Thursday, May 31, 2012

Benefits of Asset Finance- The Reason Behind its Popularity

Asset finance is a sort of financial arrangement with the help of which one can purchase any business related equipment be it new and used cars, machinery or office equipment. As the loan can be arranged easily, many business firms take the asset finance route to expand their business infrastructure and this is adding to its growing popularity as an affordable finance solution.

Here are some major benefits associated with asset finance:

Helps in saving working capital

Buying equipment outright needs a huge amount of capital investment that at times prevents the business owner from investing in other projects. But with smaller, frequent lease payments, one can save some much needed cash and invest it in other areas of the business. It helps a company to adapt quickly to new business opportunities and meet unexpected requirements.

Helps in responding to opportunities

To take advantage of sudden unexpected opportunities, one needs money. And especially businesses are almost always in need of easy finance solutions to keep pace with latest technological developments. Timely response to the changing needs of the business holds the key to success. Asset finance is one of the quicker solutions that can be arranged in relatively shorter time.

Helps in managing the budget

Asset finance allows one to make regular fixed payments for a particular period of time leaving one comparatively free from inflation worries or changes in interest rates. Hence, it becomes easier for a business firm to plan its future budgeting.

Helps in maintaining existing credits

With asset finance, there would not be any problem in maintaining other existing credit lines arranged with a bank or other financial institutions. Hence, if necessary, a business firm is free to use other bank facilities any time.

Has a flexible nature

Under each and every asset finance agreement, a lot of meticulous attention is given to the lender's requirements. Most of these finance solutions are tailor made to ensure that the future targets of the business can be achieved as planned.

No need for any deposit

For arranging an asset finance loan, there is no hard and fast rule for a deposit. The borrower just needs to make regular payments to repay the loan as per the terms of the agreement.

Maximum tax benefits

As the lease payments are referred to as expenses, it means the payments may be offset against taxable profits. It ultimately helps in reducing the overall cost. Moreover, the untaxed portion can be used in a profitable manner.

Payments as per the lender's convenience

For the repayment of an assent finance loan, the lender has the flexibility to choose the repayment option. While payments can be made through direct debit, there are also provisions to choose the period - monthly or quarterly. One can decide the right option depending upon their financial conditions.

These positive factors do make it seem as if asset finance is the best solution whenever your business is in need of fast cash. But before applying for asset finance, it is advisable to understand all its pros and cons.

Rather than taking the plunge without adequate homework, it is advisable to take the help of some consulting company which is networked with the top lenders and can help you to get competitive and tailored asset financial solutions to suit your business requirements.

How Can I Buy Stuff on from India?

If you are anywhere in India and you are into online shopping through, you may rave about the fact that you can now buy anything you like from the Website without much hassle. You may know by now that the online shopping store can only commit to sell and deliver light items to Indian customers because of logistical limitations. Now, you can further enjoy USA shopping through's wide variety of items-for-sale and at low prices, even if you intend to purchase more than one item. is not yet offering other options when delivering purchased items to India but this should not stop you from enjoying online shopping through the Website. You can easily get an account in a third-party package forwarding service that is also operating online. The most recommended service of such type is The service makes it possible for shoppers from almost anywhere in the world to continue enjoying online shopping at the Website. delivers to up to 220 nations and territories globally, including India.
How does the service work? will provide you with a unique physical USA address in North Carolina (where the company is headquartered). You can use the US shopping address when making purchases for delivery via (and all other US-based online sellers). The address is not even a Post Office Box. Thus, you can be sure there will be no hassle when delivers the purchased items to your address.

From there, your purchased item will be stored in's own warehouse. The service will take care of delivering the item to your address in India. It can take just about three to five days before you can expect the item to be delivered right to your own doorstep from your USA address. It is that easy. The advantage of using the service is that you can now buy in the USA just about anything you want through Gone are the days when you have to limit your purchases to books and other small items just because does not deliver heavy and bulky items to India.
Not only that. Now, you can enjoy the freedom of buying as many items from as you like. Since the Website does not deliver multiple items at the same time, you can have them all delivered to your US shopping address. There, you can authorize to consolidate the items and send them as one bulk package to you. It can involve repacking if you want to save on costs or you can instruct the company to just consolidate packaged items into one huge delivery box before it is delivered to India.
To enjoy the advantage and usefulness of and at the same time take a splurge on USA shopping via, it is best if you would get an account now. Go to the official Website of the company and complete the registration process in just a few minutes. You can instantly get your new USA address so you can proceed to shopping anytime.

Tuesday, May 29, 2012

Why Securing Mortgage Loans With Bad Credit Can Mean Lower Interest

It is an accepted fact that the credit score an applicant has has a direct influence on the rate of interest traditional lenders charge. But with online lending, where credit scores are simply not included in the equation, this fact does not necessarily apply. Securing mortgage loans with bad credit no longer guarantees a high interest rate, but can instead come at lower rates.

There are plausible reasons why a combination of bad credit and low interest rates are possible, not least the fact that, in recent years, many honest people have been caught out by the economic downturn. It may still be impossible to get guaranteed approval, but lenders are more willing to trust the applicants who have a reliable source of income over their credit scores.

And since online lenders tend to specialize on loan packages designed for people with low credit scores, even their mortgage loans can be considered affordable by almost everyone.

Online Mortgage Lenders

For online lenders, competing with the long-established traditional lending institutions is a major challenge. But by publicizing the fact that credit scores bear no influence over the approval process, they have become more attractive to consumers. And with the rate of interest also kept low, getting a mortgage loan with bad credit scores does not mean a lifetime struggle to pay them.

The fact is that even offering guaranteed approval is not always enough to win the day for banks. If an online lender can charge a rate just 0.5% below a normal bank, the savings over the lifetime of the mortgage could be huge. Savings of just 0 per month on a 30-year mortgage could mean the borrower pays ,000 less - a significant sum.

We know that mortgage loans are probably the biggest single type of personal debt that most people will ever take on. So, the attraction that savings, especially of such size, has to the consumer is not difficult to understand. Nor is the fact that online lenders are known to offer the best deals.

Markers Worth Considering

However, the generosity of online lenders is not endless. When seeking mortgage loans with bad credit, there are some conditions that need to be taken into account.

Often a down payment is necessary. While getting a guaranteed approval might seem like a gift from heaven, knowing what is a good deal rests on knowing how much the down payment should be. Knowing what a credit score is gives a very accurate indication.

For example, if an applicant has a score that is below 585, then a down payment of at least 10% the value of the property is expected. If it is between 585 and 599, then a down payment of around 5% is expected.

But, if the score is 600 or above, a mortgage loan worth 100% the property value could be secured, though this does depend on the lender.

What About Bankruptcy?

For some, applying for mortgage loans with bad credit scores, bankruptcy is the key concern. But even in this regard, many online lenders have an open mind with the period of time since the ruling their only consideration.

It is generally expected that after 2 years, someone who had been declared bankrupt will have improved their financial situation significantly. While guaranteed approval is out of the question, applicants are considered on their merits.

After 3 years, the chances of getting a mortgage loan is improved on again. However, it is advised not to seek any mortgage within a period of 2 years after a bankruptcy ruling.

Sunday, May 27, 2012

Residential Plots In Bhopal Blessed With The Nature

Have you been dreaming of palatial home surrounded by lush green lawns sprawling across with the perfect living ambiance? Well you can turn the dream in reality now. Come to Swarnabhoomi open developed residential plots in Bhopal (MP) blessed with the nature's natural lawns & foliage. Your dream comes true with peace & tranquil living.

A new venture "Swarnabhoomi" has developed residential plots in Bhopal which is far from the city's chaos and noise yet so close to the most basic amenities, a family needs. The Quality of life within this prestigious gated community is characterized by outstanding levels of comfort, convenience and security. Swarnabhoomi is located at the quiet Northwestern edge of the city and it will undoubtedly be among the city's most desirable address in the days to come.......

Our goal is to be the pioneers in presenting the best investments and remunerative opportunities to our valued clients and partners. We aim at providing the best services by hiring the most qualified and trained staff using the best technologies and techniques in an effort to protect the customers' rights and provide them with the best revenues. Bhoomi infra Group to insure the transparency and credibility of its transactions. Bhoomi infra Group is proud of its customers trust and takes pride in being their permanent partner

Bhoomi unfailingly promises and deliver
Covered and secured campus and royal entrance gate
Internal roads
Plantation and lush green landscaping
play grounds,
Kids play Zone,
Joggers Park
Community center,
Basket ball,
Club house,
Badminton court.
Hi tech gymnasium,
WI-Fi facilitated area
Open theater
Street lights,
Underground cabled electrification,
Space for Religious structure
Water and sewage infrastructure
Common electricity

Thursday, May 24, 2012

Test 00m-234: Ibm Netezza Sales Mastery Test V1

Upon realization the IBM Netezza knowledge, you are ready to take the IBM Netezza Revenue Abilities Test v1 to become an IBM Netezza Sales Expert v1.
You are permitted two efforts to complete a sales mastery test. After 2 unsuccessful efforts, you must delay three months before taking exam again.

