Saturday, July 28, 2012

Trends Mobile Or Mobile Applications 2012

It seemed to present hardware that we call Mobile / Phone more intense and very fast growing. Starting from the class of low end up to the smartphone is very easy to get in the market. Then what will be offered by the providers of mobile applications or features in mobile phones this year (2011) to 2012 in addition, the voice connection (dial phone), SMS, games and other entertainment applications .. we predicted it!

1. M-Education

Time for the content and features of education in the bundle in a mobile application. Mobile users can access content or educational materials more easily by using the phone, m-education applications have been developed by several companies in the world for example: Nokia with OVI Service Life Tools provide easy access to educational material via mobile phones, mobile phones to class Low End (Java ) in the middle class with android platform Mobile users can also use Siedun Mobile, Iphone For Users can also use a variety of applications such as Blackboard. It may be a conventional learning at school or college can be accessed via your mobile phone, Why Not?

2. M-Shopping

Shopping By Phone? It may happen in Q2 of this year or in 2012. The Mobile users can easily select items from a particular merchandised by simply typing or show his finger on the mobile screen.

3. M-Library

Famous book of a great author can be found and read through a mobile phone? wow pretty cool right now you do not need anymore reason to build their own library at home because of the narrowness of the room. Literature books or articles can you save in your phone memory.

4. M-Advertising

Advertising via mobile phones is also going to grow at the end of 2011 and 2012, you can easily access the latest creative as you want. or just view the latest product catalog from your favorite Factory Outlet. Easy right?

5. M-Banking

Your routine is quite busy and crowded make you lazy to linger in line at the bank, enabling mobile application developers competing to make the application easy banking via your mobile phone. For the purposes of payment of electricity bills, telephone, credit cards can easily be done on your mobile phone

6. Location Base Service

You often narcissistic when you're hanging out with friends at the Coffee Shop? Update status by using the Foursquare? in 2011 to 2012 is predicted to mobile

trends mobile

Friday, July 27, 2012

Online Bus Ticket Reservation In India

One of the major modes of transport in India is Bus. Now with good roads, online bus ticket booking and Volvo buses road travel is comfortable. As flight rates are high and train tickets are well booked in advance, travelers preferred to look for bus ticket availability online. For a short distance routes like Bangalore to Mumbai, Bangalore to Goa, Mumbai to Goa, Bangalore to Chennai / Hyderabad, Chennai to Hyderabad etc. Bus is becoming one of the most preferred mode of travel.

The Indian bus transport industry has long been a highly fragmented and unorganized sector. Some 20,000 private bus operators run about 2,00,000 buses on long distance point-to-point routes. The buses are formally known as "contract carriages" and tickets have to be bought in advance. Short-distance "stage carriages" form the other category of buses in India; to ride these buses, commuters buy tickets on the vehicle itself and can get on and off at multiple points.

While a few contract carriage operators have large fleets of about 100 buses each, most are small players with five to 10 buses. Some firms operate with only one or two buses each. The bus operators are all regional players lacking a countrywide presence. Given the scale of their operations, the majority of them do not offer computerized ticketing or reservations. Instead, the companies rely on a network of travel agents to handle bookings. Agents are given quotas of seats from the bus operators; they inform the bus company by phone each time a seat is sold to a passenger.

But the travel agents to not have any information regarding the status of the seats given to the other agents. The end result: a losing proposition for the bus operators, the agents and the customers -- who often end up seat less. The system has other limitations. In most cases, there are no provisions in place for booking return tickets. Usually, there are no published fares and the customers are end up paying what the agents demand for a ticket. There is no standardized system of numbering seats, meaning customers are not assured of seat preference. The bus operators often have cash flow problems because agents usually pay them monthly.

Booking an intercity bus ticket in India is fairly simple these days. A few clicks on the Internet or a phone call is all it takes to complete a process similar to the one used to purchase airline tickets. There was an online world before the advent of the World Wide Web in the form of private and commercial online services, via packet switched network using X.25. Travel technology played a significant role in the e-commerce world where we live in.

Prior to the Internet, consumers would generally access to the relevant information visiting upon the actual site. Even if they had access to the resources of professional buyers, they would manually and rationally sift through the reasonable deal of time. But now is the internet age. If you want anything, just make a gentle click and get access to hordes of related sites. Pick and fix up the offer you like the most. It gives advantages greatly to get things simpler, completely, conveniently. The online bus ticket booking has its advantages, as it is a function to pay money online and gain the impression of the price tag. In addition, one has the function of collecting a variety of securities and therefore the nature of the seat window. These options are enabled by most state transportation companies. Book an individual bus in the bus terminal can be a bit tedious. Chances are that you cannot get the price as the result of service errors.

An increasing emphasis on train and road bookings According to Applied Travel Intelligence, online bus reservations will be a 0 million business by 2011.

We thought, whether there is need to compete at all, when all they needed to do is reach the customer. What they created is a global company delivering locally in each neighborhood, in the most personalized manner, which is the dream of the servicing industry, local knowledge helped us deliver phenomenal products, in his language, his currency with precision which no CRM system could beat.

