Tuesday, July 31, 2012

Selecting The Right Boat Surveyor Is Critical When Buying A Used Boat

Surveying a yacht before making your final purchase decision is critical. You need to know what kind of condition the boat is in and whether all systems are in good working order. Surveys are meant to protect you from unpleasant surprises.

The majority of marine insurance and finance companies will insist on a survey not more than three months old before they will insure or finance a vessel. Check in advance that your insurance and finance company will accept your surveyor choices.

Once you and the seller have settled on a price and you are in possession of a Purchase and Sale Agreement signed by you and the seller, the yacht is then taken off the market until you make your final decision to purchase. Your deposit money is safely tucked away in your yacht broker's escrow account. The purchase agreement allows a window of usually two to four weeks for you to have the vessel inspected.

Every boat should be surveyed before you lay out your hard earned cash and take possession; this includes new boats that have just been delivered from the builder. I have not met a new boat yet that arrived in perfect condition with all systems working and all flaws corrected. Float switches are not working, engine mounts are not secure, nicks in the Gelcoat have not been fixed, screws are missing and the list goes on. I have seen five page lists of items that need to be fixed on a brand new boat that need approval by the builder. Getting a survey done will save you a lot of money and oftentimes months of aggravation in warranty claims.

An engine survey and general hull survey are recommended; this requires two surveyors. The engine survey should be done by a qualified mechanic for the type of engines on the yacht. Have the engine surveyor inspect the generator as well. My experience has been that most general or hull surveyors will be able to recommend engine surveyors if you do not have a personal preference.

It is helpful to keep in mind whenever selecting people to assist you in your boat purchase to try and choose those with no conflict of interest in working for you. For example, asking the local dealer for the engine type on the boat that you are buying to do an engine survey may not be the most helpful choice. Your new boat is potential new business for that engine dealer in future repairs and maintenance. Those engines could get a clean bill of health during the survey only for you to discover they require a major overhaul once you take delivery. It may be a wiser choice to select a qualified mechanic to do the inspection who is not the local dealer for those engines.

The general or hull surveyor inspects all of the other systems on the vessel. This will include but is not limited to the condition of the hull and deck, running gear, appliances, furnishings, bilge pumps, and sanitation systems.
Sailboat buyers will also want to employ a rigging surveyor. Rigging surveyors have specialized knowledge in standing rigging, deck hardware, and sails that general surveyors usually do not have. To find someone qualified to inspect sailboat rigging check the nearest sail loft or ask around at your local yacht club.

If you do not know a surveyor personally, have your yacht broker refer you to someone. I always recommend three or four surveyors to my clients from which to choose to ensure that there is no perceived conflict of interest. It stands to reason that if I have an interest in you buying the boat so that I can earn a commission, then I should not be telling you who would be your best choice in verifying the condition of the boat under consideration. You should be a little suspect if your broker insists that you use the surveyor that he recommends. When the boat is located in a part of the world that I am not familiar with I will call a broker colleague who works in that location for recommendations.

You can also do your own search for a surveyor by going to the Websites for the National Association of Marine Surveyors (NAMS) or the Society of Accredited Marine Surveyors (SAMS). NAMS requires their members to have several years of experience and that they attend workshops and seminars to update their skills. You can search for surveyors in your area or close to the location of the vessel you wish to purchase. Find someone close to the boat if you can as surveyors will charge by the hour for travel.

Survey day is Judgment Day! Survey day typically has you meeting with your surveyors, the seller or his representative, someone to operate the yacht during the day, and your yacht broker if you are using one. Surveys on small to medium size yachts can usually be accomplished in less than a day. Larger vessels can take up to a week to inspect all systems.
Arrange with a boat yard to have the yacht hauled out on the day of the survey so that everything below the waterline can be inspected. You will need to tell the yard manager when you want the boat hauled and the size and make of the vessel.

The survey day schedule will have everyone meeting at the boat first thing in the morning to start the survey. Surveyors like to do engine room work when the engines are cold. When that work is completed the boat is run to the haul out facility that you have selected. The boat is hauled to facilitate the inspection of everything below the waterline. This includes the hull, struts, shafts and bearings, props, through hull fittings and anything else that lurks down there.

Note that you should always insist on the boat being hauled. I remember several years ago surveying a fairly new 57-foot Motoryacht in Miami, FL. We took the boat for a sea trial and then back up the Miami River to a boatyard. When the yacht was hauled we discovered a section of the hull below the waterline about 3-feet by 6-feet had delaminated during the sea trial. A call to the builder in Seattle verified that they would pay for the repair and re-inspection and the sale went to closing. If we had not done the haul out, my client would have discovered the problem at his next boatyard visit. That would likely have resulted in a law suit or some type of legal action involving several people. Clearly the lesson here is to always, always have an inspection done below the waterline.

The yacht is placed back in the water for a sea trial and the completion of the survey. Be prepared to pay all surveyors before they leave the yacht at the end of the day. You will also be required to pay for the haul out before the vessel is put back in the water.

Most surveyors will give you a report of their findings during the course of the day with a verbal summary before leaving the yacht. That will be followed by a written report by email and a hard copy by snail mail generally within a couple of days depending on the size of the boat and length of the survey.

The advantage of having both the listing and selling broker present at the survey is that you can often negotiate to have the seller fix items that have come up during the survey, or ask for an appropriate price reduction on the spot.

When you receive the survey results you will have the information necessary to make a decision to accept the vessel as is, ask to have certain issues corrected before accepting the yacht or reject the boat and get your deposit back.

Once the survey repairs have been completed have your original surveyors re-inspect the boat to verify that the repairs were done to their specifications. Once they have signed off on the repairs you can then proceed to the closing.

Sunday, July 29, 2012

The Difference Between Accounting Jobs And Finance Jobs

People are often confused between jobs in finance and accounting jobs. However, the differences are quite clear when you look at them individually.

