Tuesday, November 13, 2012

Would You Rather Be James Bond Or The Most Interesting Man In The World?

Many of us identify with the larger-than-life image of James Bond played by Sean Connery. He's a man's man, attracts women with ease, and can defend himself when needed (or wipe out armies of adversaries whenever he wishes).
Although I insist that I'm way beyond hero worship, in my secret heart-of-hearts I sometimes dream of having the qualities I imagine are part of the James Bond mystique. Although the image is one of charisma, health, and wealth, the reality for men is often quite different. The James Bond films are based on the fictional character of MI6 agent James Bond (code designation "007") appearing in novels by Ian Fleming, a real life "James Bond," who was a Navel intelligence officer during World War II.
Unlike the fictional character in his novels, Fleming, like many men who went to war, later suffered PTSD. In 1961 Fleming, a heavy smoker and heavy drinker, had a heart attack and three years later, at age 56, had another heart attack and died on his son Caspar's 12th birthday in 1964. Eleven years later, Casper committed suicide with a drug overdose and was buried with his father.
Another image of the modern man is portrayed in Dos Equis beer commercials as "the most interesting man in the world."
"The most interesting man in the world" is a distinguished older gentleman, played by actor, Jonathan Goldsmith, who is shown through film clips of deliberately varying quality to have led an extremely eventful and colorful life, packed with over-the-top heroism and adventure. There are generally two types of ads: one features the man in a bar environment giving advice or opinions about various subjects, and the other features a narrator describing the man's distinguishing, but quirky background. Some examples include:
"If he punched you in the face, you would have to fight off the strong urge to thank him."
"He lives vicariously through himself."
"He once taught a German shepherd to bark in Spanish."
"His personality is so magnetic, he is unable to carry credit cards."
"Bulls flat out refuse to fight him."
"They say he once found the fountain of youth but didn't drink from it, because he wasn't thirsty."
"He can speak French in Russian."
"He's been known to cure narcolepsy, just by walking into a room."
"He once had an awkward moment, just to see how it feels."
"Even his enemies list him as their emergency contact number."
"He is The most interesting man in the world."As one blogger commented, "It takes serious balls to claim you're the most interesting man in the world, but the current Dos Equis spokes-character is trying his darndest."
As one blogger commented, "It takes serious balls to claim you're the most interesting man in the world, but the current Dos Equis spokes-character is trying his darndest." Interestingly, Goldsmith, the real man behind the ad, first established himself as an actor in Western films, appearing in over 25 films in that genre. In the 1976 film The Shootist, Goldsmith played a villain who was shot between the eyes by hero John Wayne, who fired blood capsules from a special pellet gun at pointblank range into Goldsmith's face for seven painful takes.
Rather than trying to emulate the "most interesting man" character, we may do better by following in the footsteps of the real-life person. According to his bio Goldsmith enjoys wine tasting, and he has been quoted saying, "I actually don't drink beer at all. In fact I usually spend my nights reading a book, not partying with women."
If you were picking a role model, who would it be? If you were raising a son, who would you like him to become? If you were going to live happily ever after, who would you want to be with?

Sunday, November 4, 2012

Departmentalization Of Insurance Companies

The company treasurer or controller may be a functional officer rather than an executive officer. The same thing may be true of the legal counsel. Often, functional officers are eventually elevated to the position of executive officers by promotion to a vice-presidency. Thus, although the office of legal counsel may not be recognized by the charter of the company as an executive office, the counsel may be made an executive officer by promotion to the position of "vice-president and legal counsel."

In a small insurance company, just as in any small business, departmentalization may be theoretical; that is, employees may perform functions in several departments. Executives, especially, may have charge of several departments. In the large company, of course, the various territorial departments may be virtually companies within themselves, in that they may be staffed to perform every function necessary to that department without assistance from any other department.

A small company may have a tendency to be more trustworthy and less complicated, but a larger company is less likely to fold, and would probably be cheaper. But all companies are different, so it is up to you to decide which can provide the best life insurance.

There are at least five bases of departmentalization: functional, product, territorial, customer, and executive interest.

Functional departmentalization is based upon functions performed. Thus, there would be a legal department, an investment department, an agency department, an advertising department, a purchasing department, a claims department, an engineering department, and the like.

Product departmentalization determines the scope of a department by the type of product with which it deals. In an insurance company, there may be a life insurance department, an inland and ocean marine department, fire department, liability department, automobile department, accident and health department, and others.

Territorial departmentalization means the departments are determined by the territory over which they exercise jurisdiction. Thus, in a large insurance company, there may be an eastern department, a western department, and others. Most companies which do business outside their own country will have a foreign department. The foreign department may be further broken down, for instance, into a Latin American Department and a European Department.

Customer departmentalization establishes departments by the nature of the class of customers with which it deals. Customer departmentalization is often difficult to distinguish from product departmentalization, the two being sometimes virtually identical. In insurance home office operations, pure customer departmentalization, for example, will be found in a reinsurance department, which deals with sales to other insurance companies; a special risks department, which handles the large self-rated accounts; and a group department, often including salary savings and pension trusts, which sells only to employers and in the mass rather than to individual policy buyers.

An easy distinction would be a department that deals exclusively with life insurance rates without medical, versus a department that deals with life insurance rates that require an exam.

Finally, executive interest must be recognized as a very practical and frequent basis of departmentalization. Departments may be organized along the lines of the interest of any given executive or executives in the business, even though those interests may be somewhat diverse.

The bases of departmentalization vary from company to company. They also vary within any one company. Many of the departments of a company are organized along functional lines, although much use is made in the insurance business of product, customer, and territorial departments.

Thursday, November 1, 2012

Real Estate Realities and Technology

Real Estate Realities
Whenever we say the word real estate the thing that pops into mind is flashing dollar signs. It is considered the shortcut to quick bucks. But ever wondered what really this industry is about and why it is the second largest employer after agriculture in India. It is the most coveted dream- to own their own house- most coveted investment-returns cannot be matched and it gives you steady income (read rent)- what fixed deposit, mutual fund, metal can hope to do this? Most importantly it is because on an average 60 % of a person's income is locked in real estate. We also have the issue of our weaknesses also being our biggest strengths. It is the only segment of an investor's wealth which is yet unregulated and has no entry barrier unlike stock brokerage and insurance. Market penetration is as yet low on an organised level. Translated this means potential and first mover advantage. We see a host of international property consultants and corporate houses entering the market. Though it is attracting a lot of attention these very problems shatter the quick buck dream. No proper information, uneducated and uniformed brokers are the biggest problem. Add to your woes is a highly informed customer who is soon considering to become a DIY-(do it yourself) customer. It is easy to have 200 leads but it is very difficult to match these leads, go through the documentation and close the sale. But it is even more difficult to collect your commission. Having put forth a general view I will still say it is the best time to be in real estate. You have virtually no competition if you decide to be professional, competent and deliver. Remax is the World's largest brokerage network and doing this work in an organized manner. Visit Remax India website for details on how to join organized real Estate network in your city.

Real Estate: A Technology Trauma
Yes you read it right! Technology is the all-pervading presence in our lives including our very own real estate. The nearest our industry has come to technology is: flashing smart-phones and no it's not because you use the smart-phone as a smart-phone. It is but a status symbol. I guess I am being too harsh. For the slightly more tech-savvy listing on a few popular portals and subscribing to a hundred different groups is what they do!
Yes my friend you did use technology-EUREKA! The real question is what did you GAIN out of it? The answer probably left you with what I call Technology Trauma. It affects those who don't understand this mammoth thus don't use it or use it but don't get the gains.

There is a lot to technology but here we will cover a few common ones. We shall have more posts taking in each aspect in detail. The problems:
Property websites: Lack of MLS system makes it difficult to check if the property is genuine. www.remax.in follows the MLS system which most of the other portals did not do.
Google Broker Groups: Number of Broker Groups available without a proper filter system. At Remax India, there is a huge network of Brokers and that too in your city. It covers almost all of the major cities in India.
Popularity on Search engines: Huge number of property websites with few genuine hits on each. Again you have an advantage with www.remax.in which could be easily searched through various search engines like Google and Bing.

Tuesday, October 30, 2012

Misleading Ideas About Instant Approval Credit Cards

A lot of credit card issuers offer instant approval simply by submitting an application online. If you would like to have a credit card or it is your first time to apply, the prospect of being "instantly approved" will surely be appealing. Nevertheless, just before you fill out your online application, read on the rest of this article to avoid being misled by false ideas on credit cards with instant approval.

The Name Can Be Misleading Some consumers have the false idea that credit cards with instant approval does not involve any waiting time at all. But is that really what the term "instant" mean? Can you expect to get your credit card and use it on the same day you submitted your application? The answer is no.

You may ask, what does the term "instant approval" really imply? The truth is that getting approved instantly only suggests that a potential cardholder can get approved more quickly than the traditional method of application.

As soon as the application has been submitted online, the applicant's credit history will be screened though an online system. This is why a response can be expected within the same day or only a few minutes after clicking the submit button.

Nevertheless, getting approved is still subject to the credit card company's conditions and credit rating standards. For instance, some issuers will strictly demand for good or average credit score to get approved.

Once approved however, the actual processing may take from 4 to 7 business days. During this time, the applicant's background will further be reviewed to make sure that he/she is able to meet the issuer's qualifications. Afterwards, the credit card will be sent through postal mail to the customer's billing address.