Best Bus is an Online bus ticket booking system established with a goal to provide online bus services to everyone travelling by bus. Best Bus provides information about price, availability and booking facility for buses throughout India. To make online bus booking process an easy affair for the people is an extremely important thing. Book bus tickets online, we offer bus ticket reservation online at lowest prices for all bus routes throughout India.

Wednesday, July 25, 2012

Always Someone Is Indebted To Someone

I have been in business for quite a few years and from both experience and my education, I have learned the following truth. Someone is always indebted to someone. What I mean by this is that some people take the higher ground whenever they can with the people they are dealing with which in turn gives them much more influence in the universe. The following will explain.

You might be able to equate to this yourself. Do you ever feel sometimes that you have more control over one person but you feel you have absolutely no control over another person (that you can't influence them). Well I have because sometimes a person feels indebted to me but others, I feel indebted to other people. What you want in life is to take the higher ground and have many people feel indebted to you. This will dramatically increase your influence in the world which in turn will ensure your success.

Let me describe the above with an example. Just say I'm a sales manager and I have 2 customers. They both buy at the same time and they have 30 days credit each. When I ring 30 days later, there are two completely different responses from the two customers. One feels nervous, knows that his credit has expired and talks to me politely saying that the check will be in the post tomorrow. I get the feeling that he feels indebted to me and wants to pay his bill in an orderly fashion. The other thought immediately tries to take the higher ground by saying "Jack, I'm waiting for a few checks and once I get them, you will be paid. Also I will have another project for hopefully next month". With that one line, he has attempted to influence me and in doing so not pay his bill on time. This happens a lot in business. One will attempt to take the higher ground and once you give it, you will be indebted to him to infinity. He will essentially hold power over you.

Now lets take this a bit further. Just say that second customer has 200 suppliers and he adopts the same attitude as he did with me and succeeds. Look at his influence!. He will pay them when HE wants not when they want. That's very important and if you missed the point, I suggest you re-read what I have said. So as you learn from this, remember the following. Never give up the high ground without a good fight. Its the people who have influence in our world have the most success. If you succumb to peoples demands, people wont have respect for you and treat you accordingly. Always remember this when you are in business and money is involved. YOU take the higher ground. YOU make your opponent become indebted to you and you will win and win big

Tuesday, July 24, 2012

Do You Know the 7 Things That Can Destroy Your Investment Real Estate Value?

The primary motive for real estate investing, of course, is the money. Wealth is the essential reason why people invest in real estate, and typically the first thing people think of when they consider owning investment real estate.

One of the advantages of owning income-producing property is that income generated from rent can be quite considerable if a property is bought and managed correctly. If a real estate investor doesn't overpay for a property, keeps expenses down, the apartments rented, and the building well maintained, a real estate investment can generally make the investor money, even while the investor sleeps!

Notwithstanding, there are there factors that can cause a real estate investment to lose value. Moreover, it can have a drastic effect upon a rental income property's ability to generate profitability, despite the investor's efforts.

Okay, let's look at undoubtedly the 7 worst contributors to the deterioration of rental property value.

1. Neighborhood Decline

The community surrounding the income property can change in a variety of ways that adversely affect your real estate income property. Increasing vacancy, for instance, can lead to reduced rents, which in turn means reduced maintenance causing building deterioration, in turn causing the whole neighborhood to slip into decline and therein triggering a domino effect that simply compounds the problem. The nearby construction of facilities such as sewer treatment plants and airports will also likely have an adverse effect on the area. Also, perhaps more subtle and slower in coming, is a decline due to increased crime, perhaps resulting from an adjoining neighborhood spill over.

2. Impact of Adverse Infrastructure

The impact of being directly under the flight path of aircraft, for example, can have a negative impact on a property's ability to attract (or keep) tenants. Likewise, construction of a major highway or intersection can limit access to the property, and cause noise and dirt by the construction to drive tenants out. Perhaps the result may be an increase in your investment real estate value, but construction can take up to a year or more and during that time you can expect your real estate investment value to drop.

3. Controls and Regulations

Governmental controls and regulatory changes to zoning can adversely impact real estate investment property. Real estate investors that purchase raw land for development, for instance, can see their plans grind to a halt because of a building moratorium or anti-development sentiment. All of which, of course, results in a plummeting value.

4. Wear and Tear

Whether its air and heating equipment, driveway surface, electrical wiring, hot water heaters and boilers, roofing structure, plumbing or paint, sooner or later it will require maintenance and/or replacement. The value of investment real estate is reduced by the economic obsolescence (out-of-date) items if they are not properly maintained.

Saturday, July 21, 2012

Bad Credit Home Loans: The Answer For Home Seekers With Poor Credit Ratings

One of the problems caused by the economic downturn of recent years is the exaggerated caution that traditional lenders have in issuing loans. In particular, home loans are hard to come by, which has had a detrimental effect on the property sector. But thanks to the availability of bad credit home loans, all has not been lost.
The realities of finance today is that many people who might otherwise have a good credit rating have seen their rating fall because of difficulties in meeting debt repayments. Lenders are reluctant to approve home loans for those with bad credit because of the perceived greater risk associated with them.

However, that is not to say it is impossible to get approved home loans despite bad credit. After all, the property market depends heavily on mortgages being granted, and most applicants are intent on improving their credit score anyway, so are determined to maintain payments.

