The worst thing about stress is that most of the people affected by it do not know that is it one of their biggest problems! Most people affected by stress do not even know that stress exists and the kind of damage that stress can do. Stress has a funny way of making itself look like it is something else, not stress. This is probably not clear, but I shall explain further.
We generally tend to think that a physical problem has physical causes. Like we may tend to think that a weak stomach or loose motions was caused by drinking water that was contaminated or food that was spoiled. It becomes hard to believe that a physical problem may be caused due to over working.
When we are sick and have ulcers, or a weak stomach or a headache we try to look for a physical cause for these illnesses. We may pinpoint the cause as something we ate the other night. We never pinpoint the cause as working intensively the whole of last month.
However, the truth is that working intensively without taking a break under unrealistic deadlines can indeed cause ulcers, headaches, weak stomachs and much much more This is stress! This is why stress is such a big problem! Because no one sees it.
To better appreciate the true nature of stress, take a look at question & answer below. It was asked in a popular health magazine and represents the confused state of most people.
Question I'm always hearing people talking about stress and how bad it is for you, but I don't really know what it is and if I'm affected by it. I have on occasional headache and some muscle tension sometimes, but I just thought it was a part of getting older. I'm 45. How can you tell if you really are a victim of stress.
Based on your description of headaches and muscle tension, you could very well be experiencing the effects of stress. Your headaches and tension could be the result of stress, but you should check with your doctor to be sure. In the meantime, there are various other indicators that someone could be suffering from stress, including rapid heartbeat, stiff neck and/or tight shoulders, rapid breathing, backache, nausea, sweating and sweaty palms. Stress also can cause frustration, irritation, and some people may become irritable and intolerant of even minor disturbances in their lives.
The truth is that there are more and more people suffering from stress now-a-days. Most people do not even know this. Every time they get sick, they go to a store and buy medicines. They never work on the real problem. The real problem for most people is stress
The average thinking is like Stressed Me No ... well maybe I don't sleep as well as I used to, I do drink a bit more than I should, the kids do say I'm always shouting, the wife and I don't talk any more, I have constant back ache and the doctor says my blood pressure's up.... but no, I'm not stressed.
It may seem obvious reading this that these are symptoms of stress but when we are living them, we usually cannot see it, we are simply trying to live with it!
Having understood that stress is a silent killer that does not show itself, let us try to understand stress better. How does stress do all that it does How come stress can make you sick without any reason whatsoever Understanding stress will give us the insight into really managing stress.
Thursday, December 18, 2008
To make money in the stock market
This article is a complete guide to the basics of making money in the stock market! If you are considering investing in the stock market, you MUST read this article! We have explained all the concepts and talked about all the "myths" that people have about the stock market!
Plain and simple a stock is a share in the ownership of a company. A stock represents a claim on the company's assets and earnings. As you acquire more stocks, your ownership stake in the company becomes greater. Note: Some times different words like shares, equity, stocks etc. are used. All these words mean the same thing.
Holding a company's stock means that you are one of the many owners shareholders of a company and, as such, you have a claim to everything the company owns. This means that technically you own a tiny little piece of all the furniture, every trademark, and every contract of the company. As an owner, you are entitled to your share of the company's earnings as well. These earnings will be given to you. These earnings are called dividends and are given to the shareholders from time to time. A stock is represented by a "stock certificate". This is a piece of paper that is proof of your ownership. However, now-a-days you could also have a demat account.
This means that there will be no stock certificates. Everything will be done though the computer electronically. Selling and buying stocks can be done just by a few clicks. Being a shareholder of a public company does not mean you have a say in the day-to-day running of the business. Instead, one vote per share to elect the board of directors of the company at annual meetings is all you can do. For instance, being a Microsoft shareholder doesn't mean you can call up Bill Gates and tell him how you think the company should be run. The management of the company is supposed to increase the value of the firm for shareholders. If this doesn't happen, the shareholders can vote to have the management removed.
In reality, individual investors like you and I don't own enough shares to have a material influence on the company. It's really the big boys like large institutional investors and billionaire entrepreneurs who make the decisions. For ordinary shareholders, not being able to manage the company isn't such a big deal. After all, the idea is that you don't want to have to work to make money, right The importance of being a shareholder is that you are entitled to a portion of the company’s profits and have a claim on assets. Profits are sometimes paid out in the form of dividends as mentioned earlier.
The more shares you own, the larger the portion of the profits you get. Your claim on assets is only relevant if a company goes bankrupt. In case of liquidation, you'll receive what's left after all the creditors have been paid. Another extremely important feature of stock is limited liability, which means that, as an owner of a stock, you are not personally liable if the company is not able to pay its debts. In other legal structures such as partnerships, if the partnership firm goes bankrupt the creditors can come after the partners personally and sell off their house, car, furniture, etc. To understand all this in more detail you could read our article. Owning stock means that, no matter what happens to the company, the maximum value you can lose is the value of your stocks. Even if a company of which you are a shareholder goes bankrupt, you can never lose your personal assets.
Why would the founders share the profits with thousands of people when they could keep profits to themselves This is the obvious question that comes up next. The next section is all about.
Plain and simple a stock is a share in the ownership of a company. A stock represents a claim on the company's assets and earnings. As you acquire more stocks, your ownership stake in the company becomes greater. Note: Some times different words like shares, equity, stocks etc. are used. All these words mean the same thing.
Holding a company's stock means that you are one of the many owners shareholders of a company and, as such, you have a claim to everything the company owns. This means that technically you own a tiny little piece of all the furniture, every trademark, and every contract of the company. As an owner, you are entitled to your share of the company's earnings as well. These earnings will be given to you. These earnings are called dividends and are given to the shareholders from time to time. A stock is represented by a "stock certificate". This is a piece of paper that is proof of your ownership. However, now-a-days you could also have a demat account.
This means that there will be no stock certificates. Everything will be done though the computer electronically. Selling and buying stocks can be done just by a few clicks. Being a shareholder of a public company does not mean you have a say in the day-to-day running of the business. Instead, one vote per share to elect the board of directors of the company at annual meetings is all you can do. For instance, being a Microsoft shareholder doesn't mean you can call up Bill Gates and tell him how you think the company should be run. The management of the company is supposed to increase the value of the firm for shareholders. If this doesn't happen, the shareholders can vote to have the management removed.
In reality, individual investors like you and I don't own enough shares to have a material influence on the company. It's really the big boys like large institutional investors and billionaire entrepreneurs who make the decisions. For ordinary shareholders, not being able to manage the company isn't such a big deal. After all, the idea is that you don't want to have to work to make money, right The importance of being a shareholder is that you are entitled to a portion of the company’s profits and have a claim on assets. Profits are sometimes paid out in the form of dividends as mentioned earlier.
The more shares you own, the larger the portion of the profits you get. Your claim on assets is only relevant if a company goes bankrupt. In case of liquidation, you'll receive what's left after all the creditors have been paid. Another extremely important feature of stock is limited liability, which means that, as an owner of a stock, you are not personally liable if the company is not able to pay its debts. In other legal structures such as partnerships, if the partnership firm goes bankrupt the creditors can come after the partners personally and sell off their house, car, furniture, etc. To understand all this in more detail you could read our article. Owning stock means that, no matter what happens to the company, the maximum value you can lose is the value of your stocks. Even if a company of which you are a shareholder goes bankrupt, you can never lose your personal assets.
Why would the founders share the profits with thousands of people when they could keep profits to themselves This is the obvious question that comes up next. The next section is all about.
To start a company
Here we have provided a huge guide that will give you an introduction to every aspect of starting a company. We have covered: screening business ideas, making a business plan, marketing, forming business objectives, making the right legal decisions etc. etc.
If you are interested only in the legal process involved in starting up a business like a Partnership Public or Private Limited Company or a Sole Proprietorship we have a separate article for the same called you pick up any book on being an entrepreneur, the first chapter will be about, Do you have what it takes to start a company
The point all these books are trying to make is, It is not easy to start a company! It is positively difficult to be an entrepreneur most people don’t want to take the risk to start a new company because they are afraid of things likePeople, who work past these initial fears and decide to go ahead and start a company, have to be prepared to really work for it. It is difficult to start a company and most people quit on the way. There will be many things that de-motivate you when you go about starting your company If you seriously want to start a company be ready to work very very hard for it Next we have explained how you can pick best possible business idea" for your new company.
If you are interested only in the legal process involved in starting up a business like a Partnership Public or Private Limited Company or a Sole Proprietorship we have a separate article for the same called you pick up any book on being an entrepreneur, the first chapter will be about, Do you have what it takes to start a company
The point all these books are trying to make is, It is not easy to start a company! It is positively difficult to be an entrepreneur most people don’t want to take the risk to start a new company because they are afraid of things likePeople, who work past these initial fears and decide to go ahead and start a company, have to be prepared to really work for it. It is difficult to start a company and most people quit on the way. There will be many things that de-motivate you when you go about starting your company If you seriously want to start a company be ready to work very very hard for it Next we have explained how you can pick best possible business idea" for your new company.
Inflation
Inflation is an economic concept. What the cause of inflation is, is not important to us from the point of view of this article What is important to us is the effect of effect of inflation is the prices of everything going up over the years.
A movie ticket was for a few paisa in my dad’s time. Now it is worth Rs.50. My dads first salary for the month w..as Rs.400 and over he years it has now become Rs.75,000. This is what inflation is, the price of everything goes up. .Because the price goes up, the salaries go up. If you really thing about it, inflation makes the worth of money reduce. What you could buy in my dad’s time for Rs.10, now a days you will not be able to buy for Rs.400 also. The worth of money has reduced! If this is still not clear consider this, when my father was a kid, he used to get 50paise pocket money. He used to use this money to go and watch a movie that time you could watch a movie for 50paiseNow, just for the sake of understanding assume that my dad decided in his childhood to save 50paise thinking, that one day when he becomes big, he will go for a movie. Many years pass. The year now is 2006. My dad goes to the theater and asks for a ticket. He offers the ticket-booth-guy at the theater 50paise and asks for a ticket. The ticket booth guy says, I am sorry sir, the ticket is worth Rs.50. You will not be able to even buy a with the 50paisethe moral of the story is that, the worth of the 50paise reduced dramatically. 50paise could buy a whole lot when my dad was a kid. Now, 50paise can buy nothing. This is inflation. This tells us two important things. Firstly Do not keep your money stagnant. If you just save money by putting it your safe it will loose value over time. If you have Rs.1000 in your safe today and you keep it there for 10years or so, it will be worth a lot less after 10 years. If you can buy something for Rs.1000 today, you will probably require Rs.1500 to buy it 10 years from now. So do not keep money locked up in your safe Always invest money.
If you can’t think where to invest your money, then put it in a bank. Let it grow by gaining interest. But whatever you do, do not just lock your money up in your safe and keep it stagnant. If you do this, you will be loosing money without even knowing it. The more money you keep stagnant the more money you will be loosing. Secondly: When investing, you have to make sure that the rate of return on your investment is higher than the rate of inflation.
the rate of inflation
As we said earlier, the price of everything goes up over time and this phenomenon is called inflation. The question is So, when you make an investment, make sure that your rate of return on the investment is higher than the rate of inflation in your country. In our county India, for the year 2005-2006 the rate of inflation was 4% Which is really low and amazingThis rate keeps changing every year. The finance minister generally gives the official statement on the inflation rate of the country for a particular year.
The rate of return is how much you make on an investment.Suppose you invest Rs.100 in the market and over a year, you make Rs.120, then you rate of return is 20%. If you invest Rs.100 in the market today and you make money at a 3% rate of return in one year you will have Rs.103. But now, since the rate of inflation is at 4% an item costing Rs.100 today will cost Rs.104 a year from now. So what you can buy with today’s Rs.100, you will only be able to buy with Rs.104 a year from now. But the Rs.100 that you invested has grown only at a 3% rate of return and so it is worth Rs.103. In effect, you are loosing money!So in conclusion, the rate of return on your investments, have to be higher than the rate of inflation. From the above paragraphs you can note how silently, inflation eats into your money. You would not even know about it an your money would sit loosing value for no fault of yours. But inflation is not the only thing you should be considering, there are other things too that eat into you money. The first thing is brokerage and the second thing is taxation.
A movie ticket was for a few paisa in my dad’s time. Now it is worth Rs.50. My dads first salary for the month w..as Rs.400 and over he years it has now become Rs.75,000. This is what inflation is, the price of everything goes up. .Because the price goes up, the salaries go up. If you really thing about it, inflation makes the worth of money reduce. What you could buy in my dad’s time for Rs.10, now a days you will not be able to buy for Rs.400 also. The worth of money has reduced! If this is still not clear consider this, when my father was a kid, he used to get 50paise pocket money. He used to use this money to go and watch a movie that time you could watch a movie for 50paiseNow, just for the sake of understanding assume that my dad decided in his childhood to save 50paise thinking, that one day when he becomes big, he will go for a movie. Many years pass. The year now is 2006. My dad goes to the theater and asks for a ticket. He offers the ticket-booth-guy at the theater 50paise and asks for a ticket. The ticket booth guy says, I am sorry sir, the ticket is worth Rs.50. You will not be able to even buy a with the 50paisethe moral of the story is that, the worth of the 50paise reduced dramatically. 50paise could buy a whole lot when my dad was a kid. Now, 50paise can buy nothing. This is inflation. This tells us two important things. Firstly Do not keep your money stagnant. If you just save money by putting it your safe it will loose value over time. If you have Rs.1000 in your safe today and you keep it there for 10years or so, it will be worth a lot less after 10 years. If you can buy something for Rs.1000 today, you will probably require Rs.1500 to buy it 10 years from now. So do not keep money locked up in your safe Always invest money.
If you can’t think where to invest your money, then put it in a bank. Let it grow by gaining interest. But whatever you do, do not just lock your money up in your safe and keep it stagnant. If you do this, you will be loosing money without even knowing it. The more money you keep stagnant the more money you will be loosing. Secondly: When investing, you have to make sure that the rate of return on your investment is higher than the rate of inflation.
the rate of inflation
As we said earlier, the price of everything goes up over time and this phenomenon is called inflation. The question is So, when you make an investment, make sure that your rate of return on the investment is higher than the rate of inflation in your country. In our county India, for the year 2005-2006 the rate of inflation was 4% Which is really low and amazingThis rate keeps changing every year. The finance minister generally gives the official statement on the inflation rate of the country for a particular year.
The rate of return is how much you make on an investment.Suppose you invest Rs.100 in the market and over a year, you make Rs.120, then you rate of return is 20%. If you invest Rs.100 in the market today and you make money at a 3% rate of return in one year you will have Rs.103. But now, since the rate of inflation is at 4% an item costing Rs.100 today will cost Rs.104 a year from now. So what you can buy with today’s Rs.100, you will only be able to buy with Rs.104 a year from now. But the Rs.100 that you invested has grown only at a 3% rate of return and so it is worth Rs.103. In effect, you are loosing money!So in conclusion, the rate of return on your investments, have to be higher than the rate of inflation. From the above paragraphs you can note how silently, inflation eats into your money. You would not even know about it an your money would sit loosing value for no fault of yours. But inflation is not the only thing you should be considering, there are other things too that eat into you money. The first thing is brokerage and the second thing is taxation.
History of Taj Mahal
The Taj Mahal has inspired poets, painters and musicians to try and capture its elusive magic in word, color and song. It is one of the most flawless architectural creations of the world. Since the 17th century, travelers have crossed continents to come and see this ultimate memorial to love, and we have been unmoved by its incomparable beauty.
Taj Mahal stands in the city of Agra, in the northern Indian state of Uttar Pradesh, on the banks of the Yamuna River. It was built in the memory of the beautiful Arjumand Bano Begum, who won the heart of a Mughal prince. She was married at 21 to Emperor Jahangir’s third son Prince Khurram and stayed loyally by his side through good times and bad: in the luxurious royal palaces of Agra as well as the transient tents of war camps.In AD 1628, Khurram became king after a bloody battle of succession: he took the name Shahjahan or “King of the World” and showered his beloved begum with the highest titles. She became Mumtaz Mahal, the exalted of the palace and Mumtaz-ul-Zamani, the exalted of the Age.
But Mumtaz Mahal was not destined to be queen for long. In 1631, Shahjahan went on an expedition to the south and, as always, Mumtaz Mahal accompanied him. But she died in childbirth at Burhanpur. She had borne Shahjahan fourteen children, of whom four sons and three daughters survived. When Mumtaz Mahal died, she was just 39 years old. Shahjahan was inconsolable and contemporary chronicles tell of the royal court mourning for two years. There was no music, no feasting, and no celebration of any kind.
Shahjahan, who was a passionate builder, now decided to erect a memorial to his queen in pristine marble that the world would never forget. The site selected for the tomb was a garden by the Yamuna River, unshadowed by any other structure. The garden had been laid by Raja Man Singh of Amber and now belonged to his grandson, Raja Jai Singh. By a royal fireman, Shahjahan gave Jai Singh four havelis in exchange for the garden. The site was also chosen because it was located on a bend in the river, and so could be seen from Shahjahan’s personal palace in Agra Fort, further upstream.Work on the mausoleum began in 1633 and 20,000 workers labored for 17 years to build it.