When the consumer receives the credit card, he/she must call up the credit company and go through the telephone verification process before the account can be activated. Once active, that's the time the cardholder can use his/her card for transactions.

Instant Approval Credit Cards for Bad Credit Yes, the promise of getting an instant approval" can sometimes be deceiving, if you are not aware of the procedures. This is why consumers are strongly advised to take the extra time to do research about the credit card company's guidelines prior to submission.

Another important step is to check the status of your credit history from each of the three credit reporting agencies. In case you have bad credit, try to look for credit cards that offer instant approval for consumers with imperfect credit rating. This way, unnecessary rejection can be avoided since it can inflict more damage to your credit score.

Friday, October 26, 2012

Business Idea With The Bank Bin Database

Even if you are not the owner of a retail store or a virtual online store, you could initiate a successful business using the bank bin database system. With a little determination and with a smart management strategy, you could offer bin database services to potential customers. Let us see a simple business plan for a bin database listing business.

1. Buy the bin database software

While the bank bin database program is both available in the bin database download and online version, buying the program is mandatory for you. Therefore, buy the bin range database program, and use the bin database check feature to familiarize yourself with the features of the program. At the same time, start developing your site offering bin database and bin search services.

2. Attracting the clients

Search the blogs and forums to find online stores and businesses that had problems with bankcard frauds and scams. While this operation is time consuming, it is not that hard. Find the clients that had to request chargeback for their operations, and see what sites are the preferred targets of internet pirates. Make a list of those sites, as they are the potential clients of your bin database program.

3. Presenting the advantages of the bin database search program

Don't rush to make offers to those sites just yet. In order to use the bin database table for offering services to your potential clients, you will have to prove that your service is reliable. This is why you need the quality of Cards Processor Authorized site. Only if you have this quality, your clients would trust to offer you the bank details of their customer for processing. We must tell you that this process is not easy. For example, if you want to offer bin database Amex services, you will have to be certified by American Express. The same certification is needed for bin database MasterCard services. Obtain those certifications, and state this quality of your service in your offer.

4. Customizing your offer

Create a draft with your offer. Do not forget to mention that you offer bin database American express, and bin database validation services, as well as visa card bin database operations. You can also offer bin database free services at start, so the clients would understand the reliability of this service. Entrepreneurs that tried to sell the bin database credit card services in the past were more than happy about the incomes, and even if obtaining the quality of card bin database processor is hard, the clients are more than happy about buying those services.

If you are able to initiate a bin database bank service of this kind, you will be like an affiliate service for the bin database bank identification numbers main site. Therefore, before offering services of this kind, you must be sure that your bin database bin search provider is reliable. Once you have that provider, you could also ask the customer service representatives of that site about initiating your affiliate business, as they usually are more than willing to help you.

Saturday, October 20, 2012

Direct Market Access Cfd Brokers: Do They Hedge Each Trade To The Market?

One of the pressing discussions in the trading market for Contracts for Difference is about the Direct Market Access CFD Broker or the Market Maker Broker. Today we'll take a look at the Direct Market Access CFD model and try to understand whether or not they hedge your trades directly into the market.

What do you mean by Direct Market Access (DMA) broker? How is Direct Market Access (DMA) broker defined?

A DMA CFD broker is a broker that allows you to place your trades directly into the underlying market without intervening in any way with that order. The use of the DMA Model provides transparency in the orders and you can be sure of what's going on as you can see all things in the market. Market Maker CFD broker serves as the alternative where they create the market for each of the many products they offer.

Normally a Market Maker broker 'mirrors' the underlying market and this only means that they will quote you prices that replicate the underlying stock you're trading but may requote you and offer any price they prefer.

Do DMA CFD Brokers really hedge orders into the market?

To explain it, hedging in this situation is that act when you have to put an order for let's say ,000 BHP and the broker gets into the share market to buy at the same amount exactly. Therefore, in this situation your CFD broker bought exactly ,000 BHP the exact same time you did. As a general rule (I haven't know of a DMA broker not doing this), your DMA CFD broker will always hedge 100% of your order directly into the market.

This makes way for your peace of mind knowing that your CFD broker will not be making money while you lose and losing as you win like what a lot of people suggest happens in a Market Maker model. The DMA broker instead only makes money through the brokerage they charge and the overnight finance too. Take note that day traders don't pay for overnight finance given that they close their position each time before trading is done. This differs in brokers but most often it is 5pm New York time.

Tuesday, October 16, 2012

David Montelongo Real Estate Investing Seminar

What a NewbieReal Estate Short Sale Tips

Here are some tips and significant details you need to know about real estate short sales and property flip transactions. When you have to sell something, you never get to sell it for as much as it's really worth. If you don't have to sell it or if you are not in a hurry to sell it, you can usually sell it for a lot more money. If you learn how to play between those two worlds, buying it at the distressed price and selling it at the arm's length value, the spread is where the investor can legitimately make their profit.

Now there are red flags and black flags for improper property flip transactions. The black flag is what kills the deal. The red flag means you need more information. You have to document something. You have to verify something. You have to address something and then that's when you can move on. When you are doing a back to back flip and a short sale, you are going to be paying attention to who is the owner of record. Well the owner of record is the person who is still in foreclosure because you the investor haven't quite bought it yet. You are in the process of being able to buy it and in the process of being able to sell it at the same time.

At least that's the way most short sale investors work, they want to buy it on Monday morning and they want to sell it before lunch on Monday. Or is this what everybody is trying to do? Buy and sell on the same day, make the spreads and go home. Another thing is that if the property seller, that means the investor who is selling the property, for purchase transactions, is not the owner of record means that they currently were not the owner of record. If the property seller for purchase transactions or the borrower for refinance transaction is not the owner of record, the seller must investigate the circumstances of the transaction to ensure that the transaction is legitimate.

When analyzing sales contracts and other documentation it is quite necessary to exercise due diligence. Here's what you can do regarding documenting the legitimacy of the transaction in your mortgage file. Get some pieces of paper including but not limited to the appraiser's analysis and conclusion in their report, a property sales history report. Look carefully for terms indicating that there's been an assignment or the sale of an interest or an option to acquire the property. Find it, document it, and make sure it all makes sense.

David Montelongo who was featured in A&Es hit reality show "Flip This House" is hitting the road to teach aspiring Real Estate investors How to Invest in Today's Market. Now he's coming to show you exactly how he made a fortune! Get more info on David Montelongo Real Estate Investing Seminar at

Sunday, October 14, 2012

Leasing Retail Space - Negotiating The Right Deal

Letter of Intent (LOI)

Retail space negotiations are complicated and time-consuming. Once you have located the retail space which is ideal for your business, the next step is to negotiate an agreement which protects you and is acceptable to the landlord. Industry practice for retail space is to negotiate a letter of intent before negotiating the lease.
Use an Attorney!

Engage an attorney to assist in the letter of intent negotiation. It probably seems that the letter of intent is informal and can easily be negotiated without an attorney. However, there are issues you should address in the letter of intent which may not be obvious if you have not previously negotiated letters of intent for retail.
Wow! This is Complicated

Common factors for a retail space letter of intent include: defining the parties (leasor and leasee aka landlord and tenant), defining the space, defining the rent including any percentage rent, defining the basis for calculating sales or net income if they are involved in calculating rent, the initial term, any renewal options, rent for renewal options period, the day at which lease payments commence, the date of occupancy, the condition of the space when the landlord provides it to the tenant, tenant improvement allowances provided by the landlord, who performs the tenant improvements, is the tenant required to use union labor for tenant improvements, is the tenant required to use a general contractor for tenant improvements (TI), who pays for the cost of the ADA compliance, who maintains what (i.e roof, HVAC, electrical, plumbing, etc), who pays which expenses, calculating the payment for CAM (common area maintenance), free rent, and identification of the broker and payment of the brokerage fee if relevant.
You Mean There is More!

Other issues which you may want to address in the letter of intent include expense escalations, co-tenancy issues, eminent domain, foreclosure, maintenance standards, definition of the amount of leaseable space, personal guarantees, purchase option, subleasing, required hours of operation, dedicated parking, who is responsible for obtaining variances related to signage and usage of the retail space, expansion options, first right of refusal, can the tenant keep the TI allowance not needed for construction, can the landlord relocate the tenant if the space is needed to accommodate another tenant, late payment fees, the mechanics of providing notice of default and any options for the tenant to cure the default, mechanics of dispute resolution between the landlord and tenant, and a right to terminate if your sales do not stabilize at a minimum level.
Complete LOI First

Complete and obtain an executed copy of the letter of intent before beginning on the lease agreement. The primary objective of the letter of intent is to negotiate and agree upon the business issues. The lease documents these agreements. Discuss fees to negotiate the lease with your attorney. Agree upon an hourly rate and estimate of the total fees. Agree the attorney will call if it appears the cost is going to exceed the estimate.
The following sections of the leasing retail space article focuses upon issues which merit commentary.