How Bad Credit Ratings Work

For some of us, the whole area of credit ratings is something of a mystery. But while the method of calculation is somewhat complex, the basics are quite easy to grasp. When it comes to applying for a bad credit home loan, know why the rating is so low is a good indicator as to what steps to take to improve approval chances.

Every loan that is taken out is registered with credit agencies, and if there is any delay in making repayments, any default on a loan or any bankruptcy rulings, the agency adjusts the credit score of the person in question. So, lenders who offer home loans for those with bad credit are well aware of the credit history of the applicant.

These ratings are not stuck at the same value. In fact, it is constantly recalculated to reflect the newest credit habits, meaning that the score is adjusted up or down according to the latest happenings. It is possible to get approved home loans despite bad credit because recent trends can reflect improving rather than worsening scores.

Positives of Bad Credit Loans

Of course, by definition, bad credit home loans are not available at the best possible terms. Having an excellent credit rating is always preferable since the interest rates are lower and loan limits are higher, but bad credit terms can be quite acceptable.

This especially true in the case of online lenders, whose home loans for those with bad credit are available at interest rates almost as good as loans for those with an excellent rating. This is generally because the online lenders are competing with better established traditional lenders, and are willing to accept the added risk.

However, the real positive with such specially developed loan deals is that by issuing approved home loans despite bad credit, a route towards financial recovery is provided. So long as the borrower has the ability to repay the loan over the course of its lifetime, then repayments can be maintained, and credit ratings improved.

Getting the Best Deal

Shopping around is the only way to find the best bad credit home loan terms. But this generally means searching the internet and comparing the leading deals from online lenders. With competition so acute online, lenders offer the best range of deals though this medium.

That is not to say that home loans for those with bad credit are not available from traditional lenders, like banks and credit unions. If your relationship with your bank is very good, then it is possible to negotiate a good deal. However, approved home loans despite bad credit will come at higher rates of interest; it is just a matter of how much higher.

Nevertheless, for anyone seeking bad credit home loans, the important thing is that improvement in ratings can have a very positive effect on the application.

Friday, July 20, 2012

Why Use a Quitclaim Deed for Real Estate Ownership Change in Trusts, Divorce and Timeshares

Quitclaim deeds can be used to:

* Transfer Hawaiian real estate property into a trust
* Add a spouse as co-owner to real estate property in Hawaii
* Remove a spouse as co-owner to Hawaii real estate property due to divorce or dissolution of marriage
* Add or remove a domestic partner as co-owner to Hawaii real estate property
* Give away a timeshare estate located in Hawaii

In Hawaii, not only must the deed be prepared, it must also be recorded with the Bureau of Conveyance

Why a Quitclaim Deed?

Quit claim deeds are for change in real estate ownership that have no consideration or assumption of debt. A quitclaim deed does not contain any implied warranties.

The owner who quitclaims real estate simple conveys whatever ownership interest he or she has along with any debt or loans secured by the property. The quitclaim owner makes no promises and the property is taken "as is." A quitclaim is the easiest and cheapest way to transfer ownership to a trust, add or remove a co-owner or give away a timeshare.

Why Record the Deed?

Not only must a quitclaim deed be properly prepared, the original deed must be physically presented to the State of Hawaii's Bureau of Conveyance for the public record. The deed must be made part of the public record so the world knows there has been a change of ownership.

Hawaii is the only state in the nation with a single statewide recording office. There are two systems of recording in the State of Hawaii. The Regular System basically serves to give "notice" that something is on record. The Regular System is similar to the recording by county found in the other states.

There is also the Land Court System. Land Court issues certificate of titles to owners of land. Ownership in Land Court is guaranteed by the State of Hawaii.

Documents are recorded either in the Land Court system, the Regular System or both, depending on which system the land was originally recorded. When recorded in both land systems, documents are said to be recorded in the "Double" System.

Make it Legal...

A properly prepared quitclaim deed must have a legal description so the Bureau of Conveyances can add the deed to the public chain of title. The legal description is not the street address. The legal description has at a minimum the map, block and lot number of the real estate property. The Bureau will not accept a quitclaim deed without a legal description.

Thursday, July 19, 2012

Budget is NOT a Four Letter Word: Knowing the Difference Between Discretionary and Non-discretionary Spending

What does the word budget mean to you? Do you immediately have a negative reaction and feel as if a noose is tightening around your neck? Many people have a negative emotional response and thus, the word budget is not often seen in a positive light. In fact, some people can't create and/or stick to a budget, simply because of what the word means to them.

Budget is not a four-letter word! And considering the challenging economy we're in, it should be a word that is not only embraced, but spoken loudly and without embarrassment, trepidation or fear.

Why is a budget important? Because more likely than not, you are among the more than half of workers out there living paycheck to paycheck and wouldn't it be nice to know where your money is really going? Wouldn't it be nice to have more control over your hard earned dollars and save for retirement and pay off debt? And maybe even take a nice trip or two and not completely panic when the water heater dies (because you've budgeted for home repair)?

The key to starting a budget for yourself or your family is knowing the difference between discretionary and non-discretionary spending.

Non-discretionary spending is what you MUST spend each month to keep a roof over your head, the lights on, and food on the table. Housing is usually the largest chunk of everybody's non-discretionary spending. And while we are less able to change non-discretionary spending over the short term, your decisions do play a major role in how much this is (i.e. do you really need a 5,000 square foot house for 4 people or 2 new leased cars every 3 years?)

