Saturday, June 30, 2012

Small Installment Loans-Convenient financial assistance for quick relief

Short term and unforeseen financial expenditures often create disturbances in life. The assistance of small installment loans is powerful financial tool that let you arrange the desired loan money with ease and flexibility. Thus, to overcome your financial troubles without undergoing any fuss, check out this monetary aid for better and effortless financial support. It would let you arrange the money for meeting your fiscal troubles at ease.

The assistance of small installment loans is quick and hassle free in nature that helps you to get over your low financial standings with ease. You need not have to arrange any valuable asset to pledge against the loan amount. Funds that you are allowed to borrow can be ranges from 0 to 00 with swift repayment period of 14 to 31 days. To match up with your financial budget, spend this loan money for meeting any desired purpose such as meeting medical care costs, grocery bills, utility bills, tuition fees of your child, credit card dies etc.

Quickly qualify the mentioned below eligibility criteria to get the assistance of no credit check small loans, such as:

1. Permanent citizenship of US

2. Bank account not more than three months old

3. Regular employment from the past same six months

4. Complete the age of eighteen years or more

5. Earning should be at least 00 per month

If your credit scores are no so perfect and you are facing some monetary pressures, small installment loans are still for you. There will be no credit pressures. Therefore, even if you are tagged with several bad factors like insolvency, foreclosures, skipped payments, late payments, arrears, defaults etc., you can still enjoy this loan aid. One need not have to face any credit issues at all.

Internet is the great technology that let you enjoy the finance right away with the comfort of your doorway. You need not have to visit to lender to lender in search of the loan deal. PC with internet connection will let you enjoy the loan deal at most reasonable rates. Moreover, application does not demand long hours. Just a single online application form is required to be completed with few personal details. Loan money will transfer in your checking account once you are approved.

In order to remove the financial distress that arises due to shortage of finances, apply with small installment loans for better and swift monetary aid.

Thursday, June 28, 2012

Keeping Your Temperament Cool

There is a saying that reads: There is no situation so bad that you cannot make worse by losing your temper. How often have we been in situations where we made things worse by losing our temperament? How often have we seen this happening to other? How often have friendships been broken up because one party or both lost their cool and lashed out with their tongues and said things which could never be forgiven afterwards? The newspapers are full of reports of wife beating and child abuse which are unbelievable, yet they were committed by otherwise loving fathers and mothers.

It is obvious to all of us that losing our tempers, instead of keeping our temperament cool, is dangerous, those who have lost their tempers have sometimes ruined lives -- others' and their own. A moment of anger has often made persons commit violent crimes. There are at least a few fathers who have been imprisoned because the have severely abused their child. Yet there is no denying that they do love their children very much. It is as if a demon had suddenly taken passion of them and made them do the unspeakable and then after the deed has been done, left the man to face the music. In quite a few cases, the offenders have confessed that they did not know what had made them do it.

It is obvious that keeping cool is a quality to be developed. It is a highly desirable quality to be able to be in person where one never loses his cool. The question now arises: Do we have control over our temper or is it something that cannot be helped? Can we really develop the art of keeping cool? Since some of us are bad tempered, it is apparent that the ability to keep cool can be cultivated. Psychologists say that all our behaviour is a result of conditioning. From the time we had been children; those of us who cannot keep cool have allowed ourselves to develop bad tempers. We have done this out of imitating the adults in our lives. In addition, it is true that only the behaviours that give us pay offs are developed. Considered in this light, it is probable that when we lost our tempers and threw tantrums -- as children -- we received what we wanted. This would be reinforced the tendency to lose tempers and we would have carried this into adulthood until it became uncontrollable.

Based on this theory, we can develop an ability to keep cool. We could consciously reinforce keeping cool instead of blowing our tops. Whenever we manage to control our tempers we should reward ourselves. This reward need not to be elaborated. In small conditions a mere invisible pat our backs would also be a reward. In more serious conditions, like when we keep cool and refuse to lose our temper and kick that creep -- like we are solely tempted to -- we could treat ourselves to an ice-cream or to a movie. The mind soon learns that it is more fun to keep cool than to lose our cool. Soon the tendency to lose our cool becomes less and less.

The rewards of developing a calm and cool nature are many and we should aim very hard to develop it. History is full of great men who kept cool and earned admiration of generations. It is a well known fact that a cool and controlled person can make better decisions and act better. Everyone wants to be such a person!

Wednesday, June 27, 2012

Finance and Lease Farming and Agricultural Machinery and Equipment, New and Used, Leasing and Financing Programs Update, Part1

Finance and lease are still on hand for new and used farming and agricultural machinery and equipment, however leasing and financing level for the first part of 2010, was principally flat for most United Statesbusinesses.

Even though we are going through tough credit times, farming and agricultural machine and equipment financing and leasing is still accessible for the good credit applicant and as well for the not so good applicant. We are going to talk about the accessible finance and lease programs in general to give you an idea that money is still on hand for start up and seasoned businesses.

First we are going to begin with the applicant with great credit. That would be an candidate with 680 or higher credit and time in business that exceeds three years. The applicant should not have any past bankruptcies and should have low debt ratios. This applicant can qualify up to ,000 to ,000 application only programs. Also, this gives the good credit candidate a good opportunity to acquire a great lending rate. If the applicant desires more than ,000 to ,000, they will have to give more documentation to qualify. This would include two years prior years business and personal income tax returns and the summary page of your last three months business bank statements.( high average bank balances are looked at favorable) A personal financial statement might be required as well as interim financial statements. A copy of the purchase order detailing the acquisition would be required as well

Buyers with personal credit scores between 650 and higher still have a good chance to acquire their desired acquisition. They should have a minimum of three years in business without prior bankruptcies. Low debt to income ratios are also looked at favorable. Also, some lenders still might offer application only programs and anything beyond the minimum application only levels would need the same documentation as above.

With the second tier credit described above, the rates will be somewhat higher than A Credit with great heavy construction equipment financing and leasing opportunities open.

Applicants with Credit scores between 600-650, there are many farming and agricultural machinery and equipment financial programs available without faultless credit. Even though there may be some dings on the applicant's credit, there are still machinery, equipment financing and leasing deals out in the financing market. There won't be application only programs but abundance ofinstitutionswill look at you. Once again, strong healthy bank balances with time in business with profitable operations showing on your tax return is a big plus Usually, full documentation information is necessary. The front money in these financial programs can run anywhere from 10-20% where as the first two programs can run as low as the first two payments..

There are other banks that are not credit driven, but are story book driven. They work with start ups and seasoned businesses without flawless credit. They are more cash driven, and need some additional requirements to qualify. These banks rates are higher than the programs described above but gives the candidate alternatives that might nor be obtainable somewhere else..

There are other lenders that are not credit driven at all but look at the free and clear assets that are available to the lender. Most banks like machinery, bulldozers, trucks, excavators, etc that have retained a good value. These are cash poor applicants but have good qualified assets that the bank will qualify. These institutions have their own blueprint to work out a financing. base. One should call to find out the particular details (Copies of free and Clear Titles are required).These finance and lease programs can finance up to ,000,000 or more based upon qualified assets.

In this recession, many institutions have had to focus on their repossessed farming and agricultural machinery and equipment inventories instead of usual business due to cash flow demands, out of balance credit lines with their own lenders, and challenging with other lenders for the small supply of buyers in the market place.

In the past better times, there were many application only programs up to 0,000 and 0,000. This meant there were no financial statements, tax returns or bank statements required. Today, there are less application only lending programs on hand, or the available programs require more information and their rate factors are higher than before. Due to problems in the industry, many institutions have gone back to more conventional lending wants. .

These lending changes have a remarkable impact on usual business for marginal credit buyers, start up businesses and more established businesses. One interesting area that has arisen out of this economic downturn is dealer/special financing. With all the repossessions in the market place today, buyers still have a distinctive business opportunity to acquire a farming and agricultural repossession with a credit score as low as 550. Farming and Agricultural machinery repossessions can be acquired with very little or no money down, sixty months to repay, regardless of age, and more favorable financing terms than conventional lending

Since new business capital is hard to obtain, it is suggested that the start up and seasoned business explore the repo markets. This could be a pleasing in the combination of both price and financing.Keep in mind, there are finance and lease programs that go into the millions for larger applicants, obvious they will require full documentation packages.

If conventional isn't available to you for whatever reason, please check out the repossession farming and agricultural machinery and equipment market and see what deals you may be eligible for.

Happy hunting for your farming and agricultural equipment and machinery acquisition and its related lending.

....