Percentage Rent

Percentage rent -- make sure the agreement regarding percentage rent is clear. If percentage rent is based on sales, define sales. For example, is sales-tax remitted to the city and state included in sales? It is even more difficult to define net profits, which is why most percentage rent leases are based upon sales instead of profits. Attempt to look at the definition of net profits from a detached perspective. If you gave the definition to a six grader, could they understand it?
Renewal Options

Renewal options -- tenants love them and landlords prefer to avoid them. In general, a larger number of shorter renewal options are better for the tenant. In addition, shorter notice periods to announce the tenants intend to renew are desirable for the tenant. Landlords prefer as much notice as possible regarding whether or not the tenet plans to renew.
Renewal Option Rental Rates

Renewal option rental rates -- tenants typically want fixed rental rates for renewal periods. Landlords typically want the rental rate based upon market rent. Agreeing upon market rents can be difficult and expensive. Reasonable people can disagree regarding the level for market rent for a retail space. For example, should the premium for an end-cap space be 10% or 100%? Retail space is not fungible. It recently signed lease for retail space within the same center provides insight into market rent. However, in most cases it will not clearly defined market rent.
The Market Research and Consulting division of O'Connor & Associates provides information necessary to make decision to commercial real estate professionals. Occupancy and Rental Data, ownership and management information are routinely gathered for four major land uses multifamily, office, retail and industrial. This information allows investors to compare competitive properties, facilitate business decisions and track market and submarket performance. In addition the data is useful to brokers who for example continually monitor Houston retail space leasing, Houston office space leasing, Houston industrial space leasing, Houston apartments, Dallas apartments, Ft. Worth apartments, Austin apartments, and San Antonio apartments.

Tuesday, October 9, 2012

Sahara Rv Dealership, Offers Sales, Rentals & Service For All Motor Home & Travel Trailer Needs

Sahara RV Center is a full line RV dealership offering: Rentals, sales, consignment, service / repairs, and a 10,000 sq ft parts store. Our sales department offers the largest pre-owned inventory in Las Vegas! Our Rental department offers various sized RV's and the only rentals of Tent trailers, Travel Trailers & Toy Haulers in the region. Sahara RV Center's staff can do almost any service or repair that you require.

We are a family owned business which has operated for over 25 years at the same Las Vegas, Nevada location. We offer Starcraft travel trailers, tent trailers and slide on campers, Cherokee 5th wheels and travel trailers and Sunseeker class C motor homes. Our pre-owned inventory generally includes a large selection of clean, affordable, older and newer model motor homes, 5th wheels and travel trailers. Our late model rentals include Georgetown class a motor homes, Sunseeker class c motor homes, Cherokee and Extreme Lite travel trailers and Starcraft tent trailers.

If you need a motor home rental, you have come to right place! Check out our extensive list of travel trailer rentals, used recreational vehicles rentals, tent trailer rentals, and so much more Sahara RV Center is Nevada's #1 recreational vehicle dealer. We service Las Vegas, Henderson, Clark County but we can service you anywhere throughout the country as well! If you are looking for a private motor home rental, we will help you find the right RV for you.

Rental rates are for a minimum of 3 days, unless over holidays or special events. Rates also vary depending of the size of the motor home, travel trailer or tent trailer and whether it's rented during peak season or off season.

Our Super Center Parts store has over 10,000 sq ft of almost any merchandise you may need for your recreational vehicle. We have major appliances such ad refrigerators, water heaters, ACs and swamp coolers. We carry a variety of hitches, generators, solar panels, awnings, bathroom fixtures and holding tanks, just to mention a few products. And if we don't have it, we can special order it and ship it anywhere in the country.

We also take pride in the fact that we not only offer and rent the finest recreational vehicles, but we offer a wide variety of financing options for our customers as well. Our in-house financial experts have years of experience finding our customers the best loan programs available. We can help you find the perfect loan to suit your family's needs. The financing packages that we offer ensure you have access to the most competitive rates and terms available. Allow us to help you make your dream come true. Don't let the thought of financing keep you from making that dream a reality!

Our financing programs features: up to 240 month terms on new and used recreational vehicles, same day credit approvals, simple and low interest loans, competitive rates, minimal down payments, service contract available, access to numerous lending institutions, In-House financing available.

Contact Sahara RV Center Today and let us make your dreams come true Fill out one of our online Forms and reserve your recreational vehicle to begin a journey that will last you a lifetime!

Wednesday, October 3, 2012

Chapter 7 Bankruptcy And Debt Relief Qualification Facts

Chapter 7 bankruptcy is a common procedure for individuals seeking debt relief. It is a legal process that allows individuals relief from overwhelming debt based on a meeting a set criteria. Factors such as current income, amount of debt and the standings of their financial situation. Debt situations can arise and burden individuals for a number of reasons; large medical bills, overextended credit and many other reasons.

When an individual decides that their debt has become overwhelming and declares bankruptcy they can expect the entire process to take about three to six months. An individual may file bankruptcy once every eight years.

In order to file bankruptcy an individual must qualify and meet a standard of bankruptcy requirements. When individuals want to file for bankruptcy they must pass a means test first. Individuals with income less than the state median for the state in which you live for a family the comparable size as yours qualify for chapter 7 bankruptcy. Another means test is if you find yourself with an income greater than the median for the state but unable to pay one hundred dollars towards your debt for the next five years. You will not qualify for chapter 7 bankruptcies if you make more than the median income for the state in which you are filing bankruptcy for a family the same size as yours and you have the financial means to pay one hundred dollars towards your debt for the next five years. This is a good guideline to follow when looking into chapter 7 bankruptcy. Otherwise you can look into chapter 13 bankruptcy.

During a chapter 7 bankruptcy assets are liquidated and sold to alleviate some of the debt you are responsible for to your creditors. It is important to know that not all property has to be included in a chapter 7 bankruptcy some is exempt. One of these exceptions is the homestead exception. The homestead exception applies if there isn't any equity in your home. Under this circumstance you may keep the home and your current mortgage. However, the payments on the home must be brought up to date before the bankruptcy hearing.

Another exception is a vehicle exception. If the value on your vehicle is less than the remaining loan amount plus the allowed exception individuals may keep your vehicle. Otherwise if the value is more than that amount you may be able to work out a deal with the bankruptcy trustee to actually buy the equity in the car yourself instead of someone else.

The final exception is a retirement exemption. During a chapter 7 bankruptcy your retirement assets are not allowed to be counted towards your bankruptcy estate. This protects pensions, 401k, IRA and Roth IRA accounts.

When filing chapter 7 bankruptcies there are certain debts that are unforgivable. Typically trustees will not forgive debt associated with child support, federal and state taxes, HOA fees or debt accrued through student loans. Even without these loans and debts being forgiven it is possible to catch up on them when individuals have been forgiven in other areas of debt. Another reason debt would not be forgiven is if it was accrued during criminal activity or if injury or death was caused during the use of drugs and alcohol. Any debt left off or neglected to be associated with the original filing of chapter 7 bankruptcy is also not forgivable.

Sunday, September 30, 2012

Benefits Of Real Estate Business And Investment

In the domain of real estate business there is no need to be apprehensive as yet for the Americans, are still recovering from the fear of debts which had controlled their finances until recently and it is only with the help of such resources as a low interest consolidation or the best debt management programs that the citizens could finally get respite from the trap of debts. But now when the economy has started to look up from the financial void, it is time for the citizens to change their views about some of the businesses which are capable of providing better returns in the long run. Gone are those days when businesses were looked with greater awe. Though there are persistent risks which are involved with this business, it is of more worth to calculate the advantages of being involved in this business.
Let us have an overview of the same in the next few lines:
If you have been comparing an array of business opportunities lately, you will be glad to know that a real estate investment is less risky than other businesses and they are in fact quite stable provided that you have actually been able to encompass the pettiest of aspects that are related to this business, and you have taken this opportunity seriously. However the lesser risks are associated with such factors as stability in the rate of mortgage followed by the appreciating value of the land and various other socio economic issues.
There is no need to have a huge capital at least initially to start off with the business. The property can be secured by negotiating a lower amount, and some money should be kept for holding the property as a security.
A real estate investment will not tale up a hell of all your time but only if you are calculating and clear sighted about the prevailing marketing conditions at that point of time.
As far as investing in real estate is concerned leveraging still remains as the best option wherein you can invest a portion of your money and the rest can be borrowed from a bank or any other financial institution.
If you are able to select the correct geographical location, you are likely to get a high value of appreciation over a period of time.
Along with paying your mortgage debts you will be creating a home line of equity which is to imply that you will be able to approach the original price of the property without any debt.
Unlike other investments where you may lose a lot of your money for paying the tax amounts, the tax exemptions on a real estate investment is much more than any other business.
Therefore a real estate investment is the best bet for the value of a property is almost always on the rise which provides a good impetus for the growth of this business, but you have got to treat it with the necessary vigilance and the required acumen.

Tuesday, September 25, 2012

Rent To Own Real Estate - Positive Or Negative?

Banks may not be lending but rent to own homes are booming! Rent to own homes are becoming pretty commonplace, owner financing also known as seller financing is a real estate financing technique where the buyer borrows from the seller as opposed to, or in addition to a bank.

Rent to own homes are becoming a typical way to sell a property due to the fact that it is problematic to sell properties in this economic crisis. Most of these rent to own homes are fsbo, for sale by owner. Frequently, finding a real estate agent who is willing to work with rent to own homes can be difficult for buyers and sellers. Occasionally, finding rent to own homes can be kind of hard to do.

There are various ways in which rent to own homes can come about. Generally, rent to own homes are seller financed by landlords or investors that seek to enhance their financial return by offering purchase choices to their tenants in exchange for a reasonable deposit and a rental rate premium. The majority of sellers of rent to own homes are considerably reasonable when it comes to the down payment. Sellers of rent to own homes will expect you to have bumpy credit and will know how to help. Usually, these owners with rent to own homes can compete and make the best home and terms available for you. Frequently, rent to own homes are in marvelous condition, most homes are less than 5-10 years old and at bare minimum have just been renovated. Any way you look at it, rent to own homes are an immediate answer and an intelligent alternative to traditional loans.