Discretionary spending includes all the extras trips to Starbucks, entertainment, premium movie channels, vacations, etc. After you've paid all your bills, do you know where all your money goes?

To find out, start writing down what you spend. Carry a small notebook in your pocket or purse and write down the amount each time you make a purchase, either in cash, on a debit card or on your credit card. At the end of the month, total the amount in the notepad.

I know many people who have done this exercise over a few months and were completely surprised (and a bit depressed) about how much they were spending and how little they had to show for it. Spending a month on fancy coffee drinks, 0 on lunches out, or 0 on shoes and accessories that are hardly used is not uncommon. The people who I've talked to who have done this exercise often begin to question many of their purchases because they start to think of other ways they could be spending their money and having it work for them.

There's nothing wrong with spending a day on double latte if that's where you want your money to go. But you may decide that you'd rather spend that 0 a year on a new couch, use it for that trip to Paris you've always wanted to take, or save it for next year because you know little Johnny is going need braces.

If you have spending or saving goals and really want to meet them, knowing where your money is really going is the best place to start.

Tuesday, July 17, 2012

Albuquerque Mortgage Loans and Short Sales

Another huge topic in the discussion of Albuquerque mortgage loans is a short sale or a pre-foreclosure sale. This is actually one of the largest factors that can affect anyone's credit. Here are some of the nuances and fundamental details that anyone should know about pre-foreclosure sales.
Basic Definition of a Short Sale - In Plain English
Veering away from any type of technical jargon, a pre-foreclosure sale or short sale happens when a lender (such as a bank for instance) agrees to discount a borrower's loan balance due a financial or economic crisis or hardship on the part of the borrower.
The borrower then goes on to sell the mortgaged property according to the original loan amount minus the amount of the loan balance that was already waived by the lender. The effect of course is that it will make the mortgaged property a lot easier to sell, as opposed to selling the entire property at full price.
Once the property in question has been sold, the entire sale amount will then be surrendered to the lender. This will be then be taken as the full payment of the borrower's debt. That basically sounds like a pretty good offer in case both parties can agree on it. It will be an easy compromise. However, it will also have other facets that both parties will have to deal with.
One thing that should be remembered is that before any money gets to exchange hands between a would-be buyer and the borrower, the lender or bank should approve the proposed sale, which definitely includes the sale price. This is a way to protect the interest of the lender. The borrower can't be allowed to sell the property at rock bottom prices.
Take note that this is not an easy deal to pull off especially with a bank. There is just no guarantee that the bank will discount the amount of the balance that has not been paid by the borrower. Many factors will definitely come into play including the prevailing market climate.
Benefits to Both Parties
In the world of Albuquerque mortgage loans, this is positively seen as a win-win situation. Executing a short sale entirely prevents a foreclosure. The lender will benefit from the deal since it will only represent a small fraction of monetary loss. On the part of the borrower, this is an opportunity to keep one's credit record or credit history clean. No one wants to have a foreclosure tainting their credit history.
Effects on the Borrower's Credit Status
Make no doubt about it, a short sale will still get recorded into the records of anyone's credit history. However, the record will be marked as a paid settlement. Given the current crisis in today's property industry, short sales have become quite common.
A short sale is actually a really good option especially when one's finances are in the rough. Sure the borrower loses a home but at least the credit history is not completely marred and the lender gets to keep a good portion of the money that was lent. This can be seen as a good option especially when dealing with Albuquerque mortgage loans.

Sunday, July 15, 2012

At Last, You Can Earn 15.83% Average Annual Rate of Return Without "Wall Street" Risks

Earlier this year I wrote an article with a similar title.

One reader asked: "How can this be possible, because it sounds too good to be true."

Both the "'too-good-to-be-true" quote and the "How" question deserve answers. So, here goes.

Let's start by explaining the TIP investment.Chances are you have never heard of this investment. What is the investment? Life Settlements (LS) --- Also called Transferable Insurance Policy or TIP(s). The best way to understand how a TIP (TIPs is plural) works is by an example, which follows:

EXAMPLE: Joe, age 67, owns a life insurance policy with a 0,000 death benefit and a ,000 cash surrender value (CSV). Joe would like to stop paying premiums. Of course, he can cancel the policy and get the ,000 CSV from the insurance company. An investor (really a group of investors) buys Joe's policy for 0,000, paid in cash to Joe immediately. The investors now own the policy. The group of investors will receive the 0,000 death benefit when Joe dies. This transaction (Joe selling the policy and the investors buying it) is called LS. A TIP is a fractional interest in a LS. Let's say Rick is one of the investors. Say Rick invests 0,000. He will wind up with a diversified portfolio of TIPs (about 5 to 10). Each one of the TIPs will be a fractional interest in Joe's 0,000 policy, say 3 percent or ,000. This TIP (Joe's) will pay Rick exactly ,000 when Joe dies.

A public company (trades on the NASDAQ) invented TIPs. Twice a year the company publishes its average rate of return for the years (now 16) it has been in business.