The most skilled architects, inlay craftsmen, calligraphers, stone-carvers and masons came from all across Indian and lands as distant as Persia and Turkey. The master mason was from Baghdad, an expert in building the double dome from Persia, and an inlay specialist from Delhi.Yemen sent agates, the corals came from Arabia, the garnets from Bundelkhand, onyx and amethyst from Persia. Mumtaz Mahal’s final resting-place was ornamented like a queen’s jewel-box.
Taj Mahal stands in the city of Agra, in the northern Indian state of Uttar Pradesh, on the banks of the Yamuna River. It was built in the memory of the beautiful Arjumand Bano Begum, who won the heart of a Mughal prince. She was married at 21 to Emperor Jahangir’s third son Prince Khurram and stayed loyally by his side through good times and bad: in the luxurious royal palaces of Agra as well as the transient tents of war camps.In AD 1628, Khurram became king after a bloody battle of succession: he took the name Shahjahan or “King of the World” and showered his beloved begum with the highest titles. She became Mumtaz Mahal, the exalted of the palace and Mumtaz-ul-Zamani, the exalted of the Age.
But Mumtaz Mahal was not destined to be queen for long. In 1631, Shahjahan went on an expedition to the south and, as always, Mumtaz Mahal accompanied him. But she died in childbirth at Burhanpur. She had borne Shahjahan fourteen children, of whom four sons and three daughters survived. When Mumtaz Mahal died, she was just 39 years old. Shahjahan was inconsolable and contemporary chronicles tell of the royal court mourning for two years. There was no music, no feasting, and no celebration of any kind.
Shahjahan, who was a passionate builder, now decided to erect a memorial to his queen in pristine marble that the world would never forget. The site selected for the tomb was a garden by the Yamuna River, unshadowed by any other structure. The garden had been laid by Raja Man Singh of Amber and now belonged to his grandson, Raja Jai Singh. By a royal fireman, Shahjahan gave Jai Singh four havelis in exchange for the garden. The site was also chosen because it was located on a bend in the river, and so could be seen from Shahjahan’s personal palace in Agra Fort, further upstream.Work on the mausoleum began in 1633 and 20,000 workers labored for 17 years to build it.
The most skilled architects, inlay craftsmen, calligraphers, stone-carvers and masons came from all across Indian and lands as distant as Persia and Turkey. The master mason was from Baghdad, an expert in building the double dome from Persia, and an inlay specialist from Delhi.Yemen sent agates, the corals came from Arabia, the garnets from Bundelkhand, onyx and amethyst from Persia. Mumtaz Mahal’s final resting-place was ornamented like a queen’s jewel-box.
Eligibility for BA .LLB
BA.LLB- Bachelor of Laws is an integrated program in Law. BA.LLB is a five-year duration program. After completion of 10+2, students can give an entrance exam for the course of BA.LLB. These types of courses are available in most of universities in India.A degree in law provides plenty of career opportunities to a lawyer. In this field of law, social and financial crises amid the public are always marked.
A degree of law provides weapons to fight against all types of social inequalities and crimes. Under the imposed rules by law, the society is governed. Law is one of the vital and most basic communal institutions. There are always crises and injustice in the society if the people did just as they wished. No society could ever exist until its members distinguish that they have certain obligations towards one another. The law sets up the systems that describe human rights and obligations. The law punishes the people who break these rules. Law in various crimes and cases advises government. Mostly different government departments and police agencies see that laws are regulated amongst the people.
The courts of that region help to these agencies to carry on the laws. Skills Required for BA.LLB. The lawful process does not merely engage lawyers dramatically in the courtroom. Lawyers present their cases before the honorable judges with great efforts. Law is the base of the society and it is a vital weapon to bring some positive changes amongst the people. A lawyer must acquire outstanding communication and staging skills.
A lawyer cross-examines the observer to bring out reality before the court. Case analysis skills are the most important skills to become a successful lawyer. A high-level honesty goes along way making one a reputed lawyer. Selection of Students in BA.LLB program Students have to prepare for the entrance test and personal interview. The Law entrance test generally checks the Legal reasoning, Logical reasoning, Maths, English and General Knowledge of the students. Studies of Law are available mostly in all Universities of India. Some of the major Law Schools in India
A degree of law provides weapons to fight against all types of social inequalities and crimes. Under the imposed rules by law, the society is governed. Law is one of the vital and most basic communal institutions. There are always crises and injustice in the society if the people did just as they wished. No society could ever exist until its members distinguish that they have certain obligations towards one another. The law sets up the systems that describe human rights and obligations. The law punishes the people who break these rules. Law in various crimes and cases advises government. Mostly different government departments and police agencies see that laws are regulated amongst the people.
The courts of that region help to these agencies to carry on the laws. Skills Required for BA.LLB. The lawful process does not merely engage lawyers dramatically in the courtroom. Lawyers present their cases before the honorable judges with great efforts. Law is the base of the society and it is a vital weapon to bring some positive changes amongst the people. A lawyer must acquire outstanding communication and staging skills.
A lawyer cross-examines the observer to bring out reality before the court. Case analysis skills are the most important skills to become a successful lawyer. A high-level honesty goes along way making one a reputed lawyer. Selection of Students in BA.LLB program Students have to prepare for the entrance test and personal interview. The Law entrance test generally checks the Legal reasoning, Logical reasoning, Maths, English and General Knowledge of the students. Studies of Law are available mostly in all Universities of India. Some of the major Law Schools in India
Online Conferencing
Though it may seem rather impersonal at times, the Internet has been bringing people together in online chat rooms for years. Thanks to modern high-speed data connections, businesses now are making good use of Internet Web conferencing, an economical solution to the traditional business trip. Connecting people and sharing information- The key to Internet conferencing is "Voice over Internet Protocol, which digitally transmits spoken words over the Internet. When combined with streaming video feeds and data transfers, it replaces the traditional telephone conference call with a more versatile alternative.
Each participant needs a high-speed Internet connection, a browser to connect to the conferencing Web site, plus a standard Web camera and headset. As long as everyone is able to connect to the site, you can host business meetings with associates in all 50 states or hold a training seminar for employees in another country. A cost-saving solution- When used correctly, this technology lets many employees communicate effectively at the same time without extra travel expenses. Internet Web conferencing is especially ideal if you are trying to roll out a new software product to branch offices; a technician can take control of another participant's computer to demonstrate the features of the product on their own terminal.
Secure Internet Web conferencing- Because you will be transmitting sensitive material and discussing company business, it's important to ensure that any Internet Web conferencing takes place in a secure environment. The conference provider should offer 128-bit data encryption during your presentation. Each participant also should receive a password-protected email containing the access code to the conference on a secure mail server. These emails should only come from the conference host and must not be forwarded or shared with anyone else.
Imagine being able to hold meetings with people around the world at a moment's notice without having to leave your office. A web conferencing solution provides a central online meeting place for people to get together for meetings regardless of location. With a simple click of the mouse, you can present PowerPoint slides, run a software demonstration, or even hold brainstorming sessions using a whiteboard. Businesses can use a web conferencing solution for a variety of purposes: Marketing meetings - product announcements, brainstorming sessions. Sales presentations - demonstrations, new product releases. Training and human resources employee orientation, customer training. Financial and investor relations shareholder meetings, briefs. Creative presentations - weddings, fashion shows, live surgery
Probably the greatest downside to a web conferencing solution is the lack of face-to-face interaction and the relationship building it brings. Collaborative applications like interactive polls and Q&A sessions help bridge the gap, but the fact remains that the interaction is all virtual. On the other hand, a web conferencing solution helps slash the hefty travel and time costs associated with face-to-face meetings. Microsoft icon Bill Gates recently remarked that web conferencing stands to save his company over $40 million in travel costs alone in 2005. Although they may not be as large, other budget-conscious companies could certainly cut travel expenses using web conferencing.
This Buyer Zone Buyer's Guide will take a look at the functionality of a web conferencing solution, the services provided, costs, and how to purchase and install web conferencing, so you can get your company up and running in a flash. o hold web meetings, you need three key items: a computer with an Internet connection, a web conferencing solution, and a phone line to hear the presenter. That's it. While participants of web meetings can get away with a dial-up Internet connection, it's recommended that the presenter have high-speed Internet access like DSL, T1, or cable modem.
To set up web meetings, you simply use the web conferencing software to reserve a "room" for a specific date and time. The software then lets you send invitations to attendees to join the conference at the appointed hour. Web meetings can range in size from 2 to 500 or more people. Generally, meetings up to 125 people can be scheduled on demand; advance notice is usually required if you want more concurrent seats. In the invitation, attendees receive a link to download the requisite software, which takes only a few minutes with a high-speed connection. The invitation also includes a phone number to call into the meeting for the audio portion and a unique conference ID for the attendee claim their the access port open for the conference.
Other types of online web conferencing- As you add more features, online web conferencing morphs into other types of conferencing. Here's a quick rundown of the different flavors available: A webinar is just like a web conference except that the audio is streamed over the Internet instead of carried on a separate phone line; it is used for structured events like training sessions. Web cast services include video to allow you to see the speaker, but have with limited interactive options. On the high end, web video conferencing provides television-news like meetings, relying on dedicated high-speed data connections and hardware to support this high-quality interaction. Many web based conferencing solutions are rich in applications that can make your meeting a dynamic, interactive experience. Here is an overview of commonly available features of web based conferencing:
For the presenter: Application sharing - Share any applications you have on your computer desktop directly with your participants. You can pass the controls over to a conference attendee to run a part of the meeting, make changes, and even group edit documents. As the moderator, you can take back the controls from a participant at any time with the click of a button. While application sharing is a powerful feature, you need to be very careful with it, as it gives the person full access to your computer and your company's network, bypassing your company's firewalls, which can put your infrastructure at risk.
Slide presentations - Upload a PowerPoint presentation and share slides at your pace. This feature guarantees that no participant can skip through the presentation ahead of you. White boarding - Draw diagrams and write notes live on screen to support brainstorming sessions. Screen sharing - Show anything that appears on your computer desktop such as a single chart or diagram. You can even isolate part of your screen with a cropping tool so that your audience can only view what you want them to see. Web touring - Display Web pages as you click your way through them. This can be significantly easier than verbal instructions such as "click on the third link from the top in the left hand side" to guide a person through a site. File transfer - Send files to everyone at the conference at one time. For the audience: Live chat - Attendees talk amongst themselves and with the moderator through live person-to-person chat or group discussion.
Q&A - Moderator takes questions from attendees throughout broadcast but particularly at the end of the meeting. Presenters have the option to reply solely to the person asking the question or to everyone in attendance. This interactive tool allows participants to play a more integral part in the conference. Polling - Moderator gets instant feedback on presentations by providing a set of questions with multiple-choice answers. You can view the results during the meeting and discuss the results, or analyze the data afterwards. Help request - Attendees can quietly alert you that they don't understand something or need help with an application without disrupting the flow of your meeting. Web-based audio - Broadcasts the audio portion of your conference via streaming audio, instead of a separate conference call.
This way, participants with a PC sound card and speakers can listen without additional audio conference calling charges. Usually referred to as a webinar. Web camera - By adding a web cam at the presenter's location, attendees can see view the presenter during the meeting. This can help them associate a face with the voice guiding them through the web conferencing service. Don't expect too much, though - the video may have a few seconds' delay and won't allow you to show much more than your headshot and the background of your work area. This is sometimes referred to as a web cast.
Monitoring Most web conferencing service providers have a participant window for you to view a roster of attendees as well as their web and audio status. You can also monitor who is entering your conference and bounce people you don't want at the meeting - a competitor or someone that didn't pay for access to a fee-based course, for example. Backup systems: Redundancy, or "conference continuation", allows the hosted web conferencing solution to seamlessly move to a second server should the first server fail unexpectedly. If the moderator loses the connection to the conference, the attendees are alerted to stand by while the connection is fixed. All meeting materials are stored so critical data is not lost.
While this addresses the potential downtime associated with problems with the web conferencing service provider, this does not cover the potential downtime due to computer, network or Internet connectivity problems experienced by the participants. While most providers guarantee nearly 100% uptime for their programs, they have little control over attendees' connections or hardware. Security - Almost all web conferencing service solutions include encryption to protect your information. For some, Secure Socket Layers high-level security technology that protects and secures confidential data - is a critical security measure for any web conference. Some companies charge extra for it while others will bundle it as part of a package. For others, security is less critical - there's no need to pay extra to protect public meetings or simple sales calls.
Recording - Online archiving allows you to replay part or all of the actual meeting. Stored on the meeting host's PC, it gives you a reliable point of reference to consider potential improvements for future conferences. Since it's proprietary information, only the moderator determines who gets access once the conference ends. Reporting - Get conference activity such as full text chat transcripts or data from survey and quiz results. You can also find out when participants logged in and out and receive customized reports of how each attendee answered a particular question.
The web conferencing arena consists of providers that develop the product and host the conferences on their own servers, as well as resellers who offer technology and services from one or more providers. In general, a developer may offer better support since they developed the technology, but they may be more expensive. In contrast, resellers might offer web conferencing solutions at a more attractive price since they don't have overhead costs, but they might not have answers to all of your questions or the resources to provide adequate training.
Whether you choose to work with a provider or reseller, your decision might come down to which vendor offers you the products and services that best suit your business. In addition, the company you work with should be financially stable - you don't want to select a vendor whose future is in question because they may not be around the next time you need them.
Understand your needs before locking into any sort of commitment with a web conferencing vendor. If there's a web conferencing feature you rely on the most - say PowerPoint presentations - find out which vendor offers the best functionality for that feature. These features may look the same on paper but can be quite different in actual use. This is why it's so important to take advantage of the free trial offers that many vendors offer.
It's also important to recognize what support you'll need for web conferencing. If you select an ASP vendor, ask if they can accommodate the number of people you intend to invite. If you intend to install a licensed software solution, find out what resources you will need in house - such as specific IT staff - should problems come up Find out what each company offers in terms of customer service. When narrowing your options, make sure to get all proposals in writing, including all pricing and capacity details. Also check that there aren't any hidden fees. If you plan to use the product only sparingly, confirm that the contract shows all previously discussed price quotes for web and audio minutes.
Each participant needs a high-speed Internet connection, a browser to connect to the conferencing Web site, plus a standard Web camera and headset. As long as everyone is able to connect to the site, you can host business meetings with associates in all 50 states or hold a training seminar for employees in another country. A cost-saving solution- When used correctly, this technology lets many employees communicate effectively at the same time without extra travel expenses. Internet Web conferencing is especially ideal if you are trying to roll out a new software product to branch offices; a technician can take control of another participant's computer to demonstrate the features of the product on their own terminal.
Secure Internet Web conferencing- Because you will be transmitting sensitive material and discussing company business, it's important to ensure that any Internet Web conferencing takes place in a secure environment. The conference provider should offer 128-bit data encryption during your presentation. Each participant also should receive a password-protected email containing the access code to the conference on a secure mail server. These emails should only come from the conference host and must not be forwarded or shared with anyone else.
Imagine being able to hold meetings with people around the world at a moment's notice without having to leave your office. A web conferencing solution provides a central online meeting place for people to get together for meetings regardless of location. With a simple click of the mouse, you can present PowerPoint slides, run a software demonstration, or even hold brainstorming sessions using a whiteboard. Businesses can use a web conferencing solution for a variety of purposes: Marketing meetings - product announcements, brainstorming sessions. Sales presentations - demonstrations, new product releases. Training and human resources employee orientation, customer training. Financial and investor relations shareholder meetings, briefs. Creative presentations - weddings, fashion shows, live surgery
Probably the greatest downside to a web conferencing solution is the lack of face-to-face interaction and the relationship building it brings. Collaborative applications like interactive polls and Q&A sessions help bridge the gap, but the fact remains that the interaction is all virtual. On the other hand, a web conferencing solution helps slash the hefty travel and time costs associated with face-to-face meetings. Microsoft icon Bill Gates recently remarked that web conferencing stands to save his company over $40 million in travel costs alone in 2005. Although they may not be as large, other budget-conscious companies could certainly cut travel expenses using web conferencing.
This Buyer Zone Buyer's Guide will take a look at the functionality of a web conferencing solution, the services provided, costs, and how to purchase and install web conferencing, so you can get your company up and running in a flash. o hold web meetings, you need three key items: a computer with an Internet connection, a web conferencing solution, and a phone line to hear the presenter. That's it. While participants of web meetings can get away with a dial-up Internet connection, it's recommended that the presenter have high-speed Internet access like DSL, T1, or cable modem.
To set up web meetings, you simply use the web conferencing software to reserve a "room" for a specific date and time. The software then lets you send invitations to attendees to join the conference at the appointed hour. Web meetings can range in size from 2 to 500 or more people. Generally, meetings up to 125 people can be scheduled on demand; advance notice is usually required if you want more concurrent seats. In the invitation, attendees receive a link to download the requisite software, which takes only a few minutes with a high-speed connection. The invitation also includes a phone number to call into the meeting for the audio portion and a unique conference ID for the attendee claim their the access port open for the conference.
Other types of online web conferencing- As you add more features, online web conferencing morphs into other types of conferencing. Here's a quick rundown of the different flavors available: A webinar is just like a web conference except that the audio is streamed over the Internet instead of carried on a separate phone line; it is used for structured events like training sessions. Web cast services include video to allow you to see the speaker, but have with limited interactive options. On the high end, web video conferencing provides television-news like meetings, relying on dedicated high-speed data connections and hardware to support this high-quality interaction. Many web based conferencing solutions are rich in applications that can make your meeting a dynamic, interactive experience. Here is an overview of commonly available features of web based conferencing:
For the presenter: Application sharing - Share any applications you have on your computer desktop directly with your participants. You can pass the controls over to a conference attendee to run a part of the meeting, make changes, and even group edit documents. As the moderator, you can take back the controls from a participant at any time with the click of a button. While application sharing is a powerful feature, you need to be very careful with it, as it gives the person full access to your computer and your company's network, bypassing your company's firewalls, which can put your infrastructure at risk.