Skill name: IBM Netezza Sales Expert v1

Your sales exercising should not end here. IBM motivates you to expand the sales skills by participating additional workshops, teleconferences, self-paced research, etc. Consult the Details Control web page in PartnerWorld or visit the IBM PartnerWorld Web site - Training and qualification. Upon realization the IBM Netezza knowledge, you are ready to take the IBM Netezza Revenue Abilities Test v1 to become an IBM Netezza Sales Expert v1.
You are permitted two efforts to complete a sales mastery test. After 2 unsuccessful efforts, you must delay three months before taking exam again.

Passing this test will credit towards your PartnerWorld Leading and Innovative account stage point specifications. It also allows you to use the IBM Netezza Sales Expert name on your card.

Test information

Number of questions: 30
Time permitted in minutes: 60
Required moving score: 76%
Test languages: French, English, German, etc.

Exam Objectives

Followings are the examination goals for the IBM test 00M-234:

Area 1 - Netezza Review (17%)

1. Be able to explain a summary of the IBM Netezza information factory appliance

Area 2 - IBM Netezza Client Value and Difference (20%)

1. Be able to explain the exclusive IBM Netezza customer value undertaking and why it is different from conventional approaches

Area 3 - Inside the IBM Netezza Equipment (20%)

1. Demonstrate information of the IBM Netezza structure and how it results in customer value

Area 4 - IBM Netezza Revenue Procedure and Chance Recognition (20%)

1. Be able to recognize and are eligible IBM Netezza sales possibilities and illustrate information of the IBM Netezza sales process

Area 5 - IBM Netezza Client Cases (17%)

1. Be able to communicate IBM Netezza customer testimonials and the advantages that resulted

Area 6 - IBM Netezza Benefits over Competitors (6%)

1. Be able to explain the strong points of IBM Netezza comparative to competitors

Benefits of IBM Certifications

1. IBM qualification provides an improved knowing of the preparing, design, and servicing of IBM items and systems.
2. IBM qualified experts are more effective and effective in the office. They are identified worldwide for their audio information, expertise and best alternatives to concerns.
3. An IBM qualification provides higher spirits and self assurance, besides attractive incomes and better possibilities for special provides
4. IBM qualified experts can use the IBM logo on their cards, cover letters and resumes and literary works to recognize themselves among customers and co-workers.
5. You will get better job possibilities by accomplishing this qualification.

Preparing for IBM certifications

IBM qualification program provides basic to advanced qualification on the Oracle items and systems. IBM qualification examination contains multiple-choice concerns relevant to the specific technological innovation. You should choose an exercising source that helps you exercise on the real structure of the IBM qualification examination.

From Your Account To Your Purse: How ATMs Give You Your Money

Over the last half century, automated teller machines or ATMs as they're more commonly known have revolutionised the way we bank. Initially created simply to dispense cash, today's ATMs perform a range of functions. In the 21st century, you can use an ATM to deposit cash as well as withdraw it from your account, check your balance and to top up your mobile phone. Many ATMs also have multi-lingual capabilities and touch screen functionality, making them more relevant and useful in today's globalised world.

But how exactly do ATMs work? Read on to find out more about this ground-breaking machine and how it gets your money from your account to your purse.

How ATMs work

If you've just opened a bank account, or you're simply new to ATMs, it's important to distinguish between their various components and buttons. The first step is to insert your bank card into the machine. It will then prompt you to enter your four-digit PIN which will have been given to you by your bank. Provided you have entered your PIN correctly, you'll then be asked which function you'd like to complete: for instance, a cash withdrawal, a balance check or a mobile top up. If you're withdrawing cash the most common use of an ATM you must specify how much you need. You'll hear the faint whooshing sound of notes being counted before your cash is dispensed. You can also opt to print a receipt, or sometimes a mini balance statement of your last few transactions.

Of course, the money doesn't magically fly from your bank account to the ATM. Essentially, each ATM is connected to a host processor. When you insert your card and PIN to request cash, the host routes the request to your bank or building society. Provided you have enough money, this triggers an electronic funds transfer from your bank account to the host's account. When the funds have been transferred, an approval code is sent to the ATM asking it to release the cash. The merchant running the machine will then be reimbursed by the host account soon after the transaction. It sounds like a complex process, but to the customer using the ATM it takes place in a matter of seconds.

Advantages of using ATMs

Whether or not you use an ATM to obtain cash from your account is usually a personal preference, but there are many advantages to the technology. Its primary benefit is convenience. Previously, people could only obtain money when bank branches were open. With ATMs, you have access to your money 24 hours a day. And although there may be queues at some ATMs they are usually cleared much faster than they would be in a bank, since there is no need to fill out withdrawal forms or sign receipts.

Often, you can withdraw money from any bank's ATM at no extra charge too, though it's important to remember that some ATMs may charge you to take out money. And with significant improvements to global ATM management software in recent years, it's now easier than ever to withdraw money from an ATM wherever you might be in the world.

Wednesday, May 23, 2012

Beginning Real Estate Investing 101

Best option for beginners in real estate.

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

Wholesaling? What's that?

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

Why this method?

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

1) Low to no investment.

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

b. Just locate a undervalued property.

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

2) Fast and almost immediate cash.

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

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

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

3) Once you're good at finding deals.

a. Benefit from quick closing and cashing out.

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

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

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

4) Options.

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

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

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

This is what makes wholesaling Grrrrrrrrrreat!!!!

Nicholas "Yogi" Muller/

Tuesday, May 22, 2012

Who's Minding Your Deposits?

Bankers consistently identify deposit growth as a principle driver of their future success. At the same time, experience shows that many banks still employ a relatively antiquated approach to manage their deposit gathering efforts. They generally take a "if it isn't broke, don't fix it" approach and continue with the same strategies that have served them well in the past.

Well, like it or not, the financial landscape has changed dramatically. Now more than ever, banks must adopt more proactive deposit management methods, acknowledging that it is vitally important to incorporate deposit structure risk into the institution's long-term risk management strategies. The truth is that a bank cannot effectively manage its risks if it is not evaluating all available options in its efforts to properly manage and price its deposit-products.

Virtually every bank has a designated risk management officer who is charged with developing overall risk management policies and procedures and ensuring that they are consistently applied across branches and business lines. Many of these banks, however, lack the resources to focus directly on coordinating the multiple aspects of deposit management.

Banks should, therefore, consider appointing a "Deposit Strategy Officer," a person whose responsibilities would include: diversifying funding sources; knowing the local market; educating management and directors; understanding the environment and alternative funding sources outside the local market; and actively fostering an appreciation of the liability side of the balance sheet among those in charge of the asset side.

There are several reasons why now is the time to consider appointing a Deposit Strategy Officer.

The World is Smaller

The days when community banks could rely on bricks and mortar for adequate deposits are a thing of the past. Banking is no longer a local activity. The proliferation of the internet and financial publications has given both retail and institutional customers access to banks around the country. Customers can compare rates and maturities, get advice and execute transactions from the comfort of their own homes or offices any hour of the day or night. In addition, competition has widened. Deregulation has enabled financial services providers to offer competitive deposit products. As a result, a community bank in Little Rock has to compete with the mega-corporations as well as with banks in, for example, Maine and California for the customer whose home or business is down the block.

To successfully compete in this expanded market, every bank needs a comprehensive deposit growth strategy. This strategy should outline not only how the institution is going to operate locally, but also how it can tap markets beyond its city limits when such action is warranted.

All Deposits Are Not the Same

When changes in asset composition necessitate changes in funding strategy, banks need to know how and where to get funds most cost-effectively. Pricing and available maturities vary from market to market. It is imperative that a point person within the bank be continually informed as to the cost structure and availability of multiple lines of funding. If a bank needs one-year money, an ad in the local paper or an in-branch campaign may do the trick. However, the bank may have to implement a more diverse strategy to raise the deposits that are often needed to match the longer assets on the balance sheet. A bank that limits its deposit gathering to local markets may be exposing itself to potential mismatch.

It is also important to consider not just the rate, but also the efficiency of access. Advertising a special rate on a CD or money market fund may raise the needed deposits, but the bank has very little control over the amount and timing of these deposits. In addition, the cost of funds will also include not only the advertised interest rate, but also the advertising fees and the staff needed to field calls and potentially process thousands of relatively small deposit transactions.

Alternative funding sources such as wholesale products, for example, provide low-cost, on-demand access to deposits with considerable operational efficiencies. Building, maintaining, staffing and supporting brick and mortar branches carry significant ongoing costs. Wholesale funding, on the other hand, operates on a "pay-as-you-go" basis. You can turn the lines on and off according to your needs and you only pay for it when you need it.

Risk and Deposit Management Are Intertwined

In today's volatile interest rate environment, mismatched assets and liabilities can represent a major risk. To manage this risk, banks need policies and procedures that make the liability matching structure more efficient.

Current risk management policies take rigorous steps to minimize default risk, but often do very little to protect against the cost-of-funds risk in a rising interest rate environment. Just consider: Whenever the return on a loan portfolio is repricing, it is critical that it align with the repricing on the liability side-i.e., similar direction and similar frequency. The bottom line cost of so-called cheap deposits like interest-bearing checking accounts and money market deposits can increase dramatically if they are tied to indices that are overly sensitive in an unfavorable interest rate environment. Therefore, it would appear to be in a bank's best interests to balance those deposits with a ladder of longer term deposits to protect against a rise in interest rates.

This could, however, prove to be a challenge for banks that focus primarily on their local geographical areas and traditional customer base. The flight to quality triggered by the economic meltdown and the higher FDIC limit has resulted in a deposit spike for most banks. While this is certainly good news, there may be an inherent problem. This flight to quality is also, in most cases, a flight to liquidity. Most of these deposits are going into savings accounts, money market funds or CDs of one-year or less.