A common question is, "What are the tax consequences of a TIP?" All taxes are deferred until the TIP is paid. In the above example, Rick would not have any taxable income. A TIP is always ordinary income. It is not payable until he receives the ,000. If Rick had invested his 0,000 from a qualified plan (401(k), profit-sharing, IRA or the like) the income would stay in the plan (like all other investments) and all income taxes deferred until funds are distributed to Rick.

First, a little background about the life insurance industry. There are basically two types of life insurance: permanent [has cash surrender value (CSV)] and term (no CSV). According to Milliman and Robertson, an international actuarial firm, 89.5% of Universal Life policies never result in a death claim. The policies are either surrendered, or worse, allowed to lapse. Note: Universal life is the most common type of permanent life insurance sold in the United States.

And what about term insurances? These facts are, although true, almost unbelievable: According to Tax Planning With Life Insurance, authored by Zaristky and Leimberger, Ten years after issue, there is only a 15 percent probability that at term policy will be in force at the insured's death. There is less than a 2 percent probability that term insurance bought twenty years before an insured's death will be in force. So, on average 93% of all life insurance policies sold never pay even in death benefits.

Amazing! Think about it, life insurance companies deposit premium dollars year after year and about 93% of the time keep all of the dollars, while the insured or his heirs get nothing in return. One exception, the policy owner terminates a policy by getting back the CSV. Long story short, LSs to the rescue. However, before the invention of TIPs, LSs were the sole profit playground of institutional investors: large companies with deep-cash pockets, like giant insurance companies (such as AIG and CNA).

Even Warren Buffet's Berkshire Hathaway has been in the LS game for about 15 years and recently announced a 0 million loan to a new wholly owned subsidiary to invest in LSs. TIPs are the bridge that allows the little guy to get into the LS profit game.

Go back to Joe's LS/TIP example. If Joe had cashed in his policy for the ,000 CSV, the life insurance company would have been off of a 0,000 death benefit hook. It's easy to see why Joe is delighted with his 0,000 LS. Of course, the insurance company is anything but delighted and would like to keep LSs secret.

The pure economic fact is that the investor stands tall in the profit shoes of the insurance company. The investor stands to profit with a gross of 0,000 (0,000 death benefit less an acquisition cost of 0,000), reduced by future premiums (until Joe passes on). The LS side of the transaction with Joe is handled by the NASDAQ company, which then arranges for little-guy investors to purchase TIPs. The potential profit percentage calculated on each TIP investment is based on the projected life expectancy of each LS policy seller at about 16% plus.

Generally, the NASDAQ company only completes LSs where the insured's life expectancy is actuarially five years or less. The result of how a TIP transaction is structured allows the TIP investor to earn an average annual historic rate of return of 15.83%.

No worrying about "Wall Street" volatility or whether "The Market" goes up, sideways, or down.

Now you know how it's done.

You also know because of the strange economics (no death benefit are paid about 93% of the time) of the insurance industry and the ingenious way TIPs are structured that a 15.83% average annual rate of return is indeed, not too good to be true.

Friday, July 13, 2012

Know How Does Channel Management Program Works?

Channel Marketing Management is the system of developing formalized programs meant for servicing the needs of customers within a offered channel. Additionally it is meant for selling a given product or service to the customers in a extremely good manner.

Basically, you can find various types of channel management solutions out there. They furthermore offer you certain plans in several forms. Regardless, there's always the right channel management program that can suit your needs. You only need to find out how this sort of program works.

Basic Features of a Channel Marketing Program

A good channel marketing program comes with unique features. Let's examine some of them.

* The Program is generally similar to running a small business. It involves figuring out your company, your customer's issues and also your channel partner's business.

* The program furthermore requires an setup plan. This has got the way you want your products or services to be advertised. It furthermore involves the way you want to develop and also improve your earnings base, how to recognize target customers and also communication channels. It furthermore involves how to create an ongoing value for your company.

How a Channel Management Program Works

For any channel Management program to work properly, you have to have an effective plan on ground. The important things you must consider include:

* Segmenting and Recruiting Method

* Revenue Stream Advancement

* Getting your companies correctly aligned and

* Expanding the Relationship

Let us analyze each one of these details even further.

Segmenting plus Recruiting Process

Listed here, you have to segment each of the available channels based on the several features that are important to your business. Amid these kinds of characteristics consists of, the buying pattern, customer requirements and also other essential factors. You will then proceed to identify the certain function of each and every partner. You should set the certain expertise of each and every partner into consideration. You can also take into account the revenue patterns you expect from them, the number of the partners, the place you actually will need them and also the influence they are going to make on your business. With these concerns, you can begin creating your channel management program.

Revenue Stream Development

You must device avenues of generating adequate revenue streams in your system. Two significant revenues can be considered here. They include your channel sales plan and also your channel marketing program. The channel sales plan requires how you are going to address several opportunities, how you are going to make preferences and also share details. Alternatively, your channel marketing plans will involve how you want to create awareness and also generate interest for your services and products.

Getting your companies correctly aligned

This includes linking various customer roles and also processes together. It also involves research, sales, marketing, finance and also other aspects. You must align all these properly to suit your business needs.

Increasing the Relationship

This involves understanding how your partners are organized, understanding their key business procedures and also knowing the major decision makers involved. They must come together to form a synergy.

In all, your channel management program will usually work if you take time to create it according to principles. You can even locate trustworthy clues from various channel management services.