Thursday, June 21, 2012

Who Is Vladimir Antonov?

Vladimir Antonov was an unknown banker before he became a partner of Spyker 2007th Antonov is chairman of the Banks International Financial Group Convers Group and string.

Bank Snorkels bought in 2007 30% of the company that makes Spyker sports cars. Spyker is a profitable small car manufacturer that builds a few cars a year.

2009 General Motors began to sell off its European car factories. Saab, which was part of General Motors was approached by several interested businessmen.

The Swedish small car plant Koenigsegg Automotive AB, which produces 20 cars a year, opened negotiations with General Motors in summer 2009. Negotiations broke and General Motors.

Spyker CEO Victor Muller started negotiations with General Motors. The transaction could be carried out required the Swedish government endorsed the deal. Swedish government's investigation of Spyker suggested that co-owner of Spyker, Vladimir Antonov, had contacts with the Russian mafia.

According to Swedish newspapers were Vladimir Antonov Alexander Antonov father had been shot on the streets of Moscow. This would be because Alexander Antonov would testify in a trial on money laundering. Other information available is that the Antonov were involved in money laundering and having contacts with organized crime in Russia.

The report which was prepared by the U.S. firm Kroll commissioned by the Swedish government submitted to the Swedish security police, FBI who in turn submitted the report to the FBI. Two days after the report submitted to the Swedish Government decided that General Motors does not sell Saab to Spyker because of its linkage to Vladimir Antonov. General Motors began closing Saab just before Christmas 2009th January 2010 General Motors resumed talks with Spyker after Vladimir Antonov sold his shares in Spyker. However, Spyker large debts to Vladimir Antonov banking group.

Vladimir Antonov launched an attack on Western business leaders in The New York Times. Vladimir Antonov, claimed that the managers have prejudices against Russian banker.

Vladimir Antonov has devoted considerable effort to be cleansed. Two reports came in 2010 indicate that Vladimir Antonov has no connections to organized crime.

According to Swedish press reports, General Motors will reconsider its contract with Spyker, which prohibits the sale of the company of Vladimir Antonov.

Wednesday, June 20, 2012

Auto Levy Math Examples

I am not a lawyer, I am a Judgment Broker. This article is my opinion, from my California experiences, and laws are different in every state. If you ever need a strategy to use or legal advice, you should contact a lawyer.

Levying a judgment debtor's auto is expensive and complicated. This article has a car garnishment example, based on California law, with some approximate costs.

State laws vary widely, so be sure to check local laws and the court for procedures, and check costs with the local Sheriff department.

In California, if Sheriff garnishments are not bank accounts or wages, the judgment debtor's property must be auctioned by the sheriff. This makes garnishments of anything except bank accounts and wages very expensive.

Auction process are inefficient sales mechanisms which usually yield low relative prices, reducing what is available to satisfy the judgment. One day, perhaps Sheriff auctions will be on EBay.

The debtor's exemption is the first expense. That exemption is for only one vehicle owned by the debtor. This exemption is ,725, and if their vehicle is used in their work as a commercial vehicle, the exemption is ,900. The first ,725 or ,900 from an action sale, is returned to the debtor.

Buying a writ of execute from the court is . The Sheriff fee is approximately ,000 to begin a levy auction procedure.

Some good news is the Sheriff sometimes allows one to pay half the required amount (e.g., 0) to start. The bad news is that is only the beginning of an upward whirlpool of costs that could sometimes make you regret levying a judgment debtor's vehicle.

After the (so far) ,725 or ,900 in costs, there is the fee of a Sheriff's department charges to store the vehicle. In this article, the example is thirty days at per day for vehicle storage costs, totaling ,050.

In some situations, for example if the Sheriff is backlogged, or the judgment debtor files for bankruptcy protection, the storage costs you must always pay, increase dramatically.

One more way that bankruptcy can be unfair to creditors that levy a judgment debtor's vehicle, is that creditors must pay levy storage costs, even when the debtor's bankruptcy is eventually denied. Four months of storage charges might cost about ,200.

After all these expenses, the auction fees are usually 10% of what the selling price of the vehicle.

In this example so far, we are up to at least ,950 or ,775. To break even, a vehicle needs to sell for more than ,306 or ,840, to have a chance of paying anything toward satisfying the judgment.

Last but not least, there can also be the cost of paying off all prior vehicle loans.

The opening price at an auction is most often the price of the judgment debtor exemption and paying off previous loans on the vehicle.

Always show up at Sheriff auctions when the debtor's property is for sale. While you may be allowed to bid with judgment credit at an auction, you cannot credit bid for the judgment debtor's exemption, or to repay any previous loans on the vehicle.

If money is collected under a writ, it is collected under a writ of execution, it is applied first to the cost of obtaining a writ, second to any accrued interest, third to the levying officers fees and costs of performing the levy, and fourth to the judgment principal.

When the opening price bid is not met, the writ, at least 0 (often ,000) of the Sheriff department's charge, and the (at least) ,050 for storage, are your expenses, even when the vehicle does not sell.

As discussed earlier, vehicle storage charges may be prohibitive. If there are delays, it might be ,000 or more, meaning you could be out of pocket more than ,000. (You may get part of the Sheriff's charges back.)

I'm not an attorney. My opinion is that if the vehicle does not sell, it's usually returned to the debtor, and you might not be permitted to add your huge costs to what the judgment debtor owes, which is not fair.

Here's a hypothetical cost example on a California vehicle levy. This example assumes a good situation, where it makes sense to levy the debtor's vehicle. As mentioned earlier, in many cases, one may lose a lot of money trying this.

In our example, the debtor's vehicle is a car, having a Kelley Blue Book private-party value of ,000, and a prior ,000 loan that has to be paid off.

The winning auction bid (75 percent of the Kelley Blue Book private-party value) was ,250.

The fees could go this way: ,250, minus a 10% auction fee of ,125, minus ,000 to repay the prior loan, and the debtor exemption for the personal vehicle of ,725, leaving a gross total for the judgment creditor of: ,125.

That ,125 gross total has expenses. The vehicle storage fee for example, could be ,000. Also, writ and levying officer fees of 5, auction inspection and detailing fees of 0, leaving a net ,560 for the creditor.

After an auction sale, like a bank levy, the sheriff returns the writ of execution to the court, listing the amount paid to the judgment creditor. That amount is credited toward satisfying the judgment, no matter what costs the creditor incurred.

American Silver Eagle Coins

We all know that coins are excellent protection against inflation and other economic threats. This is one reason why folks are putting their money in precious metals like gold and silver. Apparently, the value of precious metals like gold and platinum are very high and not all can afford to pay for these metals. folks turn to silver instead.

venturing in silver is as easy as one, two and three. One can choose to invest on bullion, scrap silver and coins. The easiest is investing in silver coins. One can conveniently browse through the portfolio of silver coins collectors and dealers and choose which coins fit the budget. After which, one can pay using their individual credit cards or by means of cash transfer services like PayPal. Of all the silver coins, the Silver Eagle is the most popular. Its beauty is second to none. The American government guarantees the Silver Eagle Coins' weigh, purity and content. Every coin is composed of 99.9% pure silver.

When investing in any kind of business or commodity, it is important to know the facts so that you will not be victimize by swindlers. If you are venturing in silver eagles, be sure to note the following.

Be Familiar With The Market Value Of Silver Eagles
To know the value of silver eagles, check the spot price and the premium cost for each coin. The spot price regularly changes. If you are investing in coins be certain to keep yourself updated. You can find the latest report in the silver trade and the spot price in major newspapers, commerce websites, network television and radio.

Familiarize Yourself With The Original Design Of The Silver Eagles
The design of the Silver Eagle is second to none. It features the well-known masterpiece of Adolph Weinman's 1916 half-dollar, the "Walking Liberty." The reverse design of the coin is a version of the heraldic eagle by John Mercanti. Therefore, if you see a different picture like an Indian or an image of a famous person on the Silver Eagles, you might want to make a quick escape because there's no doubt, you are dealing with a fraud.

Find Reputable Place To Buy Coins
Today, the most common problems faced by investors and coin collectors are over grading, erroneous or misleading metaphors and details about the coins, counterfeit coins and deceptive pictures. Aside from those, one can also experience absolute no delivery of items. So be careful and wise when dealing your items online. Always research the company profile and find testimonials and reviews from previous clients. check if there are negative feedbacks. Calling the company directly using the traditional method will also help you have peace of mind that you are dealing only with legitimate companies.