In accounting jobs, the employee may be employed by an accountancy firm, where they will oversee the financial accounts of more than one company, or by a single company in their accounts department.

Accounting jobs involve handling and providing data relating to the financial performance of one or more companies. This includes preparing financial statements, such as income and expenditure statements, balance sheets, cash flows and such like, as well as income tax issues. Since most of the work is involved with the preparation of forms and financial statements, it is a good option for well organised people who prefer a passive, but independent role within a company.

Jobs in finance are concerned with decision making and are best suited to those who enjoy a leadership role. For example, finance managers use financial statements drawn up by accountants, to make decisions on how to minimise loss and maximise profits this may include decisions on stocks and shares, or trading on the Forex market.
Companies offering jobs in finance expect employees to analyse how the company is performing financially, and make decisions based on that information. However, there are numerous jobs in finance that involve far less risk taking for example, financial consultants are widely used within the banking industry.
Broadly speaking, therefore, accounting jobs are analytical and passive in nature, producing data which those taking jobs in finance then act upon.

Unsecured Credit Cards After Bankruptcy: Options To Consider

A bad credit rating is something that tends to cause trouble when applying for a credit card, with the likelihood of getting approval or good terms reduced significantly. Logically then, getting approval when bankruptcy should be impossible - but this is not so. In fact, unsecured credit cards after bankruptcy are commonly available.

However, there are real compromises to make before getting approval with bad credit can become a reality. These compromises generally involve accepting high rates of interest charged on purchases and cash advances, and usually low credit rating.

The promise of regaining some credit ratings, and increasing a credit score, can make these terms acceptable, but there is no need to be taken advantage of. Even when bankruptcy is the chief motivation for issuers adding charges, unsecured credit cards should come with fair terms at the very least.

Why Bankruptcy is Overlooked

Technically, bankruptcy is not overlooked as there are limitations applied to protect the credit card issuer from making too large a loss. However, getting unsecured credit cards after bankruptcy is possible because of a number of reasons.

For a start, getting approval with bad credit is usually the break that those of us with low credit scores are looking for. It effectively allows us back onto the horse, and so issuers can feel confident that the mistakes of the past will not be repeated.

Bankruptcy can be a debilitating status, and it can take as long as 2 years to recover. Getting unsecured credit cards with the best terms is next to impossible until the financial status is improved. But even with poor terms, a new card is one way to rebuild.

Secured Credit Cards

One of the options available when approval on general credit cards is difficult to get, is a secured credit card. Because unsecured credit cards after bankruptcy can feature some extremely harsh charges and restrictions, it may not make financial sense to some people to get one. But placing a deposit on a card, or a secured card, provides a chance to get back to using a card at least.

There are restrictions, of course, but in only having the ability to spend what is equal to the deposit, the risk of falling to debt is removed. And because only a small amount of interest is charged on transactions, it also provides a very affordable route towards credit recovery. Getting approval with bad credit might be tricky, but getting approval on a debit card leading to stronger credit ratings, is much easier.

However, there is always the issue with finding the ready cash to place as a deposit for the card. The reality is that unsecured credit cards are the only likely option, making the search for best terms essential.

Online Card Issuers

The best place to search for unsecured credit cards after bankruptcy is the on the Internet. It is already established just how good the terms can be online, and it is no different for credit cards. The range of options is more easily accessed, and it is also easier to compare the options to better identify the right one.

Of course, the right terms can only be provided by the credit card lenders issuers that specialize in finances designed for people with poor credit. Usually, this is the best way of getting approval with bad credit.

Interest rates charged on unsecured credit cards do not have to be huge (20%) and can be secured at 10% if a low credit limit is accepted. This is a compromise, but a cautious one that is less likely to end up with a worsened financial situation.

Saturday, July 28, 2012

Get Yourself The Maximum Tax Benefit Under Section 80d Now!

If you want to know the answer to 'How do I benefit under section 80D?' - well, here it is. Prior to 2008, a tax payer was entitled to a deduction of Rupees 15,000/- for tax purposes for the actual premium of health insurance paid for a year for your family and parents. According to the amendments made in the 2008-2009 budget, taxpayers are now eligible to get a deduction of Rupees 15,000/- for your family and yourself, as well as an additional deduction of Rupees 15000/- for your parents. This amount can even go up to Rupees 20,000/- in case any of your parents are above 65 years of age.

Any individual can make a premium payment for himself, spouse and children, as well as their parents. Each single member of a family is entitled to enjoy health benefits and tax saving options for HUF as well.

Now, how can you avail this benefit? Well, health insurance premium payments offered by the General Insurance Corporation and sanctioned by the Central Government, or from any other IRDA approved general insurance company are allowed for deduction. You can get a health insurance policy from any company in the market, as long as they clearly mention that their policies are eligible for 80D benefits. You can buy your health insurance policy online with credit cards. The tax deduction would differ from policy to policy as they are concocted differently. Choose a policy which allows you maximum deduction.

Any pointers to keep in mind while buying a health policy? You can buy your health insurance policy online and save on money. Get an instant quote and calculate your premium rates through the tax calculator. See how much tax gains you can make on your policy.

The floater plan is ideal for families. Some insurance companies have innovative policies such as the family floater plan, which covers every single member of the family under the same sum insured. One single policy for the entire family! Sounds great isn't it?

Look out for unique coverages offered. The insurance companies are now providing unique coverages, apart from the standard mediclaim covers. example, there are policies covering dental expenses, outpatient department expenses etc.

You can save tax by purchasing a medical policy like Health Advantage Plus. Apart from offering good coverage options for your family, the Health Advantage Plus scheme gives you the maximum tax benefit you can avail u/s 80D. The premium of this policy has been designed to remain the same at RS 15,000 or Rs 20,000 with the sum insured changing every year calculated on determining factors. This way, you can get 100% deduction benefit under section 80D with a policy like this.