Slide presentations - Upload a PowerPoint presentation and share slides at your pace. This feature guarantees that no participant can skip through the presentation ahead of you. White boarding - Draw diagrams and write notes live on screen to support brainstorming sessions. Screen sharing - Show anything that appears on your computer desktop such as a single chart or diagram. You can even isolate part of your screen with a cropping tool so that your audience can only view what you want them to see. Web touring - Display Web pages as you click your way through them. This can be significantly easier than verbal instructions such as "click on the third link from the top in the left hand side" to guide a person through a site. File transfer - Send files to everyone at the conference at one time. For the audience: Live chat - Attendees talk amongst themselves and with the moderator through live person-to-person chat or group discussion.
Q&A - Moderator takes questions from attendees throughout broadcast but particularly at the end of the meeting. Presenters have the option to reply solely to the person asking the question or to everyone in attendance. This interactive tool allows participants to play a more integral part in the conference. Polling - Moderator gets instant feedback on presentations by providing a set of questions with multiple-choice answers. You can view the results during the meeting and discuss the results, or analyze the data afterwards. Help request - Attendees can quietly alert you that they don't understand something or need help with an application without disrupting the flow of your meeting. Web-based audio - Broadcasts the audio portion of your conference via streaming audio, instead of a separate conference call.
This way, participants with a PC sound card and speakers can listen without additional audio conference calling charges. Usually referred to as a webinar. Web camera - By adding a web cam at the presenter's location, attendees can see view the presenter during the meeting. This can help them associate a face with the voice guiding them through the web conferencing service. Don't expect too much, though - the video may have a few seconds' delay and won't allow you to show much more than your headshot and the background of your work area. This is sometimes referred to as a web cast.
Monitoring Most web conferencing service providers have a participant window for you to view a roster of attendees as well as their web and audio status. You can also monitor who is entering your conference and bounce people you don't want at the meeting - a competitor or someone that didn't pay for access to a fee-based course, for example. Backup systems: Redundancy, or "conference continuation", allows the hosted web conferencing solution to seamlessly move to a second server should the first server fail unexpectedly. If the moderator loses the connection to the conference, the attendees are alerted to stand by while the connection is fixed. All meeting materials are stored so critical data is not lost.
While this addresses the potential downtime associated with problems with the web conferencing service provider, this does not cover the potential downtime due to computer, network or Internet connectivity problems experienced by the participants. While most providers guarantee nearly 100% uptime for their programs, they have little control over attendees' connections or hardware. Security - Almost all web conferencing service solutions include encryption to protect your information. For some, Secure Socket Layers high-level security technology that protects and secures confidential data - is a critical security measure for any web conference. Some companies charge extra for it while others will bundle it as part of a package. For others, security is less critical - there's no need to pay extra to protect public meetings or simple sales calls.
Recording - Online archiving allows you to replay part or all of the actual meeting. Stored on the meeting host's PC, it gives you a reliable point of reference to consider potential improvements for future conferences. Since it's proprietary information, only the moderator determines who gets access once the conference ends. Reporting - Get conference activity such as full text chat transcripts or data from survey and quiz results. You can also find out when participants logged in and out and receive customized reports of how each attendee answered a particular question.
The web conferencing arena consists of providers that develop the product and host the conferences on their own servers, as well as resellers who offer technology and services from one or more providers. In general, a developer may offer better support since they developed the technology, but they may be more expensive. In contrast, resellers might offer web conferencing solutions at a more attractive price since they don't have overhead costs, but they might not have answers to all of your questions or the resources to provide adequate training.
Whether you choose to work with a provider or reseller, your decision might come down to which vendor offers you the products and services that best suit your business. In addition, the company you work with should be financially stable - you don't want to select a vendor whose future is in question because they may not be around the next time you need them.
Understand your needs before locking into any sort of commitment with a web conferencing vendor. If there's a web conferencing feature you rely on the most - say PowerPoint presentations - find out which vendor offers the best functionality for that feature. These features may look the same on paper but can be quite different in actual use. This is why it's so important to take advantage of the free trial offers that many vendors offer.
It's also important to recognize what support you'll need for web conferencing. If you select an ASP vendor, ask if they can accommodate the number of people you intend to invite. If you intend to install a licensed software solution, find out what resources you will need in house - such as specific IT staff - should problems come up Find out what each company offers in terms of customer service. When narrowing your options, make sure to get all proposals in writing, including all pricing and capacity details. Also check that there aren't any hidden fees. If you plan to use the product only sparingly, confirm that the contract shows all previously discussed price quotes for web and audio minutes.
Fishing Company
Perfectly located between the Gulf of Mexico and the Atlantic Ocean, Key West offers more varieties of fishing than any other place. The reason; Key West has more fishable water than any other island in the Florida Keys. The running time to get to our favorite fishing spots is measured in minutes, not hours. Key West is situated some 115 miles from the mainland smack dab in the middle of the ocean. Whether you prefer offshore, wreck, reef or backcountry fishing; we have it all. Being home to hundreds of IGFA world records, Key West has become the premier fishing destination in the country. Dolphin, Wahoo, sailfish, permit, grouper, snapper, sharks, barracuda, and amberjack; to name just a few of the world record fish caught while fishing off the coast of the Florida Keys.
Key West Fishing is Always In Season! Whether it's sailfish in winter, tarpon in spring, dolphin in summer or kingfish in fall. There's always something biting. Anglers choose fishing in Key West, because no other place like Key West offers such a complete fishing experience. Tail Chaser Fishing Charters has guided thousands of anglers, from novice to expert to the trip of their lifetime, again and again. Check out our new photo gallery, see just a few of the many happy customers who made Tail chaser their sport fishing charter.
WELCOME To Key West's most complete fishing charter and reservations service on the Net sponsored by Local Key West Captains. Our goal is to provide you with unparalleled service and to make sure you fish with one of Key West's finest captains. Whether it’s Blue Marlin, sailfish, mahi-mahi, and tuna in the Atlantic, bonefish and tarpon in the flats, or ferocious sharks we have the perfect guide for you. Here's WHY 15 or more years of experience. Tournament Winning Guides, Quality, PERFORMANCE! Boats, Finest Equipment, Any Skill Level, Fully certified and insured, Our Guides have been Seen on: ESPN, Sunshine Network, and OLN, Also featured in the magazines: Sport Fishing, and Florida Sportsman!
Key West has long been one of the premier fishing destinations in the world. It is known for its great offshore fishing and for the variety of fish available in the tropical waters. The angler has a wide choice of offshore trolling, wreck fishing, light tackle, back country and flats fishing. For the less adventuresome who would like to get out on the water and catch dinner. You can fish with the captain on a regular basis either the Gulf of Mexico or the Atlantic side of the islands. Nowhere else in the world can offer such a variety of choices in target species and tackle varieties. Peps fishing charters offer even the more conservative angler a chance to experience the thrill of catching fish, possibly dinner. Many first timers and families can spend a day or half day on the water and take their catch of cleaned the Captain snapper, grouper, grunt or one of the many other
Edible fish to a local restaurant for dinner that evening. r
Whether you are looking for a chance to fish in the Flats of Key West or you are more interested in the life of the offshore Florida environment, we are here to ensure that you choose the charter that is right for you. All of our Captains are ready, willing, and able to make sure that you have a stellar trip no matter where you go. It’s likely that you will end up on the most impressive boat with a highly skilled, entertaining Captain because our Captains all have the most to offer. In fact, our Captains have been called the best in all of Key West.
One of the most exciting types of fishing in Key West is offshore fishing. The reason that offshore fishing is so exciting is because you never know what will be out there and you have no idea of knowing what you might catch. Key West and the surrounding waters are filled with numerous aquatic species and the deeper into the water you go, the more interesting and exotic those species become. When you make the decide to go offshore fishing in Key West you can bet you will be coming home with some fantastic catches for your entire family.
Fishing in Key West: Come and fish in the waters of Key West where fishing legends were born. Ernest Hemingway fished the waters of the Florida Straights between Cuba and Key West for giant blue marlin. Zane Grey applied his angling and writing skills to the in shore and backcountry of the Florida Keys, landing sailfish and giant tarpon. Just a few of the 225 species of game fish that prowl the crystal, clear waters of the Florida Keys. But you don't have to be a legend or a writer to enjoy the thrill of big game fishing year round in the Keys, just bring your boat on down or charter one of ours. Charter boats and guides are available to introduce you to one or more of our natives that bit. Key West Deep sea fishing experienced captains are waiting to take you into the Gulf Stream just minutes away from the dock where you can test your angling skills against the sailfish and marlin.
Key West Backcountry guides have staked out the flats where tarpon and bonefish await the anglers preferring to use light spin or fly tackle or perhaps a party boat that offers a day or night fishing trip to the pristine coral reefs for snapper or grouper. Remember you don't have to be a legend or a writer to enjoy big game fishing in the Florida Keys, but you may run the risk of becoming a legend in your own time.
Types of Fishing in Key West: Key West Flats Fishing The most unique and addictive angling in the world can be found in the clear backcountry waters off Key West. Famous modern day anglers such as Flip Pallot, Lefty Kreh, and even Jimmy Buffet have all written extensively of their adventures on the flats of the Lower Keys, where the sport was pioneered. Their tales of fly fishing for the enigmatic tarpon, bonefish, and permit, in an environment of unparalleled beauty, have made this the fastest growing segment of saltwater angling. Combining the best of hunting and fishing, a day on the flats with a dedicated Key West guide is a must for any light tackle enthusiast.
Almost anything is possible on an offshore charter, from simply catching dinner to competing in a major billfish tournament, and Key West is where to make it happen Types of Fish Whatever brings you to Key West, even if you are not the avid angler in search of a world record catch, fishing aboard a party fishing vessel can be one of the finest times you will have in Key West. Whether it's a small group on a smaller boat in search of a diving and fishing adventure, an all-day trip with a large group, or night fishing in the summer months, it's all here and it's all funning in Key West.
Key West Fishing is Always In Season! Whether it's sailfish in winter, tarpon in spring, dolphin in summer or kingfish in fall. There's always something biting. Anglers choose fishing in Key West, because no other place like Key West offers such a complete fishing experience. Tail Chaser Fishing Charters has guided thousands of anglers, from novice to expert to the trip of their lifetime, again and again. Check out our new photo gallery, see just a few of the many happy customers who made Tail chaser their sport fishing charter.
WELCOME To Key West's most complete fishing charter and reservations service on the Net sponsored by Local Key West Captains. Our goal is to provide you with unparalleled service and to make sure you fish with one of Key West's finest captains. Whether it’s Blue Marlin, sailfish, mahi-mahi, and tuna in the Atlantic, bonefish and tarpon in the flats, or ferocious sharks we have the perfect guide for you. Here's WHY 15 or more years of experience. Tournament Winning Guides, Quality, PERFORMANCE! Boats, Finest Equipment, Any Skill Level, Fully certified and insured, Our Guides have been Seen on: ESPN, Sunshine Network, and OLN, Also featured in the magazines: Sport Fishing, and Florida Sportsman!
Key West has long been one of the premier fishing destinations in the world. It is known for its great offshore fishing and for the variety of fish available in the tropical waters. The angler has a wide choice of offshore trolling, wreck fishing, light tackle, back country and flats fishing. For the less adventuresome who would like to get out on the water and catch dinner. You can fish with the captain on a regular basis either the Gulf of Mexico or the Atlantic side of the islands. Nowhere else in the world can offer such a variety of choices in target species and tackle varieties. Peps fishing charters offer even the more conservative angler a chance to experience the thrill of catching fish, possibly dinner. Many first timers and families can spend a day or half day on the water and take their catch of cleaned the Captain snapper, grouper, grunt or one of the many other
Edible fish to a local restaurant for dinner that evening. r
Whether you are looking for a chance to fish in the Flats of Key West or you are more interested in the life of the offshore Florida environment, we are here to ensure that you choose the charter that is right for you. All of our Captains are ready, willing, and able to make sure that you have a stellar trip no matter where you go. It’s likely that you will end up on the most impressive boat with a highly skilled, entertaining Captain because our Captains all have the most to offer. In fact, our Captains have been called the best in all of Key West.
One of the most exciting types of fishing in Key West is offshore fishing. The reason that offshore fishing is so exciting is because you never know what will be out there and you have no idea of knowing what you might catch. Key West and the surrounding waters are filled with numerous aquatic species and the deeper into the water you go, the more interesting and exotic those species become. When you make the decide to go offshore fishing in Key West you can bet you will be coming home with some fantastic catches for your entire family.
Fishing in Key West: Come and fish in the waters of Key West where fishing legends were born. Ernest Hemingway fished the waters of the Florida Straights between Cuba and Key West for giant blue marlin. Zane Grey applied his angling and writing skills to the in shore and backcountry of the Florida Keys, landing sailfish and giant tarpon. Just a few of the 225 species of game fish that prowl the crystal, clear waters of the Florida Keys. But you don't have to be a legend or a writer to enjoy the thrill of big game fishing year round in the Keys, just bring your boat on down or charter one of ours. Charter boats and guides are available to introduce you to one or more of our natives that bit. Key West Deep sea fishing experienced captains are waiting to take you into the Gulf Stream just minutes away from the dock where you can test your angling skills against the sailfish and marlin.
Key West Backcountry guides have staked out the flats where tarpon and bonefish await the anglers preferring to use light spin or fly tackle or perhaps a party boat that offers a day or night fishing trip to the pristine coral reefs for snapper or grouper. Remember you don't have to be a legend or a writer to enjoy big game fishing in the Florida Keys, but you may run the risk of becoming a legend in your own time.
Types of Fishing in Key West: Key West Flats Fishing The most unique and addictive angling in the world can be found in the clear backcountry waters off Key West. Famous modern day anglers such as Flip Pallot, Lefty Kreh, and even Jimmy Buffet have all written extensively of their adventures on the flats of the Lower Keys, where the sport was pioneered. Their tales of fly fishing for the enigmatic tarpon, bonefish, and permit, in an environment of unparalleled beauty, have made this the fastest growing segment of saltwater angling. Combining the best of hunting and fishing, a day on the flats with a dedicated Key West guide is a must for any light tackle enthusiast.
Almost anything is possible on an offshore charter, from simply catching dinner to competing in a major billfish tournament, and Key West is where to make it happen Types of Fish Whatever brings you to Key West, even if you are not the avid angler in search of a world record catch, fishing aboard a party fishing vessel can be one of the finest times you will have in Key West. Whether it's a small group on a smaller boat in search of a diving and fishing adventure, an all-day trip with a large group, or night fishing in the summer months, it's all here and it's all funning in Key West.
Advantage Merchant
This account might take a little time and effort to find. But if you manage to find one, it will boost your business prospects in the long run. A low rate merchant account is your choice for your money management. A typical merchant account of this type offers set-up for fee. You pay one set-up fee unless you are purchasing a terminal, PC software. So, for most accounts, you'll pay around $99 to set-up the merchant account and Merchant America service. Some merchants are seasonal, so they don't process for months on end. Therefore, for those months, they pay nothing. One monthly fee does it all. If you have a discount merchant account, that same account can include processing for credit cards, debit cards, check services, check collection and Merchant America all for one low monthly fee.
Avoid poor quality or expensive services. Wait till you find an ideal service provider at your ideal monthly rate. With so many merchant account service providers, you will certainly be able to find your preferred merchant account plan with ease. For you, merchant accounts could mean increased profits, but at a high cost they could also mean a loss in revenue. Ensure that you're getting the low cost account to which you're entitled. Our advice is not to waste time with sub-standard business accounts that charge needless levies and provide inefficient service. If you commit to the very first merchant account service you happen to come across and engage its services without applying any thought, then you are bound to be in trouble. You'll end up paying way too much, and later, rue your decision.
Speedy, real-time Merchant Account set up is a great way to really streamline your payment processing. If you own or operate your own business and are starting out, chances are you do not want to spend a lot of money in the initial stage. Fortunately there are many merchant accounts provider out there that offer reasonable fees and prices for small businesses. Creating an Inexpensive Merchant Account. To simplify the billing, Merchant Discount falls into three pricing categories: Qualified Discount Rate: It is the discount rate you see advertised is referred to as your qualified rate and is a percentage taken from every dollar charged. Low Cost Merchant Account Carries Great Dividend. A low cost merchant account costs little, but provides enormous benefits to business owners, especially those interested in boosting sales but keeping payroll down. Besides, you do not have to sacrifice quality either when looking for merchant discounts to accept online payments from your customers. Considering all the features that are incorporated in a payment processing setup, a low cost merchant account is a bargain in more ways than one!