Always be watchful when dealing with precious metals. examine the items if they fit the description of the Silver Eagles before you swipe your credit card. Also, be sure to find a reputable trader or broker to procure and sell silver coins. It does not hurt to be careful. Remember to read testimonials and feedback from previous clients because you would not want to commit the same mistake twice. Consider the above tips and you will be all right.

Monday, June 18, 2012

Bad Credit Classic Car Finance: The Essence Of Feeling Classic

Some people are prone to buy classic things and this is, indeed a great hobby since antiques tell the story of our ancestors. But, buying a classic car is a costly thing and everyone was not capable of buying a classic car before. However, having not enough funds for your classic car buy is no more a problem and has itself become a vintage problem which is now aptly erased by bad credit classic car finance. Bad credit classic car finance approves car finance for the bad credit holders too which has allowed now everyone to buy the classic car of his choice. So, drive on with elegance borrowed form bad credit classic car finance. But, before that, let's have a brief overview of what does bad credit classic car finance mean exactly.

Bad credit classic car finance is available for bad credit holders who are seeking finance for buying a classic car. The classic car can be of any model of any age, you can have it through finance available in bad credit classic car finance. And, bad credit classic car finance is available in both secured and unsecured formats. If you want to have cheap rates and more flexible terms you can opt for secured bad credit classic car finance where your car plays the collateral and assures the security of the lender's money which in return allows you to have better benefits. But, unsecured option of bad credit classic car finance has got its own benefits. It works as really a lucrative deal for all those who have got problems in pledging collateral for their car finance.

And, it is the availability online which makes the bad credit classic car finance really lucrative enough since most of the lenders of bad credit classic car finance are flocking the online arena where the rate of classic car finance remains cheap enough because of the competition among them. It's really a classic feeling to own a vintage car. So, grab it soon with aids from bad credit classic car finance.

Military Auto Loans With Bad Credit Are Available Without Any Problem

The idea that getting military auto loans with bad credit is difficult is not actually true. Because of a number of factors, the likelihood of approval is quite strong. However, that is not to say that every loan to military members is guaranteed to be approved.

In reality, every loan application must meet certain criteria before there is any chance of securing loan approval. Even civilian loans have conditions like age, income and citizenship, and the only addition for military loans is that the applicant is a current or former members of the US military. Once that is established, the application will be looked at in more detail.

However, once qualification is secured, there are some real benefits that military personnel can enjoy. And when it comes to auto loans for military personnel, these benefits can be quite significant.

Qualifying for a Loan

The particular criteria that must be met in order to get a military auto loan with bad credit are no surprise. Not only does the applicant have to show they are able to afford the repayments, they also have to prove that they are members, or were members, of the military. Once these are confirmed then the application can be fully considered.

The first step is to provide proof of military membership, something that should be easy since a military ID showing rank can be submitted. And since a military file will confirm other aspects like age, deployment history and income, the likelihood of securing loan approval is extremely high.

Also, often credit history is ignored, so the issue of having a bad credit rating can be forgotten about. In this way, auto loans for military personnel are arguably the easiest such loans to get. And coming at a low rate of interest, arguably the most affordable too.

Why Lower Interest Rates?

The chief advantage of seeking military auto loans with bad credit is that the interest rate charged by lenders is lower. But this seems strange when bad credit is supposed to mean there are risks associated with lending to borrowers with that status. However, there are clear differences between lending to military personnel and civilians.

For a start, the employment status of a military member is far more secure than for anyone else. This is because the employer is the US government, so the chance of being made redundant is practically zero. And because the job is safe, the income is safe. This means that the ability to repay a loan is never gone. With the two most critical factors safe, the chances of securing loan approval is practically guaranteed.

But with these issues secured, lenders are willing to charge lower interest rates. What is more, it is possible to get shorter repayment term, lowering the amount of interest paid. Alternatively, larger loan repayments can be made whenever possible, without any extra charges. The options make auto loans for military personnel more affordable that for most civilians.

Finding the Best Loan Deal

Finding the best terms for military auto loans with bad credit comes down to doing a bit of searching. There are two chief resources to go through, namely online certified military lenders and military credit unions. Once the criteria is met, and military membership is proven, the terms available online are quite good, though repayment directly from the bank account of the borrower is necessary before securing loan approval.

Alternatively, going to the credit union of your particular military branch will mean the maximum benefits of a loan will be attained, without having to request them. However, an auto loan for military personnel is something they are used to granting, making approval very likely, even with a bad credit rating.

Sunday, June 17, 2012

Child Molestation World Record Holder!

Being the CNN loyalist and avid conspiracy theorist that I am, I couldn't help but zoom in on the plague of child molestation cases that dominated the headlines circa. 1999. It seems that through time even celebrities are not immune, Michael Jackson, Roman Polanski, Jerry Lee Lewis, Bishop Eddie Long, former Oregon Governor Neil Goldschmidt who confessed his guilt, and R&B singer, R. Kelly had bouts with the accusations as well. Without a doubt, the Catholic priests seemed to take the lead in such an evil taboo that society has been forced to talk about. So-called cult leader, David Koresh, of the Branch Davidian was also accused as well as the Mormons of Utah, who have always been held in contempt by the other 49 states that look down on them for their lawful practice of polygamy.

In the case of the Catholic Priests, it is strange that to my knowledge, I haven't seen any of them ever serve a prison sentence. My best guess is, they are covered by the Vatican, which is its own sovereign entity. So there is no way they can really be sued. So basically, what we are seeing is more or less "here is your money, leave us alone payments, that are made out to be civil law suits for damages, emotional distress, and 'pain and suffering.'

However, none of these made my 'conspiracy theory' alarm go off as did the infamous 2002 case of H.E. Rev. Dr. Malachi Z. York-El, who was known as the leader of the Nuwaupians. To bring the reader up to speed, H. E. Rev. Dr. Malachi Z. York-El, is a Consul-General and Diplomat for Liberia, West Africa, whose passport number is: D/003828-04, which would bring with it Diplomatic Immunity. Accusation per accusation, this case seemed to me very bizarre and far-fetched. Rev. Dr. York was accused of molesting up to 13 children, up to 10 times a day, for up to 10 years!! My first thought was, "That is a lot of sex," and immediately my suspicions started.

Just think, if we take one child for let's say 5 times a day for 5 days a week, if I am correct, that is 25 times of having sex in one week. Now, multiply that 25 times by 13 children and that is 325 times he would have had sex for that week, correct? Now, we take 325 times a week by 52 weeks, again if I am correct, that comes to 16,900 times he would have had sex in a year!!!! Now, let's take that into perspective against the 20,000 times the Great Wilt Chamberlain said he had sex in his lifetime!! I would also challenge any pornographic film star to equal those numbers as well. OK let's finish it up, take that 16,900 times 10 years, if I am correct again, that comes to 169,000 times!!!! Which in my mind would be a world record indeed. I was quite surprised when Viagra didn't want to use him as a spokesman and even more surprised when Guinness Book didn't list him as well!

While downtown Atlanta, I ran into some men who were 'propagating' the Nuwaupian doctrine and defending Rev. Dr. York's innocence. Many of the issues I had with what was being said in the media about the case were confirmed with my conversations with them.

Issue 1: How could Rev. York be arrested even after presenting his Diplomatic credentials to the arresting officers? The Nuwaupians answered that because of the doctrine that Rev. York has presented to the world, there are people who wanted him off the streets as a free man at all costs. Taking into consideration, that Malachi York is also a sovereign who knows what his status and the UCC CODES entail. This was also something that he wrote about in one of his books called, "Let's Set The Record Straight." In it he outlined the history between America and Morocco and the treatise that were made between them, namely the Treaty Of Peace And Friendship, which is the oldest treaty that is still recognized to this day.

Issue 2: Why would Dr. York plea guilty after originally entering a plea of innocent and the evidence clearly proved him innocent? This was done because Dr. York was told the women who were with him at the time of his arrest, would be let go if he would plea guilty, being that they were Innocent and it was he who the prosecution really wanted in the first place.

Issue 3: How the hell could somebody possibly have sex that many times, yet alone have enough time? Again, they confirmed my suspicions with facts and common sense. It was clear that children were behind this plot, because any adult would have know it is impossible to have sex that many times. Put to me as such, H. E. Malachi Z. York has written over 400 books. That's right over 400 books!! Now, find any person who publishes books and ask them how long the process of writing and publishing just one book is and see what they say.