Friday, July 27, 2012

Could Satyam's Fiasco Be Over After Tech Mahindra Takeover?

The year 2009 for Satyam Computer Technologies Ltd had been full of troubles and up downs. Satyam was plunged into a crisis in January after its founder, B. Ramalinga Raju, said that the company's profits had been overstated for several years. Finance professionals, however, say that the scam could not have happened without the complicity of company auditors.

After the scam in Maytas acquisition deal, Upaid Systems case, World Bank had banned Satyam from doing business with it for 8 years due to inappropriate payments to the World Bank's staff and the free fall of its share prices, the company could not stand on its own and hence SEBI permits for soliciting bids from potential buyers.

Good Old Time
The word satyam means "truth" in Sanskrit.
Satyam's network covers 67 countries across six continents, employs more than 40,000 IT professionals across development to serves over 654 global companies, 185 of which are Fortune 500 corporations.

In 2008, the company get Asian MAKE (Most Admired Knowledge Enterprise) Award from Teleos, in association with KNOW Network, UK Trade & Investment India (UKTI) Business Award for corporate social responsibility from UKTI beside many other awards since its formation. Ramalinga Raju, the chairman named as Ernst & Young Entrepreneur of the year.

But after four months of this pull-push, on April 13, 2009, Kiran Karnik, the MD at Satyam announced that IT services provider Tech Mahindra had offered the highest bid at Rs 58 per share and become the new owner of the company.

Tech Mahindra: Overview
With more than 25000 employees, Tech Mahindra Ltd formerly known as Mahindra British Telecom (MBT) is an Indian Information Technology service provider headquarters at Pune, India. It is the 6th largest software exporter in India (Nasscom, 2007) and 2nd largest Telecom Software Provider in India (Voice & Data, 2007) and JV between Mahindra & Mahindra Limited (M&M) and British Telecommunications plc (BT).

Satyam-Tech Mahindra deal
Tech Mahindra's acquisition of Satyam has come as a relief to both the market as well as most Satyam employees. Though worst may be over for Satyam, the deal is not going to be an easy ride for the Mahindra group company.

Challenges for Tech Mahindra
1. The biggest challenges for the new management will be to regain customer confidence so that they do not pull back the existing contracts.
2. Tech Mahindra has not much experience in most of Satyam's business verticals and may face problems while dealing issues relating to its own core business.
3. The new company has to pursue all the legal liabilities of the Satyam group.
4. Forming a new leadership team and the role of existing top management in the team will be a key challenge as they have to shortlist the existing key leaders.
5. The business profiles of both the companies are totally different and therefore Tech Mahindra has to face challenge of marrying the work cultures, winning the trust of the employees of two organisations and other human resource-related issues.
6. The Tech Mahindra management would have to clean the balance sheet of the scam-tainted company and show the real profits/loses by the company.
7. As Satyam already facing financial problems so Tech Mahindra has to deal with the Liquidity issue for its operations. It is assumed that the company may have to immediately invest Rs 1,000 crore in Satyam for operating expenses.
8. Last but not the least, in the tough time of recession every step from the new owner matter the most. The internal problems in its own company, like the company could not clinch a single deal in March and shed about 250 employees in the past three months citing reasons of non-performance, forces to take every step only after many evaluations.

The Satyam deal would bring Tech Mahindra into new industries, from manufacturing to financial services, and make the company India's fourth-largest outsourcing firm, by employee count, behind Tata Consultancy Services, Wipro Technologies and Infosys Technologies. Hence the deal may help the employees, shareholders and their clients to rejuvenate the lost glory of Satyam Computers.

Thursday, July 26, 2012

Safety With Jetskis For Sale - Everything You Must Recognize

Lanyard Safety Cut-Out

When purchasing used or used jetskis for sale, ensure that the machine comes with the stability cut-out lanyard. With this pen you can stop the jet ski by extracting the different close through the boat and as a final result shutting it down entirely also as then protect you from even farther harm Try to avoid the mature machines that don't have these. The last thing you want will be the jetski to help keep running and maybe run into additional craft or men and women in the water.

Forget the High Jumps

Jumping or surf-jumping is not a beneficial notion at excessive heights may be alright. On a brand brand new jet ski you'll be able to see a string attached which has a letter stating that jumping on waves can cause a significant spinal or backbone injury. This can happen to your account therefore you need to be aware of it. Stay away from jet skis after you currently have a spinal issue. Running at a safe pace in choppy troubles is smart so you shouldn't boost your speed to a time where things will become a concern.

Avoid the Jet

Check the design when you go to purchase a jet ski and make certain that you are not getting an particular person seater. To get a lot of who can stand while skiing a solo jet ski can be the way to go. Support for the back is truly truly worth checking out on when you have a seat. Wet suit bottoms, if not the whole suit, are absolutely really worth it for anyone riding a jet ski. The factor to get this will be the simple fact that it's feasible to fall of a jet ski in such a way as to get the full push of the jet of water.

You can be seriously injured by the powerful jets. Valuable, thick neoprene wet suits are the factor that this doesn't transpire additional often in addition to the safety lanyards. You also have to fall off the back in the jet ski at a certain angle to acquire the full push in the jet. Though it's a small involved possibility it's still one to imagine of when purchasing your jet ski accessories, particularly with the excellent ones available for sale at the Jet Ski Warehouse.

Water Intake

One additional kind of injury that's not incredibly typical, but has been known to occur, arises through the way the motor sucks water into the intake to stress out the output pipe, so generating the stress that causes the jetski to move. In case you have any loose clothing, prolonged hair or things else hanging loose which can have into the grate and caught in the moving parts in the suction system, you then can be badly injured. Staying away through the water intake with most being tucked away may be a beneficial thought.