Due to the significant initial down payment and lease payment premium that are unique to lease option contracts, rent to own homes can be considerably risky. Common lease periods for this arrangement are three years long, though longer or shorter leases for rent to own homes are not altogether unheard of. Really, rent to own homes will allow you to finally begin earning equity in a home now. Again, if you are interested in a rent to own program then you can expect to put 5-10% of the loan amount down or if are interested in buying residential real estate properties that are selling below market value then leasing or doing rent to own with tenant buyers then rent to own is for you.

Rent to own homes can be a wonderful way to buy or sell a house in the current economic environment. Rent to own homes are a certain way to increase the financial stability of a person, and help him repair his credit. Rent to own homes are long-term rental agreement that can allow a person to buy a home with minimal financial stress. Rent to own homes are a great way for people to give home ownership a shot without actually having to get a loan. The negotiation routine of rent to own homes will be different from normal home bargaining.

Rent to own homes can potentially be a great or poor deal, depending on the contract obtained at the very beginning of the agreement. Rent to own homes can help the seller still acquire some income from the home when otherwise it may be a constant drain on the seller's finances. Rent to own homes are a trial run for the tenant as they learn the responsibilities that come with the house. Individuals living in the rent to own homes will be expected to take care of the lawn as if it is their own and pay utilities. Rent to own homes are also a good way for you to build equity before you even own the home.

Rent to own homes can be found advertised online, in newspapers, or on street signs. Besides that, rent to own homes are available in almost any neighborhood or subdivision across the United States, but there could be a hidden risk to your arrangement, and the money you put up for a down payment. Commonly, rent to own homes can also be the perfect solution for those who have gone through bankruptcy, divorce or any other types of financial hardships that may prohibit them from meeting stringent requirements put fourth by banks and other lenders. Rent to own homes can essentially help you get into a house without having to go through all the hassles that are regularly involved.

Saturday, September 22, 2012

Top 4 Banks Of Singapore And Their Requirement To Open A Account

Singapore is a commercial hub, currently there are 140 commercial and 80 merchant banks.It is always advisable before opening a bank account you must browse all information , what facilities different banks offers.There are several banks in singapore such as HSBC, citibank, abn amro, dbs , Standard Chartered etc.All these banks are famous for their customer services, you can choose any of the them.

Some of the well known Singapore Banks

United Overseas (UOB) : It is one of the best bank in singapore, has branches in Malaysia, Thailand, Indonesia and China.UOB provide a lots of services such as life assurance, general insurance, corporate finance, investment banking, commercial and corporate , private , personal financial services and asset management.

Oversea Chinese Banking Corporation (OCBC) : OCBC in Singapore was formed in the year 1932 by the merged of OCBC , Chinese Commercial Bank Limited, the Ho Hong Bank Limited and the Oversea-Chinese Bank Limited. The main aim of bank is solving the financial needs of the customers for both personal and business purposes.

Development Bank of Singapore (DBS): It is one of the top bank of singapore .DBS enjoys the top most positions in consumer banking, management of assets, securities brokerage, treasury and markets, equity and debt fund raising.It is one of the leading bank in singapore and working with a aim to solve the customer problem.

Citibank: The main branch of Citibank in Singapore is located at MacDonald House in Orchard Road. It offers full bank services and shares its ATM network with HSBC, ABN AMRO, Standard Chartered and Maybank. Citibank in Singapore is a branch of Citibank N.A of the United States.

Types of bank account in Singapore
Current accounts It is used for everyday banking. It is require a minimum balance be maintained. Interest rates paid on current accounts are mainly low

Savings accounts Basically saving accounts pay a higher rate of interest than current accounts. Savings accounts require a minimum balance to be maintained

Fixed-deposit accounts This account is used for long-term saving, with interest rates offered typically higher than either current or savings accounts.

Opening a account in singapore

In order to open a bank account you require:
1. A photocopy of your passport , it act like a Identity proof.
2.Employer's letter : Bank only open account , if you are a resident or have an employment visa.
3.A recent phone bill
4.A copy of residence proof.
5.Initial Deposit : a intial deposit is required to deposit in the account.

Most of the banks of singapore works from 9.30 a.m to 3 p.m (Monday to friday)
9.30a.m to 11.30 on saturday.
Sunday closed.

What you get with your bank account

Services of accounts various from banks, and depending upon type of account you choose , you will recieve a cheque book, ATMcard and Network for Electronic Transfers.

Tuesday, September 18, 2012

Fixing my Credit Report after Bankruptcy

A blemish on your credit report, such as filing bankruptcy, can (except in special situations) stay on your credit record a maximum of ten years. But, generally after seven years you can legally have it removed from your credit report. It is the law that these derogatory marks on your credit can be removed by credit reporting agencies and the creditors that report the information.

Is it possible to fix your credit report after bankruptcy or do you have to wait the seven to ten years to pass before your credit report comes clean? There are many things you can do to start fixing your credit report after bankruptcy and one of the positive sides to filing for bankruptcy is that you are debt free. Take this time to pay cash, save for big purchases and create a budget that you are able to live with. It may take a little time and continued diligence to live within your means, especially if you are used to having a line of credit for purchasing power, but if you stay determined, you can start to re-build your credit history and your credit score rather quickly.

Even though bankruptcy can remain on your credit report for up to 10 years, its effect on your credit score can start to subside the day your case is closed - if you adopt smart credit habits such as paying your bills on time, using only a small portion of your available credit and not applying for more than one credit card. These are all aspects of rebuilding your credit score, so in the future if you want to apply for credit for your dream home or your dream vehicle, it will be possible to gain credit at a respectable interest rate.

When you are finally at the point where you can have the bankruptcy removed from your credit report, the best place to turn to for help is Credit Elves. They can provide you with the sample letters you need to contact the three major reporting agencies. The people at Credit Elves realize that each case is an individual and can provide you with the customized attention to detail that you need to get each of these agencies to remove the outdated information in a timely manner.

At Credit Elves, there are three levels of service that you can choose from. Repairing your credit has never been easier with our proven system that is every bit as successful as any credit repair agency program. You will be making the dispute on your own behalf, which is a far better choice as the credit agencies are reluctant to deal with credit repair agencies. We make it easy for you to customize your correspondence so that each credit bureau takes your request seriously and responds in a timely manner. Fixing your credit report after filing bankruptcy can be done, and the process can be a little less painful when you choose Credit Elves.

Friday, September 14, 2012

How To Find Outperforming Canadian Stocks Using Tsx Stock Screener

Many people are today looking to invest in stocks and this is due to the high returns that this venture is capable of providing. However, it is very challenging to pick the right company that you are going to invest in and at the same time the right price for a specific company's stocks. The best way of choosing the right company and the right price for a specific company's stock is to use the online stock screener that filters your results based on valuations that will only work for you. There are many options here and one of them is the Canada Stock Screener. Canadian stocks have been limited for screening until lately. There are several popular tools today that you can use for Canada and one of the most popular ones is the TSX stock screener.

This service is new in the market and even though it is not the most powerful stock screener it is quite powerful especially for Canadian exchanges. TSX stock screener is completely free and it also allows you to conduct multiple custom criteria even if you are an advanced investor. It also allows you to edit columns on the results page so as to display different criteria that you may be looking for. Toronto Stock Exchange denoted as TSX or formerly TSE is Canada's largest stock exchange, the third largest in the continent of North America and the seventh largest in the world in terms of market capitalization.

This stock exchange is based in Toronto which is the largest city in Canada and it is owned and operated as a TSX group subsidiary for trading of senior equities. Toronto Stock Exchange has a representation of various businesses from Canada, the United States as well as other countries from Europe and other parts of the world. Many people have tried the TSX stock screener and profited from it. Apart from conventional securities, Toronto Stock Exchange also lists investment funds, income trusts, split share corporations and exchange traded funds. This stock exchange is also the leader in various sectors most notably the mining and oil & gas sector since there are more companies listed in this exchange from this sector.

There are several ways in which you can find the outperforming Canadian stocks. The Canada Stock Screener has a wide variety of fundamental and technical criteria that will help you to build a custom screen. Other notable tools include Globe Investor, Stock charts for people who use technical analysis of stock charts, Google Finance, Yahoo Finance, MSN and Finviz which offers technical and fundamental choices on the screen. Using one of the above mentioned tools will enable you find the outperforming stocks in the Canadian market.

Monday, September 10, 2012

Florida Discount Real Estate Brokers & Agent Services

As many people know, there has never been a better time to buy property in the Florida area. For as far back as any one can remember; the price of property has continued to rise over time. This means that even if property prices do not do well for a year or two; then they are bound to pick up and continue to appreciate far beyond what they were before. This is why investing in property, either as a business or as a home to live in, is the best way to put your money to work for you.

When it comes to the time that you wish to put your money to work for you, there will usually be more than one choice that you will be able to explore. There will be houses that are more expensive, houses that you will be able to settle with, and houses that are much different than anything you had ever considered living in before. At this time, we rely on real estate agents and real estate agent service providers to help. When it comes to choosing which real estate agent is right for you, many factors are often considered by buyers...

Experience how experienced are the company at providing real estate agent services? Have they worked with anyone you know, how long have they been in business?