Issue 4: How did the whole mess start in the first place? They told me that it was all started by a group of kids who lived on the Nuwaupian land and could not break rules as they wanted. It was against the rules to have sex if they weren't married, they couldn't dress in skin tight clothing and go out to party. They got fed up with the rules that were in place to keep the order that was established by Dr. York and that was their way of getting back at him. They then conspired with the racist sheriff by the name of Howard Richard Sills, of Putnam County, GA, who hated the Nuwaupians and could not come to grips with the reality that a group of Black people lived together, had wealth and no criminal records. In return, for a conviction, the government promised them they could sue Dr. York for millions of dollars and split the pot between them.

It was also the result of the 476 acres of land that the Nuwaupians owned stood in the way of an economic plan that the Putnam County government had in development for the next 20 years. This economic plan included turning the city of Eatonton/Putnam County, GA into a tourist attraction/resort area of sorts. This also had ties with neighboring Greene County that has a major resort area called Reynolds Plantation and a Ritz-Carlton Hotel. Reynolds Plantation is owned by Mercer Reynolds, who is a close friend and business partner of Former President Bush the younger. Recently, Reynolds has been in the headlines for having to sell some his assets to satisfy lenders.

Now with all these things being said, let's look at some medical evidence to prove that Rev. Dr. Malachi Kobina York could not be guilty of these false allegations:

1. Dr. Frederick Bright, MD OB/GYN, who is licensed to practice in the state of Georgia, was called in as a medical expert by the family of Dr. York to review the information and evidence that was brought in by the government/prosecution as early as Dec. 2002. After his examination of the evidence and testimonies of the alleged victims, he found many what he termed 'consistent inconsistencies.' This case was purely a 'hearsay' case!

2. In child molestation cases it is the normal procedure to have medical examinations done within 72 hours of the alleged molestations, the acute stage of the alleged events, to obtain forensic evidence-skin, hair, semen, saliva, etc, from the genital areas. What Dr. Bright found was that no history of events was taken by the examiners to determine the level of evaluation necessary for each victim which is very critical.

3. Some of the children had STD's, including Chlamydia and Herpes 1. Dr. York upon examination, was found to have had none of these diseases and did not even have the anti-bodies present to suggest that he was even treated for any of these diseases and had them cured. For the record, all of the alleged victims didn't have an STD. This shows an inconsistency. They all should have had the same STD, because they testified that Rev. Dr. York would go from one to the other. There was no DNA evidence ever found to suggest that Rev. York had engaged in any sexual acts with any of these alleged victims. There were no pregnancies. There were no testimonies of condoms being used and these girls were at the age of puberty.

4. When interviewed, none of the children gave any exact dates of the "molestations" that occurred. This includes nothing about "I remember because it was two days before my birthday." They always gave very vague time frames, like it was the summer of 1998 or it was the fall of 1999, which doesn't give a defendant anyway to prove he was not in said place at said time. Many of their testimonies contradicted each other about who was present when what they saw was supposedly happening to the other. There were also no mentions or testimonies by any of the alleged victims of any abortions or anything about each time Dr. York changed the bedding or anything about plastic covers on sheets.

5. There were no recorded interviews or statements(written, audio, or visual) from the alleged victims that could be evaluated by the defense experts which means the government/prosecution could make any statements necessary to bring charges against the accused. This is very important because the absence of recorded interviews prevents scrutiny of the prosecutions statements by the defense. Also, in the event contradictory information is identified, the contradictions can easily be dismissed or explained away by the prosecution. THIS TYPE OF CONDUCT SUGGESTS THAT THE GOVERNMENT/PROSECUTION HAD NO INTEREST IN ACCURATELY RECORDING THEIR FINDINGS OR THE VICTIMS WERE GIVING UNRELIABLE STATEMENTS. WHICH EXPLAINS WHY THE COURT WAS CLOSED TO THE PUBLIC DURING THE TRIAL AND THE TRANSCRIPTS WERE SEALED AFTERWARDS!!!!

6. 5 other children were taken from the Nuwaupian land that was called Tama-RE, Egipt of the West, without consent and knowledge of their parents and given examinations by state agencies and not one of them were found to be abused, sexually, mentally, or physically.

7. 8 of the 13 who originally alleged abuse by Dr. York, recanted their own testimonies on sworn affidavits. Too add to that, many of their own immediate family testified against them and said they were lying

8. The government's 'Star Witness', Abigail Washington, recanted her testimony of abuse as well on a sworn affidavit and even recanted her testimony that Rev. Dr. York was guilty of the money structuring charges.

9. FBI LEAD INVESTIGATOR, JULAINE WARD, TESTIFIED UNDER OATH, IN COURT THAT SHE HAD NO EVIDENCE OR EYEWITNESSES TO PROVE OR SUGGEST THAT REV. YORK TRANSPORTED OR CAUSED TO BE TRANSPORTED, ANY CHILDREN FOR THE PURPOSE OF ILLICIT ACTS. NOTE TO THE READER: THIS WAS THE SOLE REASON FOR THE ENTIRE TRIAL!!!!

10. Assistant D.A. Richard Moultrie, stated for the record that he had no video tapes to prove any of the allegations. This is important because supposedly, video tapes were said to have been made of Dr. York engaging in these alleged acts.


In closing, I would like to add some little known facts about Rev. Dr. York that I found from doing a little research. Dr. York over the past 40 years has written more than 400 books on religious, scientific, and historical topics. THAT'S RIGHT 400 BOOKS!! Anyone who has written a dissertation, thesis paper, research paper, documentary, etc, knows how much energy and time goes into writings such as these. So ask yourself, "How the heck does someone have enough time to write 400 books, yet alone do it while molesting 13 kids everyday, all day for over 10 years?" IT'S ABSOLUTELY IMPOSSIBLE!!

Saturday, June 16, 2012

Murder Case: Forensic Doubt Over Joggers

The expert, who specialises in shoe marks, said she examined the prints that were found in Mrs Allen's Boonal Street, Singleton, home and was able to identify them as coming from a pair of Asics Gel Nimbus between the sizes 9 1/2 to 12.

She said some of the prints were an almost identical match, but without unique features such as cuts or other markings she could not say whether Mr O'Heir's size 11s left the prints.

Mr O'Heir, 28, has pleaded not guilty to the robbery and murder of Mrs Allen on March 1, 2009.

The trial heard from two police officers who stopped and spoke to Mr O'Heir and his girlfriend, Cheyenne Anderson, on the night Mrs Allen was killed.

The officers said the couple were behaving suspiciously and gave their names as Jessica Girvan and John Cox before the officers drove them to their George Street home to allow them to provide identification.

The couple went inside and left via the front door while the two officers waited at the back door, the court heard.

Two days later, police searched the George Street home and found two backpacks containing personal papers and other items that belonged to Mrs Allen and clothing in a hidden compartment below the floorboards.

A fingerprint expert told the jury that Mr O'Heir's prints were found on a number of items bearing Mrs Allen's name while Ms Anderson's prints were found on items including a torn envelope that had Mrs Allen's name on it.

The trial before Justice Michael Adams continues.

Lease Tansfers

When it come to a lease transfer, finding a reliable service may become a tedious quest without the help of professionals in this area, who can provide you with all the information you need, helping you through the whole process to complete a successful transaction.

That is what Swapalease and LeaseTrader are all about, the two largest lease assumption marketplaces, which are internationally renowned. Whether you want to begin a lease or get out of a lease, these services are the right place to get help completing the transaction successfully.

Swapalease is in-process vehicle lease service that rapidly became a full-service online marketplace for both sellers and buyers. People, who are actually leasing vehicles but want to get out of them can find matching people who are willing to get short-term leases with the best condition for both parties.

Lease sellers are able to offer in-process leases through Swapalease for assumption online, improving their chances to close a deal because of the number of potential Lease buyers who prefer this site to browse the available offers and contact the Lease sellers directly through Swapalease marketplace.

If you want to get out of a car lease or get a short-term car lease, Swapalease provides the assistance you need to swap or process the lease termination with no money down. This service also offers step-by-step guidance to process a Lease assumption or lease transaction proceeding in any case.

With the help of Swapalease, you can exit your actual car lease with no penalties, while Lease buyers can benefit by taking over short-term leases with the best conditions in the automobile market.

On the other hand, at LeaseTrader you can take over a lease and pay rates below the actual national rates, including short-term leases with no money down. If you are the seller, this service let's you get out of your lease by listing your car, where potential lease buyers can view your listing, while LeaseTrader helps you to transfer your lease.

Lease Assumptions, short-term auto leases and lease transfer are all taken with a professional service attitude and full support, providing to both Lease sellers and Lease buyers with all the information needed to understand the car leasing process.