No Hooning, Only Control

A handful of some some other miscellaneous safety warnings are due here. Never, ever drive towards swimmers and then try to scare them or show off. Recognize that your jetski has no brakes - it's not like a bike where it is possible to put on the brakes and screech to a quit. Nearly all you'll manage to do to steer clear of somebody, or even one a lot more watercraft, is to do a tight turn, in the event you are in almost all likelihood to fall off in case you are inexperienced additional than sufficiently to behave like a fool. Imagine it or perhaps you can't, water hoons aren't admired! Being barred is in almost all probability for a hoon.

Also never drive so fast which you do not feel in total charge of your jetski. Gain and merit the trust that your passenger is giving by allowing you to definitely ride with them. Rather a handful of accidents, also as fatal accidents, are caused by folks losing control or smashing into distinct watercraft or folks. Death generally occurs when a jet ski hits a swimmer. So be careful, always feel in control and steer well clear of folks in the water and different other craft.

Must you spend out attention to just about just about all of these safety points, then you definitely surely can glance at the choice of jetskis to get sale that we could quickly give you, acquisition the one you like the almost almost all and enjoy the thrill of shooting from your water without creating an accident to yourself or any individual else. Jetski wet fits and some other accessories could be advised too.

Playsuits & Jumpsuits - The New Vintage Must Have!

Let's face it, the jumpsuit is probably one fashion garment which was not in your wardrobe last year, so credit crunch or not, it may make sense to buy at least one version to suit your shape. A girl has to wear something right? So why not make it vintage and uber fashionable?

Cute, versatile and utterly gorgeous, anyone who's anyone is either talking about or wearing on of the current coolest fashion trends in the form of the jumpsuit or playsuit. This fabulous new trend started when top designers such as Alexander McQueen showed jumpsuits on the worlds finest catwalks. McQueen presented both these glamour girl body-con jumpsuits designed with crystallised fabric the jumpsuit material has been embedded with luxury crystal pieces that glimmer in a way that only top notch Austrian crystal can. The result took the jumpsuit into the realm of exotic, sexy and stylish evening wear. Us mere mortals may favour something more down to earth, but each one of us can admire the figure-defining cut of these jumpsuits which are most reminiscent of knitted lace jumpsuits of the seventies.

Following this massive seal of approval, there is now a wide array of playsuits and jumpsuits available on the high street but each and every one takes it's inspiration, shape, colour or print from the vintage fashion of the past. So this is our plea to all you fashion conscious women out there don't buy sub-standard remakes from high street stores, buy the original, well made and long lasting vintage clothing that preceded it!

Somewhere between the sophisticated 1970's wide leg flowing jumpsuit and the1980s glitter filled retro jumpsuit, is the softer fashion playsuit. What we see here is a more fun version and which is cropped or designed as a shorts playsuit. Vintage playsuits are huge this summer. In a variety of colours, styles and prints, looking great with gladiator sandals and lace up pumps for the cute yet edgy indie look. Going through into autumn/winter we expect to see the very same beautiful and popular vintage playsuit teamed with luscious chunky opaque tights, brogues and long line cardigans. A more mainstream alternative being the never tiresome and ultra cosy combo of playsuit, leggings and Ugg boots.

Fashion students have always learnt how styles of a previous generation are recreated and resurrected in a new form or style. We see this happening in many lines of modern day fashion, and has prompted the resurgence in the sales of classic vintage dresses, vintage coats, vintage tops, vintage jeans, vintage skirts and vintage accessories. What we are seeing in now is a major fashion trend for trousers to join up with tops, the result is the super retro jumpsuit, flying suit or playsuit.

But the all-in-one is certainly no new invention, we have seen this shape in key fashion going back to 1950's swimwear. Most of us think of the eighties when we see jumpsuits but the birth of the jumpsuit was actually in the late sixties. In art houses and chic rich haunts worldwide, the shorter playsuit and longer jumpsuit was making waves. It was classic and simple, think Coco Chanel black and white monochrome beneath a Studio 54 backdrop. In the seventies we saw more loose and flowing trousers with more fitted tops and halternecks. Perfect with the long wavy flicked hair of the era. In the eighties the jumpsuit was so much more dramatic with big shoulder padding, bare backs, tapered trousers, candy colours, sequins, glitter and feathers. And of course as fashion progressed through the years, so did the array of prints and colours, vivid Pucci and jazzy op-art making the biggest impact of all. And of course we cannot forget the brief resurgence of the all-in-one in the warehouse filled nineties with boiler suit rave chic, all neon, zips and whistles. Perhaps one trend that won't be making a reappearance!For now, narrow and tapered trouser legs have risen above the ankle. High waist bands and peg-top carrot shaping means what was lost at the ankle has been taken care of above waist. This season amid black, navy and grey styles you also need to find plain bold bright colours such as a santorini blue, ravishing red or tangerine orange.

When shopping for vintage jumpsuits and vintage playsuits, look for satin, cotton, viscose and printed patterned fabrics, especially floral fabrics and ditsy or dotty prints.Don't be put off jumpsuits when you see a shapeless mass on your coat-hanger. These are garments which need bodies to fill them, and heels to stride out, only then will the jumpsuit burst into life and seriously turn some heads! A fashionable jumpsuit has the advantage of meeting evening/cocktail/occasion wear half way, and may well be the solution for those moments when you have no idea what to wear. Like the vintage dress, vintage jumpsuits are an easy to wear all-in-one fashion, but if carefully chosen, have the advantage of being able to be glamorous whilst enabling the wearer to pursue more active pursuits and weather changes with discretion! And don't forget if you are worried about your back view there are many long line cardigans and vintage trophy jackets that could ensure the viability of this look.