Discount Rate is the rate that is charged by the processor taking out a certain percentage from each transaction. Every bank charges a discount rate for processing credit cards. The processor also charges a small percentage of the transaction to handle the transaction for your business. There are two types of discount rates in credit card processing. Keyed Discount Rate and Swiped Discount Rate. Keyed Discount Rate: Keyed processing is done by entering or "keying" numbers into the terminal by hand. The rates for the keyed processing are higher than for the swiped processing because there is more risk involved. Keyed accounts could vary from: online ordered items that are keyed into the terminal, telephone orders that are keyed, or a retail store that cannot read the card's code has to be keyed into the terminal. Swiped Discount Rate: Many times swiped rates are much lower than keyed rates. The risk in the keyed rate is much higher therefore the swiped processing rate is lower. The reason for this is that a swiped rate, the card is present when the merchant runs it through the terminal.
The keyed rate, the card does not necessarily have to be present and the rate is higher. Our terminals are designed for keyed and swiped transactions in one. Please contact us if interested in our Value-Enhanced Terminal Equipment. This section is provided for information purposes only. The terms and conditions of your merchant account are between you and your bank or merchant provider, and should be consulted for specific information related to your merchant agreement with your bank or merchant provider. A merchant account is required to accept credit cards. A merchant account is a special account with a bank that is a member of the Visa and MasterCard associations. Such a bank has been certified by Visa and MasterCard associations and can provide you, the merchant, with all of the services related to your merchant account. Once your merchant account is setup and "live" on the credit card system, you can accept credit cards from customers generally as follows.
A customer presents their credit card for payment, Using their credit card number, you submit an electronic request to the processing network for "authorization to capture funds" from the cardholder's credit card account in the amount of the purchase. Traditionally, one would submit this request by swiping a credit card through an electronic transaction terminal provided by the bank, this request is provided electronically to our payment gateway servers, which then route the request along the processing network. The processing network immediately receives your electronic request and determines if the cardholder's account is valid and if the funds are available. If they are, the processing network returns an electronic response to your terminal or computer. This response is called an "authorization code", and is your guaranteed authorization to capture the funds. Typically, this code is a six-digit number. The transaction and its associated authorization are stored in a "batch", where other transactions for that day reside.
You print a receipt for the customer using the electronic terminal or your computer and the customer signs the receipt. As far as the customer is concerned, the transaction is complete. As far as you the merchant are concerned, there is one more step to complete the transaction. At the end of your business day you submit a final request to the processing network to go ahead and "capture the funds" that you obtained authorizations for during the course of business that day. This is called settlementor settling your batch. This request is also submitted using the electronic terminal or your computer. The processing network immediately receives your response electronically and determines if the capture amounts contained in your request match the authorizations for each item. If so, the request is granted and an "Accepted" response is returned to your electronic terminal or computer. A settlement report can be printed showing the grand totals by card type for the settled batch. Note: any corrections to your batch, such as voiding a transaction, must be made prior to settlement.
Within 48 to 72 hours the funds associated with the batch you settled are deposited electronically into your business bank account. Typically, the discount rate you pay to your merchant account provider are deducted from the deposit before it transferred to your bank account, resulting in a "net deposit" of funds. At the end of the month, your merchant account provider will mail a statement to you, detailing the credit card activity for the month and the associated fees you have been charged for such. Now that you understand the basics of how a credit card merchant account works, you can see the role that has in the processing of your credit card transactions.
Understanding your merchant provider’s rates and fees. All banks and merchant providers require "transaction fees" from you for accepting credit cards. Typically, these fees are broken down into 3 categories: a discount rate, a transaction fee, and monthly fees. For the bank's purposes, a transaction is usually defined as any communication between you and the processing network. A "credit" transaction is treated the same as a regular transaction. Settling a batch is usually considered a transaction as well, as it involves communication with the processing network.
Discount Rate, This is the percentage of the total transaction amount that the bank will usually deduct prior to transferring your deposit into your bank account. Typical discount rates range from 2.5% to 5%, depending on your type of business and other factors. A higher rate may be charged on individual transactions if the transaction doesn't conform to certain qualifications, as described by your bank or merchant provider. For instance, accepting a Visa Business Card" credit card may cost you 1% more than regular transactions. The reasons for these non-qualified transaction surcharges and complete details on all transaction qualifications should be discussed with your bank or merchant provider. Address Verification may also fall into this category when not used properly. Address Verification described below.
Transaction Fees, This is a flat amount that you pay for each transaction. Typical transaction fees range from 30 cents to 50 cents per transaction. Monthly Fees, These are fees charged for other account related services, such as customer service, your monthly statement, network access fees, and minimum monthly fees. All the fees and charges are required to be disclosed to you prior to your commitment to the merchant agreement between you and your bank or merchant provider, and are usually enumerated carefully to you in the merchant agreement itself.
Avoid poor quality or expensive services. Wait till you find an ideal service provider at your ideal monthly rate. With so many merchant account service providers, you will certainly be able to find your preferred merchant account plan with ease. For you, merchant accounts could mean increased profits, but at a high cost they could also mean a loss in revenue. Ensure that you're getting the low cost account to which you're entitled. Our advice is not to waste time with sub-standard business accounts that charge needless levies and provide inefficient service. If you commit to the very first merchant account service you happen to come across and engage its services without applying any thought, then you are bound to be in trouble. You'll end up paying way too much, and later, rue your decision.
Speedy, real-time Merchant Account set up is a great way to really streamline your payment processing. If you own or operate your own business and are starting out, chances are you do not want to spend a lot of money in the initial stage. Fortunately there are many merchant accounts provider out there that offer reasonable fees and prices for small businesses. Creating an Inexpensive Merchant Account. To simplify the billing, Merchant Discount falls into three pricing categories: Qualified Discount Rate: It is the discount rate you see advertised is referred to as your qualified rate and is a percentage taken from every dollar charged. Low Cost Merchant Account Carries Great Dividend. A low cost merchant account costs little, but provides enormous benefits to business owners, especially those interested in boosting sales but keeping payroll down. Besides, you do not have to sacrifice quality either when looking for merchant discounts to accept online payments from your customers. Considering all the features that are incorporated in a payment processing setup, a low cost merchant account is a bargain in more ways than one!
Discount Rate is the rate that is charged by the processor taking out a certain percentage from each transaction. Every bank charges a discount rate for processing credit cards. The processor also charges a small percentage of the transaction to handle the transaction for your business. There are two types of discount rates in credit card processing. Keyed Discount Rate and Swiped Discount Rate. Keyed Discount Rate: Keyed processing is done by entering or "keying" numbers into the terminal by hand. The rates for the keyed processing are higher than for the swiped processing because there is more risk involved. Keyed accounts could vary from: online ordered items that are keyed into the terminal, telephone orders that are keyed, or a retail store that cannot read the card's code has to be keyed into the terminal. Swiped Discount Rate: Many times swiped rates are much lower than keyed rates. The risk in the keyed rate is much higher therefore the swiped processing rate is lower. The reason for this is that a swiped rate, the card is present when the merchant runs it through the terminal.
The keyed rate, the card does not necessarily have to be present and the rate is higher. Our terminals are designed for keyed and swiped transactions in one. Please contact us if interested in our Value-Enhanced Terminal Equipment. This section is provided for information purposes only. The terms and conditions of your merchant account are between you and your bank or merchant provider, and should be consulted for specific information related to your merchant agreement with your bank or merchant provider. A merchant account is required to accept credit cards. A merchant account is a special account with a bank that is a member of the Visa and MasterCard associations. Such a bank has been certified by Visa and MasterCard associations and can provide you, the merchant, with all of the services related to your merchant account. Once your merchant account is setup and "live" on the credit card system, you can accept credit cards from customers generally as follows.
A customer presents their credit card for payment, Using their credit card number, you submit an electronic request to the processing network for "authorization to capture funds" from the cardholder's credit card account in the amount of the purchase. Traditionally, one would submit this request by swiping a credit card through an electronic transaction terminal provided by the bank, this request is provided electronically to our payment gateway servers, which then route the request along the processing network. The processing network immediately receives your electronic request and determines if the cardholder's account is valid and if the funds are available. If they are, the processing network returns an electronic response to your terminal or computer. This response is called an "authorization code", and is your guaranteed authorization to capture the funds. Typically, this code is a six-digit number. The transaction and its associated authorization are stored in a "batch", where other transactions for that day reside.
You print a receipt for the customer using the electronic terminal or your computer and the customer signs the receipt. As far as the customer is concerned, the transaction is complete. As far as you the merchant are concerned, there is one more step to complete the transaction. At the end of your business day you submit a final request to the processing network to go ahead and "capture the funds" that you obtained authorizations for during the course of business that day. This is called settlementor settling your batch. This request is also submitted using the electronic terminal or your computer. The processing network immediately receives your response electronically and determines if the capture amounts contained in your request match the authorizations for each item. If so, the request is granted and an "Accepted" response is returned to your electronic terminal or computer. A settlement report can be printed showing the grand totals by card type for the settled batch. Note: any corrections to your batch, such as voiding a transaction, must be made prior to settlement.
Within 48 to 72 hours the funds associated with the batch you settled are deposited electronically into your business bank account. Typically, the discount rate you pay to your merchant account provider are deducted from the deposit before it transferred to your bank account, resulting in a "net deposit" of funds. At the end of the month, your merchant account provider will mail a statement to you, detailing the credit card activity for the month and the associated fees you have been charged for such. Now that you understand the basics of how a credit card merchant account works, you can see the role that has in the processing of your credit card transactions.
Understanding your merchant provider’s rates and fees. All banks and merchant providers require "transaction fees" from you for accepting credit cards. Typically, these fees are broken down into 3 categories: a discount rate, a transaction fee, and monthly fees. For the bank's purposes, a transaction is usually defined as any communication between you and the processing network. A "credit" transaction is treated the same as a regular transaction. Settling a batch is usually considered a transaction as well, as it involves communication with the processing network.
Discount Rate, This is the percentage of the total transaction amount that the bank will usually deduct prior to transferring your deposit into your bank account. Typical discount rates range from 2.5% to 5%, depending on your type of business and other factors. A higher rate may be charged on individual transactions if the transaction doesn't conform to certain qualifications, as described by your bank or merchant provider. For instance, accepting a Visa Business Card" credit card may cost you 1% more than regular transactions. The reasons for these non-qualified transaction surcharges and complete details on all transaction qualifications should be discussed with your bank or merchant provider. Address Verification may also fall into this category when not used properly. Address Verification described below.
Transaction Fees, This is a flat amount that you pay for each transaction. Typical transaction fees range from 30 cents to 50 cents per transaction. Monthly Fees, These are fees charged for other account related services, such as customer service, your monthly statement, network access fees, and minimum monthly fees. All the fees and charges are required to be disclosed to you prior to your commitment to the merchant agreement between you and your bank or merchant provider, and are usually enumerated carefully to you in the merchant agreement itself.
Money Transfers
A balance transfer can be explained simply as a balance transfer when a balance is transferred usually from a credit card, but possible from a bank account or loan to a credit card with a offer interest rate a set period. It does not have to be the entire amount. The card receiving the balance will an interest rate for a set term, normally 6 months, but can be 9 months or even a year. Take a look at the current balance transfer deals currently available at This will give you a flavor of the typical kind of deal available.
It is important to remember that a balance transfer does not mean that the debt has gone away. It just means you are not paying interest on it. You will still have to maintain payments. This may seem obvious but many people do not get this straight in their mind. The basic criteria for getting a balance transfer are when you regularly have an outstanding balance after making your monthly payments. This is the amount you should look to transfer to another card. This will mean that for the period of the offer you will pay no interest on the balance provided you make the minimum payments. You should be very wary of taking up a balance transfer, if your overall debt is increasing. A balance transfer is not a green light to spend more money. The money you save should be used to decrease your debt.
You need to be aware of the following when looking for a balance transfer card, Good things. Length of offer period. Offer Interest Rate. The zero or low interest rate charged on the balance. Possible transfers from loans and overdrafts. On some cards you can transfer from existing loans and overdrafts and still get the offer. Bad things. Cut-off period for the balance transfer offer. Hidden Charges on transfers. Some banks will charge a handling fee on the balance transfer. There is usually a cut off point from the account opening when the offer is no longer valid. Be very aware of this otherwise you could end up transferring a balance to a higher rate!!
Unless there is also a 0% interest rate on new purchases then you should avoid making new purchases on a balance transfer card. This is because the banks will look to reduce the balance transfer debt quicker than the new debt. Provided your credit history is reasonable, there is nothing stopping you having several cards for different purposes. A good way is to have a card, which specializes in 0% on new purchases.
When the balance transfer offer period finishes the debt will revert to the typical variable APR. The lenders hope at this point that the cardholder will retain the card and some of the debt, so they can then start charging interest and making some money! So take into consideration the low interest rate credit cards. However, there is nothing stopping the disciplined credit card holder from switching to another balance transfer deal and closing the account. The cycle then starts again. Always allow 6 weeks to 8 weeks before the end of the offer period to apply for a new card.
This means you can get the balance transferred to the new card before the lender can start charging the higher rate. You have to be organized to do this, but if you are it does work. People who regularly switch balances are know as card tarts.The Golden Rules, There are three things to look out for with a balance transfer card. As mentioned previously, the unsuspecting can get caught out when spending on a balance transfer card. Maintaining regular payments. If you miss a payment you incur some penalty, so be aware. To be safe set up a direct debit. The interest rate applied when the offer period finishes. Good luck with your choice.
Despite the credit crunch that we have heard so much about in recent months, low rates of interest can still be available to the UK consumer. Many credit card providers seek to attract new customers with introductory offers of low rates of interest These rates can even be zero. For a small percentage fee you could transfer your debts from a credit card with a high rate to a new account with perhaps a zero rate which can be held in some case for up to fifteen months. As a short term solution it can be a way of helping ease the pressure of debts and allow a window of opportunity to obtain funds to pay off the debts perhaps by selling assets, obtaining new employment or downsizing your property.
Key things to watch out for if you are considering a balance transfer, New card spending Don’t be tempted to spend on the new card – Any new amounts you put on to the account won’t benefit from the introductory offer and typically will be the last amounts to be paid off. One simple tip would be to leave the card at home when you go out to reduce the temptation to spend on it. That said read the small print as some have a ‘no-spending’ clause which would result in the removal of the introductory rate if you don’t spend a certain amount within a certain time period. Old card spending. Don’t be tempted to spend on the old card either – You run the risk of racking up the same level of debts again. Once you have transferred the debt, cut up the card and close the account.
Normal Interest Rate- Remember though that once the introductory period expires then the interest rate will revert to the card’s normal rate. Care should be taken to ensure that if you are not going to pay off the debts in full then the normal rate would still be better than your original provider. Alternatively you could of course consider jumping again to another introductory offer. Interest free term. Some credit card providers are offering for an interest free term of a year or more but tend to make up for this by charging a transfer fee.
Transfer fee-Card providers may bemoan customer disloyalty displayed by certain people who become “Rate Tarts” but they all offer the same type of deals and benefit from the transfer fees which can be up to 3%. There are providers who offer no-fee transfers so it does pay to shop around but remember it is only the interest that is frozen and that you will still have to make monthly payments in accordance with the terms and conditions. Paying off the debt. It is important to pay off as much as you can as you go along so that you become debt free as soon as possible. If you just make the minimum monthly repayments it will take too long to clear the debt in full and you run the risk of incurring costs when the introductory period runs out.
Annual fees. Some cards have annual fees which may be added to your balance and depending on payment hierarchy you could be charged interest on the fee.
Other perks-If you are looking to transfer a balance as a way of improving your finances don’t be swayed by other perks offered by the credit card providers such as cash-back bonuses, air miles, insurance or how cool/cute the card looks. Stay focused on what is important and that is the cost. Impact on credit rating-Credit agencies will monitor how many cards you have and what is outstanding on your cards so it can impact your credit rating. You could also be refused more credit it you have too much outstanding or given a lower credit rating. If you are concerned about your rating you should find out how much credit a new provider will give you. It is very important to close your old credit card account.
Debt merry-go-round-Theoretically you can transfer balances from card to card to card for many years, particularly if you always make your payments on time and your credit rating is high enough. What should be avoided is getting on to a balance transfer merry-go-round where you transfer the same balance repeatedly without ever paying it off in full. The result of this is that you incur transfer fees time and again. Worse still you also run the risk that you slip off on the debt merry-go-round, where you transfer a balance, don’t close your old account, incur further debt and though you may have saved on some interest rate costs, your debt problem has doubled. As mentioned before balance transfers can be a useful tool in addressing your debt problems but they are only a short term measure. If you have debt worries, you may benefit from speaking to a professional on a free and confidential basis.
It is important to remember that a balance transfer does not mean that the debt has gone away. It just means you are not paying interest on it. You will still have to maintain payments. This may seem obvious but many people do not get this straight in their mind. The basic criteria for getting a balance transfer are when you regularly have an outstanding balance after making your monthly payments. This is the amount you should look to transfer to another card. This will mean that for the period of the offer you will pay no interest on the balance provided you make the minimum payments. You should be very wary of taking up a balance transfer, if your overall debt is increasing. A balance transfer is not a green light to spend more money. The money you save should be used to decrease your debt.
You need to be aware of the following when looking for a balance transfer card, Good things. Length of offer period. Offer Interest Rate. The zero or low interest rate charged on the balance. Possible transfers from loans and overdrafts. On some cards you can transfer from existing loans and overdrafts and still get the offer. Bad things. Cut-off period for the balance transfer offer. Hidden Charges on transfers. Some banks will charge a handling fee on the balance transfer. There is usually a cut off point from the account opening when the offer is no longer valid. Be very aware of this otherwise you could end up transferring a balance to a higher rate!!