In times like these when the public is thinking short-term, the Deposit Strategy Officer would be charged with going beyond local markets and finding alternative sources of longer-term funds.

The Case for Deposit Strategy Management

Banks continually talk about the importance of deposit growth, but generally do not take the steps necessary to address deposit-gathering in a systematic and consistent fashion. A strong deposit strategy management will help the bank more efficiently generate cost savings that will translate into increased profitability.

Saturday, May 19, 2012

Canoscan Lide 100 Overview

The CanoScan LiDe 100 is a scanner that can also be used to create a colour copy, PDF or email attachment. Canon equipped the LiDe 100 with several cutting-edge features that make it the perfect machine for scanning and archiving photos.

Speed and Convenience
One of the key characteristics of the CanoScan LiDe 100 is that it makes scanning quick and easy. For instance, a letter-size colour document can be scanned in about 24 seconds. One of the LiDe 100's most convenient features is the one-touch button system used to operate the machine's four functions scanning, copying and creating a PDF or e-mail attachment. Selecting the function you need is literally as easy as pushing a button.
You can save even more time by utilising the LiDe 100's Multi-Scan mode. Lay multiple photos on the scan bed, and the Multi-Scan function will automatically align, scan and name each photo as a separate file.

Image Quality
The CanoScan LiDe 100 has 2400 x 4800 dpi optical resolution with 48-bit colour. Scanned images are sharp, clear and rich in colour. You get accurate colour reproduction, which makes the LiDe 100 ideal for scanning, saving and sharing photos.

The LiDe 100's Auto Scan feature also aids in the creation of high-quality scanned images. Auto Scan detects the type of document you're scanning, such as a photo or business card, and automatically selects the right settings for scanning and saving the document.

Photo Restoration
The CanoScan LiDe 100 can be used to restore old photos. Simply scan your photo, and the LiDe 100's built-in retouching technology will automatically reduce dust and scratches and correct fading, graininess and backlighting. The LiDe 100 is an excellent tool for archiving photographs.

Z-lid Expansion Top
In the past, scanning or copying bulky items, such as pages in a book, was difficult. Canon has created a solution to that problem in the form of the Z-lid. The Z-lid expansion top lifts about 3/4 of an inch vertically to allow thick items to be placed on the scan bed. It then lays down flat for complete edge-to-edge scanning or copying.

Save Space
The CanoScan LiDe 100 features a slim, sleek design. Its compact size saves space and allows you to fit the scanner on your desktop. Workspace clutter is further reduced by the LiDe 100's use of a single cable for both power and a USB 2.0 Hi-Speed connection.

Low Environmental Impact
In addition to all its smart features, the CanoScan LiDe 100 is also eco-friendly. The LiDe 100 is built to be highly energy efficient and is powered solely through a USB cable with no external power source. The Quick Start feature saves energy by encouraging users to keep the scanner turned off when not in use. The LiDe 100 powers up with almost no warm-up time.

The CanoScan LiDe 100 is a high-tech scanner that's extremely simple to operate. With top-quality images, photo restoration and one-touch PDF creation, the LiDe 100 was built to handle both personal and business needs.

This article is brought to you by Canon Australia - Scanners for the home and office.

About Canon
Canon Australia is a leading provider of advanced, simple-to-use imaging solutions for businesses and consumers. Canon's Australian R&D company, CiSRA, develops customised solutions for local customers, and exports digital imaging technologies for use in Canon products worldwide. Canon has ranked among the top-three US patent recipients for the past 16 years, and had global revenues of around $ US39 billion in 2007. Canon Australia also operates Canon Finance Australia, which offers one-stop shopping for customers wanting leasing or finance services. For more information, visit

How to Choose the Right Roofing Company

How to Choose the Right Roofing Company

If you plan on your home lasting a lifetime, proper care and maintenance is a must. From the floor up, there are a lot of areas, if not maintained properly, that can deteriorate the health of the home.

One of the key areas in maintaining a home is proper care of the roof. With the roof being constantly exposed to the natural elements including rain, snow, hail, wind and sun, a poorly installed roof can mean big trouble. From proper framing and construction to drying in the roof, it's essential to ensure they are done correctly.

From new construction to roof remodeling, choosing a reputable, reliable roofing company is vital. There aren't any shortcuts that should be taken on a roofing job.

So how do you find the right roofing company for your home? Allow me to give you some pointers.

First, most roofing companies offer services for new construction as well as remodeling jobs. However, some are more specialized in one or the other. So take a look at where their specialties lie.

Second, if you're skeptical about a certain roofing company or contractor, ask for references. If they don't have any off hand, chances are, they've never been asked that before, they are a brand new company or they aren't a very good company.

Third, most established roofing companies rely and depend on a good reputation. There is no limit to what they'll do to make sure that the word on the streets about their work is a positive one. Word of mouth for roofing companies is their bread and butter. So ask around! Check the online reviews including the BBB or Better Business Bureau or Yelp. These are the two most commonly checked online review sites.

Fourth, sometimes the cheapest bid isn't always the best bid. In choosing your roofing company, make sure you realize that the price isn't the most important factor. Accepting a two thousand dollar lowest bid could turn into a twenty thousand dollar headache later. Choose the roofing company that will do the job right and at a fair price.

Fifth, make sure they have good customer service. Make a call into their office and see how friendly and courteous they are. In the book of business, first impressions are everything. Good companies know this and will hire someone in the front office who represents their company well.

Sixth, see what sort of a warranty they have. How long do they guarantee their roofing job. Does their warranty include material and labor?

Lastly, as much as I'd like to be an advocate for the new guy, I also want to know that my roof is guaranteed. choose a company in which you feel will still be in business for the next decade or so.

I hope these tips will be useful when choosing the right roofing company to do your roofing job. And remember, if you take care of it now the way it should be taken care of, you'll have fewer headaches in the future.

Friday, May 18, 2012

$30,000 Personal Loans For People With Bad Credit: Is It Just A Myth?

It is forgivable to believe that large loans are available to those who have particularly low credit scores, but such negativity is not well founded. Offering ,000 personal loans for people with bad credit, for example, might seem a crazy idea - but they are no myth.

From the point of view of the borrower, securing approval fast is always going to be a challenge when credit ratings are low. However, through some creative thinking it is possible to provide the insurance lenders need. It may require the help of a cosigner, or the gradual improvement of credit scores, but it is possible.

What is more, the range of personal loan types available online means the right loan deal, with the most affordable interest rates, does exist.

Collateral or Cosigner

The reality is that lenders who provide ,000 personal loans for people with bad credit scores are taking a risk, though it is generally accepted that a low score today is not as accurate an evaluation as it once was. Nevertheless, a loan of such size is not going to be granted without some level of assurance.

There are two ways to provide that assurance, and in doing so help in securing approval fast. The first is collateral, which means volunteering property of value as a form of compensation should repayments be defaulted on. The problem with this option is firstly finding something that matches the value of the loan, and secondly accepting the risk of losing it for good.

The second option is to find a cosigner, someone willing to accept the responsibility of making repayments should the borrower be unable to. This is often an ideal option when offering security for a personal loan. Firstly, the cosigner only needs to make a payment when it is necessary, and secondly, there is no property at risk.

Terms for a Cosigner

Of course, there are considerations when choosing a cosigner, not least the willingness of the individual to accept the responsibility. Their role is to support the borrower as backup, to strengthen an application for a ,000 personal loan for people with bad credit, not to take on the loan completely.

For the lender, the financial stability of the cosigner is key. For any borrower, securing approval fast is possible only if the lender has no reservations. Lenders need to know that the guarantor can deliver on their promise and so income and existing debt-to-income ratio are important.

Even if a cosigner has a monthly income of ,000, there is no guarantee they can handle the repayment responsibilities of a large personal loan. If their existing monthly obligations are ,000, that leaves ,000 free for additional debt cover. But the 40:60 debt-to-income ratio means a maximum repayment of 0 is possible.

Finding a Lender

The principal factor in any loan application is whether or not the repayments are affordable. With regards a ,000 personal loan for people with bad credit, it is generally expected that this is not the case. However, what decides the issue is the term of the loan and the interest rate charged.

Monthly repayments on ,000 over 5 years could be as large as 0, but if the term is longer, then repayments will be lower. The total paid in interest will be much higher, but the repayment is clearly more affordable. So, securing approval fast is more likely.

The best place to find such flexibility in loan terms is on the Internet, where online lenders offer personal loans specially designed for borrowers with low credit ratings. Spending time searching online could prove rewarding.