Sunday, July 22, 2012

What is a Consolidation Loan and How will it Benefit you

Simply put, debt consolidation involves taking out one larger loan to pay off an existing debt.

Why would anyone want to take out a loan to pay off another loan?

The answer is simple:

A Consolidation loan allows you to make one payment every month, as opposed to making payments to many different parties. You will in effect be putting all your debt into one big pot, and making one monthly repayment, at a lower interest rate.

The loan is paid back at a lower interest rate when the debt is consolidated, because the loan that is taken out is secured against an asset. The asset acts as collateral for the institution lending the money. If you borrow the money and default on your payments, you can be forced to sell the asset to pay back the loan.

Debt consolidation can be a good way to pay off credit card debt. The interest payable on a credit card will be significantly higher than the interest on a consolidation loan. The interest payable on a consolidation loan can be up to 50 percent lower than credit card interest. The same can be said for administration charges on your various monthly expense accounts. Consolidating your debt will lead to savings on these accounts because you will only pay interest and fees on one account.

The institution that you lend the money from will also help you to structure the repayments so that they fit in with your budget. Your monthly income will have an effect on your monthly repayments each month and the total amount you will be allowed to borrow.

Loans can be secured or unsecured. A secured loan involves using your home as collateral for the loan. If you fail to make your monthly payments the bank can force the sale of your home. The advantage of a secured loan is that you will be able to lend a much larger amount than you would in the case of an unsecured loan.

An unsecured loan involves lending money without having to put up any collateral for the loan. While this protects your property from foreclosure the amount you will be able to borrow will be considerably lower. The interest rate will be higher because the bank has no security in the event that you cannot pay back the loan.

Saturday, July 21, 2012

How Much Has Parenting Discipline Changed Since You Were A Child?

There are few more emotive issues in today's society than parenting discipline. Ask a hundred parents what child discipline is and you'll probably get a hundred different responses. The parenting discipline landscape has changed considerably during the last fifty years, with more emphasis placed on mental discipline than physical.

In this article, we will examine what is considered implementing new age parenting disciplines which are becoming more widely accepted, particularly in the western world.

The Days Of Corporal Punishment

There was a time when copping a whack on the bottom was part and parcel of growing up as a child. It was called corporal punishment and was not only invoked at home but was also dealt out at school. Remember the cane? I do and so would many others of the baby boomer era. Was it wrong? This is where you have to be careful because new age parenting disciples have become so dead set opposed to any form of corporal punishment that any mention of it now has connotations of child abuse. I didn't like it but did it affect my becoming a model citizen? The answer is a firm no!

Examining Some Good Discipline Practice

So what are considered good parenting practices today? Well, pyschology seems to be in vogue. Here are some examples:

- Don't yell at your child. Why? Because it's been determined that children respond more when approached in a calmer fashion. This doesn't mean you need to bribe a child. Pointing out errors in a calm and controlled fashion will earn you more respect in the child's eyes, particularly from a mentoring perspective as opposed to yelling and demanding. Ask yourself this... what would you respond and respect more, being yelled at or spoken to in a calm tone?

- Give your children the opportunity to have their say but be careful not to give them adult privileges. That is, maintain your authority in a positive and firm way. The child will respect you for allowing him/her to be heard but should know that you set the rules and they are expected to abide by them. Break the rules and they will be disciplined.

- Be careful not to attack a child's self esteem. A child who is continually told they are useless are going to grow up thinking what... they are useless. Praise should be given when appropriate however, too much praise can also be a dangerous thing. Why? Because a child will expect it and if it's not forthcoming, even for the most trivial thing, it can affect their self esteem. You need to find the right balance.

- As parents, presenting a united front is vital. Parents who disagree continually on appropriate punishment in front of a child are headed for trouble. Trouble in the fact that children are very perceptive and learn quickly. If one parent shows too much compassion all the time guess what? The child will pick up on this and establish his/her own higher ground in the battle of getting at least one parent on side for their own agendas.

Comparing parenting disciplines from bygone eras is quite interesting. On the surface things are certainly done differently but a closer examination begs the question... have the core base rules of parenting discipline really changed?

Thursday, July 19, 2012

Why you Should Buy Some Oak Flooring

Oak flooring is very common these days. It is used in both commercial and domestic places. It has many colors and designs in it so people like to use it in different contrasts. There are so many different patterns and variations available with oak flooring that one can have a different sort of style in every part of the home. Oak flooring is unique because it has certain features that set it apart from other types of flooring. It is pest resistant and is also has a moisture absorbent quality. In rainy seasons or during the snow fall, moisture is always a big problem and may cause damage to very valuable things. Moisture damage is very tough to clean and if it stays on the surface of the floor for a long period of time, it can cause a lot of damage. Thus one has to be very careful while choosing flooring option. One must consider the geography and climate of the area when building a house so that they can choose the best materials for its construction. As home building is quite an expensive undertaking. When doing so, one has to be very careful and must make the right choices in the initial stages by taking all the factors into consideration.

Oak flooring is not very expensive and people with low budgets can also utilize this option. During the construction of homes and offices budgeting is a very important factor. As there are economic troubles everywhere, people are being very careful with spending their money. They tend go for the cheap, but durable options. Similarly, in the construction of offices, budgeting is a very big consideration as people want to invest more in the actual business than in the buildings

Oak flooring is very popular in the churches. With his respectable appearance, is oak parquet for a perfect place of worship. In designing the new churches the most important factor is function, so the floor should be long lasting and durable. The design is respectful of the oak floor and contributes to the tranquil and peaceful atmosphere of the church. It is also easy to clean. With proper care, the oak floor can last a very long time.