Wednesday, July 11, 2012

Creative Financing - Ten Ways

Do all the creative financing techniques you hear about really work? Yes, actually. They probably have all worked somewhere for someone at least once. The point isn't if they will all work for you. The point is to know what is possible, so you can find your own creative ways to invest in real estate. Here are ten methods to get you thinking.

1. Hard money lenders. You can ask around or find these online. They specialize in short-term loans at high interest. You typically use this type of financing for a "fix and flip." You can often get the money fast, and if you make ,000 on a project, who cares if you paid ,000 interest in six months.

2. No-doc and low-doc loans. No (or low) documentation of your income or credit required. Again, you can find banks that do these online now. The catch is that you will only be able to borrow up to 80% of the purchase price or property value. If you have 10% in cash, you might be able to borrow the other 10% from a friend or the seller.

3. Seller-carried second mortgages. Sometimes a bank will loan you 90%, and allow the seller to take back a second mortgage from you for 5%, leaving you needing only 5% for a downpayment.

4. Land contract. Called "contract for sale" or other names as well, this just means the seller lets you make payments, and delivers the title upon payment in full. I sold a rental this way for ,000 down, because I wanted the 9% interest, and the higher price I got this way.

5. Credit cards. If a seller will take ,000 down on a fixer-upper that you expect to make ,000 on, why not use credit cards? This is a true 0-down deal for you, and if you turn the project in six months, you will have paid 0 in interest on an 18% credit card. Don't let 0 get in the way of making ,000.

6. Retirement accounts. The laws get pretty complex in this area, but you can check with a tax attorney to see how you might borrow from your own retirement account to finance real estate investments.

7. Friends and family. Keep it all business, if you use this source, but loaning you money at 7% isn't a gift if their money is getting 2% in the bank.

8. Note buyers. The seller needs cash. He raises the price, and sells to you for 0,000 with no money down, taking back two mortgages from you for ,000 and ,000. He arranged (or you did) for a note buyer to pay him ,000 cash for the first mortgage at closing, getting him the cash he wanted. You pay two payments now, one to each note holder.

9. Get a loan on other property. Interestingly, if you take out a home equity loan for a vacation, and then forget to use it for that, you can use it for the downpayment on an investment property, without violating the rules of the bank that gives you the primary mortgage. In other words, you got in with no cash of your own.

10. Partnerships. For bigger projects, you could arrange for five investors to each put money into a partnership, with your share being the management responsibility instead of cash.

Monday, July 9, 2012

Documents Needed To Claim Hra Exemption On House For Rent Bangalore?

House for rent Bangalore

* Rent receipts
* Rental agreement
HRA and Home Loan
Many people get even more confused when it comes to HRA and home loan together. But it is quite simple, really.
In a nutshell: There is no restriction in the Income Tax (IT) Act about claiming home loan and HRA benefits together.
If you are staying in a house for rent Bangalore accommodation, and have taken a home loan for purchase of a house, you can claim benefit for both HRA and the principal and interest components of the home loan.

(Please read Income Tax (IT) Benefits of a Home Loan / Housing Loan / Mortgage for more on IT benefits that you can get using a home loan).
You can claim these benefits even if you have rented out the house you have purchased through a home loan, and are yourself living in another rented accommodation.
The city where you own a house and the city where you work also has no significance: There can be different cities, or can be the same.

There are certain conditions that should be met for claiming IT benefit on HRA.
You can claim HRA exemption towards house for rent Bangalore, if:

* You receive HRA as part of your salary
* You pay the rent
* You stay in the rented house for which you pay the rent
* You do not own the house for which you are paying the rent

Thus, for example, you are paying the house for rent Bangalore in which your parents stay, but you stay in a different house. Then, you cannot claim exemption for that. You yourself should be an occupant of the house.

Following are some of the reasons considered genuine:
* The house you own is not conveniently located with respect to your workplace
* Your parents are living in the house you own. So, you have to stay in a rented place.
* The house you own is small. So, you have to rent a bigger house.
* You have rented out the house you own. And you stay in another house that you have taken on rent.
Experience is what makes a difference. Along with experience comes the mastery of the field. Along with mastery is the expertise.

Tuesday, July 3, 2012

Fundamental Analysis And The Five Main Ratios

Fundamental Analysis and the five main ratios

Fundamental analysis also known as quantitative' analysis involves the detailed analysis of financial statements to assess how a company may perform in the future. Fundamental analysis is not qualitative analysis, i.e., it does take account of the intangible and hence hard-to-measure aspects of a company's operations such as the value of its goodwill, the value of any brands it may own and other intangibles. Neither does fundamental analysis encompass technical analysis where decisions to trade are based solely on a share's price and volume movements. Fundamental analysis uses real, hard data to ascertain a share's real (intrinsic) worth by examining revenues, earnings, future growth, return on equity, profit margins and other data. When positive' anomalies are found i.e. a company's share appears undervalued, then the investor may consider buying in.

Investors who depend solely on fundamental analysis (Value Investors) will normally use at least five key ratios to decide whether a share represents good value or not. For these ratios to be meaningful, the comparisons should be between i) similar entities in similar sectors or industries and ii) well established businesses as distinct to start ups, or businesses in other special circumstances.