Price When it comes to choosing any form of service provider or retailer, a competent buyer will always be concerned about price. That is why it should be no different when you are choosing between Florida real estate brokers.

Location It is much better to work with a real estate broker who is close by, because they will be more likely to have access to deals in your area. This will also mean that they will have a much better idea about the intricacies involved with the real estate market in your area such as Florida for example.

Although you may have difficulty judging the experience, and likely competence, of a Florida real estate agent by simply speaking around, you can be sure that you will be able to work out who is the cheapest. When you are the person who is buying the home, you may find that you do not have to splash out any money at all especially if you are the buyer. That is why, you can really get a good deal if you look around until you find a Florida discount real estate agent. If you are buying a new home, the best way to get a cheap deal on real estate is to look for a company that offers rebates. This means that the company will give you a percentage back on the value of the property when you buy a new home. For some people, this can work out as much as 2% of the value of the property, and can mean that you, as a real estate buyer, save big.

Sunday, September 2, 2012

Discover the Greatest Secret of Foreclosure - Overage

Possibly one of the best kept secrets in the foreclosure industry is "overage". Overage is the amount of money left over after a foreclosure auction when the buyer has paid more than the lender's final judgment. This money can be as little as a few dollars or as much as millions of dollars.

Depending on which state the homeowner lives in, his foreclosure sale will be conducted by a sheriff, a trustee, or a county clerk of the court. As prescribed by law, the person in charge of the auction will sell the property to the public with "open outcry bidding" until the property is sold or redeemed by the lender. The location is usually on the courthouse steps or similar convenient place that is readily accessible to the public.

Normally the first bid on a property is by the primary lender who bids his final judgment amount as awarded by the county court plus 0. The next bid will come from an interested party to the property such as a junior lien holder or an investor who believes there is equity in the property. These bids will continue until the last bid, which wins the property.

Let's assume the final judgment on a property is 0,000 and the bank bids 0,100 and some bystanders start bidding until the final bid is 0,000. The lender submits his final judgment documents to the county clerk and the winning bidder must bring in cash anywhere from the same day to 30 days later, depending on state and county laws. Once the funds are in the courthouse and any redemption period has passed the lender gets his 0,000 and the buyer gets a deed to his property. A redemption period is a specific period of time from 1 day to 454 days, where the foreclosed homeowner can return with money to get his property back if he pays the buyer his costs plus fees and expenses. In some states there is no redemption period.

The clerk of the court has taken in 0,000 plus some transfer fees and paid out 0,000 and has a ,000 credit in his bank account. The homeowner is entitled to this "overage" money. The homeowner has to make a claim to the county clerk and the court usually reviews these claims and awards the homeowner his money. This is an ideal world scenario, but in the real world, the homeowner may not know he has money coming to him and these funds eventually become the county's money.

Here is what has happened - a homeowner is approached by a person one or two days before the foreclosure sale and is offered 0 for a deed to his home. If the homeowner knows he can't stop his foreclosure sale and redemption is not possible, he views the 0 as free money. The buyer pays 0 and proceeds to go to the auction and perhaps even puts in a bid or two to get the price higher. If he won by accident, he can renege on the bid and it reverts to the last bidder. Let's look at the above example where the overage was ,000, which is a very common amount. The "new" homeowner makes claim to the court and his 0 investment becomes ,000.

Thursday, August 30, 2012

Gmac Loan Modification Calculator Find Out Your New Monthly Payment

If you need a GMAC loan modification, you might want to check out a website and see if you qualify. They have a loan modification calculator that will tell you if you qualify and what your new payment would be once approved.

This calculator is based off Obama's HAM program. It caps your monthly mortgage payment at 31% of your net monthly income. This is accomplished by lowering your interest rate to as low as 2%, extending the terms of your loan and reducing your principal balance. It goes in this order, so usually the payment cap is met before a reduction of principal is necessary.

This is an amazing program for those who qualify. The problem is, less than 300,000 homeowners have received a loan modification under these guidelines out of the millions and millions of homeowners who are in desperate need of one.

Some homeowners call the lenders themselves and some of them even received notices in the mail from their lender saying they were qualified. Once they get on the phone, they soon realize they are denied and are left scratching their heads!

The main reason for this is usually the financial ratios homeowners are giving their lender. You can't just call your lender without working out your financials first! They will ask you a series of questions and if you do not anwer them correctly, you will be denied for sure. You cannot make too much money or too little either. Your income to expenses have to be just right to get approved for this plan.

Don't worry, there is help available. Try out the calculator and see if you qualify and what your payment will be. If you want help to get that payment, just fill out the form for a free consultation if you'd like. They will be able to give you a free consultation and tell you how they can help you get approved. There are no upfront fees.

To see if you qualify for a GMAC loan modification, just visit the following links.

Monday, August 27, 2012

Know The Ins And Outs Of Home Equity Loans Fixed Rate

The wold is in a monetary crises. The credit crunch is affecting the normal family hard, as regular everyday items have gone up in price. Because of the current world financial situation most home owners are turning to home equity loans fixed rate to help with the extra financial burden.

It is difficult for a lot of home owners to decide which home equity loans fixed rate is right for them when it comes to the interest rates charged . In this article we will shine a light on fixed interest.

The name gives it away, fixed interest rates are what they are. The rate is fixed at the time of the loan and will remain constant throughout the life of the loan. Flexible interest loan will fluctuate according to the current market conditions.

One of the clear advantages that a fixed interest rate has over a mortgage solution with an adjustable rate is that no matter how erratic that our financial system becomes the monthly payment will remain the unchanged. It is this characteristic that appeals to a lot of homeowners who are searching to access the equity value of their home. It is much better to plan a home budget when costs remain constant. With an flexible rate equity loan a payment that may have been quite workable at the time of the loan could be a home budget breaker if the prime interest rate begins to rise.

Whilst fixed rate home equity loans have clear advantages they do suffer from disadvantages as well and are as much a two edged sword as their flexible rate cousins. For example, if at the time you initially acquired a loan the interest rate was 7.5 % a fixed rate would be great, provided that the prime rate was anticipated to rise. Nonetheless if a few years down the road the prime interest rate takes a nose dive to say 4.5% you will still be locked in at the original percentage. In this example you would have to refinance the property to get into the lower rate.

Fixed interest rate loan is the favored option for most home owners as the monthly repayments stay static and it is easier to manage. There will be no surprises in the way of raised mortgage payments should the prime interest rate rise suddenly.

When thinking about a home equity loan you should always consult a financial advisor. They will be able to help you determine which type of interest rate best fits your situation and the economic climate. If you are the adventerous type then an adaptable rate might be more your style, if on the other hand you like your life and finances to be steady, constant, and predictable fixed interest is most probably the best bet.

This article has prepared you with a greater understanding of fixed interest rates and home equity loans fixed rate so you are well placed to discuss the options with your financial advisor.

Tuesday, August 21, 2012

A Few Top Arguments Why Audi Leasing Is The Best Selling Selection Of Vehicle Leasing

Even years before, Audi car lease is one well-known option and a lot of individuals have wondered about this thing. Audi is obviously one of the car manufacturers offering a large variety of models for car leasing. Audi represents quality brand and because of the different options available, who would hesitate to opt for an Audi lease? In this manner, you can acquire the car of your dream in the best deal provided by the Audi car company. Take a look at some of these great reasons why Audi lease is getting well-known.Soon, you will be a happy owner of an Audi vehicle if you can get the best deal for it.

Audi lease offers a fantastic deal for car buyers. Any car shopper definitely understands the difference between buying a car and leasing a car. Obviously, when it comes to buying a car, the payment is made in an instant prior to the release of the car from the showroom. However, when you lease a car, you can pay in small fixed payments per month while you get to enjoy the benefits of driving a car. Moreover, what makes the Audi lease unique is not just the quality of the machines but also the wide array of model choices on the lease market.

Why is Audi preferred by a lot of people? One good reason for this is that the German auto manufacturers such as the Audi are well-known for making one of the top quality car brands in the world. Every Audi design is completely built with the top quality and latest car advancement and they are always enhanced to have the finest safety features. When it comes to luxury, Audi also represents style and excellence in the motor industry. This is why this is a preferred brand among many buyers and for the constant traveler who need to lease. When you are looking for comfort, Audi can surely provide that.

Audi includes an in-house finance company. By this, the car dealer could have an internal arrangement and provide the most attractive deal possible. The Audi lease options come in a wide range of options from SUVs to crossovers to wagons. Currently, you can select among these options: Q7, Q5, RS4, TT, TTS, A4, A3, A6, A8, S6, S8 and S4. All of these choices can be leased for a term of 36 months, 24 months or 42 months. Since most buyers are concerned with price, Audi offers a fantastic Audi lease pricing.You could possibly discuss the buying price of the automobile independently from the month-to-month car leasing repayment. You will get an incredible deal if you try to approach it this way. But, you also have to be aware of the many usual fees like the dealer's fees and turn-in fee.

You will not only get an excellent Audi lease for the car you choose, but Audi provides support and may help you with any requirement for your car.Audi also provides small services such as collection and deliver, dedicated customer support, MOT servicing, effective service on site, delivery and collection, etc and these are also the things that make Audi an excellent option when it comes car lease. Audi is the leader in the motor industry when talking of car leasing and obtaining great offerings.

Friday, August 17, 2012

Can You Pay Back A Short Term Loan After Christmas?