Browsing LeaseTrader in depth is the best way to take advantage of this car-leasing marketplace, always offering new features and information guides to visitors and recurring clients.

LeaseTrader has developed a comprehensive six-step process whether to assume or transfer a car lease. Starting a negotiation is as easy as visiting the site and registering yourself as a user. After this, you can either post your leased car as a seller or browse the listing to choose from the leased cars for the vehicle you want to assume.

Because LeaseTrader guarantees no money down, the following step is verified buyer credit worthiness before seller and buyer communicate with each other to negotiate and close the deal, after which LeaseTrader provides guidance to initiate the transfer process, including the complete documentation that enables buyers to drive away.

Swapalease and LeaseTrader are both your best option for getting into the auto lease transfer marketplace with bigger success chances to get out of your lease or take over a lease with the most benefits for finding the right car, with the best price and right term to suit your needs.

You can find throughout these sites a larger number of Short Term Leases ranging from 6 to up to 20 months leases, including Lease assumptions that reward buyers with incentives from sellers wanting to get out of a lease.

On-site opportunities are countless, so, you can easily find what you want when it comes to Auto Leasing, Short Term Leases, or Auto Assumptions. You can also find a large number of car brands listed and research facilities to browse by category, price, or further information regarding Auto Leasing and inherent processes.

Another advantage for Lease buyers and Lease sellers is that Swapalease and LeaseTrader offer additional services such as vehicle history report, vehicle title insurance, inspection and transportation, as well as credit reports and tracking, credit repair service, and overall warranty services.

Thursday, June 14, 2012

Business Finance Conversations About Negotiating

Negotiating strategies can play an important role for small businesses seeking to dig their way out of a deep hole caused by a perfect storm of declining sales, increasing costs and decreasing commercial loans from banks. The ability to use financial negotiations to their advantage has been underused by small business owners for a variety of reasons. But the lack of alternative business solutions to address pressing problems has elevated the value of negotiating to a level not previously seen.

Business finance complications being experienced by small companies continue to be a problem for the entire economy. While banks have received an inordinate amount of government financial support to help banking institutions recover from an economic crisis that many would argue was caused by them, small businesses and individuals have been largely left to fend for themselves. A prudent use of effective negotiation is a key tool that each small business owner can use to help their company survive the difficult challenges still facing them.

Negotiating can serve as an effective mechanism for reducing costs and helping to improve cash flow almost immediately. For small businesses who do not want to engage in negotiations or do not have the negotiating skills to do so, outside help should be considered to fill this critical gap. The typical small business owner simply does not have the luxury of choosing from a long list of alternative business solutions to solve current economic and financial problems impacting them. They need real time solutions, and business negotiating is up to that task if given the chance.

It is certainly true that each business has a set of unique problems. This is one of the most critical factors to explain why each small business owner must assume responsibility for solving their own challenges rather than waiting for the outcome of an election or some other external event to resolve anything. Business and financial negotiating is a strategic solution that is available to all small businesses on a real-time basis. It is a here-and-now answer to a variety of business problems.

What are small business owners waiting for? Lack of time or skills are probably instrumental in explaining why more small business negotiating does not take place. Perhaps there is also some doubt as to the benefits of negotiation in comparison to the perceived cost, risk and time of an activity that is misunderstood and feared more often than it is appreciated and respected. In the absence of a more effective and timely solution, small business finance negotiating should be hired for the job.

Pay Off A Payday Advance By Selling Clothes You Don't Need

If you're trying to pay off a payday advance, you either need to spend less or bring in more money. Consider selling clothes that aren't worn any longer to bring in the money you need.

Selling used clothes has become a growing business as people look for ways to save money as well as help the environment by recycling clothing. As stores continue to sell their inventory of used clothes, they need to replace it by buying from anyone willing to sell.

When going through your closets, look for clothing that is not worn or torn (unless that is part of the fashion), and especially not stained or smelling badly. You also need to look for clothes that fit the season, as these are more likely to be purchased.

Make sure the clothes are looking their best. Wash and iron them before you take them to the store. Also, call the store ahead of time and ask if you should have the clothes on hangers or if it has any other preferences.

Also, research the stores in your area. Different stores will often have different preferences for styles and labels. A vintage store will want clothes from 20 years ago or more. A modern/contemporary store will want clothes that are currently fashionable.

When you take the clothes to the store, don't bring it in a garbage bag. This will give the buyer a poor impression of the clothes before even seeing them. Bring the clothes on hangers in clear plastic or neatly folded in boxes or reusable shopping bags.

Don't take it personally if the store doesn't want your clothes or offers prices that are much lower than you expected. This isn't a reflection on how the buyer feels about you. It just means the buyer doesn't think the clothes you brought will sell well at this store.

At the same time, be willing to walk away if the buyer doesn't offer what you feel is a fair price. You can always try a different store.

You also might want to consider selling your clothes at a consignment shop, which doesn't buy the clothes from you, but pays you a percentage when the store sells the clothes. A consignment shop could still choose to not sell your clothes, but it may be easier to get a consignment shop to accept the clothes because it is not risking as much as a store that buys clothes.

The nice thing with a consignment arrangement is that you can claim the clothes back if they don't sell. You will just have to negotiate the price the clothes will be priced at and how much of that price you will get when it does sell.

If you can't find a store to accept your clothes, you could always try to sell them directly to customers yourself. You could do this by advertising on Craigslist or Ebay, or you could even try to sell them at a yard sale. Another option would be to try to sell them to friends with similar taste in clothing.

If all else fails, you could take the clothes to a thrift store, which only take donated clothing. This may not help with the payday advance, but you can get a receipt for them and deduct the clothes from your taxes.

Wednesday, June 13, 2012

Using The Economic Value Added Balanced Scorecard

Economic value added balanced scorecard gets the attention that is included in the recent years that come with the performance measurement. When the economic value added strategy planning claims then this can be used in the marked competitive advantage that can go for the competition in order to remove whatever obstacles are presented in front of them.

The good thing about the economic value added balanced scorecard is that it increasingly shows the number of companies that respond to the hype in connection to the heavy evaluation and reward that is listed for the managers. When the economic value added benchmarking illustrates what are needed by the business then everything else will just push through accordingly depending on the needs of the business.

Another elaboration on the matter is that companies respond to the hype that relies heavily on the economic value added balanced scorecard that can reward the managers depending on the functionalities of the departments. When the purpose are connected to the education of the managers, then this will provide them with the economic value added strategy planning in relation to what they need.

Another thing that they should remember about the increasing companies is that these respond to the kind of hype that rely heavily on the evaluation and the rewarding of the managers. The functional departments will also go for the economic value added balanced scorecard that can just go for the purpose of the article that can educate the managers on the uses and the limitations of the EVA. The specific articles that respond to the answers will go for the questioning of the EVA definition.

Managers that are aware of the economic value added balanced scorecard realize the uses as well as the limitations of the economic value added benchmarking that clearly defines the performance measurement. This ranges the strengths as well as the limitations of the EVA. Once these are used to evaluate the performance, then the business managers can just converse knowledgably with the people that they believe can go for the finance department that will be included in the benefits and the limitations of the performance measurement as gauged by the others presented to the different businesses.

Finally, the EVA financial performance measures will be operated on the base income that is included in the taxes. The assets that require and generate the cost of the investments along with the assets can always be averaged to what they want. The cost and the capital that are connected to the formation will always be connected to the formula that is despondent to the economic value balanced scorecard.

The formula to remember is that after the operating income tax, the investment will just follow through and the positive dollar amount can go forward depending on the cost of the assets that are connected to the capital along with the formula that is measured to the EVA and everything else. Once this formulates the EVA, then this is connected to the goal. This is the whole point of the economic value balanced scorecard.

Tuesday, June 12, 2012

7 Important Things of Sunshine Act Training

In the United States, medical drugs and devices companies have to undergo several training modules before being able to work with hospitals and practitioners.Listed below you will find some useful information about one of these numerous courses, the Sunshine Act training, and why it is important for medical professionals to attend it.

1. Since the Sunshine Act is a recently enacted law, dating just two years back, it is important for people working in the medical field to get acquainted with the new legal requirements as soon as possible. Sunshine Act training provides an overview of this new law and focuses on how it differs from previous regulations and it is probably the fastest way for an individual to get some insight into this piece of legislation.

2. It is important for practitioners to be aware of all the new changes because the Sunshine Act may alter the way medical professionals are required to conduct their business in the near future. Certain areas are affected by the new requirements of the Sunshine Act, such as relationships between doctors and clinical trial investigators, the need to track, record, and manage information, as well as compliance regulations.