Wednesday, May 16, 2012

Dex And Mdb Two Of The Most Oft Mentioned And Misunderstood Technologies

It amazes me how frequently I hear people confuse MDB and DEX, as if they are related. Allow me to end that rumor right here. The only correlation between DEX and MDB is that they are two separate and distinct technologies that happen to reside in modern day vending machines.So what is DEX?DEX was brought to the industry in the late 1980s to provide better audit capabilities. The bottlers brought DEX, a uniform commercial code set up across many industries, to vending when they implemented DEX for communications between a route handheld and a grocery stores computer system. Since many bottler route drivers performed direct store delivery (DSD) as well as service of can/bottle machines, it made sense for their handheld to communicate with the vending machines they serviced as well as the stores.As often happened due to their size, resources and commitment to implementing technology, the bottlers took the leadership position, and the National Automatic Merchandising Association Technology Committee (made up mostly of engineers and industry suppliers) followed suit, adopting DEX as our industry standard.DEX is our standard for an ASCII code-based electronic audit file, a way to communicate information such as sales, cash in bill validators, coins in coin boxes, sales of units by selection, pricing, door openings, and much more. It is created either locally by the VMC (Vending Machine Controller often called the brain of an electronic machine) or created by a retrofit DEX device in older electromechanical (dip switch) machines.DEX is the result of the VMC storing information on an interval basis (the interval of time since the last DEX reading) and cumulative basis (since the VMC was first installed or the machine went into service). The VMC accumulates the data and transmits it in DEX format over the DEX port when requested.DEX data is quite useful and extensive. It eliminates the need for route people to write what they loaded into a machine on a route card. It also makes it unnecessary to manually input this information into a handheld. But the feature of DEX that gets most companies excited and starting to DEX their machines is the accuracy of cash accountability. There is no more second guessing what was to be collected out of the machine.DEX data is downloaded to a handheld device or transmitted via a remote monitoring device over to software that can parse the information into useful reports. DEX is downloaded using a 0.25-inch stereo plug (exactly like the one with your old stereo headphones from the 70s).When downloaded to a handheld, DEX is parsed and compared to planogram information unique to that machine that was stored in the handheld. This informs the route driver how many units of each product he/she has to load back into the machine to bring it back up to par.Remote monitoring devices (wireless, LAN or telephone) can forward DEX, usually via the Internet, to a central computer where the software performs the same tasks as the handheld, but from the headquarters. This gives vendors the opportunity to pre-assemble items for locations before drivers leave and efficiently pack route trucks with only the necessary products. Approximately 60 to 70 percent of the machines currently deployed have native DEX, meaning the machines come with a VMC that produces DEX. Sometimes a newer version of firmware for the VMC and a DEX download cable are required to be added to enable DEX. Older electronic and electromechanical machines not equipped with DEX can be retrofitted with either a new VMC that provides DEX (and many of the features found in new machines) or with a retrofit DEX audit device.Multi drop busMDB (multi drop bus) relates to the different payment systems interfacing together. When vending machines were electromechanical (using dip switches), bill validators and cashless systems had to run through the coin mechanisms. There were a slew of different connectors to interface to all the different types of coin mechs on the market, and it was very confusing since there was no industry standard.Even early electronic machines, which had VMC, didnt have standard connections. They used a serial interface (such as MicroMech), but additional devices, like bill validators or cashless systems, still had to be connected to and emulate the coin mechanisms.If it wasnt for the NAMA and European Vending Association (EVA) getting together in the 1990s and working in a cooperative spirit to write the MDB specification, we would probably still be struggling through proprietary interfaces and the nightmare of connectors. MDB is an international standard co-authored by NAMA and EVA, and is present in almost every vending machine worldwide except for the Far East, which has its own standards.MDB electrical bus for interfacingMDB was the first attempt by the industry to come up with a standard interface for all transactional electronic devices (coin mechanism, bill validator or cashless system) to be able to interface through an electrical bus to the VMC. This electrical bus provides one standard male and female connector, both of which are found on all MDB vending transactional electronic devices.An MDB device should have a y-MDB connection, providing for a piggyback connection from one MDB device to another. I typically like to compare MDB to the USB port on a personal computer (PC). USB is an international electrical bus standard which supplies an electrical connection and protocol for connecting peripheral devices (such as a mouse) to a PC.Likewise, the MDB is the vending industrys international standard for providing an electrical connection with protocol for peripheral devices (in this case, an example would be a coin mech) to the VMC. The one thing MDB does that USB doesnt do is that MDB provides sufficient power to operate the transactional device. (USB can power very low draw devices, but it wasnt designed to power most PC peripheral devices.) When an MDB device is connected to an MDB machine, the device identifies itself to the machine as to the type of device it is (coin mech, bill validator or cashless system) and the currency for which the MDB device is programmed to receive.The VMC recognizes and enables the MDB device for operation, after which the MDB device and VMC communicate constantly. The dialogue establishes that a machine is active for taking in currency or cashless, transmitting each activity that occurs with the MDB device, such as each occurrence of a coin being accepted into a coin mechanism, a bill being accepted into a bill validator, or a credit card, tap-and-go device or keyfob being accepted by a cashless system). The machine establishes a monetary credit and shows the credit on the display. Since the VMC is the brains of the machine, it determines if enough credit is present in the machine to enable a vend.When a vend occurs, the VMC communicates back to the transactional device MDB to complete the transaction. For a coin mech, it means pay back change, for a bill validator, stack the bill from escrow; for a cashless device, it means transmit the vend price and transactional information over to the processor or local card server (college), and for a stored value cashless system, it means writing new stored value back to the magnetic card or smart token or keyfob.Error Message CommunicationOne of the very nice features of MDB is that MDB devices communicate status to the VMC. This means if there is a problem with a device, the device communicates a message to the VMC indicating the error. Examples of this are bill jams, bill stacker capacity status, coin mech problems, etc. This feature is particularly useful when used with remote data collection systems, where error messages can be forwarded to field service personnel via text messages or email.Tracking vending activity through MDBWhen MDB was originally conceived, MDB communications was limited to transaction device identification and operational communications between the device and the VMC. Information such as vend selection was not available, mainly because it is internal to the VMC and does not need to be transmitted on the MDB. Eventually, cashless device suppliers lobbied NAMA/EVA to change the specifications for the MDB to accommodate transmission of selection information on the MDB, so that information is now available. Some cashless and remote data communication providers choose to bypass DEX and derive audit information from MDB communications. While it is possible to derive sales and selection choices, the information produced by MDB is not as detailed as DEX, because it was never intended to be.DEX and MDB are clearly distinct technologies. DEX allows product auditing, cash accountability and possible pre-kitting, while MDB is the means in which various transactional devices operate and communicate with the brains of the vending machine. DEX is used with a handheld unit or remote monitoring, of which the MDB is an internal component. Both DEX and MDB were meant to make it easier to deploy useful.

Tuesday, May 15, 2012

5 Tips When Using Autosurf Programs

When using autosurfs to gain free webtraffic, there are some things you can do to drastically increase the amount of visitors arriving to your site.

#1 Use multiple windows when leaving the computer

Normally, everyone would argue using tabbed browsing is the only way to autosurf, but if you combine multiple windows with tabbed browsing, you will gain even more. Autosurf programs are well known for the massive amount of pop-ups, scripts and certificates almost always blocking the rotators. But, it ONLY blocks the rotators in the same window, adding less tabs to each window will minimize the number of autosurfs jammed by a single pop up.

#2 Use as many autosurfs

Using multiple windows, you can add even more autosurfs into rotation. Add as many you can, until the limit of your computer. The more programs rotating, the more visitors will see your pages. Look close on what programs tend to break the surf, what programs actually CAN deliver enough traffic to be worth it and what programs that give you good enough ratio surfing many bad programs wont do you much good.

#3 Build your down line

To fully utilize the potential of autosurf programs, you need to figure out a way to build your down lines. Autosurfs work in a similar way to affiliate programs, but you earn credits or visitors if you will instead of money. You should be promoting the good autosurfs allocating credits from other autosurfs to the referral pages. Tweaking this will improve the total traffic received. Focus on autosurfs where you get a fair percentage of the referrals earned credits. But, remember to look at how much traffic they can send, no use building a massive down line if you only see two visitors a day from it.

#4 Add Manual surfs to your arsenal

Manual surfs or traffic exchanges are similar in nature, but with traffic of much higher quality. Promoting them, thus building a down line, will not only give you more traffic it will increase the quality of it as well.

#5 Continue to look for new autosurf programs

New autosurfs have a hard time getting enough users, so they often give out plenty of free credits when you are registering. If the program can deliver the hits in a short period of time, they might very well be useful enough to add to your arsenal, if not you will receive a small but steady stream of visitors long after you forget you even signed up for it. Be sure to add a few of your referral pages into rotation to increase the odds of adding to your down line. If all else fails and you STILL can't put the credits to good use, why not build a page with only a few affiliate program banners on it, and see what happens? Just don't try it with any program tracking impressions, or you will get banned.

Using these simple tricks will be sure to drastically increase the amount of traffic received from both autosurfs and traffic exchanges, good luck.

Creative Ways To Get A Cheap Home Loan

Two primary ways to get a cheap home loan is to shop around for a lender and getting the most out of your equity. Even if you have bad credit or a lack of credit, you can still procure a cheap home loan as long as you have some equity in your home.

First, look around and do some research on the possible lenders that might be able to help you. Each lender will offer different interest rates. Shop around and gather the different possibilities then go online and see what some of the online lenders may offer. Offline lenders are often able to offer lower prices because they have little or no overhead. Many online lenders can provide a cheap home loan faster and more efficiently. After gathering quotes from lenders, you can compare them and determine which can provide you the best options.

Equity is an important way to maximize your cheap home loan. Equity is the amount of money that you have paid for your home against the amount that is still left to be paid. To get the most you deserve, make sure you do not ask for more than the equity you have built up in the home itself. If you ask for less than what you have in equity, a lender will be more inclined to provide you with a cheap loan because they do not have to worry about what would happen if you default. Asking for so much less than what you owe, will provide you with a better opportunity to get what you are looking for in a cheap home loan.