It's a time of year when we can all get a little trigger happy with the credit card and dig deep into financial reserves. In fact, for some, Christmas is enough to push them into the red, which means finding extra finances elsewhere. There are a number of borrowing options available; increasingly though, many are turning to short term loans to achieve a quick fix. But can you pay a short term loan after Christmas?

Well, a lot will depend on two very important factors:

1) When you apply for the loan
2) Which lender you choose to borrow from

The reason for this is very simple; most payday loan companies won't allow you to go beyond four weeks or 30 days. Therefore, if you're applying in November the loan will need to be repaid during December.

Some companies will allow for longer borrowing periods though, notably those who charge a daily rate of interest. However, this isn't available everywhere. So if you know you need more than a month to get your finances in order, you'll need to find a short term loan provider who can accommodate your requirements.

One way around this is to simply repay the short term loan in December and then re-apply in the same month if your funds begin to dwindle again. However, this isn't recommended, particularly if you are likely to become reliant on borrowing more and more to cover your debt. If you do your sums though and will be able to cover the full amount in January, then you shouldn't suffer any long-term ill effect from the loan.

The reason for this warning is that short term loans are a more expensive option than the usual personal loan. Whilst the cost isn't huge if you only borrow a small amount and repay it on time, it can quickly add up if you do become reliant on borrowing across multiple consecutive months.

For instance, you might pay 100 to borrow 400, based on a 25% rate of interest. Now if you were to do this once, or even a couple of times, it wouldn't have a major impact on your finances. However, should you get into more difficulties and continue to borrow the same amount, or even more, then these costs can quickly spiral, leaving you with a major legacy of debt. So it is vitally important that you evaluate your situation, the options available to you and the long-term impact of any borrowing that you do undertake.

The great thing about short-term loans is that they are widely available. You won't get stuck waiting for a decision and you won't need a spotless credit history to be accepted. Therefore if you're in a real financial quandary and your options appear limited, it is a potential solution. This is especially true around Christmas time when expectations and spending are often at their highest.

If you end up unable to buy presents, decorations or the trimmings for your Christmas dinner, you can quickly ruin what should be the best time of the year. This doesn't mean that you have to go mad, buying top price turkey, tinsel and toys for the kids, but an awareness of your financial position, how much you can afford and where you can borrow from should the worst happen is certainly recommended.

As such, you can very easily repay your payday loan after Christmas is done and dusted. This will give you time to enjoy the whole festive period and bridge your overall costs into the New Year.

Tuesday, August 14, 2012

Six Nightmare Tenants To Look Out For

Our aim here is to identify the 6 worst types of tenants and give some advice on how to avoid the exposure in this market place. The buy to let market is currently on the rebound as there are not enough properties for people to buy that are affordable or they cannot get a mortgage in the first place. In August 2010 the National Landlords Association reported that 43% of landlords in the UK, where owed rent by their tenants, that's 400,000 UK landlords potentially struggling to repay their commercial mortgages. Bad tenants are part of this complex investment strategy, the buy to let market until recently hit the wall, but in recent months landlords are receiving higher rents than before due to the influx of new tenants.

The Socialites: Commonly known as the party animals, these are the most common type of tenant due to the demand for accommodation near universities. These types of tenant are most probably the hardest to identify when meeting with them for the first time, they have no track record in the market place as normally are living at home with mum and dad whilst doing their A levels. You as a landlord are responsible for the levels of noise that this type of tenant could make, so make sure that when you are discussing terms with them they understand that the renewal of the tenancy agreement is dependant on them behaving in an adult like manner whilst staying in your property. Let them know that they will be getting a 6 months tenancy agreement and if they do look after your property you would consider extending for a further period. As they do not have a great track record ask their parents if they would guarantee the rent and damages, as you can do a reference check on them, but trying to do one on the students will be nearly impossible.

The Professional Bad Tenant: Tenants of these types have only emerged recently within the UK, they will move from one property to another to exploit the legal system in this country. The landlord should start to get wary of this situation when these types of tenants fail to pay their rent on time, what they will be trying to do is live in this property for say a period of 3 months or more then look at moving onto another property in the meantime. The one thing they will try and do is strip the property bare, by removing things like, radiators, carpets, floorboards and even kitchens. By the time the landlord has a chance to visit the property these type of tenant have fled the scene. So what does this mean to the landlord? Well he can look at taking them to get and getting a County Court Judgement (CCJ) put against them, but the chances are they will not get anything back as they do not have any money, so the landlord has to way up whether or not he wishes to pursue this course of action, if he does not then these types of tenant walk away scot free with no black mark against them. The landlord should use a management company to get references on these tenants for a small fee; the tenants would not normally be allowed to move into the property until all references are checked.

The Late Payers: Landlords hate this term because it will put them in jeopardy of losing their property unless they have sufficient capital in the background. Tenants of this type can be the most difficult to pay on time, they come up with excuse after excuse, now there could be a legitimate reason for a one off missed payment but the landlord will have to keep an eye on this situation as before he knows it 6 months could have passed and it could take time to evict these tenants. Landlords have to put there case before the courts for them to make a ruling on an eviction notice.

The animal lovers: In August 2010 ITV's Tonight programme exposed the worst tenants, and from this programme landlords are becoming increasingly more wary of renting their properties out to tenants with pets. This programme exposed a tenant that had racing pigeons as pets in the landlords home, by the time the landlord had got around to inspect his property the tenant had fled and left pigeon faeces and feathers all over the property, at his own cost he has had to get a professional cleaning company. This shows that landlords are airing caution on tenants that have pets. What will stop a tenant from brining a pet into the home once they have moved in? Nothing really, but the landlord can arrange to visit the property a certain times throughout the year, this can be done through the management company or the landlord direct, but the tenant does have to be informed of when the visit is likely to take place. There will always be signs of pets in and around the home, from faeces in the garden, pet food wrappers in the bins, the smell within the house, just be aware.

The extended family: This happens when a potential tenant arranges to meet with the landlord either on their own or with their partner, the landlord is happy with the arrangement he has made with them and all the due diligence is done. All of a sudden neighbours in the surrounding area notice different people entering the property but not leaving, their cars are parked on the drive overnight for example. You as the landlord start to get the jitters as something is not quite right, what emerges from this is that you have done you own research and you have found out that the tenant has allowed family and friends to stay at the property, which as a result your property is starting to show signs of more than normal wear and tear.

The bureaucrats: Landlord has met with the potential new tenants of the property they seem very enthusiastic about how they will look after the property to avoid any unnecessary costs they will be charged when they leave. However all tenants will expect to receive their full deposit back from the Deposit Protection Service when they leave as they thought the property was in better shape than when they took it over. This can cause unnecessary trouble unless both parties agree to a tenancy agreement and an inventory check list, this will ensure that both parties are legally covered and will put you on the right footing when you decide to leave.

How to avoid the nightmare tenant? Here is some great advice to follow, when looking to rent out to a potential new tenant. Make sure that you meet prospective new tenant at their existing property, this will give you piece of mind if the property they are currently renting or selling is of a high standard within. Make some mental notes of what they are saying to you about their lifestyle, it may be that they have young children, so they would be more mature status, it may be that they enjoy going out a lot, i.e. nightclubs etc, would you want this sort of tenant? Ensure you get details of their employment and existing landlord; they may have just sold a property and are moving into rented accommodation until the market picks up, do not let them move into your property until all the references are back and you are happy with them, it maybe that they do not have a credit rating as they do not have any credit on file, so ask for a guarantor, at least the rent will be guaranteed to be paid and the last thing on the list is go and get some form of rental insurance policy just in case.

Here is some important contact information that may also be of use:Landlord Action - This is a UK based organization which is designed to help property professionals and landlords deal with problem tenants.The Rent Assessment Committee (RAC) - An independent legal body that offers ways of settling rent disputes without going to courtLandlord Accreditation Schemes - Voluntary schemes which are designed to help landlord to operate a successful business, provide tenants with safer, higher-quality accommodation and reduce the need for intervention from local authorities.

All professional landlords will know that during the course of letting out their property, there will be some form of natural wear and tear, always keep and up to date inventory, you will be able from that point on establish basic wear and tear to more serious damage. Finally and most importantly keep in regular contact with the management company who let and manage the property for you as these are your backbone in this advancing market place.

Saturday, August 11, 2012

Accounting Assignment: - Accounting Is That The Main Subject Of Commerce Stream.

Accounting is measured as a crucial subject of all students as a result of all firms all students got to realize accounting subjects. This makes a foundation for all users, currently we've to grasp regarding the commerce and therefore the importance of those subjects.

And it's the sensible subject than different subjects it needs heap of efforts and accuracy. Most of the scholars all right realize the account and its uses. Some students belong to business category family in order that already realize the importance of accounting. They'll even help themselves through the Accounting Assignment help. Each one and each one has eagerness to grasp regarding their profit and loss, thus this can be most fascinating subject. Currently each day each student is creating an inspiration to try and do accounting studies, and it's a compulsory subject for all people who needs to try and do CA. and MBA BBA conjointly.

So they choose tutor and training categories as a result of it offers especial care and teaching to their students and each student will afford tutor and training categories even take a look at themselves by theAssignment help. however your time tutor can' help to each students after they want help tutor can't reach everywhere and each time and that they are person they suffer from diligence in order that is man negative purpose of tutor. That's why students are going for e-classes, on-line looking out, and on-line doubt clearing categories where all the scholars who have doubt they'll clear on to their teacher and professors. Its obtainable each day and each night thus we will use after we want some notes and materials.