3. Sunshine Act training is important for practitioners because it is far easier to attend a course and pass an exam in order to get familiarized with the legal requirements than to try to read and interpret the law on their own. A Sunshine Act training course is not too time consuming, so people who are in a hurry to complete the program can easily do this. A company can even sign up all of its employees at once.

4. The Sunshine Act was issued in order to increase the transparency of relationships between physicians and the medical industry. This, in turn, helps reduce the number of frauds in the healthcare system and prevents medical companies and individual practitioners from abusing their powers.

5. Sunshine Act training helps companies working with physicians stay within the boundaries of the law, because it teaches them what payments need to be reported and how the reports have to be made. Sunshine Act training courses help individuals organize all of this information, which can be overwhelming at first sight, in a manner which is easy to understand.

6. Since there are numerous legal ramifications within the Sunshine Act, this type of training is particularly important for medical companies and their employees because the penalties for those who do not adhere to the requirement can be quite high.

7. By enrolling in a Sunshine Act training course, you will also be getting access to updates and any changes that are being made to the law. Most training companies offer these updates for free, so you will not have to worry about any recurrent fees.

All healthcare training programs are important and the Sunshine Act training is no exception. However, since this piece of legislation is so recent, whether it will really have an impact in the health industry or not still remains to be seen.

To learn more, visit our website about Sunshine Act Training today and bookmark it to share with others!

To learn more, visit our website about Sunshine Act Training today and bookmark it to share with others!

Payday loans no credit check - Quick funds without any problem

Adverse credit record is one of the main causes that bring embarrassment to an individual at point of time. If you are someone looking for a hassle free mode of acquiring instant monetary relief to manage fiscal standings, here are payday loans no credit check for you. These loans offer instant financial support that also helps a borrower boost his credit status with timely reimbursement of loan amount. Therefore, when you encounter monetary trouble in your life and have appalling credit scores, apply for these loans to gain the maximum benefit. These loans are acquired by a large number of people living in the United Kingdom to manage middle month crisis.

As the name indicates, these loans are free from any type of credit checking procedure that comes with conventional mode of applying. Therefore, if you are someone suffering with bad credit factors such as defaults, insolvency, county court judgments, missed payments, foreclosure or individual voluntary arrangements then apply for these loans without even giving a second thought. In this way you can welcome easy cash irrespective of any type of credit record.

The ease and convenience associated with these loans is to be found nowhere else. Online mode of application is not quicker and easier but also hassle free. When it comes to applying online, all you have to do is to fill an online loan application form and submit it on the lender's web portal. After going through the details provided by you, money-lenders would get back to you. Soon after, the cash would be deposited into your checking account. You can use this cash depending upon your requirement without disclosing the purpose of taking the loan.

Payday loans no credit check are short-term in nature and have to be repaid with your next salary cheque. Their short term nature brings with it a high rate of interest. Make sure that you pay off the loan amount on time to avoid additional charges as penalty. Briefly, these loans are sure shot way to eliminate middle month troubles.

Saturday, June 9, 2012

Make a Guaranteed 15% On Your Money

The point is that paying off credit card debt is the best investment that you can make. It is a GUARANTEED return, and you don't have to take taxes out of it as you are just paying back a debt. The above example showed a 15% profit in the stock market/mutual fund. What would have happened if the investment only went up 5% instead of 15% or what if it went down 15%? You would be in an even a bigger hole. In the example above you would have needed a 20% return in order to pay off the credit card in full after commissions and taxes. That is double the average return for the stock market. Historically, that is asking a LOT when you could just have paid it off from the beginning and not have to deal with the stress of the debt.

I always suggest paying off personal debt (which includes credit cards, automobile loans, furniture loans, personal loans, and student loans) prior to investing money in the stock market/mutual fund.

Buying Gold and Silver: Why, How, and How Much?

A significant issue facing all of us concerns the idea of a large decline in the value of our home currency, whatever currency that may be. History is full of examples of currencies suddenly, and sometimes permanently, losing value. Certainly, there is no greater financially traumatic event than having all of your perceived wealth evaporate like water on hot steel simply because your currency fails"-Chris Martinsen (Economic Guru).

That's really very veritable somebody with a basic awareness of how over the spot of time, the currency loses its estimate will never choose to hoard them. On the opposite, those community who have tremendous insight of the potential and who can see the changes in the economic scenarios have preferred to acquire clear of notes in support of Gold and Silver.
"In my opinion, we are at an awful time of history for investing. I use this word very carefully as I differentiate between speculating and investing. It's a great time to be a speculator", says Chris.

Currency is gaining it's artificial appeal when as an alternative of accumulating gold reserves the state banks worldwide, release currency notes. Hiking up the inflation course, the government is left with no further decision but to signify economy in a trustworthy stance by these automated printed notes.

Numis Network is handing you a life phase opportunity to bond hands with Anthony Grant who will school you how to stay in harmless waters. Negligible entry into Gold and Silver markets, you initiate securing your investments at the very outset of your combination. And in a layered multiple format you start building an empire brick by brick with a convergence that is there to sustain the outlook of this growth.

"People are buying our coins left, right and center. They know they can easily afford, and they know it is going to pick in near future. Easily cashable, so the more they buy, the more they are planning to gain. This is all I can say as to how much one should buy. Silver or Gold", says Anthony Grant.

He continues, "Whatever fits your budget is going to get you guaranteed returns". He explains further, "It's not at all about the dollar holding you have, it's about your vision, logic and pattern of returns, there is no way anyone can feel shaky".

Friday, June 8, 2012

Social Security Disability - Medical Conditions List

The social security disability medical conditions list is the list of all the conditions that social security accepts for qualifying an individual as being disabled. However, this list can be very complicated at times and many people do not realize that, just because you have a condition that is listed somewhere in their headings, you may not meet the specific criteria outlined in the further explanation of that condition. This is why the application process can be a very complicated and lengthy one at times. It is a matter of proving conclusively, through medical records and evidence, that you are disabled as outlined by their qualifying standards.

The social security disability medical conditions list is broken into fourteen categories. These are: musculoskeletal system, special senses and speech, respiratory system, cardiovascular system, digestive system, genitourinary system, hematological disorders, skin disorders, endocrine system, impairments that affect multiple body systems, neurological, mental disorders, malignant neoplastic disease and immune system. This can seem like an overwhelming list at first, but it is meant to be all inclusive of the conditions that could validly prevent an individual from working for at least one year.

That is the important thing to realize about the social security disability medical conditions list. In order to be approved for disability, your condition must be assessed as being serious enough that it is going to prevent you from working for a period of one year or greater because social security is not involved with short term disability. This is part of the reason that the criteria, as outlined within each of the categories named above, are so specific and detailed.

The only way to prove that you, in fact, qualify under the social security disability medical conditions list for disability is to have your condition proved through medical records. This doesn't mean a note from your doctor saying that you can't work, although that sort of thing is occasionally helpful. Instead, this means the conclusive medical test results such as x-rays, MRIs, or lab results that prove that your condition meets all of the specifics as outlined in their guidelines.

The social security disability medical conditions list can be complicated to understand at times. It is phrased in both medical and legal jargon that the everyday person is not well versed in. This is part of the reason that it is very important to retain the services of a qualified representative or attorney for the duration of your claims process. Specialists in social security disability claims understand the language that is set out in the social security disability medical conditions list and they also know what supporting documentation is required from your health care professionals in order to prove that the criteria is met.

The guidelines can be met, but the important thing is being able to prove that to the judge at the further stages of the application process. That is where the expertise of is invaluable. An attorney is a very important asset if you want to be prepared when your claim goes before the judge.