Oak flooring is used primarily in Europe and America, but in the meantime, the trend is going towards Asia and other places as well. When traveling through Europe and America, people pay attention to the oak floor and the way made the rooms look and sophisticated feel that the atmosphere lent. She loved the look and feel of oak parquet flooring ideas so much that they take home and try to apply the design of their own home, with a mixture of their own culture. In this way a new product mix masterpiece of creativity. As friends and neighbors come visiting, they want there for their own and thus a trend is born. People like to change it, and if these changes, they offer more convenience, and if they are sustainable, then they have no problem to spend a little more so. Oak flooring is natural, and is worth the extra money for his quality. Go and buy some oak flooring. You will not regret it.

Copyright (c) 2010 Syncronox

Saturday, July 14, 2012

Solar Energy - Advantage Of Solar Street Lights

Solar energy- One of the most major energy of this century for human. By 2030, the world's electricity production will rely mainly by Solar energy. Solar energy as a non-polluting environment, but also an inexhaustible new energy will be everywhere. Solar products by light under the sun, into electricity process, is developed by means of a new high energy, mankind yearns for the 21st century, the pursuit of a new light.


Solar lights and solar power generation systems, etc. The main innovation:
An energy saving, which uses natural light, no consumption of energy, and inexhaustible not finish;
2 green, with green environmental protection requirements, no pollution, no radiation, ecological protection;
3 security, the products do not use AC power, andSolar energyabsorbed by the battery, through the low-voltage direct current into light, is the most secure power supply;
4, high technology, products, core devices are intelligent controller, set the self-control, time control switch device 24 hours a day under the sky brightness and the people in a variety of environments need to automatically adjust the brightness;
5 products long life, low cost installation, and maintenance.


Advantagessolar street lights
As the Earth's resources become increasingly scarce, increasingly based on investment costs of energy rising, and a variety of safety and pollution problems can be said to be everywhere.Solar energyas a "inexhaustible" security, environmental protection and new energy sources more and more attention. Thus, solar water heaters with solar lighting products came into being after the popular, where the solar street lamps and light effects in using the circuit for practical comparison.
A comparison:
Citystreet lightinginstalled power complex: electric lighting in the city street project in the complex operating procedures, first laying cable, here would be the cable trench excavation, laying of underground pipe, pipe threading, filling large number of foundation engineering. Then a long period of installation and commissioning, if any of the lines in question, will have to rework large areas. And complex terrain and line requirements, the high cost of labor and supporting materials. Easy to install solar lights: solar street light installation, do not lay a complex line, so long as to make a cement base, and then you can use stainless steel screws.
Contrast 2:
Mains electricity lighting the high street:street lightingelectricity work has a fixed high tariffs, a long-term continuous and other configurations on the line for maintenance or replacement, maintenance costs increase every year. Solar Road Lamp-free electricity: solar street lamp is a one-time investment, no maintenance cost, investment cost recovery for three years, long-term benefit.
Contrast 3:
City Electric Lighting lamps pose a safety hazard:street lightingelectricity due to construction quality, the transformation of landscape engineering, materials aging, power supply not normal, water and electricity pipes and other aspects of the conflict bring many security risks.
Solar lights are safe is: ultra-low voltage products solar street lamp is safe and reliable operation. Other advantages of solar lights: green, high ecological community for the development and promotion of the addition of new selling point; sustainable reduce property management costs, reduce the cost of some of the owners of public sharing.
In summary comparison above, no hidden solar security lights, no consumption of energy-saving, environmental protection, ease of installation, maintenance and other automatic features, will be the sale of real estate, municipal construction projects can be used directly to bring obvious advantages.


Solar street light consists of the following components: solar cells, batteries, solar street light special controller, light and lamp post. Is an automatic control system of work, simply set the mode of the system will automatically work. Solar street lamp is ideal for road lighting, along with the improvement of people's lives and the continuous development of society, it will be widely used to give the earth the sun the bright lighting at night for the man.

Home Collection Loans - Easy Way To Cash

Home collection loans are the loans which make your life so easy because you don't have to go anywhere you get your money directly in your hand. home collection loans are always there for you to help you out in your daily necessity and needs according to your lifestyle. Yes! This is very much true that you will get your money in your hand by just turning on your computer and visiting our Loan companies in UK website.

Why Home Collection Loans?

Home collection loans are basically very much convenient and easy. They help us in our suddenly occurring monetary situations like paying our water bills, electricity bills, purchasing grocery items etc. Money is a thing which is very important and integral part of our life and it can be needed anywhere, anytime at anyplace so we have to be mentally prepared for crucial times which we can face in future , but now there is a solution for all these problems and that is home collection loans.

Home Collection Loans Are For Everyone

Home collection loans are very much useful for people having less or fixed amount salary or the people who are really very busy and don't have time to step out of their house and also for the senior citizens who are unable to go out due to there health problems. You just have to do nothing but just approach us and get your money at your doorsteps because this is the easiest way to get your money in a proper manner.

Home Collection Loans For UK Citizens

If you are a UK citizen and you are facing problems or undergoing some monetary situations please forget all your worries and just contact us and we are there to help. There is a very easy way to apply for the home collection loans as there is no credit check it is very easy and smooth for you to invest the loan money according to your comfort.

Flexible Repayment Options

Lenders in the financial market have a very flexible repayment options for the people who are unable to pay back the loan on time, we provide them more time and also take less interest on loans. Home collections loans are always there for you, just you have to visit our website Loan companies in UK and fill up the application form with your basic details and money is in your hand.

Monday, July 9, 2012

Dreams and practicality

When you look at all the movies, television shows and mainstream magazines, the successful people in our society are all supposed to be mercenary, interested only in demonstrating their wealth by conspicuous consumption. That means they must have one of these detached homes with enough room for a 9-hole short course in the master bedroom and a swimming pool on the roof, while the garage is full of all those dream motors. Anyone who is anyone must drive something exotic from Italy or Germany or some place where people know the name but never quite worked out where it is on a map. So, when all the rest of us fantasize about suddenly hitting the big-time with the latest lottery ticket, the first thing people think about buying is one of these top-of-the-range cars. So, the ,000 question (the minimum price tag on some of these cars after a dealer discount) is how much they cost to insure.