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Sunday, August 5, 2012

Using an 80 20 Mortgage to Avoid Mortgage Insurance

An 80 20 mortgage is also called a zero down loan or no money down loan. It is actually two loans, a regular home mortgage which constitutes 80% of the price of the home and a second mortgage or home equity loan that consists of 20% of the cost of the house. The idea behind this type of loan is avoiding mortgage insurance (PMI) by using the home equity loan as the down payment.

Just about all mortgages require some form of mortgage insurance if you are unable to make a down payment of at least 20 percent. By obtaining a second mortgage or home equity loan for 20 percent of the homes cost you can circumnavigate this requirement by using that second loan as the down payment.

There are variations of this type of mortgage such as an 80-15-5 loan. This means that the borrower got a main mortgage of 80 percent of a home's purchase price, a piggyback loan for 15 percent, and made a 5-percent down payment. This can be a good option if you have some money for a down payment but not enough to cover the entire 20%.

The second mortgage can either be a fixed second mortgage or it can be a line of credit. If it is a fixed second mortgage then the interest rate is normally fixed for the entire length of the mortgage. Most fixed second mortgages are a 30 due in 15 which means that the second mortgage is amortized over 30 years, but is due in 15 years. The benefit of going with the line of credit as the second mortgage is that the interest rate is normally much lower than the fixed second mortgages rate. They can also be an interest only loan which could save you hundreds of dollars in mortgage payments every month.

The 80 percent first mortgage can be a fixed-rate (15-year or 30-year), adjustable-rate (usually 5/1, 7/1 or 10/1fixed period ARM) or interest-only loan. Typically, the interest rate on the second mortgage loan is higher than the interest rate of the first loan. But because the borrower doesn't have to pay mortgage insurance, the overall cost is less than a traditional mortgage even with the higher mortgage interest rate on the second loan.

Plenty of mortgage programs allow borrowers to buy houses with little or no money down, but they usually require private mortgage insurance, or PMI. Getting an 80 20 mortgage can be a good way to avoid the extra cost that PMI will add to your monthly payments.

Wednesday, August 1, 2012

Visa Credit Card Fits All Your Needs

It is a well known fact that credit card business are booming and it is highly profitable for the various credit card issuers. That's the main reason why there is such a stiff competition in the credit market.
Sometimes we find it confusing to choose between so many credit card offers. Which of the major card issuers gives the best offer? As there are so many different credit card offers it is getting rather difficult to choose the best plastic that could meet your lifestyle and spending habits. If you have any questions concerning credit card offers, you can always get online credit card feedback.
I'd like to draw your attention to visa credit cards because Visa credit cards best fit your needs. Visa is famous for its valuable products, high quality service, and good customer support worldwide. It involves widespread acceptance, great benefits, and ease of use.
Nowadays, there are hundreds of visa credit card offers available in market. Visa is one of the most popular credit card companies all over the world. Visa belongs to the world's giant networks and plays the major role of the credit market.
Mainly for the reason of the global acceptance and services the company provides, cardholders prefer Visa to Discover and AMEX. Cardholders keep on proving their greater trust and respect towards Visa.
There are hundreds of visa credit card offers available in market. It is very important to know what features your credit card provides as there are a great number of options in the credit card market. Let us see Visa main benefits and some specific offers.
First of all, find out if there is an annual fee and how much it is. It usually varies from to 0. The fee depends on the type of a plastic you choose.
You should also find out if there is a balance transfer fee that is the other type of fees that the company charges.
A cash advance fee is charged for cash advances which is a percentage of the cash withdrawal made. That's important to know because many credit companies don't allow any grace period for cash advances. The interest is normally charged from the day of the cash advance.
There are three main types of credit cards: silver, gold or platinum. As a matter of fact, the credit limit depends on a credit card type you choose. The type of plastic offered depends on your income level.
In fact, credit cards with higher credit limits have higher fees but also come with additional features such as discounts on purchases, money back on frequent use, accident insurance and etc.
The Visa credit card company can provide you with a variety of great credit card options. Its offers include a great number of credit and debit cards for consumers and businesses.
Compare most popular Visa credit card offers and apply online. Read carefully all the terms and conditions before filling out an application form. Once you have found a card you are interested in, do not hesitate and let it make your dreams come true.

Monday, July 30, 2012

Chapter 7 Bankruptcy And Debt Relief Qualification Facts

Chapter 7 bankruptcy is a common procedure for individuals seeking debt relief. It is a legal process that allows individuals relief from overwhelming debt based on a meeting a set criteria. Factors such as current income, amount of debt and the standings of their financial situation. Debt situations can arise and burden individuals for a number of reasons; large medical bills, overextended credit and many other reasons.

When an individual decides that their debt has become overwhelming and declares bankruptcy they can expect the entire process to take about three to six months. An individual may file bankruptcy once every eight years.

In order to file bankruptcy an individual must qualify and meet a standard of bankruptcy requirements. When individuals want to file for bankruptcy they must pass a means test first. Individuals with income less than the state median for the state in which you live for a family the comparable size as yours qualify for chapter 7 bankruptcy. Another means test is if you find yourself with an income greater than the median for the state but unable to pay one hundred dollars towards your debt for the next five years. You will not qualify for chapter 7 bankruptcies if you make more than the median income for the state in which you are filing bankruptcy for a family the same size as yours and you have the financial means to pay one hundred dollars towards your debt for the next five years. This is a good guideline to follow when looking into chapter 7 bankruptcy. Otherwise you can look into chapter 13 bankruptcy.

During a chapter 7 bankruptcy assets are liquidated and sold to alleviate some of the debt you are responsible for to your creditors. It is important to know that not all property has to be included in a chapter 7 bankruptcy some is exempt. One of these exceptions is the homestead exception. The homestead exception applies if there isn't any equity in your home. Under this circumstance you may keep the home and your current mortgage. However, the payments on the home must be brought up to date before the bankruptcy hearing.

Another exception is a vehicle exception. If the value on your vehicle is less than the remaining loan amount plus the allowed exception individuals may keep your vehicle. Otherwise if the value is more than that amount you may be able to work out a deal with the bankruptcy trustee to actually buy the equity in the car yourself instead of someone else.

The final exception is a retirement exemption. During a chapter 7 bankruptcy your retirement assets are not allowed to be counted towards your bankruptcy estate. This protects pensions, 401k, IRA and Roth IRA accounts.

When filing chapter 7 bankruptcies there are certain debts that are unforgivable. Typically trustees will not forgive debt associated with child support, federal and state taxes, HOA fees or debt accrued through student loans. Even without these loans and debts being forgiven it is possible to catch up on them when individuals have been forgiven in other areas of debt. Another reason debt would not be forgiven is if it was accrued during criminal activity or if injury or death was caused during the use of drugs and alcohol. Any debt left off or neglected to be associated with the original filing of chapter 7 bankruptcy is also not forgivable.

Home Loans With Bad Credit: Know Some Basics And They Can Be Yours

For some of us, getting that dream home is a principal goal in life. Sadly, getting the home loan needed to secure that dream home is not easy, especially when we have a low credit rating. But home loans with bad credit are actually approved every day.

Of course, there is criteria that must be met before any loan application, never mind a home loan worth hundreds of thousands of dollars, can be approved. But to get mortgage loan approval with low credit scores is not so crazy a concept. It does not even require huge sacrifices, though some compromises may have to be made.

An applicant can improve his or her chances of getting their application approved if they have everything in order. Understandably, there is no such thing as a guaranteed home loan despite bad credit, but certainly the chances of success is increased.

The reason for this is that lenders look at a number of other aspects too, not just the credit score that an applicant has. If this is in order then the chances of making a successful application are greater.

Never Underestimate the Down Payment

One of the key aspects to an application for a home loan, with bad credit a factor or not, is the down payment. The reasoning behind this is that the larger the down payment, the lower the actual amount needed to borrow is.

What is more, the larger the down payment, the greater effort has been put into saving the sum, which shows the kind of discipline that lenders like to see.

Believe it or not, applicants with an excellent credit history can fail on the grounds that their down payment is insufficient, whereas mortgage loan approval with low credit scores can succeed. This is one factor that needs to be taken note of if an applicant is to get as close to a guaranteed home loan despite bad credit as they can.

Look Beyond The Now

A common mistake made by applicants is to concentrate their attention on the budget that they have now. While this seems logical, the fact is that a home loan with bad credit can only be approved if projections are favorable.

For example, if a couple is buying home now, their income of ,000 per month can comfortably cover the home loan repayments. However, as soon as they start a family, the added costs of kids, medical bills, education and a myriad of other expenses, changes things considerably.

With this in mind mortgage loan approval with low credit scores needs to see beyond the current situation. And while nothing is guaranteed, home loans despite bad credit can be secured if a more conservative projection is made.

Shopping Around Leads to the Best Deals

It is an accepted rule of the consumer world that the more a person shops around, the more likely it is they will find the best deal. It is the same for home loans with bad credit. While so many mainstream lenders, like banks, offer poor terms and high interest rates to applicants with low credit scores, there are alternatives that offer better terms.

Not least amongst them are online lenders, and anyone hunting for mortgage loan approval with low credit scores can compare literally hundreds of rates, offers and terms within minutes thanks to the power of internet search engines.

As has already been stated, there is no such thing as a guaranteed home loan despite bad credit, but with lower interest rates and better loan terms, the ability to secure the thumbs up is more likely from an online lender than a traditional one. Still, be sure to look at all your options before signing up to a home loan with bad credit.