Price-to-Earnings Ratio (P/E)
One of the best-known and most valuable of the five key ratios. P/E compares a company's current share price with its past (trailing P/E) or potential earnings (forward P/E) per share. If, for example, a company's share price is currently 10 a share and the earnings over the last 12 months (a trailing P/E) were 0.50p a share, then the P/E ratio would be a value of 20 (10 divided by 0.50p). Assuming the financial performance of two companies is almost identical, then the company with the lowest P/E ratio costs less per share for the same financial outcome than the one with the higher P/E.

Price-to-Book Ratio (P/B)
The P/B indicates the amount investors are willing to pay for a share of the company's tangible assets, which by definition excludes intangible assets such as goodwill. The investor must first know the book value of all the company's fixed and current assets minus its current and long-term liabilities values which can be obtained from the balance sheet. The ratio is calculated by dividing the total value of the assets by the total number of issued shares. If the resultant ratio is less than 1, it would mean that shares can be bought in that company for less than the book value of its assets.

Debt-to-Equity Ratio (D/E)
The D/E ratio also known as Gearing' indicates what proportion of shareholders' funds (and some other types of debt such as loans or bonds) are being used to finance the assets of the business. It can also indicate how much money a company can safely afford to borrow over the long term. To determine the D/E ratio, the company's total long term debt is divided by shareholders equity. If a company has total debts of 1,000,000 and shareholder's equity of 4,000,000 then the debt/equity ratio would be 0.25 (1,000,000 divided by 4,000,000). Where the ratio is higher than 100 the majority of the company's assets are financed through debt: if the ratio is less than 100, then the assets are financed mainly through equity.

Free Cash Flow (FCF)
Free cash flow measures how much money a company has left over after paying its overheads and taxes, making any capital investments and covering its working capital requirements. Knowing the FCF is particularly important to shareholders as it shows the amount of money that's available for dividend payments. FCF also enables the business to buy back shares, reduce or eliminate debt and invest in plant and equipment. The ratio is calculated by subtracting non-discretionary costs such as capital expenditure from the company's operating cash flow and then dividing that figure by the company's market capitalisation and total debt. Strong companies usually show positive free cash flow and the higher the FCF ratio, the better.

The price to earnings growth ratio (PEG)
This is an extended version of the P/E ratio as it takes earnings growth into account. PEG compares a company's P/E ratio to its earnings growth rate to determine whether the shares are undervalued or overvalued. The ratio is calculated by dividing a share's P/E ratio by its projected year-over-year earnings growth rate. So if for example the company's earnings per share the previous year were 15p and projected earnings per share this year are 18p that represents an earnings growth rate of 20%. On that basis if the company's P/E ratio were 30 then the PEG would be 1.5 i.e. 30/20 suggesting that the shares may be overvalued by as much as 50%. Conversely, and as a rule of thumb only, a PEG of less than 1.might suggest the shares are cheap. Generally speaking, the lower the PEG, the better the value, because each module of earnings growth costs the investor less.

Free And Easy Unclaimed Money Search Tips

Unclaimed money can be searched and retrieved quite effortlessly. Contrary to the common belief, an unclaimed money search might just be a few clicks away. Many U.S. residents are coming forward to stake a claim to their lost monies after years of sustained outreach campaign from the government. As a result of these campaigns, there is now a certain level of curiosity in the general population.

The unclaimed money pile has been growing unabated and is on an all time high. This has created major concern for the state treasury officials as well as the federal decision makers. As part of the various measures taken up by state and federal governments, one of the major emphases was on creating simple tools and processes for the of

The unclaimed assets are safe with the government, since most of the people had firm belief that their hard earned money is lost forever. In addition to safeguarding the unclaimed money, the government has taken all the possible steps to make the claim process a smooth ride for everybody. Unclaimed money search simplifications has been accompanied by the introduction of a lot of tools and websites which enable the claimants to conduct their search process in a seamless manner.

Starting with the launch of state treasury websites to organizing state fairs with Unclaimed search booths', state and federal authorities have taken some very commendable steps in order to simplify the process of the unclaimed money search. A few tips that has been shared and passed on by the successful claimants of unclaimed property search can be summarized below.



* Accredited websites are a great source: The majority of the states have launched very informative website which are loaded with valuable information related to the claim process as well as the latest list of owners. The good part is that even a technologically novice person can utilize the simple steps on these websites and start the much awaited unclaimed money search.

* Utilize the Unclaimed search database: The database of unclaimed money owners is continuously updated with the most current list of unclaimed money search recipients. This ensures that even if you have lost your money recently, your name and unclaimed money amount will be there. The claimants will also find the contact details of all the authorities who are in charge of all the unclaimed money search

* Create an unclaimed money search plan: An understanding of the unclaimed money process is required before the search campaign is kicked-off. You can also shortlist all the private unclaimed property search agencies' which are considered reliable by the authorities and have been accredited.

* Media utilization: Creating effective outreach programs was important for the success of these campaigns. In order to reach out to the maximum number of people, authorities have utilized every practical media format to spread the word about the unclaimed money search. It is very important that you are alert towards any news or press release coming out through print, electronic and online media channels. In other words, the owners of the unclaimed money should keep their eyes and ears open for any news regarding the unclaimed money surfacing in the print, online and electronic media

* State Sponsored fairs: In a recent addition to the awareness methods, authorities have been organizing public fairs. These publicly announced fairs assist any unclaimed funds or property owner on a walk-in basis.