There's a new survey out (as always). A dedicated research team set out to find the top ten of the most expensive cars to insure in 2011. Interestingly, we have all the usual suspects from Mercedes, BMW, Aston Martin and Porsche as the makes, but curiously not Rolls Royce, Bentley, Ferrari, Bugatti, Lamborghini or, even, the Saleen S7 which, as all dreamers know, is America's top supercar. It seems the retail price is not the only factor taken into account when setting the premium rates - the Bugatti Veyron is currently the most expensive car to buy. Yet, perhaps, it's all slightly academic since all these top insurance rates are clumped quite close together. Probably, the missing models are just off the edge of the screen.

Anyway, the top average annual rate quoted is ,543 for the Mercedes SL65 AMG. This must be the rate for an older driver not likely to try driving it on a public road with the acceleration and at the speeds it is capable of producing. If anyone younger and pumped full of testosterone wanted to get behind the wheel, we suspect the rate might be rather higher.

So here we come to the point of all this. This model of Mercedes sells for around 0,000 and yet only costs an average of ,543 to insure which is about 1.5% of the retail price. Let's now go to the other end of the scale. The cheapest vehicles to insure start with a Chrysler Town & Country LX. This costs about ,000 to buy and ,091 to insure which is 2.4% of the retail price. If we are to believe these insurance figures, it seems the average driver pays more to insure their lower priced vehicles and so subsidize the tiny minority that can afford to buy these dream cars. Yet, the lesson is the same for everyone if they want cheap car insurance for whatever make and model they buy. Always get the maximum possible number of car insurance quotes. Only by comparing all the prices and terms on offer can you hope to find the best value policy. Even the wealthy in their dream cars appreciate saving a few dollars when they have the chance.

Sunday, July 8, 2012

Tried and True Ways to Save

A flawless driving record and Everest-like credit scores are helpful when it comes to saving money on car insurance, but not absolutely necessary. There are tons of tips out there that promise big savings - and most have some truth to them. These are the most successful methods for saving big on a policy.
Maximize coverage, minimize cost.

Safety First

1. Drive Safely and Lawfully
This is the biggest part of your insurance payments. If you've made mistakes in the past, just make sure you are good going forward. Consider taking defensive driving courses to get better - there are big discounts.

2. Vehicle Safety

Get as many safety features as you can on the vehicle. Lo-jack costs next to nothing but will really lower your payments. Airbags are another up-front cost that will save you lots of cash into the future.

Getting a new vehicle? Pick one with a high safety rating.

Deducting to Save
There's a simple rule when it comes to calculating your premiums: the higher the deductible, the lower the premiums. This doesn't mean that you should agree to pay tens of thousands of dollars before your insurance helps - there wouldn't be much of a point in getting insurance if you did. What it does mean is that you should pay the highest deductible that you can actually, reasonably afford. This way, you'll end up getting the best deal.

Discounts
Low mileage, good student, mature driver, defensive driver, covered garage: these are just some of the discounts that most insurance providers offer. There are hundreds of discounts out there, some varying company to company, but you might have to put a bit of pressure on your provider before they will tell you about them. They are never going to offer them up, so it is good to have some quotes from other insurance companies on hand to put the fear of God in them.

Careful with the Coverage
If you want to pay the lowest amount possible while still meeting your needs, you've got to know exactly which type of coverage you want as well as how many dollars you want covered. Make sure that you aren't double covered as well. If you've got stellar medical coverage/health insurance through your employer, no need to take out a medical policy on your vehicle. If you're the safest driver in the world, you might not need much coverage since you are unlikely to be responsible; personal injury protection (PIP) might be enough.

You deserve all the credit
Credit rating is a big part of your premiums, but you don't have to have perfect credit to get big savings. Get a credit report and fix any errors that might be on there - they are extremely common! If you can settle any outstanding fees or even get the amount you owe on a credit card down to 1/3 of the limit, even better!

Auto Insurance Quotes
Saving money is as easy as free online auto insurance quotes. You can get a good idea from these estimates which auto insurance providers are charging what, so make sure to spend some time comparing these auto insurance quotes.

Saturday, July 7, 2012

Payday Loans Online

If you are facing trouble with your finances and you are short of money, consider applying for payday loans online. Cash advances from these loans can be used for any purpose and they can be easily acquired. These loans do not require any credit check and there are simple steps which are to be followed to receive instant cash. The cash amount can vary from 0 to ,000 and the money can be used for various purposes like rent payment, utility bills payment, medical bills payment, personal expenses and almost everything that you can think of. Once you get your next pay check, you can pay off the loans.

Application procedure for payday loans
Before you apply for payday loans, you need to know that there are two methods which can be used for application and that you need to fulfill the eligibility requirements. You can pay a visit to any of the physical offices of the lenders and make paper application for the loan. In this method of application, there is always a chance that you can come across someone you know and this can lead to embarrassment. This can however be avoided by using online application. You need to visit any physical office and you can simply fill up the electronic application form from the website of the lender and at the same time enjoy the comfort of your home. Before applying, you must find out whether you satisfy the eligibility criteria or not. To be able to apply for these loans, you need to be older than 18 years and you need to have a steady income flow every month. You also need to have an active bank account and you must be employed with some reputed and dependable company for a period of at least 6 months.

Online application
Application for payday loans online will require you to fill a simple application form which takes a maximum of 90 seconds. Once, you furnish the data required, the application is processed immediately and the cash is deposited in your bank account within a few hours. The lenders do not run any credit check which explains why loan applications are processed quickly. To compensate for the risk that the lenders take by not running any credit check, they generally charge interest rates which are higher than the prevailing market rates. Once you receive the money, you can use it for any purpose and you need to repay the money after you receive your next paycheck.