Thursday, June 7, 2012

Understanding Non Conforming Loans

Non-conforming loan is a loan that fall short to meet up bank criteria for funding. The following can be the reasons behind:
Insufficient credit,
The amount of loan if higher than the conforming loan limit,
The unconventional nature of the funds' use,
The guarantee backing it.
Often, non-conforming loans are funded by hard money lenders. Real estate loans are grouped under non-conforming since the borrower's financial condition or the property type doesn't meet bank rules. Non-conforming loans may be subprime or A-paper loans.
The suppleness of private money permits a wider choice of deals to be sponsored.
How to choose a Non-Conforming Lender?
It is wise for the Borrowers to opt for non-conforming lenders in a cautious way- keeping in mind on factors like proper rates and particularly a fine customer service rating. Rates for non-conforming lenders are higher than those of banks, terms are quite flexible and loans more effortlessly within reach. Companies advertising non-conforming loans are often just brokers who pass on the loans requests they turf to lenders.
Types of Non-Conforming Loans
Commercial non-conforming loans (hard money loans) - used to fund industrial and retail projects like theatre complexes, parks, medical centers, gas stations and more. Several commercial non-conforming loans are bridge loans.
Residential non-conforming loans - higher rates than banks. Few states have legal confines against non-conforming loans for housing real-estate. It is common in all's life that they find themselves in financial need due to ill-fated circumstances remote of their control. Before long they fall behind on their car repayments or quarters, are not capable to pay the credit card bills, or fight back with other obligations such as water rates or council which can consequence in a court order filed against them.
Non conforming home loans are a new fangled spectrum of home loan products that have come into rage over the last decade. They are a porch of personal funding that was set by mortgage brokers for their customer. The broker arranges a funding source and proposes more elastic funds to the borrower without the usual credit inspection.
Non conforming lenders have wrapped up and put procedure in this method of funding that now let's more people way in their suite of products that are customized for public whose situations are troubled due to some unavoidable reasons.
Non Conforming Low Doc loans
Low doc loan is a loan where the borrower is self employed and does not have finished tax returns obligatory to verify earnings for the loan. Several banks have now low doc loans however with non conforming lenders the borrower can have a bad credit record, mortgage defaults and also go nearly 90 per cent. LVR where established lenders will only go to 80 per cent LVR.
So how can non-conforming lenders do all of this???
Non confirming lenders do not necessarily have mortgage indemnity; this is a large portion of the equation taken into account. Non-conforming lenders give coverage to the risk by rate, more is the risk for the lender, the higher the LVR and the higher the interest rate. Non conforming loans permitted many people to accept back control of their finances by means of a debt consolidation loan and restore them back on path through refinancing every debt into one monthly repayment.
Anybody who fits into any of the following categories- a non conforming home loan may be the perfect answer to aid you with your mortgage:
Incomplete or no tax returns
Mortgage arrears
Short-term employed
Less than perfect credit history
Government Allowances
Irregular income
Self employed
Rejected by mortgage insurers
Limited savings record
Existing loan arrears

Wednesday, June 6, 2012

5 Things a Call Answering Service Should Avoid Saying

Proper phone answering is a vital task for everyone from CEOs to answering service employees. When you answer your phone, you're representing yourself, your company, and, in the case of virtual receptionist services, potentially several businesses. However, business phone etiquette can be a tricky subject to master. You want to sound approachable, but not amateur; professional, but not stuffy. Where to start?
There are a few phrases that if banished, will instantly make your phone manner a lot more appealing. Here are five sentences that you may have seen receptionists use on T.V. but are better left unsaid in the real world:
1. "I'm not sure" or "I don't know." Callers don't expect you to be omniscient; they realize you may be the receptionist, virtual receptionist, or simply need to do some research to find the answer to their question. However, saying, "I don't know" immediately puts a negative spin on your answer. So, skip to the good stuff and offer to put your caller in touch with someone who does know:
"Good question! Let me see if Kim in our support department is available to discuss that with you."
"That's a great question! The owner would be the best person to speak with about that. Let me put you in touch with him."
2. "She's on the other line at the moment." You don't need to be a remote receptionist to see how this could lead to trouble. Even if you're in the same office and can see the person on the other line, saying that they're on the phone sets up unrealistic expectations. They may expect a return call as soon as she's off the phone, but she could be stepping into a meeting, returning another call, or the call just may last for another hour. You never know! Another potential hitch: Your caller may ask to hold until the other party is available. If you're not sure when she'll be available, or if you work at a live call answering service and need to be available for other calls yourself, things can get tricky.
3. "I can't do that." This may be the most hated phrase in all of customer service-dom. Ever call your cable provider and have the rep reply with "I'm sorry, sir/ma'am, I can't do that"? It's a dead end. Spare your callers from this frustration and try to think of what you can do and offer to do it. Instead of:
Caller: I'd like to re-draft my will. Are you able to help me with that?
Receptionist: "I can't. I'll transfer you to the attorney."
Take out the "I can't" and put the friendliness back into your reply:
Receptionist: "Let me put you in touch with the attorney. He'd be happy to chat with you about making changes to your will. One moment, please."
4. "Just a sec." A tad informal and a tad misleading (what takes only a second?), "Just a sec" shouldn't be in your vocabulary. Go for the more sophisticated "One moment please" and your professionalism won't waver for an instant!
5. "Hold, please." You'll need to place callers on hold from time to time to look up information, try someone's line, or answer a (quick) call. Asking instead of telling will make your caller feel important. Try asking for permission with a "May I place you on hold for a moment?" Your caller will most likely say yes since they feel taken care of, but if they decline, either acquiesce or offer an explanation and an alternative. "I need to look that up in our database, which may take a few minutes. Would it be alright if I gave you a call back when I've found the answer?" Being respectful of your caller's time is always the right thing!
These are best practices, but even if you slip up and use one of these phrases, all is not lost! Remember that being friendly and willing to go above and beyond for your callers will always set the right image for your business and keep your clients coming back!

Sunday, June 3, 2012

The Pros And Cons Of Bridging Loans

Bridging loans have come into their own as a form of finance for the enterprising and shrewd borrower. The bridging market has grown exponentially over the last few years and is now estimated to be worth over 2.5 billion and growing at 25% per year. Although it still has a role to assist borrowers release cash quickly it is increasingly being used to help property developers and investors.

As well as traditional uses for bridging loans, such as residential property, there are lenders who will fund semi-commercial and full commercial properties. This is despite commercial property being perceived as having an increased risk factor. Although the risk has not diminished , the demand for this type of borrowing has forced lenders to respond. This demand is fueled by the growth in interest in commercial property by professional investors, and the rising incidence of businesses getting into financial difficulties, thus needing to raise capital quickly.

Because bridging lenders take a flexible approach to clients with bad credit they will not usually require a credit check, however they will always need to be satisfied that the property being offered as security is suitable.

There have been a multitude of new entrants to the bridging market which has forced some of the more established lenders to re-shape their lending policies. The old, tarnished image has been eroded with new dynamic lenders who are willing to utilize the latest IT advances and employ the highest levels of customer care taking their place.

At the core of all bridging loans is the ratio of the loan amount compared to the value of the asset, usually referred to as the Loan to Value(LTV) and this is the single most important criteria when a lender considers a proposal for finance. This is partly why brokers are used for the majority of bridging loans. A broker will know which bridging lenders will require a credit check and which will consider applications from clients with bad credit histories, this means that a broker should be able to help find the right type of funding.

Some of the more common uses of bridging finance include:

Auctions:

If a person buys a property at auction they have to complete the purchase within 28 days. Using a mainstream lender it would be almost impossible to organize drawdown of funds in time, however bridging loans can easily be arranged in this time frame.

Buying Property at Undervalue:

Approaching a mainstream lender with a proposal to purchase a property at under value is pointless as they will only consider the purchase price. However bridging loans can be raised against the value of the property and not the purchase price. This means that theoretically it is possible to purchase a property at discount without putting any money into the deal.

Debt Relief:

Business people often get into financial difficulties due to cash-flow problems. These can be a result of trading problems or even unexpected tax demands, where there is equity in a freehold property bridging loans are an ideal solution.

Currently there is no Code of Practice, or indeed any self-regulating body to govern the activities of bridging lenders, although there have been several attempts to form one. The Council of Mortgage Lenders (CML) will accept bridging finance lenders as members, as will the National Association of Commercial Finance Brokers (NACFB) but neither organisation is geared to examine the specifics of bridging loans. Where the loan is required to assist with the purchase of a family home the Financial Services Authority (FSA) have very strict controls over who can lend money and under what terms.

Just like a conventional mortgage, bridging loans carry some serious legal consequences should a borrower not make payments, or fail to clear the loan at the agreed time. One clause to be on the look out for is one which entitles the lender to charge excessive penalty interest if any payments are late, although most will make a charge, it should be reasonable. It is also important to make sure you fully understand the implications of redeeming the loan early.

Most bridging lenders are now well organized, customer focused organizations, the on-going threat of increased regulation has seen the death of some of the unsavory business practices which means that bridging loans should continue to be a valuable tool.

Saturday, June 2, 2012

Unemployed personal loans: Fulfill your numerous cash purposes with ease

Are you feeling depressed due to your unwaged status? Do you find incapable to meet with your demands and urgent expenses on time? Insufficiency of funds is the main problem of all the troubles? Well, don't feel agitated because unemployed personal loans are ready to assist you anytime as per your need. These are much popular loan in the UK market as they offer fiscal aid to all kind of borrowers including tenants, bad creditors, unwaged borrowers and so on.