* Specific websites: For unclaimed bank accounts: www.fdic.gov .For Pension funds: search.pbgc.gov/mp/

Sunday, July 1, 2012

Kaiser Permanente Health Insurance

Insurance is defined as transferring the risk of loss; here the insurer exchanges the premium, to pay the insured person a fixed amount of money, in case if any unexpected events happen. Insurance gives protection against any (financial) loss that could arise unexpectedly. It is important that everyone should

take insurance because we do not know what happens the next minute. Life insurance, vehicle insurance, home insurance, travel insurance and medical insurance are some of the different kinds of insurance. Everybody wants to be fit, hale and healthy, because lots of unknown diseases keep arising day by day. Many people spend a lot on medical expenses. By becoming a member in any health insurance company, you could surely save your money.

There are many companies which offer various health insurance plans. The plan of each and every insurance company varies. Out of which, Kaiser Permanente is one of the leading Health Maintenance Organization in the United States of America. The headquarters of Kaiser Permanente is located in California.

Kaiser Permanente insurance company provides insurance coverage at affordable prices with good quality. Kaiser health insurance provides health care coverage within the state and anywhere within the world. Now, Kaiser Permanente is located in nine states, so the people can make use of their services. Kaiser Permanente insurance coverage includes Doctor Visits, physical examination of the body, surgery, emergency services, maternity and prenatal care, surgery, post-surgery care in hospital and

medicines. They also provide you information on medicines, food and exercise.

Kaiser Permanente offers a range of individual and family health insurance plans; it is your wish to choose the plan which suits you. The plans in Kaiser fit your budget as well as your lifestyle needs. Kaiser Permanente provides,

-Quality care, where you can choose your primary care doctor to fulfill your personal health needs.
-Affordable care, it is your option to select the plan that suits your budget and you can manage your medical expenses.
-Convenient care, for the people who lead a busy life, have access to on-site labs, X-rays and pharmacy services and you also have access to health and drug encyclopedias, physician and facility directories, make routine appointments and can refill prescriptions anytime.

California Kaiser Health InsuranceCurrently California Kaiser Health Insurance has 75,000 employees and it is a non-profit healthcare company. When selecting a health care insurance company, the following things should be taken into consideration. Budget is the first thing which should be always kept in mind. It is better to know how much it will cost to meet deductibles and also know about the availability of co-payment plans. It offers a

variety of options for both individuals and families.

Why to choose Kaiser Permanente health insurance?The Kaiser Insurance Company offers healthcare needs at affordable rates. Kaiser insurance has high quality staffs and physicians who work together to maintain the health, throughout the various stages of

life. Currently, Kaiser Health Insurance covers over eight million people in the world and it keeps expanding its coverage day by day.

Brand Management: Two of the Most Critical Elements in Branding

Brand Management is led by brand managers or specialists. These professionals are equipped with not only the innate creativity and business aptitude but also an impressive educational background that render them as unquestionable experts in the field. The people who are eventually given brand specialist designation have extensive experience in the field of marketing, advertising, or business administration. This set of expertise is vital in carrying out the various demands of the job.

Brand Management is one of the most daunting duties in a corporate set up. Brand managers are directly involved in a company's sales, advertising and promotions, and even budget and finance department. He or she juggles myriad responsibilities that could include, coordinating with advertising agencies in order to close marketing or promotional deals, be aligned with the sales team in order to keep track with product performance in the market, and of course set up meetings with budget and finance personnel in order to agree with Brand Management related budget allocations.

To top it all up, brand specialists are required to monitor the effectiveness of Product Packaging as well as entertain or determine possible areas in Brand Innovation.

Product Packaging- The word packaging used in this context doesn't only mean the physical look of the product, although it is a vital part of the concept. Product Packaging refers to the general message that the product wants to send. This message considers, put into consideration many factors such as target market or demographics. In determining the most suited packaging of a product, many questions should be asked. Who do I want to cater to? What do I stand for? Who are my direct competitors and how can I stand out amidst competition? Once these questions are answered with thoroughness and enough research, the packaging can prove effective.

Although in the field of advertising and marketing, nothing is really absolute. This makes Brand Management and Product Packaging even harder.

Brand Innovation- Even if a product is performing well in the market, one of the most consistent duties of brand specialists and a major consideration in brand management is Brand Innovation.

Not only is the advertising or marketing field a challenging prospect, but the market itself can be rather fickle and unpredictable. Even if a brand or product is doing well now, it is not always an assurance that it will its edge over its competition. Put in mind that direct competitors are also staging their very own marketing and advertising initiatives and people are always susceptible to the luring effects of these messages. To top it all up, new products as well as alternative brands emerge from time to time which affects everyone else's share of the money-pie. This is where Brand Innovation comes to play.

It is imperative that brand managers or specialists to have a back-up plan ready to be utilized once its market share has been compromised. This innovation plan should be made through extensive product and market research. The most vital question: Where do I want to take my product?

Brand Management may not be rocket science. But it does involve complicated decisions that would require the necessary knowledge and skills from you.