Security issues
Online application has a security risk. There are hackers and risks of identity thefts which is why, the lenders make use of the most advanced and latest web security technologies and protect the data with multi-layer encryption. This ensures that the information that you furnish is completely safe and secured.

Bottom line
Financial crisis can hit anyone anytime. Since banks do not entertain loan applications for amount less than ,000, applying for payday loans online with alternative reputed lenders can help you to get some instant cash to deal with your financial problems.

Now, find out how you can now get the best payday loans without within a few minutes from the best reviewed online resource.

Next, find out how to get the best payday loan at:

Friday, July 6, 2012

Business Idea With The Bank Bin Database

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

1. Buy the bin database software

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

2. Attracting the clients

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

3. Presenting the advantages of the bin database search program

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

4. Customizing your offer

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

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

Wednesday, July 4, 2012

The Benefits of Tax Outsourcing

There are certainly benefits in Tax outsourcing; tax benefits are some of the conspicuous ones from this modern day work strategy. Outsourcing has indeed generated a great amount of controversy in many countries around the world.One place the controversy has been at the center stage for many years in India. Although the story of India is not an exception but rather one of the many examples that can be cited for the heat this approach has exuded. Indeed, companies that have outsourced jobs have been condemned for non patriotism and discriminated against in some ways. But if you were to spend a moment to study the reasons why some companies decide to outsource, you would perhaps appreciate and understand the cause of their operation.

One of the things that happens is that there is a significant level of reduction in taxes of the outsourcing company Every company looks for ways to keep up with the ever rising demands on their financial resources, what better way to cut down on expenses that to adopt tax outsourcing then?

The tax outsourcing policies in some countries

Some countries allow companies that outsource labor services to deduct tax payments made to foreign nations. One such country is the USA. This sounds like a tax haven of sorts to some business people. Indeed it may in more ways than one. For instance, this is a tax reprieve for companies struggling with increasing labor costs. But the government knows that if the companies are assisted to stay afloat, then the production will boost the exports of the country. This is referred to as foreign tax credit. In fact, in the American arrangement, the companies that do Tax Outsourcing make a double gain because they are only required to report their payments of taxes on profits that have been earned in a foreign country to the IRS and in return they receive a tax credit on the profits reported.

Tax Outsourcing Is a Saving Strategy

America is one of the world's most taxed nation.It is actually second only to Japan in this respect. This is particularly when it comes to corporate taxes. Local companies have therefore resorted to Tax Outsourcing in order to save on money. This is achieved simply by reporting the taxes paid to a foreign country and subsequently deducting the same amounts from their tax returns.

Foreign Expansion: the Smart Choice in Tax Outsourcing

Companies that enjoy the benefits of have now evolved their strategies of taking advantage of the American tax policy. Companies now seize this opportunity to go multi national by using the profits they earn overseas to plough back in the overseas ventures and expand their operation. Here, the logic is that profits that have made overseas do not attract any taxes. These profits are referred to as non repatriated profits. So, smart firms choose to reinvest the same profits got from foreign nations in their businesses in the foreign countries. This has often been referred to by some business analysts as a tax loophole for the American corporate.

Business Principles We Learn from Warren Buffett

According to "Fortune Magazine," the third most admired company in world is Berkshire Hathaway. When we think of Berkshire Hathaway we think of its head one of the wealthiest man in the world Warren Buffett. What business principles we learn from Warren Buffett? What is his magic?

Strategic Approach

Warren is one of the best investors in the world. His approach is simple. He does not buy stocks as much as he buys businesses. He focuses on a company's value, its stock price and its risks. He looks for companies with strong brands, simple business models, a good return on equity with a lot of debt.

If the price of a firm is less than its value, Warren is interested. In doing his homework, he studies the firm's competition, ignores what analysts have to say, and pays little attention to fluctuating market trends. In fact when the market is down, he believes that may the best time to buy.

Jim Collins' Lens

Let's start by looking at Warren from a perspective of what Jim Collins teaches in his seminal book "Good to Great." The book was the result of Jim's research, where he led a team in a five-year study in which they "scoured a list of 1,435 established companies to find every extraordinary case that made a leap from average results to great results."

Jim describes the best leaders of the companies that became great as "level 5"leaders. They are ones who built "enduring greatness through a paradoxical blend of personal humility and professional will." A level 5 leader is first and foremost ambitious for the cause.

Humble Style

Warren's humble style is refreshing. He has simple tastes. He doesn't wear expensive suites. He lives in the same home he bought in 1958. And, he drives his own car. Warren also is famous for how he makes fun of himself. One of his one-liners is, "I buy expensive suits. They just look cheap on me."

Professional Will

Warren is driven as demonstrated by his almost incomprehensible wealth. Warren looks not only for businesses that are a good deal, but he looks for leaderships who have long tenures of success in their business and who are deeply passionate for the business.

Back to Jim Collins - the Hedgehog Concept

Jim's team came to simple but powerful conclusions. One important point they make is referred to as the "hedgehog" concept. A key to greatness is finding the intersection, referred to as the sweet spot, between your talent, passion,and economic opportunity.

When we look at Warren from the "hedgehog" framework, we find simple insights:

Passion: What are you deeply passion about?

Talent: What you can be the best in the world?

"I was wired at birth to allocate capital and lucky enough to have people around me early on-my parents and teachers and Susie [his late wife]-who helped me make the most of it," Buffett told Carol Loomis of Fortune magazine in the June 25 issue.

Economics: What drives your economic engine?

Finding great companies and leaders and investing for the long-haul.

Warren found his passion and talent in life and focused. He became one of the most successful and richest investor in history.