Secured cheap home loans are a very popular because they are very easy to secure even when someone has bad credit. Due to the low risk associated with this type of loan, lenders will still offer cheap rates and are not worried about repayment. One of the convenient ways that this type of loan works is that it can allow you to take a short-term loan instead of having to commit to a long and drawn out loan.

If you do take advantage of a cheap home loan, you need to be sure to pay attention to the fine print and make sure you do not miss a payment. Another advantage to taking out this type of loan is that you can help to rebuild your credit history at the same time. You can use the loan to help improve the value of your home, pay off medical bills, or even taking a holiday trip. The loan could be sued to take care of other bills. Consolidating some debt can also be accomplished with a cheap home loan.

Many organizations exist to help you get the best cheap home loan possible. With a little research and some homework, you should be able to find one that wants to provide you with a cheap home loan that will get you what you need out of the equity in your home and still be affordable.

Monday, May 14, 2012

What Are The Objectives Of Pursuing An Online Mba?

Both online and offline MBA degree programs are recognized brands that signify management and leadership training. These programs are specially designed to develop ones' ability to its fullest potential. It is important for a person to know his or her learning objective before making decision to obtain this particular qualification.

In general, the common objective of pursuing MBA programs online is for personal advancement. Learning is a life long process and it is important for a person to develop and sharpen his or her personal skills from time to time in order to climb up to the higher ladder. Ones would definitely be benefited through pursuing MBA online. Almost all online MBAs cover the major "hard skills' such as economics, finance, marketing, operations, management and accounting. These skills are essential foundations in business studies. Besides, in MBA, it is also a MUST for the students to acquire "soft skills" which include strategic planning, leadership, teamwork, effective communication, ethics and supervisory skill. These skills are indeed critical for effective management in a company.

On the other hand, for those high flyers who intend to pursue PHD, opting for MBA is the right route to fast-track their higher learning. However, to certain people, obtaining online MBA is basically for the purpose of getting job promotion and earning higher income. In today's competitive world, possessing higher academic qualification is indeed necessary to make someone more "employable and marketable" in the job market. In some companies, it is compulsory for the employees to have MBA qualifications if they want to get promoted. In fact, the learning objective here is more towards monetary rewards.

Online MBA is indeed an ideal learning opportunity for those who intend to develop better career path. Having a clear objective will definitely assist you in having stronger determination to achieve great success in the program.

Saturday, May 12, 2012

Why To Invest In Kochi

Cochin, also acknowledged as Kochi is a gorgeous city situated in the South West coast of India. Kochi is positioned in the God's Own country of Kerala, with spectacular landscapes of Arabian Sea, coconut trees and beautiful boats. The city of Kochi is also acknowledged as the "Gateway to Kerala" and frequently known as "Queen of Arabian Sea". In comparison to other Indian tourist destinations, Kochi is calm and hygienic. The rainy season is between the months of June and September and the standard temperature is about 22 to 34C.

Kochi is the rapidly developing city and the real estate market in Kochi is thriving at present. Apartments near Cochin International Airport cost from Rs 2, 50, 000. There are hotels up to 4 star, gorgeous holiday villas and not to mention, the Panchakarma treatment centers. These are just a few good reasons why to purchase a property in Kochi. In fact for most of the people these days, wealth stays put in property and building. And with expansion of private real estate possession, it has turned into a foremost business area for many.

The housing sector in Kochi is on the increase exponentially owing to elevated demands from NRIs and real estate property investors. Roughly 2 million NRIs living overseas are making enormous investments in the residential spaces of Cochin supporting the trend of luxury and expensive apartment houses. Gone are the days whilst people might spend their whole life in an age old house devoid of ever wanting to leave it. The generations of these days desire to purchase the most lavish and most comfortable spaces that evidently mirror their class and style. Building of luxury apartment houses that proffers impressive choice of housing with a host of facilities is the new agenda of property developers in Kochi.

The high livelihood standards and the equivalent demand for lavish housing property in Kochi are probable owing to a number of reasons. Some of them are:

Growing disposable earnings of the middle class people.

Reasonably priced properties obtainable rather effortlessly.

Housing of travelers working with different organizations in the city.

The unending development of Indian corporate, MNCs and IT Parks.

Long-standing investments from NRIs into real estate projects.

Enlivening of market much earlier than expected.

The port city of Kerala, Kochi is being graded as the 2nd probable city for investments in IT sector by NASSCOM. Though a substantial number of Kerala inhabitants reside in foreign countries, real estate sector in Kochi has at all times been the topic of NRI interest. Of late, the rush generated by invasion of IT/ ITES based organizations in the property markets has also resulted in towering real estate property values in Kochi.

A great number of workers are settling in the city and the demand has evidently had their impact the capital costs and rental charges of properties here. Yet, the NRIs have no twinges over the similar and property investment in Kochi is still one of their preferred alternatives.

Get to Know About Real Estate Attorney

The real estate attorney is a lawyer who helps the two parties both the buying party and the selling party in making legal documentation and proceedings. Buying a home is not simple. It is difficult to find a perfect and best suited property for buying, and the legal workings are even more daunting to handle. And for this purpose, the buyer needs a lawyer who can represent on behalf of the buyer.

If you have experience in buying property, you must be aware of signing the contract and sale proceedings is one of the prolonged work, which requires you to hire a real estate lawyer. There are numerous steps involved in buying the property and most of the people feel scared of buying the property just because of the legal proceedings. Because there are times when you find a wrong type of a lawyer, who is not well experienced or not competent enough.

Finding a competent real estate lawyer is not an easy task, you need to look up for lawyers before hiring the one, make sure the attorney works in the best interest of the client. Some of the things a real estate attorney can do for you includes pre contract negotiation. Though the lawyer is not required at this stage, but it would be beneficial if you involve the lawyer from the first day of dealing with the selling party.

The lawyer can ensure the buyer about several pending dealings at this stage. Moreover he/she can answer the questions of the buying party about the purchase. The next thing a lawyer can do for you is to sign a contract of sale. In this phase, all the regular documentation is signed up by both the parties. The amount of deposit and loan commitments is also held by the lawyer.

The next thing is status of title, the transfer of title is another important step which is conducted by the attorney. Sometimes there are some violations followed by any of the concerned parties, so for dealing such situations the lawyer is required. The survey is demanded and reviewed before making the closing and this process is held by the lawyer. And the lawyer makes sure prior to cling that the property which the buyer is buying is within the property lines and rules and regulations.

The last step is the closing, which is the part of every real estate buying. In this stage, the attorney answers the questions of the buyer regarding transactions and closing documents. The real state lawyer also ensures that the payment of the property is being given to the correct person or to the correct bank account.

Some of the benefits of hiring a real estate attorney include handling of purchases, sales and leasing processes. The development and financing section is also considered by the attorney. Moreover, property repairs, foreign investment, corporate investment, co-operative disputes, brokerage agreements, construction contracts, negotiations and drafting diligence are all the duties of the lawyer, which the hiring party can enjoy. The hiring of lawyer allows the buying and selling party to keep away from the process of property dealing. And most of the busiest people do not involve themselves in property buying. Instead, they hire the lawyer to cope up with all these legal tasks.

Before hiring the lawyer, you must negotiate with the attorney about fees that whether he/she will charge per month or per case. You need to ensure that the lawyer, you are hiring is well aware of the real estate rules and regulations of the state where you are buying the property.

If you are undergoing issues of land and property and are looking for a good Real Estate Attorney Los Angeles who will help you in getting your problems sorted out, there are different ways by which you can them. Click here for Real Estate Lawyer Los Angeles

In the matters of land and property, a real estate attorney can make it quite easy for you to get through such issues without any problem at all. Visit for more details.

Thursday, May 10, 2012

Acquiring And Financing A Kenworth Truck

In today's economy, start up and seasoned businesses have an unique opportunity to acquire an attractive deal for any type of Kenworth truck. The first option, for the buyer, is to visit their local dealer and find his truck there. This is great place to start and obtain pertinent information that will be used later in the data gathering process. From there, it is recommended searching the internet and its mass volume of data that is available. The potential buyer can visit such sites as truck paper and truck trader etc to view thousands of listings of trucks available across the United States. He is able to sort and sift through this vast data and should be able to find a truck, in any city and/or state across the U.S, that meets his acquistion requirements. Once he has located a source of trucks available to him, he is able to contact these sellers and negotiate a deal that might be able to meet his needs. Once he is agreed to a price and its particulars, his next hurdle is to find adequate financing in today's complex lending world of this commodity.

The type of Kenworth trucks we are identifying for this article is the following:

Kenworth dump trucks, Kenworth semi trucks, Kenworth garbage and refuse trucks, Kenworth Tow trucks, Kenworth Cement Trucks, Kenworth Concrete Trucks, Kenworth Flatbed Trucks, etc

Today, the financing arena for Kenworth trucks has become much smaller, especially for over the road trucks.. Lenders, in the past, that use to finance this niche market have either pulled their portfolio funds out of this area or have modified its lending requirements. It is not unheard of today that a start up business must commit to a down payment of between 10% - 30% of the acquistion cost of the Kenworth truck to enter this market. The seasoned business with good credit might be able to get in as little as one payment down plus documents fees but must have either A or B Credit. Other seasoned businesses that don't meet these credit requirements, may be required to put up 10-20% down or either put up additional collateral as their credit scores fall below 600. Most buyers don't enjoy these tightening financial requirements, are locked out of this market, and will start looking for alternatives that are available due to market conditions. In addition to the market requirements of substantial monies due upfront, the conventional lender has modified his risk/reward factor for the failure and possible repossession of these trucks. Therefore, the rate and/or interest factor that the lender charges has gone up making it a bigger challenge to complete the financing end once the want to be buyer locates his acquisition.