Unless there is also a 0% interest rate on new purchases then you should avoid making new purchases on a balance transfer card. This is because the banks will look to reduce the balance transfer debt quicker than the new debt. Provided your credit history is reasonable, there is nothing stopping you having several cards for different purposes. A good way is to have a card, which specializes in 0% on new purchases.
When the balance transfer offer period finishes the debt will revert to the typical variable APR. The lenders hope at this point that the cardholder will retain the card and some of the debt, so they can then start charging interest and making some money! So take into consideration the low interest rate credit cards. However, there is nothing stopping the disciplined credit card holder from switching to another balance transfer deal and closing the account. The cycle then starts again. Always allow 6 weeks to 8 weeks before the end of the offer period to apply for a new card.
This means you can get the balance transferred to the new card before the lender can start charging the higher rate. You have to be organized to do this, but if you are it does work. People who regularly switch balances are know as card tarts.The Golden Rules, There are three things to look out for with a balance transfer card. As mentioned previously, the unsuspecting can get caught out when spending on a balance transfer card. Maintaining regular payments. If you miss a payment you incur some penalty, so be aware. To be safe set up a direct debit. The interest rate applied when the offer period finishes. Good luck with your choice.
Despite the credit crunch that we have heard so much about in recent months, low rates of interest can still be available to the UK consumer. Many credit card providers seek to attract new customers with introductory offers of low rates of interest These rates can even be zero. For a small percentage fee you could transfer your debts from a credit card with a high rate to a new account with perhaps a zero rate which can be held in some case for up to fifteen months. As a short term solution it can be a way of helping ease the pressure of debts and allow a window of opportunity to obtain funds to pay off the debts perhaps by selling assets, obtaining new employment or downsizing your property.
Key things to watch out for if you are considering a balance transfer, New card spending Don’t be tempted to spend on the new card – Any new amounts you put on to the account won’t benefit from the introductory offer and typically will be the last amounts to be paid off. One simple tip would be to leave the card at home when you go out to reduce the temptation to spend on it. That said read the small print as some have a ‘no-spending’ clause which would result in the removal of the introductory rate if you don’t spend a certain amount within a certain time period. Old card spending. Don’t be tempted to spend on the old card either – You run the risk of racking up the same level of debts again. Once you have transferred the debt, cut up the card and close the account.
Normal Interest Rate- Remember though that once the introductory period expires then the interest rate will revert to the card’s normal rate. Care should be taken to ensure that if you are not going to pay off the debts in full then the normal rate would still be better than your original provider. Alternatively you could of course consider jumping again to another introductory offer. Interest free term. Some credit card providers are offering for an interest free term of a year or more but tend to make up for this by charging a transfer fee.
Transfer fee-Card providers may bemoan customer disloyalty displayed by certain people who become “Rate Tarts” but they all offer the same type of deals and benefit from the transfer fees which can be up to 3%. There are providers who offer no-fee transfers so it does pay to shop around but remember it is only the interest that is frozen and that you will still have to make monthly payments in accordance with the terms and conditions. Paying off the debt. It is important to pay off as much as you can as you go along so that you become debt free as soon as possible. If you just make the minimum monthly repayments it will take too long to clear the debt in full and you run the risk of incurring costs when the introductory period runs out.
Annual fees. Some cards have annual fees which may be added to your balance and depending on payment hierarchy you could be charged interest on the fee.
Other perks-If you are looking to transfer a balance as a way of improving your finances don’t be swayed by other perks offered by the credit card providers such as cash-back bonuses, air miles, insurance or how cool/cute the card looks. Stay focused on what is important and that is the cost. Impact on credit rating-Credit agencies will monitor how many cards you have and what is outstanding on your cards so it can impact your credit rating. You could also be refused more credit it you have too much outstanding or given a lower credit rating. If you are concerned about your rating you should find out how much credit a new provider will give you. It is very important to close your old credit card account.
Debt merry-go-round-Theoretically you can transfer balances from card to card to card for many years, particularly if you always make your payments on time and your credit rating is high enough. What should be avoided is getting on to a balance transfer merry-go-round where you transfer the same balance repeatedly without ever paying it off in full. The result of this is that you incur transfer fees time and again. Worse still you also run the risk that you slip off on the debt merry-go-round, where you transfer a balance, don’t close your old account, incur further debt and though you may have saved on some interest rate costs, your debt problem has doubled. As mentioned before balance transfers can be a useful tool in addressing your debt problems but they are only a short term measure. If you have debt worries, you may benefit from speaking to a professional on a free and confidential basis.
Best Affiliate
Online affiliates are like business associates who help in promoting the products and services offered by a merchant. One of the primary requirements for this kind of marketing is a website. Therefore affiliate marketers of online affiliates are basically website publishers or owners. As business enterprises flourish in all parts of the world, the market is over saturated with products and services. To keep their business going, the business heads make use of every nerve to get hold of the customers. Apart from spending large amount of capital on advertising and promotions in the mainstream media, the firms are now knocking the doors of the online advertising and marketing authorities. The best examples of such industrious men who take upon the mediated messages campaign are the affiliates or super affiliates.
Best Affiliates and super affiliates: In affiliate marketing industry there are plenty of professionals who have achieved a great deal of success in terms of remunerations and their own credibility in the industry. Super-affiliates is the name given to affiliates who are able to make more than 10,000 dollars a month. Now that is some amount. There is no clear definition for a best affiliate, but by looking at some of the prospective business results and growth in the industry we can have a fair idea as who a best affiliate marketer is.
Traits found in the best affiliates: Best affiliates are market gurus; true products of the online marketing industry. It is a general finding that affiliates who have a good exposure of e-commerce and advertising do fine as affiliates. The primary skill set involved in affiliate business encompasses advertising and selling. People who have been engaged in one of these practices can really do wonders in online marketing. The second interesting fact about the best affiliate marketers is that they are proficient in web development. Web development is a holistic term and involves various aspects like the website design, website promotion, search engines and optimizations, etc.
Key to success: To be a successful affiliate you have to be the best and for that you need to work out on every strategy and move that you make. Starting from the development of your own website, you can keep on reevaluating the content and design; at the same time keeping in mind your audience and potential customers. Try to find out what the customer wants and how you can convert most of the audience members into customers.
Keep a record of every thing. It is like managing a firm. You must store all information, all statistics and all findings at one place. By analyzing the facts and figures you can bring in more value to your affiliate business. Go for the best affiliate program. The best affiliates in the industry know where to dig. Take your time and select an appropriate affiliate program. The program must meet both your requirements as well as the requirements of your website.
A website is more or less like a shop or store. It has to have that look and feel; after all you are selling like shopkeepers do. There should be enough space to look around; a range or collection of articles and your shop must be on the right street and visible to all. To boost up your sales you can give your customers incentives, like product reviews, specifications, user manuals, advertisements and may be some funny jokes also. All this helps in retaining your visitors and the probability of their visiting again to buy increases.
Selling products and services through the Internet is unquestionably easier and much more rewarding compared to traditional marketing methods. The fact that there are millions of people worldwide logging online each day and there is an enormous possibility for any merchant to sell his or her products and generate huge income. However, marketers are not the only ones who can benefit from online selling. A booming industry nowadays, provides a tremendous opportunity as well to individuals as affiliate marketers. In affiliate marketing, an affiliate marketer doesn’t need to have his own products and or services to sell. All he or she needs to do is to refer people to the merchant’s business site for them to buy the products and thereby, receive a commission.
The major factor to an affiliate marketer’s success is to choose a good affiliate program and to employ proven marketing techniques in promoting or selling the products to consumers. Why select just the good and not the best affiliate program? The reason is that no one affiliate program is the best affiliate marketing program, as one program might make one affiliate marketer a millionaire and the other a frustrated marketer. In other words, any affiliate marketing program can be a success to one and a failure to another. But there are many good affiliate marketing programs to start with. How to make it the best depends on you.
But before you think how you are going to make it the best and financially rewarding, first think about how you are going to land on a good affiliate program with the thousands of affiliate marketing opportunities going live on the Internet today. Review the following tips and suggestions on how to best select the affiliate program that’s right for you.
Top affiliates know which beats to play and rather than putting few commercials on their websites they focus on giving their customers a shopping experience which no one can. It is pure experimentation but then the people who make it are adept with the tools and techniques they utilize.
Best Affiliates and super affiliates: In affiliate marketing industry there are plenty of professionals who have achieved a great deal of success in terms of remunerations and their own credibility in the industry. Super-affiliates is the name given to affiliates who are able to make more than 10,000 dollars a month. Now that is some amount. There is no clear definition for a best affiliate, but by looking at some of the prospective business results and growth in the industry we can have a fair idea as who a best affiliate marketer is.
Traits found in the best affiliates: Best affiliates are market gurus; true products of the online marketing industry. It is a general finding that affiliates who have a good exposure of e-commerce and advertising do fine as affiliates. The primary skill set involved in affiliate business encompasses advertising and selling. People who have been engaged in one of these practices can really do wonders in online marketing. The second interesting fact about the best affiliate marketers is that they are proficient in web development. Web development is a holistic term and involves various aspects like the website design, website promotion, search engines and optimizations, etc.
Key to success: To be a successful affiliate you have to be the best and for that you need to work out on every strategy and move that you make. Starting from the development of your own website, you can keep on reevaluating the content and design; at the same time keeping in mind your audience and potential customers. Try to find out what the customer wants and how you can convert most of the audience members into customers.
Keep a record of every thing. It is like managing a firm. You must store all information, all statistics and all findings at one place. By analyzing the facts and figures you can bring in more value to your affiliate business. Go for the best affiliate program. The best affiliates in the industry know where to dig. Take your time and select an appropriate affiliate program. The program must meet both your requirements as well as the requirements of your website.
A website is more or less like a shop or store. It has to have that look and feel; after all you are selling like shopkeepers do. There should be enough space to look around; a range or collection of articles and your shop must be on the right street and visible to all. To boost up your sales you can give your customers incentives, like product reviews, specifications, user manuals, advertisements and may be some funny jokes also. All this helps in retaining your visitors and the probability of their visiting again to buy increases.
Selling products and services through the Internet is unquestionably easier and much more rewarding compared to traditional marketing methods. The fact that there are millions of people worldwide logging online each day and there is an enormous possibility for any merchant to sell his or her products and generate huge income. However, marketers are not the only ones who can benefit from online selling. A booming industry nowadays, provides a tremendous opportunity as well to individuals as affiliate marketers. In affiliate marketing, an affiliate marketer doesn’t need to have his own products and or services to sell. All he or she needs to do is to refer people to the merchant’s business site for them to buy the products and thereby, receive a commission.
The major factor to an affiliate marketer’s success is to choose a good affiliate program and to employ proven marketing techniques in promoting or selling the products to consumers. Why select just the good and not the best affiliate program? The reason is that no one affiliate program is the best affiliate marketing program, as one program might make one affiliate marketer a millionaire and the other a frustrated marketer. In other words, any affiliate marketing program can be a success to one and a failure to another. But there are many good affiliate marketing programs to start with. How to make it the best depends on you.
But before you think how you are going to make it the best and financially rewarding, first think about how you are going to land on a good affiliate program with the thousands of affiliate marketing opportunities going live on the Internet today. Review the following tips and suggestions on how to best select the affiliate program that’s right for you.
Top affiliates know which beats to play and rather than putting few commercials on their websites they focus on giving their customers a shopping experience which no one can. It is pure experimentation but then the people who make it are adept with the tools and techniques they utilize.
Company Formation
Various locations in the world offer money-spinning prospects, which are often connected to another country's mainland or fall in the geographical limitations of such a country. Fortunately, the majority of these regions have their own set of laws governing their relation with other countries; such areas or locations are commonly known as Offshore Centers or Jurisdictions.
These centers usually offer attractive business opportunities to investors from all over the world. This means that there are only a few restrictions, mostly favoring the local population. The advantages are enormous supported by the jurisdictions taxation system and non-cooperation policies with regard to disclosure of information; thus providing complete asset protection for businesses, low or zero tax on income and even no restrictions on money transactions. Offshore Company Formation has held a marvelous record in providing services in company registration and management on all offshore centers across the globe. For those who are interested in starting a business in one or more of these lucrative jurisdictions, we can give you the opportunity and the assistance you need.
At Offshore Company Formation, we have complete solutions for company formations, registrations, management of finances and human resources, legal and real estate affairs, making us one of the most resourceful corporate management companies in the world. Our client base extends beyond geographical boundaries and to all forms of business entities, individual and corporate. In addition, we give you the opportunity to capitalize on the wealth of information gathered and refined by our expert analysts on various business related matters, in particular varying economic conditions and the influence on your business and the industry as a whole.
For the first time, we have developed an innovative process in forming your company on any offshore territory. The online registration process is a systematic approach in seeking a license to perform business activities on an offshore centre. You can select a region to register; a company name, either pick one from the shelf or search a new one for yourself; select from the various accessories services available from Offshore Company Formation, including internet domain registration; fill in the registration form for directors, secretaries and shareholders for the company. You are then set to commence business as soon as your application is processed and approved by the concerned authorities.
Once you have set up your company, you will certainly require a banking organization that will be able to handle your finances in your company's best interest and give you the ultimate support for fund transfers and foreign exchange transactions. In addition, should you wish to control your offshore company remotely, that is not being physically present; Offshore Company Formation will appoint appropriate managing staff to accommodate your business requirements.
We offer our clients highly flexible and valuable services in setting up or outright acquisition of businesses and property for business and personal purposes. These include: Investment companies - parents and subsidiaries, Regular trading companies, Shipping and aviation companies, Insurance and mutual funds management companies, Real estate and property consultancies, Trusts, Private yachts for business and/or personal purposes.
The common characteristics of offshore companies are low or zero tax afforded by the jurisdictions with stronger privacy laws than their onshore counter part. Paradoxically the word “offshore” has also become associated with onshore tax havens and financial centers such as Dubai, Monaco, Liechtenstein, Luxembourg, Hong Kong, Panama and a cluster of jurisdictions in Caribbean.
Although an important factor, should not be the main consideration as there are legal, administrative and fiscal reasons when structuring offshore. We recommend clients carry out extensive research and obtain independent tax advice in the country where the subject is resident. For example, the United Kingdom has the highest number of double taxation treaties in the world as well as the lowest corporation tax and some states in the United States, such as Delaware and Nevada offer some the world’s largest and most popular offshore financial centers.
These centers usually offer attractive business opportunities to investors from all over the world. This means that there are only a few restrictions, mostly favoring the local population. The advantages are enormous supported by the jurisdictions taxation system and non-cooperation policies with regard to disclosure of information; thus providing complete asset protection for businesses, low or zero tax on income and even no restrictions on money transactions. Offshore Company Formation has held a marvelous record in providing services in company registration and management on all offshore centers across the globe. For those who are interested in starting a business in one or more of these lucrative jurisdictions, we can give you the opportunity and the assistance you need.
At Offshore Company Formation, we have complete solutions for company formations, registrations, management of finances and human resources, legal and real estate affairs, making us one of the most resourceful corporate management companies in the world. Our client base extends beyond geographical boundaries and to all forms of business entities, individual and corporate. In addition, we give you the opportunity to capitalize on the wealth of information gathered and refined by our expert analysts on various business related matters, in particular varying economic conditions and the influence on your business and the industry as a whole.
For the first time, we have developed an innovative process in forming your company on any offshore territory. The online registration process is a systematic approach in seeking a license to perform business activities on an offshore centre. You can select a region to register; a company name, either pick one from the shelf or search a new one for yourself; select from the various accessories services available from Offshore Company Formation, including internet domain registration; fill in the registration form for directors, secretaries and shareholders for the company. You are then set to commence business as soon as your application is processed and approved by the concerned authorities.
Once you have set up your company, you will certainly require a banking organization that will be able to handle your finances in your company's best interest and give you the ultimate support for fund transfers and foreign exchange transactions. In addition, should you wish to control your offshore company remotely, that is not being physically present; Offshore Company Formation will appoint appropriate managing staff to accommodate your business requirements.
We offer our clients highly flexible and valuable services in setting up or outright acquisition of businesses and property for business and personal purposes. These include: Investment companies - parents and subsidiaries, Regular trading companies, Shipping and aviation companies, Insurance and mutual funds management companies, Real estate and property consultancies, Trusts, Private yachts for business and/or personal purposes.
The common characteristics of offshore companies are low or zero tax afforded by the jurisdictions with stronger privacy laws than their onshore counter part. Paradoxically the word “offshore” has also become associated with onshore tax havens and financial centers such as Dubai, Monaco, Liechtenstein, Luxembourg, Hong Kong, Panama and a cluster of jurisdictions in Caribbean.
Although an important factor, should not be the main consideration as there are legal, administrative and fiscal reasons when structuring offshore. We recommend clients carry out extensive research and obtain independent tax advice in the country where the subject is resident. For example, the United Kingdom has the highest number of double taxation treaties in the world as well as the lowest corporation tax and some states in the United States, such as Delaware and Nevada offer some the world’s largest and most popular offshore financial centers.
Federal Loan policy
Federal loan consolidation allows you to consolidate your outstanding federal education loans into a single new loan, even if your loans are currently held by more than one lender and are of different loan types. By consolidating your student loans, you can significantly lower your monthly payments by lengthening the term of your loans and locking in a low fixed interest rate. Most importantly, you can save thousands of dollars during the entire repayment term.