Fully Integrated Accounting Software

We all know that keeping our different IT systems in sync with each other can be a constant battle. In particular, the finance or accounting system is the most reliant on information from other systems, whether it be HR, payroll or CRM. Despite this, many organisations are put off by full integration and go through the tedious process of re-keying data from one system to the core accounting platform. However, these methods have many drawbacks compared with true integration that delivers automated updating of information between systems in real-time.

Here are some of the benefits you could be missing out on.

Reduced accounting administration
With a fully integrated accounting system, you can save hundreds of hours spent copying data from one place to another. This isn't the only problem; staff need the discipline to remember to copy data across systems, it also takes a huge amount of time in re-keying, formatting and checking. It makes far more sense to enter the data once and let technology take care of the rest. With modern integration methods there's no need to worry about varying file formats; you can simply use what are known as feeders' to monitor activity in one application and ensure it is replicated in the core accounting software system.

Elimination of accounting errors
If you have a number of different people manually moving data, then it will inevitably result in multiple errors, duplication of records or even lost information. Through integration you can side-step the middle ground' where mistakes occur, making your finance data more up to date and reliable.

Quicker billing
Once your data starts being automatically updated in real-time, you can then prepare invoicing as soon as a product or service has been sold or delivered. Not only can you get the bills out faster, you can also be confident that the figures are accurate. Taking into account all the latest information from every department also means that no sales are overlooked and you bill for everything you sell.

Better credit control
Knowing who owes what and when can be crucial if you want to maximise your cash flow and chase outstanding debtors. By integrating your accounting software with other systems such as CRM or stock, you can create high level reports allowing managers or even account managers to spot customers that may be in trouble or identify those that should be given shorter or longer credit terms. Furthermore, if you use cloud accounting software, you can then access this information wherever you are.

Improved budgeting
If all your departmental managers have up to date information on expenditure then there are no excuses for over-spending. Having budgets that are always current means that both managers and finance professionals can keep a closer eye on purchasing, resulting in improved cash-flow and more effective future planning.

More accurate reporting and informed finance management decisions
An end of month report by its definition is out of date by the time it is compiled. Why not rely on daily reporting that can be created by managers themselves? With fully integrated accounting software, it is now possible to allow department heads and/or budget holders to see summary information, at a glance, on a range of subjects knowing that the facts and figures are based on information that has been gathered in real-time.

The business environment is more fragile than ever, so senior managers want the reassurance of knowing exactly what is happening in the business. By Having the most up to date financial data you can spot a problem with dwindling sales, outstanding debtors, soaring expenses or even a new sales opportunity, and take action before it is too late. This is made even more convenient through the use of online accounting software which can be accessed from anywhere in the world.

Save on IT costs
When older software systems become difficult to extract data from, it may be tempting just to replace them. However, rather than write off the investment, integration tools are capable of monitoring all types of third party applications regardless of the operating systems involved.

Saturday, July 28, 2012

Advantages of Commercial Lawsuit Loan - Business Lawsuit Funding

Business or commercial world is not a perfect one. There can be a dispute or controversy in day to day business transactions. Commercial transactions can give rise to commercial disputes. Every business dispute, however minor it may look like, has the potential to become an expensive lawsuit.

Commercial disputes often turn into litigation, and the victim party takes the help of an expert commercial litigation attorney and turn to the courts for resolution of the dispute.

Ideally you should hire an expert attorney on a contingency fee arrangement. So that, you do not have to pay your attorney unless you win or settle the case (however, a client may be charged for court costs and expenses). Contingency fee also provides a powerful motivation to the attorney to work diligently on the client case.

As you know commercial litigation takes long time to resolve & can be daunting. Litigation time can be worrisome for most of plaintiff business people. The stakes are high and future of your business may be uncertain. The financial, commercial and personal risk is always significant with the outcome, often making or breaking the plaintiff and his or her business.

Cash flow for plaintiffs involved in commercial lawsuit is critical to maintain and their financial stability is at great risk. Most of the times, expenses related to the litigation can drain the personal and business financial assets. Investors also pull away their financing because of the uncertainty of the outcome of your lawsuit. Your customers also do not take it kindly. In short, its effects are overwhelming.

Many plaintiffs businesses in this situation have no other choice but to accept a low settlement for a case that could be worth hundreds of thousands & millions.

But there is a silver lining in the dark clouds. Most of plaintiffs involved in commercial lawsuits do not realize they can get cash advance before their lawsuit case settles. This is called as commercial lawsuit funding and some times referred as commercial lawsuit loan, commercial legal finance, business litigation loan, and business lawsuit settlement cash advance. But these are not loans because the money does not have to be paid back unless the case is won or settled.

Commercial or business lawsuit funding or legal finance is non- recourse lawsuit loan or cash advance. It carries no risk because plaintiffs owe nothing if they lose the case. Lawsuit pre-settlement funding programs provide them with immediate cash to give them and their attorney time to negotiate a larger cash settlement!

Commercial lawsuit funding allows a plaintiff involved in a business or commercial lawsuit to leverage the expected settlement from his or her case to obtain the capital required now. The advantages of using commercial litigation funding are multifold.
Most important of these are:

1. When you apply for a commercial lawsuit funding or lawsuit loan from a reputed company, there is no application fee or any upfront fees involved. Also, if you are approved for funding, you are still not obligated to accept the advance.

2. It helps to maintain financial stability in cases where commercial lawsuit is impacting your firm cash flow.

3. Business lawsuit loan is based on the strength of lawsuit and how the plaintiff spends it, is unrestricted. You can use the funds:

(a) To pay down debt, maintain or invest in your business expansion,

(b) Use the cash advance for fixed and variable costs such as payroll and operating expenses. Funds can also be used to invest in the expansion of your business, which maintains the confidence of creditors, investors, and employees,

(c) Keep your personal finance and obligations in balance.

4. Commercial lawsuit loan is non-recourse so there is no risk involved. Plaintiff firm is liable for repayment only if they receive a settlement or they win at trial.

5. Amount available for commercial lawsuit funding is virtually limitless from ,000 to well over million on a single case.

Most of commercial lawsuit cases that can qualify for lawsuit funding include, but are not limited to:

a. Fraud
b. Breach of Contract or Contract disputes
c. Real-Estate disputes
d. Conversion
e. Copyright claims
f. Environmental Litigation
g. Patent or Copyright infringement & other Intellectual Property
h. Securities Fraud & Shareholder Litigation
i. Consumer Fraud litigation
j. Negligence
k. Civil Conspiracy etc.

A lot of plaintiffs businesses are being forced to settle their commercial lawsuits early, for way less than they deserve because they simply can not afford to wait any longer due to their financial limitations. But with the help of lawsuit loan or legal finance, they do not need to settle for less than their case is worth.

Selling Cars And Basic Car Salesman Tips

Sometimes you will see an experienced veteran car salesman hit a sales slump that they just can't shake or a new car salesman hit a slump and they don't know why. When the new salesman came out of their car sales training they followed their training instructions to the letter and started making car deals right and left. Same thing with the veteran, they have been selling cars for years.

Both the new car salesman and the car sales veteran from time to time will find themselves in a car sales slump. They start getting bored with the same routine they start to think that they can shortcut the steps of their auto sales training and save some time. They are choosing the fresh ups they take by looking and sizing up their customers. Their sales start slipping and their closing ratios are taking a nose dive. It is often called getting to smart for their own good. Instead of following the lessons of their training and prior experience they are changing the selling system. There are 3 car salesman tips below that need to be followed in order to build a good foundation to sell cars.

#1 Basic Car Salesman Tip: Cherry Picking Ups

The practice of cherry picking is when the car salesman that thinks they can determine the credit status or buying likelihood potential of a customer by looking at them. Then they will decide if they are going to wait on that customer or let another salesman help them. The downside of cherry picking is that customers will often dress down and intentionally try to look less desirable as a defense strategy. They want the salesman to think they that they don't have money or credit so that they won't be pressured. I have seen many sales people miss out on very nice commissions by cherry picking. The moral of this car salesman tip is that you can't pick out the buyers and the lookers by looking at them. The more people you help the more you will sell; it's all about the numbers.

#2 Basic Car Salesman Tip: First Meeting

The basic meet and greet is the first meeting of the car salesman and the potential car buyer and a very critical step to selling cars. You know what they say about first impressions and it's not any different when it comes to being a car salesman. Introducing yourself in a prompt professional manner is the proper thing to do, but I you are dressed poorly or smell like an ashtray you stand a good chance of making a bad first impression. You must look, act, dress and speak like a professional to make a good impression. This and other car salesman tips will get you off to a strong start.

#3 Basic Car Salesman Tip: Vehicle Selection

This car salesman tip may seem obvious, but proper selection is often overlooked by novice car sales people. You will never sell and the buyer will never buy the wrong car at the right price. All car buyers would like to have the top of the line automobile at the price of a base car. When you spend some time talking and determining their needs and you will save yourself a load of grief. If you show your customer the fully loaded model and they can only afford the base model you take a chance of embarrassing them. However if you show them the base model and they can afford more they raise themselves. It is easy to step them up to the nicer models, but very hard and uncomfortable to bring them back down to a model that fits their budget.

When you get in a car sales slump go back and read these very basic, but very important car salesman tips. You need to come off as a professional from the very start and get to know your customer and their needs. Talk to as many potential customers as you can, stick to the basics and your numbers will continue to climb as well as your car sales.