As the economy has weakened due to market conditions, including diesel gas reaching .50 or more per gallon in certain states, the route of conventional financing has changed as we know it. The lender has acquired another problem that makes their equation a little more complicated. In the past year as the price of food has gone up, the real estate markets have taken a toll for the worse and other world factors have caused the banks to be more unstable, the trucking industry has become more volatile. As the increase of defaults on the payments of Mack and all other trucks have risen to all time highs, the lenders have been taking back these trucks by the droves that are earmarked as repossessions. This has caused a problem with normal lending practices and trying to balance it with a non producing income portfolio. If these lenders don't act swiftly and prudently, the combination of these two type of portfolios can be devasating to the lenders' bottom line. A third factor to consider is the off lease truck. These trucks are being returned to the lender and they must act accordingly with this third factor.

By definition, a Kenworth off lease Truck has been returned to the lender as the lease has expired. The lessee has made a decision to return the item in lieu of exercising the buyout option. A repossession is different than an off lease because it has arisen due to a default of the lessee for non payment terms or a violation of the terms of the lease. Either way, the lender has taken these trucks back and/and now must recondition these trucks and either sell these trucks or re-lease them.

The lender can either advertise their off lease and repo inventories through their internal sales force, trade journals such as truck paper, truck trader etc or utilize outside professionals such as brokers to move their inventories as quick as possible. Sometimes, as these inventories either sit or whatever reasons aren't moving, the lender will put these items up for auction.
At the present time, the lenders have two different types of financing portfolios to consider and must act accordingly. Normal lending on new business deals still require stringent lending practices based upon the credit markets and the risk/reward factors lenders perceive out there in the financial markets. The second type of portfolio, for the off lease and repos, require possibility a more lenient approach to liquidating their inventories prudently and recreating the income stream for the lenders. This will be discussed below.

Today, some of the lenders in the financial market have advertised personal credit qualifications as low as 600, prior bankruptcy rules amended or ignored, and start up businesses welcome. Additionally, the front money to commence a lease can start as low as first payment only to whatever you might able to negotiate. Some of the lenders have application only programs up to 0,000. There are no financial statements, income tax returns or bank statements required. Additionally, some lenders may defer some of payments to get the semi trucks financed. The buyout clauses on these over the road trucks can range from a .00 buyout to 10% to 20%, Trac leases to possible fair market value buyouts. One should understand these clauses because they have an impact on the passing of title.

These favorable financial arrangements by the lender has stimulated the buyers wants and needs to either enter the trucking industry as an owner operator and/or possibility an expansion of a existing business. First Time buyers, whom were locked out of this market in the past, now has an unique opportunity to earn more revenue by acquiring a Kenworth truck for himself. A ,000 over the road Kenworth truck might require as little as 00 down to commence the financial obligation. Other lenders that might have required up to 30% down in the past might accept as little as 10% to acquire one of their repos and/or off leases..Additionally, some lenders may offer favorable monthly payment terms vs standard lending to acquire their off lease and repos vs. the buyer looking to acquire a truck at a dealership..
In conclusion, this is a buyer's market for Kenworth trucks. One should evaluate all the factors relating to this acquisition including gas costs, air emissions,environmental type requirements., buyout clauses acquisition costs and its related financing.

Additionally, there are two distinct financing markets out there, one for the normal acquisition from the dealership and the possibility of acquiring a repo and off lease from a lender at favorable market and financing terms. As always it is advisable, if possible, to locate financing prior to truck shopping, it could save a lot of time and stress.

Happy hunting for your acquisition and related financing

Tuesday, May 8, 2012

Retail Store Financing/leasing And Business Loans

For this update, retail store financing can come in the form of financing/leasing and businesses seeking working capital in the structure of a cash merchant advance and/or merchant cash loan. Todays financing market is very illiquid in presenting retail businesses leasing/financing. Most bank monies are better off served in different industries from a risk/reward factor. However, there are niche banks out there that will entertain retail store financing but usually need the applicant to have at least a minimum of one to two years time in business. For the most part startups don't have a chance unless their personal credit score are over 700 and are ready to pledge additional collateral to the arrangement with added clear and free assets. The banks that finance retail store financing will properly offer up to ,000 application only and over that amount full financial and tax disclosure would be mandatory Accepted leases can run between 24-60 months with various buyout clauses

The following is the type of retail stores under consideration:

Book stores, sporting goods stores, clothing stores, pizza shops, men and womens apparel stores, discount stores, pharmacies and drug stores, fast food restaurants, music stores, video stores, franchise restaurants, mail centers, pet grooming stores, dry cleaners, tanning salons, etc

The most unique part of this article is the merchant cash advance/loan programs. Generally people aren't even responsive of these programs.

The first question a lot of people are asking is what is a merchant cash advance? An established business in existence for one year or more with visa and mastercard sales can qualfiy for a loan or a merchant cash advance on their previous activity up to 0,000 from a financial institution and 0,000 or more per location from a true merchant cash advance company. The monthly average of their visa and mastercard sales x 1.5 will be a qualifying amount that the bank will finance up to. Some cash merchant advance companies will finance up to 0,000 per location.

This is a skillful way for a business to get hold of working capital. Most conventional financial institutions shy away from the retail industry.

These cash merchant advances/loans are great for businesses that have seasonal cash flow needs, that aren't capitalized properly and call for more time to achieve their sales base, have credit issues that can't be overcome at the bank, businesses that want instant cash now, and apparently lots of other factors tailored to specific businesses.

These banks aren't FICO driven and are attracted in you past Visa/ Mastercard Sales for the prior six months. Usually the company's bank statements, the merchant processing statements and a signed application are required to start the lending process. Once the financial institutionhas received these requirements, a decision can be made fairly quickly, usually within 24-48 hours. Beyond an acceptance, the money is usually funded within seven business days.

The next obvious question, is how does the client repay back the loan or cash merchant advance? It is from the impending card sales, a small piece is paid back each day to pay back the financial institution This is important because there are no balloon payments or monthly payments to consider. The financial institutioncalculates a little repayment per day that can last up to one year.

Locating available capital whether through leasing and working capital can be very complicated in todays times. The cash merchant advances/loans can offer the seasoned business an unique opportunity to obtain funds without all the red tape conventional lending institutions demand

Happy hunting for your financing..

Monday, May 7, 2012

All Of The Items You Really Need To Understand Concerning Car Finance And Car Lease

You are given two options. The first one would be getting a car using car finance or perhaps leasing it.

Difference between Leasing and Buying Car Finance

In the past, it was very challenging to get your hands on a brand new car without it being a company car or perhaps forking out the equivalent of a house deposit. Now, with a wider range of car finance options than before, it is now a possible option for almost every driver.

If it is your first time to use car finance to own a brand new car, car financing may be pretty complex. Leasing car finance and car finance for buying the car right away are actually the two main types of car financing.

Before you could choose the right car finance product you first have to choose whether or not you desire to lease or buy the car using car finance. Leasing is now increasingly common in Australia nowadays. In the past, it has never been a popular option. Leasing a car by using a car finance demands you to pay during your first time to make use of the car. It's either you find another lease or surrender the car as soon as the lease term already ends. Often, however, you have the choice of getting the car - for which you could use car finance.

Car leasing offers you several benefits instead of when you buy it outright. When you are not financially capable of getting a standard car finance, leasing provides you with another so you will have the capacity to have that dream car without ending up with huge debts.

The best car finance for you would also depend on your personal situation as well as the frequency to which you wish to change your car.

Different Types of Car Financing

There are several options once you decide to choose car finance. The standard consumer loan car finance option is the most popular type of car financing in Australia. At the start your loan period will definitely be determined. Your interest rate will be set accordingly, based on your financial risk and as well as current market situations. This is just how this type of car finance usually works. You can repay within one to five years in this type of car finance. Generally, loans are set at fixed interest rates which facilitates ease in budgeting. If you prefer a car finance loan that is secured against the car itself, you can opt for this type.

Personal lease will also be another type of car finance. You don't have to cover the entire cost of the car by using this type of car finance. Rather, you lease the car on car finance for some time - usually between one and five years. The monthly obligations of personal lease car finance could be compared to that of whenever you rent a house.

Lastly, the widely used car financing type is the hire purchase car finance. If you need a flexible version of the personal lease car financing, you can opt for hire purchase. With this car financing option, you just need to lease the car through a car finance. After that you can go on paying what is known as "balloon payment" after the agreed car finance lease period. Small businesses generally find this advantageous since there's no need to pay for the whole car up front. This car finance helps businesses arrange a payment deal that fits with their income and budget.

Sunday, May 6, 2012

Discover Montreal, Quebec

If you are visiting or transferring to Montreal, Canada, you will find a few foods and festivals you can't miss out on. From NHL professional ice hockey matches to maple syrup and poutine, Montreal gives locals and visitors unique meals and entertainment. For people who are transferring to the diverse city in Northeastern Canada, there are a number of housing possibilities as well such as a condo in Montreal, Quebec or just a house for sale in one of several city's various multicultural neighborhoods.