Additional Federal Loan Consolidation Benefits: Fixed rates as low as 6.75%, Extended repayment term with lower monthly payments, No fees, No credit chec, No prepayment penalties, Seven flexible repayment plans Turn several monthly payments into one, Fixed rates as low as 6.75%, By locking in the current low rates, you can lock in a fixed rate as low as 6.75%,Extended repayment term with lower monthly payments. By consolidating your loans you can extend your repayment term up to 30 years, depending upon your loan balance. This has the added benefit of lowering your monthly payments, so you are left with more money in your pocket each month.
There are no fees or costs whatsoever for a federal loan consolidation with credit checks. There are no credit checks whatsoever for a federal loan consolidation.. As a matter of fact, consolidating your loans can actually improve your credit rating, as a result of having lower monthly payments. This can actually make it easier for you to qualify for mortgages and other major loans. No prepayment penalties- Although you have the option of extending your repayment term, you will not be charged any fees or penalties for paying off your loans early. This means that if you take advantage of the low consolidation interest rates, you can save thousands even if you pay down your loan early.
Seven flexible repayment plans Seven different repayment plans for your consolidation loans, giving you extreme flexibility for your repayment. We offer the following plans: Equal Payments: This option provides equal monthly payments over the term of the loan. Select 2Graduated Payments: This option allows for interest-only payments for the first 2 years of repayment. In the third year, payments increase to level installments of principal and interest payments for the remaining term of the loan. Select/5Graduated Payments: This option allows for interest-only payments for the first 2 years of repayment. In the third through fifth years, payments increase to include a portion of principal. In the sixth year, payments increase to level installments of principal and interest payments for the remaining term of the loan.
Income-Sensitive Payments: This option provides for payments to be adjusted annually, based on your expected total monthly gross income from employment and all other sources. Your account will initially be disbursed at the Select 2/Graduated repayment plan. After the consolidation loan is disbursed, you must contact your service to qualify. Once eligibility is determined, your service will calculate your new payment. Extended Equal Payments: This option allows up to a 25-year repayment term of equal payments. Extended Select 2 Payments: This option allows up to a 25-year repayment term with the Select 2/Graduated Payment plan. Extended Select 5 Payments: This option allows up to a 25-year repayment term with the Select 5/Graduated Payment plan.
All extended repayment plans are for qualified borrowers with more than $30,000 in eligible loans. Applicants interested in any of the extended repayment plans should contact one of our counselors to determine eligibility. Combine several monthly payments into one.
If you are currently making payments to more than one lender, consolidating your loans allows you to eliminate the complications of having to make multiple payments. Instead, you can combine those payments into one easy monthly payment. Deferment and forbearance available. Loan consolidation is done through the federal loan consolidation program, and thus you retain government benefits such as deferment and forbearance. Like your current federal loans, federal loan consolidations are guaranteed and insured by the federal government.
A deferment is a temporary suspension of loan payments for specific situations such as reenrollment in school, unemployment, or economic hardship Forbearance is a temporary postponement or reduction of the payments on your consolidation loan for a period of time due to financial difficulty.
Additional Federal Loan Consolidation Benefits: Fixed rates as low as 6.75%, Extended repayment term with lower monthly payments, No fees, No credit chec, No prepayment penalties, Seven flexible repayment plans Turn several monthly payments into one, Fixed rates as low as 6.75%, By locking in the current low rates, you can lock in a fixed rate as low as 6.75%,Extended repayment term with lower monthly payments. By consolidating your loans you can extend your repayment term up to 30 years, depending upon your loan balance. This has the added benefit of lowering your monthly payments, so you are left with more money in your pocket each month.
There are no fees or costs whatsoever for a federal loan consolidation with credit checks. There are no credit checks whatsoever for a federal loan consolidation.. As a matter of fact, consolidating your loans can actually improve your credit rating, as a result of having lower monthly payments. This can actually make it easier for you to qualify for mortgages and other major loans. No prepayment penalties- Although you have the option of extending your repayment term, you will not be charged any fees or penalties for paying off your loans early. This means that if you take advantage of the low consolidation interest rates, you can save thousands even if you pay down your loan early.
Seven flexible repayment plans Seven different repayment plans for your consolidation loans, giving you extreme flexibility for your repayment. We offer the following plans: Equal Payments: This option provides equal monthly payments over the term of the loan. Select 2Graduated Payments: This option allows for interest-only payments for the first 2 years of repayment. In the third year, payments increase to level installments of principal and interest payments for the remaining term of the loan. Select/5Graduated Payments: This option allows for interest-only payments for the first 2 years of repayment. In the third through fifth years, payments increase to include a portion of principal. In the sixth year, payments increase to level installments of principal and interest payments for the remaining term of the loan.
Income-Sensitive Payments: This option provides for payments to be adjusted annually, based on your expected total monthly gross income from employment and all other sources. Your account will initially be disbursed at the Select 2/Graduated repayment plan. After the consolidation loan is disbursed, you must contact your service to qualify. Once eligibility is determined, your service will calculate your new payment. Extended Equal Payments: This option allows up to a 25-year repayment term of equal payments. Extended Select 2 Payments: This option allows up to a 25-year repayment term with the Select 2/Graduated Payment plan. Extended Select 5 Payments: This option allows up to a 25-year repayment term with the Select 5/Graduated Payment plan.
All extended repayment plans are for qualified borrowers with more than $30,000 in eligible loans. Applicants interested in any of the extended repayment plans should contact one of our counselors to determine eligibility. Combine several monthly payments into one.
If you are currently making payments to more than one lender, consolidating your loans allows you to eliminate the complications of having to make multiple payments. Instead, you can combine those payments into one easy monthly payment. Deferment and forbearance available. Loan consolidation is done through the federal loan consolidation program, and thus you retain government benefits such as deferment and forbearance. Like your current federal loans, federal loan consolidations are guaranteed and insured by the federal government.
A deferment is a temporary suspension of loan payments for specific situations such as reenrollment in school, unemployment, or economic hardship Forbearance is a temporary postponement or reduction of the payments on your consolidation loan for a period of time due to financial difficulty.
Negligence in world
Personal injury refers to the area of law that seeks to protect victims who are harmed by the negligence of another person or entity. Negligence, in turn, is defined as the failure to act with the prudence that a reasonable person, under the same circumstances, would have exercised. Negligence occurs when a defendant’s conduct imposes an unreasonable risk upon another, which results in injury to that person. Every person has a legal duty which requires that he or she conduct himself according to a certain standard, so as to avoid unreasonable risk to others. If someone fails to conform to that duty and causes injury to another person, he or she may be liable for the damages caused.
Although we do not provide legal advice online, visitors or family of victims who have been injured due to personal injury, whether from a car or truck accident, dog bite, plane crash, railroad accident, mesothelioma, Fosamax, Ketek, medical malpractice, Gadolinium Nephrogenic Systemic Fibrosis NSF, wrongful death or construction accident are free to take advantage of our free consultation program. Simply fill out our free consultation form for the specific area of your interest. The forms are provided at the bottom of each "practice area" page. You may also click the free consultation icon at the top of the page for a complete listing.
Provide complete answers to the form questions. Upon submission, your form will be forwarded to one or more personal injury attorneys. That lawyer will review your form in accordance with our site’s terms and conditions and may contact you to discuss your legal rights, or refer you to an attorney who may be able to assist you. For a free case evaluation by an experienced personal injury attorney and/or a referral to a personal injury attorney who may be able to assist you with a potential personal injury case, please click below on the field of law which best suits your potential case.
Acquired Brain Injury, airplane accident attorney, airline Crash, amusement Park accidents, auto accidents, birth Injury Lawyer, brachial plexus, brain injury lawyers, building and roadway, construction, California personal injury, Car Accidents, Car Accident Death, Cerebral Pals, Cerebral Palsy Symptoms, Cerebral Palsy Treatment, Coding Fraud Whistleblower, Coma Head Injury, Construction Accident, Class Action, Damage Waiver, Cruise Ship Rape, Defective Drugs, Defense Contractor Whistleblower, Dog Bite, Elder Abuse, Energy Fraud Erbs Palsy, Failure to Diagnose Heart Attack or Stroke, False Claims Act Qui Tam, Fatal Car Accidents, Governmental Fraud (Whistle Blower Gadolinium, Head Injury Lawyer, Illegal Bone Transplant, Overtime, Ketek, Kickback Whistleblower, LTD - Long Term Disability, Massachusetts, Medical Malpractice, Medicare Billing Fraud, Medicare Billing, Mesothelioma, Meso Risks (Symptoms), Mesothelioma Diagnosis, Motorcycle Accident, Negligent Security , Nursing Home Abuse, Ortho Evra, Paralysis, Paraplegia, Permax, Product Liability, Product Substitution, Quadriplegia
Railroad Accidents, Rental Car Charges, Rena, Shipbuilding Fraud, Semi Truck Accident
Silicosis, Slip and fall, Spinal Cord Injury, Swimming Pool Death, Taxi accidents, Thorium, Title Insurance, Train Accident, Trasylol, Truck Accident, Tractor Trailer Unbundling Fraud, Unpaid Overtime, Up coding Fraud, Variable Annuities, Wage & Labor, Welding Rods, Whistleblower, Workplace Accidents , Wrongful Death, Yield Burning, Zicam If you have never needed an attorney before, finding one can be a daunting task. How does one go about finding a good attorney and not some shyster? Especially when it comes to personal injury, finding an attorney, and a good one at that, is a must. What resources should you use to find a personal injury attorney? Call your local or state bar association. Most attorneys take the time to join these organizations and provide them with a Curriculum Vita, a fancy phrase for a resume. The bar association should be able to point out a few of their members that concentrate in personal injury law in your area.
By performing a search engine search using the keywords "personal injury attorney" plus the name of your city, you will likely find many to choose from in short order. With more and more attorneys and law firms putting up websites, it has become easier to find an attorney by searching on line. Many law firm websites will provide information that can assist you in dealing with your legal problem, and, in addition, will provide you with background information about an attorney that might interest you. Beware of sponsored links, however. Not every ad you see will be a legitimate attorney.
Much like you would ask a friend for the name of a good doctor or dentist, a friend may also be able to refer you to a good personal injury attorney. Even if your friend has never needed a personal injury attorney, likely he knows of someone who does. Word of mouth advertising is a key advertising strategy for legal firms. They want their clients to be happy with their services and thus refer their friends and relatives to their firm for their legal needs. Indeed, upon first meeting with an attorney, they may likely ask you how you heard about them. It is always pleasing to an attorney to find that you were referred to them by a former or current client.
Yes, even in these modern times when things are instantly accessible via the Internet, the Yellow Pages endure as a popular advertising venue. Flipping to the Yellow Pages of your telephone book under Attorneys you will find that just about every attorney in town has placed an advertisement in there. The listings are generally grouped by concentration, so flip to the Personal Injury pages. Bigger ad does not always mean better attorney. It just means they spent more money to gain exposure.
I grew up in Pennsylvania and through television ads came to associate "personal injury attorney" with none other than Edgar Snyder. I can still picture him pointing his finger at me uttering "There's never a fee unless we get money for you!" Smaller markets will often have local or regional attorneys or law firms advertising on local television stations. Local attorneys are generally easier to deal with during the legwork for your case.
If you have ever used an attorney for a legal problem or real estate transaction, or something of the sort, feel free to ask him or her if they can recommend a personal injury attorney to you. Most attorneys that I have worked for that did not concentrate in personal injury had a short list of attorneys in their head that they could refer clients to if there was a need. While some attorneys do sometimes get kick backs if the case is successful, I have found more often than not, that referrals were based on professional courtesy andReciprocal referrals. Much like you wouldn't refer a friend to a dentist with a bad chair
Although we do not provide legal advice online, visitors or family of victims who have been injured due to personal injury, whether from a car or truck accident, dog bite, plane crash, railroad accident, mesothelioma, Fosamax, Ketek, medical malpractice, Gadolinium Nephrogenic Systemic Fibrosis NSF, wrongful death or construction accident are free to take advantage of our free consultation program. Simply fill out our free consultation form for the specific area of your interest. The forms are provided at the bottom of each "practice area" page. You may also click the free consultation icon at the top of the page for a complete listing.
Provide complete answers to the form questions. Upon submission, your form will be forwarded to one or more personal injury attorneys. That lawyer will review your form in accordance with our site’s terms and conditions and may contact you to discuss your legal rights, or refer you to an attorney who may be able to assist you. For a free case evaluation by an experienced personal injury attorney and/or a referral to a personal injury attorney who may be able to assist you with a potential personal injury case, please click below on the field of law which best suits your potential case.
Acquired Brain Injury, airplane accident attorney, airline Crash, amusement Park accidents, auto accidents, birth Injury Lawyer, brachial plexus, brain injury lawyers, building and roadway, construction, California personal injury, Car Accidents, Car Accident Death, Cerebral Pals, Cerebral Palsy Symptoms, Cerebral Palsy Treatment, Coding Fraud Whistleblower, Coma Head Injury, Construction Accident, Class Action, Damage Waiver, Cruise Ship Rape, Defective Drugs, Defense Contractor Whistleblower, Dog Bite, Elder Abuse, Energy Fraud Erbs Palsy, Failure to Diagnose Heart Attack or Stroke, False Claims Act Qui Tam, Fatal Car Accidents, Governmental Fraud (Whistle Blower Gadolinium, Head Injury Lawyer, Illegal Bone Transplant, Overtime, Ketek, Kickback Whistleblower, LTD - Long Term Disability, Massachusetts, Medical Malpractice, Medicare Billing Fraud, Medicare Billing, Mesothelioma, Meso Risks (Symptoms), Mesothelioma Diagnosis, Motorcycle Accident, Negligent Security , Nursing Home Abuse, Ortho Evra, Paralysis, Paraplegia, Permax, Product Liability, Product Substitution, Quadriplegia
Railroad Accidents, Rental Car Charges, Rena, Shipbuilding Fraud, Semi Truck Accident
Silicosis, Slip and fall, Spinal Cord Injury, Swimming Pool Death, Taxi accidents, Thorium, Title Insurance, Train Accident, Trasylol, Truck Accident, Tractor Trailer Unbundling Fraud, Unpaid Overtime, Up coding Fraud, Variable Annuities, Wage & Labor, Welding Rods, Whistleblower, Workplace Accidents , Wrongful Death, Yield Burning, Zicam If you have never needed an attorney before, finding one can be a daunting task. How does one go about finding a good attorney and not some shyster? Especially when it comes to personal injury, finding an attorney, and a good one at that, is a must. What resources should you use to find a personal injury attorney? Call your local or state bar association. Most attorneys take the time to join these organizations and provide them with a Curriculum Vita, a fancy phrase for a resume. The bar association should be able to point out a few of their members that concentrate in personal injury law in your area.
By performing a search engine search using the keywords "personal injury attorney" plus the name of your city, you will likely find many to choose from in short order. With more and more attorneys and law firms putting up websites, it has become easier to find an attorney by searching on line. Many law firm websites will provide information that can assist you in dealing with your legal problem, and, in addition, will provide you with background information about an attorney that might interest you. Beware of sponsored links, however. Not every ad you see will be a legitimate attorney.
Much like you would ask a friend for the name of a good doctor or dentist, a friend may also be able to refer you to a good personal injury attorney. Even if your friend has never needed a personal injury attorney, likely he knows of someone who does. Word of mouth advertising is a key advertising strategy for legal firms. They want their clients to be happy with their services and thus refer their friends and relatives to their firm for their legal needs. Indeed, upon first meeting with an attorney, they may likely ask you how you heard about them. It is always pleasing to an attorney to find that you were referred to them by a former or current client.
Yes, even in these modern times when things are instantly accessible via the Internet, the Yellow Pages endure as a popular advertising venue. Flipping to the Yellow Pages of your telephone book under Attorneys you will find that just about every attorney in town has placed an advertisement in there. The listings are generally grouped by concentration, so flip to the Personal Injury pages. Bigger ad does not always mean better attorney. It just means they spent more money to gain exposure.
I grew up in Pennsylvania and through television ads came to associate "personal injury attorney" with none other than Edgar Snyder. I can still picture him pointing his finger at me uttering "There's never a fee unless we get money for you!" Smaller markets will often have local or regional attorneys or law firms advertising on local television stations. Local attorneys are generally easier to deal with during the legwork for your case.
If you have ever used an attorney for a legal problem or real estate transaction, or something of the sort, feel free to ask him or her if they can recommend a personal injury attorney to you. Most attorneys that I have worked for that did not concentrate in personal injury had a short list of attorneys in their head that they could refer clients to if there was a need. While some attorneys do sometimes get kick backs if the case is successful, I have found more often than not, that referrals were based on professional courtesy andReciprocal referrals. Much like you wouldn't refer a friend to a dentist with a bad chair
Verification of income
The popular No Income Verification Loan also known as Stated Income - requires No W2's, No Pay stubs, No Tax returns, and No IRS Forms. Available to W-2 wage earners, 1099, Self Employed, and Retired. If you need financing but your income is difficult to prove or document then the answer for you is a Stated Income or No Income Verification loan. Review the Program Details for the available states. There are types of NIV or No Income Verification loans for purchase or refinance that offer up to 95% financing explained below:
Stated income with verified liquid assets Stated Income Verified Assets Loan: Loan approval is based on your stated income, credit history, and verified liquid assets. The Verified Assets should be consistent with the income claimed. Income and assets are stated not verified Stated Income Stated Assets Loan This loan features no assets being verified. You only state your income and state your assets on the application. This program carries a slightly higher rate because the assets are not verified. No longer available on Home Equity Lines or Fixed Rate second mortgages due to credit market. No income is disclosed only verified assets No Ratio Loans - Similar to the programs above except that no income information is provided or verified.