In order to grab fast cash aid through unemployed personal loansyou just need to follow an online mode of application which is very simple and trouble free to access. All you just need to fill out a simple online form with details regarding income, saving account and personal data. Lender may go through your details and if he finds everything perfect the cash will directly get transited in your bank account. This process will consume least time to get approved. So, remove all the fear from your mind regarding quick cash arrangement.

Moreover, if you are facing problems of bad credit records like arrears, bankruptcy, defaults, insolvency, foreclosure etc. then there is also no need to worry about it because these loans can be available to you with no credit check process. With the approved funds borrower can handle their manifold purposes with ease like paying household expenses, credit card dues, monthly home rent, monthly home loan installment of vehicle and so on.

Apart from facing jobless status if you are opposite tenancy status too then at times of emergency crisis considering unsecured loans for unemployed is the right approach. While you are applying to these loans then no lender will ask you to pledge any kind of collateral against the amount. Hence, anyone can get quick cash approval on instant mode. But, you may charge with higher cash amount to cover up the risk factor. However, proper research and comparison of loans deals may avail you lucrative deal on feasible price quote.

Through, this cash advance people may grab funds ranging from 1000 to 25000 as per their need, financial status and repaying ability of funds. This amount can be approved till the time duration of 1-10 years that is fixed in nature. So, make the payments on time and enjoy the financial deal on affordable price quotes.

How Getting Home Loan Mortgages With Bad Credit Can Be Simplified

When it comes to applying for a home loan mortgage with bad credit, many home hunters are put off by the apparent lack of opportunity. High interest rates and lower loan limits are only part of the problem, but it is important to realize that there are mortgage options available to bad credit borrowers.

While traditional mortgage providers, like those at established banks and institutions, typically apply strict lending policies, there are ways to improve your chances of securing mortgage approval with poor credit. These range from checking out your own financial status, to approaching alternative loan sources.

Getting a home loan mortgage may require some serious compromises, but the ultimate aim is to secure the required funds to buy your home. We have put together a list of 5 points that can help to simplify the task.

1. Check Your Credit Status

Once your status is known, it is easier to calculate what kind of mortgage is attainable, and where your weaknesses lie. By securing a copy of your credit report from one of the credit agencies, your application for a home loan mortgage with bad credit can be strengthened in advance.

2. Improve Your Status

There is no point in leaving things as they are. Most of the time, the principal problem relates to a low credit score, with existing debts causing further havoc. In order to get mortgage approval with poor credit scores, it is necessary to improve your status. So, this could mean taking out a consolidation loan and clearing all existing debts.

This is a strategy that works because it improves the credit score by paying off the debts, and lowers the debt-to-income ratio by reducing the monthly outgoings, both of which are key factors in securing home loan mortgages.

3. Make a Larger Down Payment

A down payment is usually required to seal the deal on a property purchase. Usually, this percentage is 10%, so on a property worth 0,000, a payment of ,000 is needed. But to get a home loan mortgage with bad credit, a larger down payment is probably necessary.

The reason centers around the size of the required mortgage. If a 20% down payment is made (,000) then a mortgage of 0,000 is needed. This translates to much smaller repayments each month. And mortgage approval with poor credit is easier when the repayments are smaller, and more affordable.

4. Seek a Longer Term

A fourth option is to look for a longer term on the home loan mortgage. Usually, a mortgage is 30 years, but if the term is extended to 40 years, it results in a lower monthly repayment sum.

Of course, a downside is that the interest paid would be significantly more over the lifetime of the mortgage, but that may be acceptable if getting the home loan mortgage with bad credit is a very real possibility.

5. Consider Alternative Lenders

Finally, it is worth approaching alternative loan sources as many less traditional lenders are more open to granting mortgage approval with poor credit. Sub-prime lenders are a good example, providing more flexible deals designed to benefit the bad credit borrower. However, they are known to charge higher interest rates.

Also, mortgage brokers will seek out home loan mortgages that will be approved on your behalf, for a fee. Their terms are not always ideal, but their network of contacts mean that the best accessible options are usually found.

Securing Home Loan Mortgages With Bad Credit: The Secret Made Easy

The chances of getting a mortgage are usually narrowed considerably by low credit ratings, with most mortgage providers skeptical over the chances of avoiding repayment hitches in the future. But that is not to say that getting a home loan mortgage with bad credit is completely out of the question.

The lending terrain has changed quite a bit in recent years, with so many trustworthy borrowers having fallen on difficult financial times. The result has been to see them struggle to meet debt repayments, thus causing their credit ratings to fall. But as borrowers, they remain honest.

It means that many lenders realize they can grant approval with poor credit history since the lines between trusted and untrusted borrowers are no longer defined by a credit score.

And this means that access to home loan mortgages are possible. What must be remembered, however, is that the terms are not going to be ideal.

Qualifying for a Mortgage

So what is needed to qualify for a mortgage? If bad credit borrowers are now viable mortgage customers, what is the criteria that they must meet to get the home loan mortgage with bad credit and buy the home they want?

There is a number of basic criteria that are well-established, such as the applicant being over 18, being a US citizen and having held a full-time job for at least 6 months. Each of these can be confirmed with some documents, putting the applicant in the frame for approval with poor credit history.

However, there are more critical qualifying factors that need to be satisfied. Perhaps the most important of them is the debt-to-income ratio, which reveals what home loan mortgage is affordable.

The Debt-to-Income Ratio

The debt-to-income ratio is something that lenders adhere to for every loan application. Set at 40:60, it restricts the amount of excess income that can be used to repay debts each month to just 40%. This is to ensure that an applicant who gets a home loan mortgage with bad credit will not end up falling into further financial trouble.

With 60% left over to meet any unexpected bills and expenses that might crop up, the chances of that happening are reduced dramatically. But it also means that what many applicants think is affordable, actually is not, making approval with poor credit history that little bit harder.

Basically, after monthly income and average monthly expenditure are compared, if the excess income is ,000, then repayments on a home loan mortgage can be no more than 0. This limits the size of the mortgage considerably.

Ways Around The Ratio Problem

There are two key ways to overcome the problem that a debt-to-income ratio can throw up. The first is to simply improve your credit score and ratio figure. This is done by taking out a consolidation loan and clearing as many of the existing debts as possible, thus helping to make a home loan mortgage with bad credit more attainable.

With debts cleared, the credit score improves, and with it, the interest rate on the mortgage is lowered. And with less to pay out in debt repayments, the amount of excess income is increased, thus improving the debt-to-income ratio. So, getting approval with poor credit history is helped greatly.

Another method is to increase the down payment made on the property, thus reducing the size of the required home loan mortgage. Usually, a 10% down payment is required, but increasing it to 15% or 20% can save thousands every year in repayments.

Friday, June 1, 2012

Real Estate Lebanon

When it comes to real estate in Lebanon the zoning laws are quite strict. But before knowing them it is good to know what zoning means. When we have to buy a property in Lebanon and want to know the zoning of the property that we are interested in buying, first thing to do is visit the Cadastre Department at the Moukarzel building situated in Tabaris. Here we can get a copy of the cadastral plan of the property that we are planning to buy. Here we can also ask for the document about the area of the property.

But here too we may come across different measurements that will contradict with the owner and the developer of the property. This might make us wonder about the zoning laws related with the real estate in Lebanon. Which figures can be considered as true? The municipalities of Beirut and Tripoli are responsible for recording the official area of the properties. The General Directorate of Urban Planning and all its branches also carry out the records about the actual area of various properties. The scale on which the area is measured by these two is different. The urban planning uses the scales 1/50 and hence it is the most accurate one. While the cadastre department uses scale 1/200.

Hence while dealing with real estate in Lebanon we might come across different recordings of the area of the same property. The cadastre department only measures the actual area of the property while the urban planning measures the area including the common areas like stairwell. Hence the area measured by the urban planning will be certainly more compared to that measured by the cadastral department. Hence the urban planning will consider the elevators, roof, column below a building, generator room while measuring the area.

But one question arises here which is can the common area be up for sell? The common areas will be used by all those who will reside in that property. This is the point on which most of the professionals disagree. There are two groups here one who thinks that common areas are used by the buyer and hence it should also be considered while counting the area of the property. Others think opposite to it. But not all the properties in Lebanon follow the zoning laws. We can find the details about whether a particular property is zoned or not by visiting the town planning office.