Travelers to Montreal will find a variety of sleep options like 5 star specialty and deluxe hotel accommodations in Downtown and Old Montreal to guest houses, B&Bs, and hostels and low cost hotel accommodations, Montreal is never lacking places to sleep. For that matter it's got by far the most couch surfers of any place worldwide. For those who are actually relocating to Montreal, renting an apartment or discovering a condo for sale or house for sale can also be choices for accomodations. Should you be heading to Montreal, Quebec during the summer time, some of the university students in the four universities or colleges in Montreal, Canada sublet their own flats, and this can be less expensive plus much more comfortable as opposed to living in a hotel for weeks or months.

With regards to food items in Montreal, Canada, they have the most dining establishments per capita of just about any city in the United States and Canada additionally they ended up being fairly recently ranked number 2 for the "Best Dining City in North America," after only San Francisco and followed by New York City. Large Jewish, Chinese and Italian communities bring varied dining choices to people in Montreal like the "all dressed" pizza, (with green peppers, pepperoni, and mushrooms), smoked meat sandwiches and bagels, in addition to a range of Asian cuisine in the city's Chinatown.

Simply no holiday to Montreal, Canada can be whole without a good-sized serving of poutine, Quebec favorites. Poutine is available in an assortment of distinct variants nonetheless the traditional poutine features a dish of French fries with brown gravy and fresh cheese curds. Regular versions add a variety of pork, (including pulled-pork and weiners), beef, or lamb. Additional additions to poutine feature caviar, rabbit confit, truffles, and lobster. Poutine is claimed to have originated in Quebec in the 50s.

Alternative variances of poutine are common, like the Italian version which uses a ground beef and tomato spaghetti sauce for that gravy. The "Greek" version of poutine is likewise easily obtainable in a multitude of locations, and it is typically French fries with feta as well as a Greek vinaigrette.

Montreal, Canada is in addition noted for their maple syrup and they're, in actual fact, the most important manufacturer of maple syrup across the world. Quebec produces with regards to seventy-five percent of the maple syrup on earth, Vermont is a very distant second at 5.5%. If you are transferring to Montreal, your practically guaranteed to get quite a few chances to take pleasure in maple syrup. However, if you are just visiting Montreal only temporarily, maple syrup makes a great product to take home for gifts (and make sure you buy a little for yourself as well!).

For those who still have a bit of room for amusement after all of that delicious food, Montreal, Quebec possesses a lot of that as well. Montreal is the place to find the Cirque du Soleil along with the host to the Montreal, Canada International Jazz Festival plus an international Film festival. They also have their own National Hockey League team, the Montreal Canadiens, who were among the first half a dozen teams admitted to the NHL.

Saturday, May 5, 2012

Debt Consolidation Loans - Immediate Help To Become Debt Free

If you are already overburdened with debt then debt consolidation loans can provided you with a needed respite from high interest rates and spiraling debt servicing burdens. Your number of monthly payments will shrink and so should your interest rate.

"Debt consolidation loans really simplify the process of eliminating your debts and getting back on good financial footing."

When consolidating your debt you can negotiate a better interest rate to lower your payments and speed up the repayment time on your debts. There are several methods for doing this, but no matter which method you use the key is to make sure that the new loans give you better terms than the old and save you money in the process.

Credit cards and some forms of personal loans can have extremely high interest rates and by consolidating them into one lower rate loan you can save literally hundreds of dollars in interest payments each year. That certainly makes consolidating your debt attractive doesn't it?

There are a host of benefits you will enjoy when consolidating your debt and these include the following:

*lower payments every month
*lower interest rate
*easier accounting with just one payment each month
*can help you to avoid a bankruptcy
*will help you to get out of debt more quickly
*can save you money versus your current loan repayments
*eliminates the need for you to deal with numerous lenders

When looking for debt consolidation loans you obviously want to put yourself on better financial footing than that on which you currently stand, that goes without saying. Depending on your circumstances there are a few different ways to go about consolidating your current debts, with each having it's own pros and cons.

I am going to give you a bit more information about each method for debt consolidation now.

Home Equity Loans

It is these types of loans that have given debt consolidation such a bad name over the past years. I think this has been overdone though because in most cases those having trouble with home equity loans did not take them for debt consolidation purposes, but took them out to pay for such things as remodeling, education and even vacations.

While this worked fine as long as home prices kept rising it has not worked out so well in a falling home price environment. Don't discount home equity loans as a way to consolidate your debt because of the bad press they have gotten recently.

A home equity loan is actually the best way for most people to consolidate their debt for several reasons and you may find it is the best way for you too.

Home equity loans are a type of secured loan that uses the value of your equity in your home as collateral against the loan. That means as your home value rises you can actually get a larger loan even though you haven't made any additional payments. This is what got many homeowners in trouble.

You are going to be smarter though because you will be using the home equity loan to consolidate higher interest debt and lower your interest rate as well as your monthly payments.

You see, because the bank has a form of collateral securing the loan they will offer you a lower interest rate and better terms. You have probably seen how low mortgage rates are currently and since a home equity loan is a second mortgage on your home you will enjoy very competitive interest rates.

Consolidating Through Home Refinancing

This is another type of loan that has gotten very bad press over the past few years, but is one you can use very successfully as a debt consolidation loan. It works similarly to the home equity loan, except with a refinance you are actually restating the terms of your current mortgage.

Of course this means you have to accept the current interest rates as well, but experts agree that if current mortgage rates are 0.75% lower than your current rates you can benefit from refinancing your mortgage.

As a matter of fact, if your current mortgage interest rate is high you might even find that your monthly payments will still be lower after refinancing and adding more debt to the loan simply because of the lowered interest rate. It can definitely be in your best interest to investigate a home refinancing when you are looking for debt consolidation loans.

Personal Loans and Lines of Credit

A third method for consolidating debt is to take out a personal loan or line of credit. A personal loan is a single unsecured loan and once you pay it back your obligation is finished. A line of credit on the other hand is an open loan where the bank will give you a credit limit that you can tap at any time.

One benefit of the line of credit over a personal loan is that once you pay off your current debt obligation the line stays open so you can use it in the future if necessary for emergencies.

Both personal loans and lines of credit can be either secured or unsecured, however it is more common to see unsecured loans. As with any unsecured loan the interest rates are going to be higher than those found with home equity loans or mortgage refinancing, but they will also be lower than the rates on credit cards.

If your current debt is mostly credit card related you can save a good bit of money with these types of debt consolidation loans.

No matter what your current credit status is you can qualify for debt consolidation loans. The interest rates, terms and repayments you receive will be affected by your credit history so it is best to try consolidating your debt before rather than after you begin to run into trouble.

It is never a good idea to get so far behind that you miss payments and debt consolidation loans can ensure that you are able to continue servicing your debt and can put you back on solid financial ground...

Thursday, May 3, 2012

Saxon Clueless With Hafa? - Short Sale Classes

In this article we wanted to share some insight into how the HAFA program is being processed by Saxon. When we spoke with Saxon's Short Sale Department, it was clear that the process is still very new to them as they have yet to work through a short sale to closing. What we did gather from Saxon is the current process with closing HAFA transactions. We wouldn't be surprised if Saxon makes changes in the future to improve HAFA transactions.

When the HAFA program kicked in early 2010, many real estate agents were excited to see that some standard processes were put in place to encourage short sales and to help decrease lender response times. As we move through 2010, the real estate industry is yet to see the benefits of HAFA.

1) Initial contact from homeowner - Borrower speaks to the HAFA Short Sale Dept by phone to notify them of wanting to submit a short sale packet via their HAFA program. There is an option to speak with a Saxon Spanish speaking representative as well.

2) Sign Letter of Solicitation - A HAFA Letter of Solicitation is sent to the borrower via US Mail. This letter is to be signed and returned to Saxon via fax or US Mail. If this is not received, the processing of the short sale will not continue.

3) BPO (Broker's Priced Opinion) Completed Saxon will order a BPO and review the report when received to decide how to move forward with the Short Sale. At this point, the BPO value needs to be in line with the purchase offer and if it is not, negotiations will have to occur in order to move the short sale file forward. Send in any market information that supports the purchase offer that was submitted.

4) HAFA Package sent to Borrower Once the BPO is received by Saxon, a HAFA packet is sent to the borrower via US Mail. The borrower completes this paperwork and returns it via US Mail. This paperwork is required to qualify the Borrower under the HAFA program.

At this point, the borrower waits to see if they qualify for the HAFA program. This is important because it will determine the outcome of the approval. Specifically, how much realtor commissions are allowed. HAFA guarantees 6% of commission to the real estate agents and if the short sale is not qualified under HAFA, Saxon may cut this commission down to 5%.

Keep in mind that there is a Short Sale Secrets Department that deals specifically with HAFA transactions and another department that handles non-HAFA transactions. What this means is that there will be different contact numbers to call for status and different negotiators assigned to the file.

If your short sale begins processing with the regular Short Sale Department and it qualifies for HAFA later, it will be moved to the HAFA Short Sale Department and assigned to a new negotiator. If you submitted your short sale file to the HAFA Short Sale Department and it ends up not qualifying for HAFA, it will be moved to the regular Short Sale Department.