General Requirements: Lenders usually look for a minimum of 2 years of self employment history or employment history in the same field. Proof for minimum of 2 years employment history for self-employed borrowers may be accomplished by obtaining a typed letter from a accountant/CPA on their company letterhead to get verification of the borrowers self employment. If an accountant is not available, two years of business license or confirmation from 3 disinterested business associates may be required. Your ability to qualify for the loan is based on the income stated on the application. The income must be in line with your occupation. Credit & Reserves:
Borrowers generally need credit FICO scores over 620, with the mortgage not over 30 days past due in the last 12 months. Loan Programs offered on 6 mo adjustable, 2, 3, 5, & 7 year ARM's. The borrower should have 2 to 4 months of the mortgage payment in liquid cash reserves on a purchase or refinance for the best rate. Liquid Cash Reserves can be from checking, savings, cash, CD's, money market accounts, stocks, bonds, and IRA’s, 401k, and Keogh accounts. On cash out refinances, reserves can come from the loan proceeds and the credit score may need to be higher. The other programs 15 yr fixerequire less reserve.
Some NIV or stated income programs have credit FICO scores as low as 600 with higher debt to income ratios. Of course you can always inquire of your particular situation and see what we can offer. No Income Verification Mortgage is a type of loan program in which the loan applicant discloses the amount of his income, but is not required to prove it to the lender bank. In other words, the applicant does not submit paycheck stubs, W2s, tax returns and the like throughout the loan process. The loan application is underwritten base on the borrower disclosed income and other qualifying criteria.
We current have for a No Income Verification Loan program that offers the interest rates of a Full Documentation program. That's right. We are offering our clients a mortgage with the lowest interest rates promulgated by Fannie Mae and Freddie Mac, but with the ease and convenience of No Income Verification. Freddie Mac publishes a weekly interest rate survey, which can be found on the Freddie Mac website and on the lower left hand corner of our homepage. Visit our homepage and see what the recent average interest rates are, and imagine you can get those same low rates, even if you cannot furnish income documentations to prove you can afford the mortgage.
This loan offer is ideal for those who have income that are difficult to document. The home buyers we have helped with this No Income Verification home loan have careers where the compensations consist of mostly cash tips, and small business owners. Street vendors, self employed professionals, business owners have incomes that are closely tied to their businesses and can be a nightmare to document. Cash tips earners such as waiters, bell hops, doormen, and taxicab drivers usually have difficulty proving their incomes and can often benefit from this No Income Verification loan program.
There are restrictions to this No Income Verification at Full Doc interest rate offer. First and foremost, the borrower must have good credit histories, with seasoned credit accounts in good standing, and credit scores of 700 and above. Although the applicant's stated income is not verified, it must be reasonable for the type of job he holds. In addition, the loan applicant's employment is verified with the employer either orally or in writing. The applicant's funds used for down payment and necessary closing costs will be verified through the financial institution where the funds are held. In most cases, monthly bank statements showing the necessary funds will suffice. This No Income Check program is also restricted to owner occupied, residential single family homes, duplex, condominiums, and coops. No multi family and commercial properties will be allowed.
Self employed people generally have a harder time finding a lender to give credit for all income, and receiving a fair loan in the processes. A W2 employee is considered a "full documentation" employee, and the loan program they are placed on reflects a lower risk score. If most income is written off on taxes, it can be hard to prove, and therefore receives a high risk score. You will need to look for a lender that offers alternatives to their "full doc" program". Several companies will often give you credit for certain deductions (from your taxes), and you may qualify from those items being added back into your income. Another option is a company that will allow you to use bank statements (usually 2-3 years worth) to prove your income. Not too many companies have this option, but if you do find one, ask if they consider bank statements to be full documentation. Even if you have above average credit scores, it may be worth looking at non prime lenders. When I refinanced my home, I had the same problem.
Stated income with verified liquid assets Stated Income Verified Assets Loan: Loan approval is based on your stated income, credit history, and verified liquid assets. The Verified Assets should be consistent with the income claimed. Income and assets are stated not verified Stated Income Stated Assets Loan This loan features no assets being verified. You only state your income and state your assets on the application. This program carries a slightly higher rate because the assets are not verified. No longer available on Home Equity Lines or Fixed Rate second mortgages due to credit market. No income is disclosed only verified assets No Ratio Loans - Similar to the programs above except that no income information is provided or verified.
General Requirements: Lenders usually look for a minimum of 2 years of self employment history or employment history in the same field. Proof for minimum of 2 years employment history for self-employed borrowers may be accomplished by obtaining a typed letter from a accountant/CPA on their company letterhead to get verification of the borrowers self employment. If an accountant is not available, two years of business license or confirmation from 3 disinterested business associates may be required. Your ability to qualify for the loan is based on the income stated on the application. The income must be in line with your occupation. Credit & Reserves:
Borrowers generally need credit FICO scores over 620, with the mortgage not over 30 days past due in the last 12 months. Loan Programs offered on 6 mo adjustable, 2, 3, 5, & 7 year ARM's. The borrower should have 2 to 4 months of the mortgage payment in liquid cash reserves on a purchase or refinance for the best rate. Liquid Cash Reserves can be from checking, savings, cash, CD's, money market accounts, stocks, bonds, and IRA’s, 401k, and Keogh accounts. On cash out refinances, reserves can come from the loan proceeds and the credit score may need to be higher. The other programs 15 yr fixerequire less reserve.
Some NIV or stated income programs have credit FICO scores as low as 600 with higher debt to income ratios. Of course you can always inquire of your particular situation and see what we can offer. No Income Verification Mortgage is a type of loan program in which the loan applicant discloses the amount of his income, but is not required to prove it to the lender bank. In other words, the applicant does not submit paycheck stubs, W2s, tax returns and the like throughout the loan process. The loan application is underwritten base on the borrower disclosed income and other qualifying criteria.
We current have for a No Income Verification Loan program that offers the interest rates of a Full Documentation program. That's right. We are offering our clients a mortgage with the lowest interest rates promulgated by Fannie Mae and Freddie Mac, but with the ease and convenience of No Income Verification. Freddie Mac publishes a weekly interest rate survey, which can be found on the Freddie Mac website and on the lower left hand corner of our homepage. Visit our homepage and see what the recent average interest rates are, and imagine you can get those same low rates, even if you cannot furnish income documentations to prove you can afford the mortgage.
This loan offer is ideal for those who have income that are difficult to document. The home buyers we have helped with this No Income Verification home loan have careers where the compensations consist of mostly cash tips, and small business owners. Street vendors, self employed professionals, business owners have incomes that are closely tied to their businesses and can be a nightmare to document. Cash tips earners such as waiters, bell hops, doormen, and taxicab drivers usually have difficulty proving their incomes and can often benefit from this No Income Verification loan program.
There are restrictions to this No Income Verification at Full Doc interest rate offer. First and foremost, the borrower must have good credit histories, with seasoned credit accounts in good standing, and credit scores of 700 and above. Although the applicant's stated income is not verified, it must be reasonable for the type of job he holds. In addition, the loan applicant's employment is verified with the employer either orally or in writing. The applicant's funds used for down payment and necessary closing costs will be verified through the financial institution where the funds are held. In most cases, monthly bank statements showing the necessary funds will suffice. This No Income Check program is also restricted to owner occupied, residential single family homes, duplex, condominiums, and coops. No multi family and commercial properties will be allowed.
Self employed people generally have a harder time finding a lender to give credit for all income, and receiving a fair loan in the processes. A W2 employee is considered a "full documentation" employee, and the loan program they are placed on reflects a lower risk score. If most income is written off on taxes, it can be hard to prove, and therefore receives a high risk score. You will need to look for a lender that offers alternatives to their "full doc" program". Several companies will often give you credit for certain deductions (from your taxes), and you may qualify from those items being added back into your income. Another option is a company that will allow you to use bank statements (usually 2-3 years worth) to prove your income. Not too many companies have this option, but if you do find one, ask if they consider bank statements to be full documentation. Even if you have above average credit scores, it may be worth looking at non prime lenders. When I refinanced my home, I had the same problem.
Asbestos Survey
Asbestos is the name for several silicate minerals which are highly fibrous with separable long thin fibers. Asbestos fibers are strong and flexible, having a tensile strength far greater than steel, yet flexible enough to be spun and woven. Due to asbestos being resistant to fire and heat, it is a poor conductor of electricity and has excellent thermal and acoustic properties and certain types being highly resistant to acids and alkalis. Asbestos has been widely used for many applications making it useful for a number of industrial and commercial uses.
The two main groups that asbestos is known as are Serpentine. Chrysotile - white asbestos Mineral or rock consisting mainly of the hydrous silicate of magnesia. Amphibole. A group of minerals with similar crystal structures containing a silicate chain and combinations of chiefly sodium, calcium, iron and aluminium.The most common types of these asbestos minerals are known as: - Chrysotile White Asbestos, Amosite Asbestos, Crocidolite Blue Asbesto, Anthophylite, Tremolite and Actionist Asbestos has been widely used within many products and it is estimated that up to 5,000 products contain asbestos in varying amounts from as little as 0.1% to as much as 10,000.
Some examples of Asbestos Containing Materials Thermal InsulationBoiler insulation, Pipe work insulation, Loose Fill Insulation, Heat Shields, Paper Lining to Preformed Pipe Insulation Sprayed Coatings/Fire ProtectionApplied to Structural Steel Work, Insulation, Sound Proofing, Fire Protection in Ducts Asbestos Insulation Board , Mill Boards and Cement ProductsCeiling/Wall Panels, Linings As Heat And Fire Breaks, Moulding/Beading To Fire Door Glass, Door Panels, Asbestos Cement, Ceiling/Wall Panels Corrugated Roof Sheets, Garages, Infill Panels, Rain Water Goods, Boiler Flues, Barge Boards, Plant Pots, Air Brick Connecting Pieces, Bath Panels, Soffit Boards, Eternite Roof & Wall Tiles, Fume Cabinets, Promenade Tiles, Pressure Pipes, Soil Pipes & Fittings, Window Sills, Window Boxes, Water Tanks
Asbestos Textiles: Fire Blankets, Fire Curtains, Gloves, Electrical Flash guards, Boiler Gaskets/Seals, Ropes, Cable Sheathings, Valve Packing Coatings: Textured Coatings, Bitumen Coatings, Sprayed Coatings, Profile Sheet Coatings, Paper Coating To Fibre Board Flooring Products: Vinyl Floor Tiles, Asphalt Floor Tiles, Paper Backing To Vinyl Flooring, Bituminous Floor Adhesives, Promenade Tiles Other Products: Toilet Cisterns, Sink Pads, Roofing Felts, Bituminous Products, Stair Treads, Damp Proof Courses, Mastics, Paints
Asbestos surveys are an effective way to eliminate asbestos in your building or establishment. Although asbestos is useful, it can be harmful to you and the environment if left unmanaged. That is why regular asbestos surveys should be conducted to ensure that you and your employees are safe. Asbestos is a naturally occurring fiber found in certain rock varieties. It is mainly known for its fire resistance, physical strength, and good thermal and electrical insulation. However, recent studies have shown that over time, asbestos wears down and can become a serious threat to the health and environment.
As asbestos wears down, it emits small fibers invisible to the naked eye. These fibers remain suspended in the air, contributing to pollution and the greenhouse effect. They can also cause serious respiratory illnesses, such as cancer and pneumonia, when inhaled by humans. Asbestos fibers are having also been found in potable water, and even in the lungs of some people.
Because of this, many countries have prohibited the use of asbestos. Others have come up with stricter guidelines in managing asbestos in buildings. In the UK, the government requires regular asbestos surveys to be conducted in all buildings, whether commercial or residential.If you are still using asbestos for your building or establishment, it is best to conduct routine asbestos surveys to ensure the safety of everyone inside. Asbestos surveys are usually offered by private companies following government-mandated guidelines. Surveyors should be accredited by the government and trained in asbestos detection and management.
One company that offers asbestos surveys is Asbestos Surveys and Inspections. Asbestos Survey and Inspections is a UK-based company that offers independent asbestos surveying for your business establishment. We are not affiliated from any contractors or construction firms, so we won’t force you into any decisions unless absolutely necessary. After each inspection, we will provide you with a reader-friendly report detailing the results of the inspection and our recommendations.
There are three types of surveys currently in use in the UK. These arThis type aims to give your establishment a complete inspection to detect the presence of any Asbestos Containing Materials ACMsAll areas of your establishment will be inspected, but nothing will be destroyed or removed.
This is a more extensive version of the Type 1 survey, the main difference being the taking of samples from identified ACMS. The surveyors will examine the samples at a laboratory to determine the type and concentration of asbestos.
This is the most comprehensive type of survey, involving the destruction of ACMs in the building premises. It is usually performed on buildings scheduled for demolition, so that the resulting damage will not cause any problems.
The two main groups that asbestos is known as are Serpentine. Chrysotile - white asbestos Mineral or rock consisting mainly of the hydrous silicate of magnesia. Amphibole. A group of minerals with similar crystal structures containing a silicate chain and combinations of chiefly sodium, calcium, iron and aluminium.The most common types of these asbestos minerals are known as: - Chrysotile White Asbestos, Amosite Asbestos, Crocidolite Blue Asbesto, Anthophylite, Tremolite and Actionist Asbestos has been widely used within many products and it is estimated that up to 5,000 products contain asbestos in varying amounts from as little as 0.1% to as much as 10,000.
Some examples of Asbestos Containing Materials Thermal InsulationBoiler insulation, Pipe work insulation, Loose Fill Insulation, Heat Shields, Paper Lining to Preformed Pipe Insulation Sprayed Coatings/Fire ProtectionApplied to Structural Steel Work, Insulation, Sound Proofing, Fire Protection in Ducts Asbestos Insulation Board , Mill Boards and Cement ProductsCeiling/Wall Panels, Linings As Heat And Fire Breaks, Moulding/Beading To Fire Door Glass, Door Panels, Asbestos Cement, Ceiling/Wall Panels Corrugated Roof Sheets, Garages, Infill Panels, Rain Water Goods, Boiler Flues, Barge Boards, Plant Pots, Air Brick Connecting Pieces, Bath Panels, Soffit Boards, Eternite Roof & Wall Tiles, Fume Cabinets, Promenade Tiles, Pressure Pipes, Soil Pipes & Fittings, Window Sills, Window Boxes, Water Tanks
Asbestos Textiles: Fire Blankets, Fire Curtains, Gloves, Electrical Flash guards, Boiler Gaskets/Seals, Ropes, Cable Sheathings, Valve Packing Coatings: Textured Coatings, Bitumen Coatings, Sprayed Coatings, Profile Sheet Coatings, Paper Coating To Fibre Board Flooring Products: Vinyl Floor Tiles, Asphalt Floor Tiles, Paper Backing To Vinyl Flooring, Bituminous Floor Adhesives, Promenade Tiles Other Products: Toilet Cisterns, Sink Pads, Roofing Felts, Bituminous Products, Stair Treads, Damp Proof Courses, Mastics, Paints
Asbestos surveys are an effective way to eliminate asbestos in your building or establishment. Although asbestos is useful, it can be harmful to you and the environment if left unmanaged. That is why regular asbestos surveys should be conducted to ensure that you and your employees are safe. Asbestos is a naturally occurring fiber found in certain rock varieties. It is mainly known for its fire resistance, physical strength, and good thermal and electrical insulation. However, recent studies have shown that over time, asbestos wears down and can become a serious threat to the health and environment.
As asbestos wears down, it emits small fibers invisible to the naked eye. These fibers remain suspended in the air, contributing to pollution and the greenhouse effect. They can also cause serious respiratory illnesses, such as cancer and pneumonia, when inhaled by humans. Asbestos fibers are having also been found in potable water, and even in the lungs of some people.
Because of this, many countries have prohibited the use of asbestos. Others have come up with stricter guidelines in managing asbestos in buildings. In the UK, the government requires regular asbestos surveys to be conducted in all buildings, whether commercial or residential.If you are still using asbestos for your building or establishment, it is best to conduct routine asbestos surveys to ensure the safety of everyone inside. Asbestos surveys are usually offered by private companies following government-mandated guidelines. Surveyors should be accredited by the government and trained in asbestos detection and management.
One company that offers asbestos surveys is Asbestos Surveys and Inspections. Asbestos Survey and Inspections is a UK-based company that offers independent asbestos surveying for your business establishment. We are not affiliated from any contractors or construction firms, so we won’t force you into any decisions unless absolutely necessary. After each inspection, we will provide you with a reader-friendly report detailing the results of the inspection and our recommendations.
There are three types of surveys currently in use in the UK. These arThis type aims to give your establishment a complete inspection to detect the presence of any Asbestos Containing Materials ACMsAll areas of your establishment will be inspected, but nothing will be destroyed or removed.
This is a more extensive version of the Type 1 survey, the main difference being the taking of samples from identified ACMS. The surveyors will examine the samples at a laboratory to determine the type and concentration of asbestos.
