-costs the lenders are only waiving their fees. This does not meant that the borrowers will not incur any fees throughout the transactions. The settlement fees for attorneys and recordation always have to be paid. In most cases, the fees are added to the borrowers existing mortgage balances, but there are some exceptions.

Although they are rare, a few lenders offer FHA streamlines loans that do not add closing or settlement fees to the borrowers' loan balances. They also require no cash. This is possible, because the lenders pay the fees for the borrower by issuing the borrower a Title Fee Credit. The Title Fee Credit covers the fees the lenders would typically add to the borrowers' balances. The borrowers receive lower mortgage payments, without upfront cash and without using equity to pay fees. The lenders benefit, because they only use a portion of their commissions or revenue to pay the settlement fees via the Title Fee Credit. Everyone wins.

There are some drawbacks to loans that have the lender pay the settlement fees. First, the borrower rarely gets the lowest rate available, because the lender often increases the rate slightly to justify paying the settlement fees. Second, if a borrower plans to stay in the home for a long time and does not anticipate lower rates in the future, the Title Fee Credit options could end up being more expensive over time. However, in most cases it makes more sense to avoid upfront costs whenever possible, even if it means paying a slightly higher rate. If the borrowers decide to move, sell the homes or see opportunities to drop their rates further in the future, they do not have to worry about money spent on previous transactions.

In conclusion, when a borrower is able to refinance without cash out of pocket and without adding fees to their existing loan balance, many would consider the transaction free. Although attorneys may disagree, most consumers consider a loan free when they get a lower mortgage payment and keep their loan balances the same. When considering an FHA streamline refinance or interest rate reduction loan, be sure to look at the transaction as a whole and select the option that is most feasible for you.

Monday, September 3, 2012

New For Poor Credit Borrowers

Balloon loans are a relatively new mortgage instrument recently introduced to the home financing and mortgage market. Balloon loans have been developed to allow greater flexibility when it comes to figuring out the best way to pay on mortgages for people needing a bit more leverage in their payments. Financial experts assert that this type of loan brings about a balance of payments offered with greater leverage as loan maturity dates approach. These new financial instruments perhaps could be best categorized as adjustable rate mortgages for people with poor credit.

Of course, many in the United States home mortgage industry have seen these balloon loans gain in popularity with lenders and borrowers alike. Especially those marketing and using loans for low credit borrowers. Also, many occupants who would normally lease an abode, find themselves using the balloon loan as an alternative. This makes sense in that leased properties must endure property taxes and the balloon loans make the lessor an owner and as such they get to enjoy reduced tax rates. These balloon loans provide lower initial interest rates so users can reliably weather any immediate financial storms.

How Flexible Are the Terms?

Flexibility regarding interest rates makes these loans particularly useful for folks with poor credit histories. These mortgage instruments combine the usual useful features of a long-term fixed rate mortgage with the short-term variable rate mortgage. The initial term provided to the poor credit folks is usually leveled at around five to seven years. If they choose at that point, they can be adjusted to a lower rate with a 30-year amortization.

Also, an option exists for these borrowers to pay the full amount due at the maturity date. So, in some instances, a significant payout could be required at the end of the initial time period. The loans are extremely flexible in their structure in ways that are appealing to poor credit homeowners. By comparison, rates of interest imposed by balloon loans for poor credit borrowers are quite a deal lower than those imposed by other mortgage instruments in the home loan market today. So, these mortgages are built especially for those who would not qualify for the other low interest loans available.

Can a Balloon Loan Replace My Old Mortgage?

Folks with low or poor credit scores, could use balloon loans to replace or take over existing home loans or mortgages. This could be especially helpful for those who are facing foreclosure under their present home loan or mortgage. So, along with rescuing a home from foreclosure, the new balloon loan could offer cheaper interest rates than those the homeowner could get among the loans in the general marketplace.

The fact is, if a homeowner is facing a foreclosure, especially if he or she is operating under a poor credit history, taking a balloon loan to refinance the home would make the situation a lot easier for the financier and the borrower alike. Many homeowners are feeling the tug on the purse during these recessionary times, those with poor credit and facing foreclosure should give balloon loan serious thought. As with any difficult time, it is wise to seek legal assistance or the assistance of a real estate professional.

Monday, August 27, 2012

The Right Character Traits For An Mba

Applying to business school? Yeah, I know what that's like. You have a lot to focus on and sometimes the only way you can understand the application is to really break down some of the components and concepts into parts. For example, ever think about how your extracurriculars, life story, and work experience are all part of the large picture? You need to really give admission officers a piece what you are as a person, think of it as character development.

Let's nip it right in the butt. You really have to show admission officers that you have traits to be successful.

It's critical that you know what your business school of choice is looking for in its applicants. If you don't know, it's going to be hard to weave some of those traits into applications and convince them you're the ONE. Believe me, not all business schools are the same and if you're assuming that any trait will satisfy business schools, you're dead wrong. All top MBA programs want their students to graduate and to become newsworthy alumni one day; they want powerful leaders out there representing their alma mater brand. Whether it's finance, consulting, healthcare, or the social sector, you need to be a dominant force along the way in some form. You might be thinking that not every business school cares about leadership the way Harvard does, but every business school is actually looking for influential leaders. If you have no interest in becoming a leader one day, then you can forget about becoming a notable alumni.

I know I'm sounding rather harsh but this is the reality of business schools. Think about it, they want to continue having an amazing brand to continue attracting applicants from around the world. It's a business model! After all, it's business school. They've got to make money somehow, right?

I'll leave you with some traits that you should be thinking about as you dive into the application process. Don't limit yourself to these, use them as a guide and continue to find traits that you embody.

Motivated
Emotionally intelligent
Confident (not arrogant)
Communicative
self-aware
empathic and thoughtful

If you're having trouble finding some traits, visit some school websites and read about current students. This is always a good beginning.