In one of our short sale submissions, we had called to verify receipt of a BPO that was ordered by Saxon and they had no updates in their file that a BPO was ever ordered. After some confusion and investigating, Saxon realized that the BPO was ordered via the HAFA Short Sale Department and we had to call a different number for status.

Another item to note is that if you already submitted a short sale via Saxon's non-HAFA Short Sale Department, you can always pursue qualifying for HAFA afterwards and it the file will be moved over to the HAFA Short Sale Department.

If you are unsure whether or not the borrower may qualify for the HAFA program, visit the website If you determine that your borrower would not qualify for the HAFA program, submit your short sale package to Saxon's non-HAFA Short Sale Department. Doing this upfront investigating will help you from wasting time with having your short sale file moved from one department to another and yet waiting for a new negotiator to be assigned.

Chase Unknown to HAFA's Process

In this article we wanted to share some insight into how the HAFA program is being processed by Chase. When we spoke with Chase's Short Sale Department, it was clear that the process is still very new to them and they being that the program is very new, they do not know enough about the program. Chase did not know in too much detail about the HAFA forms Short Sale Agreement (SSA) or the Request for Approval of a Short Sale (RASS).

The standard response from Chase was to visit their website for HAFA information and download the Short Sale Information Packet. After visiting their website, they had no information on HAFA and there was no information on how to qualify for HAFA.

When the HAFA program kicked in early 2010, many real estate agents were excited to see that some standard processes were put in place to encourage short sales and to help decrease lender response times. As we move through 2010, the real estate industry is yet to see the benefits of HAFA. We wouldn't be surprised if Chase makes multiple changes in the future to improve HAFA transactions and we will continue to report any changes that occur.

In order to get better information from Chase with regards to HAFA, we had to contact someone from the executive response team. We were able to gather better information on the process of submitting HAFA short sale transactions.

1) Borrower makes initial contact The borrower must call the HAFA Helpline at 866-326-0086 and request a HAFA Eligibility Letter to be sent to their current mailing address. This letter is received after 5-7 days. If nothing is received after a week, call the HAFA Helpline again to make another request. It is important to follow up on receipt of the letter to ensure your short sale file is moving forward.

2) Borrower receives HAFA Eligibility Letter What is sent to the borrower is the standard Chase Short Sale Information Packet with an additional page specific to HAFA and details all the conditions required to qualify for the HAFA program. To view these requirements on the internet, we were instructed to visit

3) If the short sale file qualifies under the HAFA program, 6% real estate commission are allowed, otherwise they will drop it to their standard 5%. Therefore, it is beneficial to the real estate agents if they go through the process of qualifying the borrower under HAFA.

4) If you submitted a short sale packet, you can still pursue HAFA qualifications. It is our recommendation to verify whether or not the borrower can qualify for the HAFA program upfront to save you some time on processing.

Historically, Chase has been very slow to process short sale transactions, and with additional guidelines with HAFA, we expect Chase to take some time before their negotiators are up to speed with how to process HAFA transactions. It has been WHB Solutions experience to educate Chase short sale negotiators on short sale processes, especially when they are Chase specific.

We have found the negotiators to be easy to work and follow internal guidelines to the T but information shared internally is not always good. On many occasions we have had to share Chase internal processing changes to negotiators assigned on our other files, which ended up working in our favor as the new internal changes allowed us to process our short sale file faster.

It is our recommendation to investigate whether or not your short sale transaction qualifies for the HAFA program upfront as it will help to make sure you can get 6% real estate agent commissions. Also, we encourage you to escalate your questions if the Chase contact you are communicating with cannot give you an answer to your question.

Keep in mind that short sale negotiators in general have a lot of files to work on and follow processes very closely. Do not expect them to go the extra mile to help you structure your short sale transaction that will be to your advantage. All they are looking for is to process and close the short sale file. The motivation is to close as many files as they can as they receive bonuses based on performance.

Dealing with HAFA Transactions in Bank of America's Equator

In this article we wanted to share some insight into how the HAFA program is being processed by Bank of America, specifically how Equator handles HAFA transactions. When the HAFA program kicked in early 2010, many real estate agents were excited to see that some standard processes were put in place to encourage short sales and to help decrease lender response times. As we move through 2010, the real estate industry is yet to see the benefits of HAFA. We wouldn't be surprised if Bank of America makes multiple changes in the future to improve HAFA transactions and we will continue to report any changes that occur.

Currently, we have an existing file submitted in Equator. The borrower called Bank of America to pre-qualify for the HAFA program and we were told the short sale file was flagged as HAFA qualified. However, after logging into Equator, there is no indication that the file was qualified for HAFA, which led to some concern.

WHB Solutions has analyzed and closed hundreds of short sale transactions and we know that when dealing with short sales, verify everything. Do not take the word of someone on the other side of the phone. Therefore, to overcome our concerns about whether or not our short sale file was in fact HAFA qualified, we contacted the negotiator assigned to our file and was informed that he does not work on HAFA transactions!

No calls were ever made to inform us of this fact and we jumped on the phones to Bank of America's Short Sale Department to confirm that our file was in fact qualified for HAFA. We were then told that the file will be assigned to a HAFA negotiator and we should get an update of this new contact in a week. We were also told that the short sale file will remain open in Equator until a new negotiator is assigned. Whew!

We thought we were in the clear with this file but then we realized based on our past experience that when a file moves to a new negotiator the short sale process is interrupted. A BPO (Broker's Priced Opinion) had already been ordered and we were not sure if this BPO would still be valid. We then called back to Bank of America and they mentioned that the BPO would still be valid and would be reviewed by the new negotiator.

Within a week, the borrower was sent a short sale package with specific paperwork on the HAFA program. Keep in mind that Bank of America's guideline is to send this information to the borrower via US Mail and they will not fax or email this information. Most likely, this information is sent certified mail and must be verified as delivered to the borrower for liability reasons.

Summarizing how Bank of America deals with HAFA transactions, expect the following processing events:

1) Borrower makes initial contact The borrower must call Bank of America to get pre-qualified for the HAFA program.
2) Borrower receives HAFA Package Bank of America sends out a Short Sale packet with HAFA information to the borrower's mailing address.
3) Currently, Equator has no way of showing that a short sale file submitted is qualified under HAFA. Bank of America mentioned that it may update their system to reflect this event.
4) If the short sale file qualifies under the HAFA program, 6% real estate commission are allowed, otherwise they will drop it to their standard 5%. Therefore, it is beneficial to the real estate agents if they go through the process of qualifying the borrower under HAFA.
5) If you submitted a short sale packet, you can still pursue HAFA qualifications. It is our recommendation to verify whether or not the borrower can qualify for the HAFA program upfront to save you some time on processing.

Bank of America - HAFA

I have a short sale in progress, currently in Equator. The status is Valuations, and the buyer just called in for HAFA qualification. According to the front line rep, the file was indeed "tagged" with a HAFA notation, and that our current negotiator would remain with the file.

The number 877.452.3908 is the HAFA line for customers, and they run 8am-8pm EST. Currently, the number is heavily impacted, and it was recommended that borrowers call in early to get through. (8am EST is 5am PST).

I asked the negotiator for next steps, and asked if we should upload the SSA and Alternative RASS into the Library for review.

Bank of America - Equator

Race to the finish. Two files - exact same floor plan in the same complex, one started late Jan, the other late March. However, the main difference seemed to be that in the second property, three different escalation requests had to be made in order for the negotiator to be prompted to take action.

First property - Third Party Auth (3/26), Short Sale Submitted (3/29), Negotiator Assigned (4/5), Valuations Stage completed (5/17), First counter submitted 5/14, Accepted 2nd counter 5/18.

Second property - Third Party Auth (Jan 27), Short sale submitted (Feb 2), Negotiator Assigned (Feb 23), 3 escalations submitted until Valutaions completed (5/5), First Counter (5/17), Second Counter (5/19), Accepted 2nd (5/19)

Other notes: Both properties were listed for ,000. The BPO came back on the first at .5K, but still the first counter came in at ,500. Same for the second property - so this shows that the bank is trying to get over BPO as an initial tactic. #1 has a offer price of .5, while the second property has an initial offer price of .5, and because prices have been dropping, has reduced their price to k.


PNC + National City

First loan with PNC, 2nd loan with National City. PNC acquired National City - but the short sale applications are being processed by their respective departments. The reps are still not authorized to speak to one another, which prompted us to created a Third Party Authorization that will allow them to speak to one another

In my case, National City was asking for a large contribution (40%), to approve the short sale, something that the PNC investor would never grant. This prompted us to get managers in each department to speak to one another to resolve, but they were not permitted to do so until they received the Third Party Authorization that allowed them to speak to each other.

PNC does participate in the HAFA program, but needs to check whether the investor behind the loan also agrees to participate.

A best practice that we should always remember to do.

Whenever you get a "win" of any kind from a bank rep, it is a great opportunity to get the contact information of their managers in order to write a "Thank you" letter.

Ricardo was the foreclosure technician who helped me process a postponement. I asked him for his manager's email and followed through with my thank you letter.

Look carefully at what came back - the telephone number of his manager Maria (it's in her signature), and it looks like another manager was cc'd on the email - Quinnie Wright.
Now I have three "go-to" people at Bank of America - Ricardo, Maria, and Quinnie - just from the simple courtesy of sending out a thank you email.