This is the most comprehensive type of survey, involving the destruction of ACMs in the building premises. It is usually performed on buildings scheduled for demolition, so that the resulting damage will not cause any problems.
Investment in Property
Investment, multiple qualified property owners come together to purchase a large, institutional-grade property not as limited partners, but as individual owners. Each co-owner willing to assume the inherent risks and expenses associated with real estate investments, including the fluctuations in the real estate market, receives an individual deed at closing for his or her own undivided fractional interest in the entire tenants in common property. Each 1031 exchange tenants in common property owner has all of the same rights as a single owner and shares the proportionate share of risk, as well as net income or losses, tax benefits, and growth or loss of market value with other 1031 exchange-tenants in common investors. Tenants in common investors in a given multi-tenants industrial complex, for instance, would share in the ownership of the entire triple net lease property, not just one or more specific tenants' spaces. An exchange into tenants in common property allows a qualified real estate investor to defer capital gains taxes in accordance with tenants in common requirements. Complete details of investment requirements, including risks and expenses, are disclosed in the individual property's Offering Memorandum. Please read it carefully before considering investing.
1031 exchange is the most common method for enabling the sale of your commercial property in order to reinvest in another commercial property or multiple commercial properties, deferring all federal and most state capital gains taxes. This transaction is authorized by the IRS and is one of the best options for property investors to rollover their investment commercial properties while preserving as much wealth as possible. 1031 exchanges, structured as tenants in common, provide property investors a range of opportunities to meet personal investment objectives. This includes commercial property type and geographic diversification, and most importantly, the elimination of day-to-day commercial property management obligations. This is simply a method by which a real property owner disposes of one property and acquires another without having to pay any capital gains tax on the transaction. In an ordinary sale transaction, the property owner is taxed on any gain realized by the sale of the property. In an exchange, the tax on the exchange is deferred indefinitely. Investment property sold in any state can be designated as a 1031 tax exchange candidate in the sales contract. This must be stated in the initial sales contract. Any investment property can then be used as a tax deferred exchange vehicle to buy investment property. It does not matter who purchases your property or what they intend to do with it. You must, however, decide what property is to be exchanged within 45 days after you sign the sales contract. The entire transaction must be completed within 180 days. Funds must be held in an escrow account with an exchange agent until the sale is completed.
Many owners of investment and business real estate, or other business personal property, are often not aware of the opportunity to thousands of dollars in capital gains taxes by exchanging their equity from a sale of their investment property into another. Section 1031 of the Internal Revenue Code provides that the federal capital gains taxes are deferred when business or investment real estate is exchanged into a "like kind" property. 1031 exchanges offer impressive wealth-building opportunities because of the ability to defer taxes. Many investors fail to take advantage of 1031 investments because of limited knowledge, poor advice, or lack of appropriate replacement properties. The key to a successful exchange begins by working with experts who understand the 1031 exchange process and who have access to a wide selection of available replacement properties.
One without the other may put an investor in jeopardy of a failed exchange or, worse, a bad investment. TM 1031 Exchange Inc. can be your gateway to the 1031 exchange and real estate acumen and wide selection of replacement properties that are critical to successful 1031 exchange. The TM 1031 Exchange Inc. national inventory of properties is carefully selected to provide the investor with the greatest chance of a successful 1031 exchange. The hallmark of a good 1031 exchange replacement property is a high certainty of close, transparency, offered at a fair market price. Each year billions of dollars are lost due to unsuccessful exchanges, largely because of a failure to identify the appropriate replacement property in the allotted amount of time. 1031 permits real estate owners to exchange a property and defer capital gains tax by selling their investment, rental or business real estate - as long as they reinvest the proceeds into a qualified replacement property. The replacement property must be similar in nature to be used for investment, rental, or business and, therefore, considered "like-kind." To fulfill 1031 exchange requirements, sellers have a maximum of 180 calendar days from the closing of the initial sale of the relinquished property to complete the exchange into the replacement properties. Within the first 45 days of after the close, a seller must designate replacement properties and properly identify them in compliance with IRS regulations. This most frequently is done by using a Qualified Intermediary also known as an Exchange Facilitator. TM 1031 Exchange Inc. provides both the knowledge and available properties to maximize your chance of success when contemplating a 1031 exchange.
1031 exchange is the most common method for enabling the sale of your commercial property in order to reinvest in another commercial property or multiple commercial properties, deferring all federal and most state capital gains taxes. This transaction is authorized by the IRS and is one of the best options for property investors to rollover their investment commercial properties while preserving as much wealth as possible. 1031 exchanges, structured as tenants in common, provide property investors a range of opportunities to meet personal investment objectives. This includes commercial property type and geographic diversification, and most importantly, the elimination of day-to-day commercial property management obligations. This is simply a method by which a real property owner disposes of one property and acquires another without having to pay any capital gains tax on the transaction. In an ordinary sale transaction, the property owner is taxed on any gain realized by the sale of the property. In an exchange, the tax on the exchange is deferred indefinitely. Investment property sold in any state can be designated as a 1031 tax exchange candidate in the sales contract. This must be stated in the initial sales contract. Any investment property can then be used as a tax deferred exchange vehicle to buy investment property. It does not matter who purchases your property or what they intend to do with it. You must, however, decide what property is to be exchanged within 45 days after you sign the sales contract. The entire transaction must be completed within 180 days. Funds must be held in an escrow account with an exchange agent until the sale is completed.
Many owners of investment and business real estate, or other business personal property, are often not aware of the opportunity to thousands of dollars in capital gains taxes by exchanging their equity from a sale of their investment property into another. Section 1031 of the Internal Revenue Code provides that the federal capital gains taxes are deferred when business or investment real estate is exchanged into a "like kind" property. 1031 exchanges offer impressive wealth-building opportunities because of the ability to defer taxes. Many investors fail to take advantage of 1031 investments because of limited knowledge, poor advice, or lack of appropriate replacement properties. The key to a successful exchange begins by working with experts who understand the 1031 exchange process and who have access to a wide selection of available replacement properties.
One without the other may put an investor in jeopardy of a failed exchange or, worse, a bad investment. TM 1031 Exchange Inc. can be your gateway to the 1031 exchange and real estate acumen and wide selection of replacement properties that are critical to successful 1031 exchange. The TM 1031 Exchange Inc. national inventory of properties is carefully selected to provide the investor with the greatest chance of a successful 1031 exchange. The hallmark of a good 1031 exchange replacement property is a high certainty of close, transparency, offered at a fair market price. Each year billions of dollars are lost due to unsuccessful exchanges, largely because of a failure to identify the appropriate replacement property in the allotted amount of time. 1031 permits real estate owners to exchange a property and defer capital gains tax by selling their investment, rental or business real estate - as long as they reinvest the proceeds into a qualified replacement property. The replacement property must be similar in nature to be used for investment, rental, or business and, therefore, considered "like-kind." To fulfill 1031 exchange requirements, sellers have a maximum of 180 calendar days from the closing of the initial sale of the relinquished property to complete the exchange into the replacement properties. Within the first 45 days of after the close, a seller must designate replacement properties and properly identify them in compliance with IRS regulations. This most frequently is done by using a Qualified Intermediary also known as an Exchange Facilitator. TM 1031 Exchange Inc. provides both the knowledge and available properties to maximize your chance of success when contemplating a 1031 exchange.
Lung Cancer
Asbestos is a family of naturally occurring silica compounds similar to, but not the same as, the silica of window glass and computer chips. These substances form fibers with varying shapes and sizes and are found throughout the earth. There are three commonly available types of asbestos; chrysotile white asbestos amosite brown asbestos and crocidolite blue asbestos All three have been associated with cancerous and non-cancerous lung disease.
Asbestos has been used frequently in a variety of building materials for insulation and as a fire retardant. Today, it is found most commonly in older homes - in pipes, furnaces, roof shingles, millboard, textured paints, coating materials, and floor tiles. Lung disease from exposure to asbestos can be divided into three main types: asbestosis disease of the lining of the lung pleura and lung cancer. Asbestosis is a process of widespread scarring of the lungs. Disease of the lining of the lungs, called the pleura, has a variety of signs and symptoms and is the result of inflammation and the hardening calcification and or thickening of the lining tissue. Lung cancer, either of the internal portions of the lungs or the outer lining
All of the commonly available commercial forms of asbestos have been linked to cancerous and non-cancerous lung disease. Asbestos-related lung disease occurred at very high rates toward the middle of the 20th century, when patients who were exposed decades earlier to asbestos eventually developed disease. British asbestos workers were among the first who were observed to have lung cancer related to asbestos. Most current patients were once exposed to asbestos in: mines, mills, factories, or homes with asbestos, either in the process of carrying, installing, or removing asbestos, or while cleaning items laden with asbestos dust.
Some workers have been exposed to high concentrations of asbestos in: automotive repair, boiler making, construction, pipefitting, launderers of asbestos–containing clothing. Continuing sources of exposure are asbestos removal and general construction industries. The delay between exposure to asbestos and the development of cancer is generally 20 or more years. The number of deaths from asbestosis has increased over the past two decades, but is believed to have platitude due to increased awareness of the risks.
There are two major groups of fibers, the amphiboles and chrysotile fibers. Chrysotile white asbestos also called Serpentine" fibers are long and curled. The amphiboles, long straight fibers including actinolite, ammonite, anthrophyllite, crocidolite, and are much more likely to cause cancer of the lining of the lung and scarring of the lining of the lung pleural fibrosis. Either group of fibers can cause disease of the lung, such as asbestosis.
The risk of developing asbestos-related lung cancer varies between fiber types. Studies of groups of patients exposed chrysotile fibers show only a moderate increase in risk. On the other hand, exposure to amphibole fibers or to both types of fibers increases the risk of lung cancer by two fold. Although the Occupational Safety and Health Administration has a standard for workplace exposure to asbestos 0.2 fibers/milliliter of air, there is debate over what constitutes a safe level of exposure. While some believe asbestos-related disease is a "threshold phenomenon," which requires a certain level of exposure for disease to occur, others believe there is no safe level of asbestos.
In most buildings, asbestos does not become airborne. However, surfaces that are damaged or disturbed can cause asbestos to become inhalable. High concentrations can occur after cutting, sanding, or remodeling asbestos- containing materials Reducing asbestos exposure involves either the removal or sealing of asbestos-containing materials. Inexperienced attempts to remove asbestos can release dangerous levels of the fibers.
Depending on their shape and size, asbestos fibers deposit in different areas of the lung. Fibers less than 3 mm easily move into the lung tissue and the lining surrounding the lung pleura. Long fibers, greater than 5 mm 1/5 inch, cannot be completely broken down by scavenger cells macrophages and remain in the lung tissue. These asbestos fibers can cause inflammation. Substances damaging to the lungs are then released by the cells of inflammation that are responding to the foreign asbestos material. The persistence of these long fibers in the lung tissue and the resulting inflammation seem to initiate the process of cancer formation.
As inflammation and damage to tissue around the asbestos fibers continues, the resulting scarring can extend from the small airways to the larger airways and the tiny air sacs alveoli at the end of the airways. Some of these fibers can move to the surface of the lung where they form plaques white-gray regions of scarred tissue in the tissue lining of the lung pleura. In severe cases of asbestosis, scarring of both the lung and its lining tissue can occur.
There are two major groups of fibers, the amphiboles and chrysotile fibers. Chrysotile white asbestos, also called "Serpentine" fibers, are long and curled. The amphiboles, long straight fibers including actinolite, amosite, anthrophyllite, crocidolite, and tremolite are much more likely to cause cancer of the lining of the lung and scarring of the lining of the lung pleural fibrosis. Either group of fibers can cause disease of the lung, such as asbestosis.
The risk of developing asbestos-related lung cancer varies between fiber types. Studies of groups of patients exposed chrysotile fibers show only a moderate increase in risk. On the other hand, exposure to amphibole fibers or to both types of fibers increases the risk of lung cancer by two fold. Although the Occupational Safety and Health Administration has a standard for workplace exposure to asbestos 0.2 fibers/milliliter of air, there is debate over what constitutes a safe level of exposure. While some believe asbestos-related disease is a threshold phenomenon, which requires a certain level of exposure for disease to occur, others believe there is no safe level of asbestos.
In most buildings, asbestos does not become airborne. However, surfaces that are damaged or disturbed can cause asbestos to become inhalable. High concentrations can occur after cutting, sanding, or remodeling asbestos- containing materials. Reducing asbestos exposure involves either the removal or sealing of asbestos-containing materials. Inexperienced attempts to remove asbestos can release dangerous levels of the fibers.
Asbestos has been used frequently in a variety of building materials for insulation and as a fire retardant. Today, it is found most commonly in older homes - in pipes, furnaces, roof shingles, millboard, textured paints, coating materials, and floor tiles. Lung disease from exposure to asbestos can be divided into three main types: asbestosis disease of the lining of the lung pleura and lung cancer. Asbestosis is a process of widespread scarring of the lungs. Disease of the lining of the lungs, called the pleura, has a variety of signs and symptoms and is the result of inflammation and the hardening calcification and or thickening of the lining tissue. Lung cancer, either of the internal portions of the lungs or the outer lining
All of the commonly available commercial forms of asbestos have been linked to cancerous and non-cancerous lung disease. Asbestos-related lung disease occurred at very high rates toward the middle of the 20th century, when patients who were exposed decades earlier to asbestos eventually developed disease. British asbestos workers were among the first who were observed to have lung cancer related to asbestos. Most current patients were once exposed to asbestos in: mines, mills, factories, or homes with asbestos, either in the process of carrying, installing, or removing asbestos, or while cleaning items laden with asbestos dust.
Some workers have been exposed to high concentrations of asbestos in: automotive repair, boiler making, construction, pipefitting, launderers of asbestos–containing clothing. Continuing sources of exposure are asbestos removal and general construction industries. The delay between exposure to asbestos and the development of cancer is generally 20 or more years. The number of deaths from asbestosis has increased over the past two decades, but is believed to have platitude due to increased awareness of the risks.
There are two major groups of fibers, the amphiboles and chrysotile fibers. Chrysotile white asbestos also called Serpentine" fibers are long and curled. The amphiboles, long straight fibers including actinolite, ammonite, anthrophyllite, crocidolite, and are much more likely to cause cancer of the lining of the lung and scarring of the lining of the lung pleural fibrosis. Either group of fibers can cause disease of the lung, such as asbestosis.
The risk of developing asbestos-related lung cancer varies between fiber types. Studies of groups of patients exposed chrysotile fibers show only a moderate increase in risk. On the other hand, exposure to amphibole fibers or to both types of fibers increases the risk of lung cancer by two fold. Although the Occupational Safety and Health Administration has a standard for workplace exposure to asbestos 0.2 fibers/milliliter of air, there is debate over what constitutes a safe level of exposure. While some believe asbestos-related disease is a "threshold phenomenon," which requires a certain level of exposure for disease to occur, others believe there is no safe level of asbestos.
In most buildings, asbestos does not become airborne. However, surfaces that are damaged or disturbed can cause asbestos to become inhalable. High concentrations can occur after cutting, sanding, or remodeling asbestos- containing materials Reducing asbestos exposure involves either the removal or sealing of asbestos-containing materials. Inexperienced attempts to remove asbestos can release dangerous levels of the fibers.
Depending on their shape and size, asbestos fibers deposit in different areas of the lung. Fibers less than 3 mm easily move into the lung tissue and the lining surrounding the lung pleura. Long fibers, greater than 5 mm 1/5 inch, cannot be completely broken down by scavenger cells macrophages and remain in the lung tissue. These asbestos fibers can cause inflammation. Substances damaging to the lungs are then released by the cells of inflammation that are responding to the foreign asbestos material. The persistence of these long fibers in the lung tissue and the resulting inflammation seem to initiate the process of cancer formation.
As inflammation and damage to tissue around the asbestos fibers continues, the resulting scarring can extend from the small airways to the larger airways and the tiny air sacs alveoli at the end of the airways. Some of these fibers can move to the surface of the lung where they form plaques white-gray regions of scarred tissue in the tissue lining of the lung pleura. In severe cases of asbestosis, scarring of both the lung and its lining tissue can occur.
There are two major groups of fibers, the amphiboles and chrysotile fibers. Chrysotile white asbestos, also called "Serpentine" fibers, are long and curled. The amphiboles, long straight fibers including actinolite, amosite, anthrophyllite, crocidolite, and tremolite are much more likely to cause cancer of the lining of the lung and scarring of the lining of the lung pleural fibrosis. Either group of fibers can cause disease of the lung, such as asbestosis.
The risk of developing asbestos-related lung cancer varies between fiber types. Studies of groups of patients exposed chrysotile fibers show only a moderate increase in risk. On the other hand, exposure to amphibole fibers or to both types of fibers increases the risk of lung cancer by two fold. Although the Occupational Safety and Health Administration has a standard for workplace exposure to asbestos 0.2 fibers/milliliter of air, there is debate over what constitutes a safe level of exposure. While some believe asbestos-related disease is a threshold phenomenon, which requires a certain level of exposure for disease to occur, others believe there is no safe level of asbestos.
In most buildings, asbestos does not become airborne. However, surfaces that are damaged or disturbed can cause asbestos to become inhalable. High concentrations can occur after cutting, sanding, or remodeling asbestos- containing materials. Reducing asbestos exposure involves either the removal or sealing of asbestos-containing materials. Inexperienced attempts to remove asbestos can release dangerous levels of the fibers.
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