Thursday, November 29, 2012

Improve Profitability When Buying Commercial Truck Tires!

If a company owns one or a fleet of bucket trucks, they are possibly the best operations asset that a company can ever own. Like any other commercial vehicle, buying commercial tires can really cost any company a considerable amount of money. Yet the benefit of getting brand name and quality wheels can far outweigh the cash invested. In other words, getting quality tires could eventually give a company more value for its money in the long run.

There numerous kinds and brands of tires available in stores. There are some things that need to be considered before getting such an item for bucket trucks. Shopping can be done either online or shop in a store's physical location. One needs to know the right size and the right kind of tires for the vehicle. A buyer should also know which ones need to be replaced, the drive or the steer wheels. Resolving these issues before shopping will save both time and effort. Following is some important information about buying commercial truck tires.


* Get the exact details needed. Generally, on the outside of the wall can be found all the information needed for the wheel that is to be replaced, including information about the width, aspect ratio, and the type needed. There are two basic types of truck tires, cross-ply (bias-ply) and radial. The radial design is for automotive use and the fibers inside the wheel are threaded 90 degrees sideways. They are designed this way to reduce the rolling friction. These offer so many advantages they have basically become the standard design of tires today.


* Know the thread designs. Thread designs differ depending on the purpose and usage of the truck. The Rubber Manufacturer Association (RMA) has set guidelines for threads designed for both mud and snow and usually have M+S, M/S M&S or just the plain MS marked on the wall. Otherwise, there are designs that help avoid hydroplaning and threads designed to minimize wind resistance along with other thread designs that meet the customer's trucking needs.


* Be determined to get quality tires. These are expensive yet can ultimately save time because they will last longer as they are designed for more mileage compared to their cheaper counterparts. Better quality wheels save money in the long run since they give the truck a smoother ride over the roads with less acceleration, thus having the potential to save the company a considerable amount of money due to a lower fuel cost.


* Decide to replace both pairs of wheels to have a balanced tractor-trailer. If the decision is to only replace one set of tires on only one side of the vehicle, bear in mind that the old ones not being replaced will already have lost rubber leaving them thinner when compared to the new ones. The truck may get slightly off balance since the new tire is thicker than the old one, especially when the vehicle is loaded with heavy payloads.


* Great deals for quality wheels are readily available online. Major companies have websites for viewing their goods online where semi-truck tires can be purchased. By being able to browse and match the model of the truck, this can make the shopping easier and more convenient.


* Shopping at a local store for vehicle parts has the advantage of personally seeing the tires and getting first-hand information from a sales representative who can further explain to you the benefits of what best suits the needs of a particular truck.

Lastly, successfully acquiring more costly commercial vehicle tires may cause a company to spend more money initially; yet the eventual outcome of long-term savings will surely make that initial cash payment well worth the investment. Getting the best quality wheels for your bucket truck means greater savings and may increase your company's long-term profitability!

Tuesday, November 27, 2012

What Is A Bin List And Why It Should Be Used

In today's age, online transactions have become a rage, as customers are increasingly selecting to use online sites to purchase popular products. With the rapid growth of online transactions, deceitful activities have started to emerge at a speedy rate, to eat into the earnings of online merchants. For online merchants, there is an urgent need for detection and prevention of online fraud. This is where BIN list or bank identification number database comes to aid. BIN list database helps merchants to monitor a dubious order and in turn strengthens the fraud prevention actions.

BIN list bank identification number provides authentic information about debit and credit cards. It provides vital information such as the name of the company, which has issued the card, such as MasterCard or Visa, what kind of card it is as well as what is the card level, whether it is a Classic or Gold card. Apart from these facts, the BIN list also offers other important details in relation to the debit and credit cards, which will prove to be highly valuable for online merchants during transactions. In basic terms, by means of the bank identification number BIN list, a merchant is able to benefit from an ultimate fraud prevention measure.

BIN list helps to throw light on the card holder and his card.
However, the ability to get hold of supplementary details, which extend further than the first six digits of the card, provides a trader with the essential fraud prevention measure. It can bring to an end to the dubious transactions. By means of the supplementary details provided by the BIN list, a merchant is able to increase the risk management factors. Through the information acquired by the BIN list checker, a merchant is able to find out whether an online transaction is fraudulent or not.

The BIN list credit card numbers for each credit card company are completely different. For instance, for BIN list for VISA begins with the 4 numerals. While for MasterCard, it starts from 51 and continues till 55, for Diners Club the BIN list card number starts with 38 or 36. Again, for Discover, it starts with 65 or 6011, whereas JCB has the same beginning with 35. The BIN list AMEX number starts with 37 or 34.

The BIN list data strikes a warning signal when the country, where the card has been issued fails to match with the country, where the delivery is intended. To strengthen fraud protection, the wide-ranging BIN list database assists an online trader to verify the genuineness of dubious orders. For example, if a debit or credit card issued by a bank in London is used to purchase and ship products to California, the transaction, which has been attempted, can be screened and reviewed prior to the completion of the order processing. This is definitely the perfect technique to avoid false card transaction.

As a result, by using BIN list database, online merchants are able to uncover details of card users extensively. Thus, they are able to prevent themselves from experiencing significant business losses.

Saturday, November 24, 2012

Mortgage Loans With Bad Credit: Understanding How Your Fico Credit Score Impacts Your Eligibility

Many people who look for home loans these days have a vague sense of the importance of a FICO credit score in determining loan eligibility. It is true, that your credit history can weigh big in your ability to borrow the money you will need to finance the purchase of a new home. However, bad credit comes in more than one flavor. Therefore, it is important to understand exactly what qualifications are needed to achieve a sufficient mortgage loan.

Defining Bad Credit

Your FICO credit score is a three-digit number between 800 and 300. It is determined by the Fair Isaac Corp. based on a complex formula. That formula takes several factors into account before producing your credit score number. Among the points assessed by a FICO credit score is your current repayment of existing loans and your history of late payments and defaults. Having a severe issue like bankruptcy or foreclosure on your record is especially detrimental to your ultimate score and they are the two issues most likely to create bad credit.

Home loans are given to people with all sorts of credit scores, however. There are simply additional factors and requirements that you will need to meet in order to qualify for the mortgage loan that you want.

FICO Scores and Mortgage Loans

When assessing a borrower based on his credit, lenders draw three distinct groups. The first is those with the best credit scores, basically anything above 650. As long as you have sufficient income, people with these high scores will qualify for a mortgage without a problem. Many lenders will even consider these individuals for 100% financing, eliminating the need for a down payment.

The next group (those whose FICO credit scores are between 600 and 650) will also likely qualify for a home loan with sufficient income. They may not be able to get 100% financing, however, unless they utilize the services of a subprime lender.

Those whose credit falls below 600 are in a different world altogether when it comes to home loan qualification. The option of receiving 100% financing is pretty much off the table for these individuals and subprime lenders are also a must. Basically, your only chance of finding a home loan with low credit scores that are below 600 is through lenders who specialize in bad credit home loans and saving up a large down payment.

Making Changes to Get a Home

If you are one of the many individuals who fall into the third category of lenders, all hope is not lost. Bad credit can be a barrier to getting a mortgage, but it is not impassable. There are distinct changes that you can make in order to increase your chances of getting a home loan in the near future. These changes are:

- Refinancing existing loans in order to consolidate payments and eliminate multiple debtors.

- Taking time to rebuild your credit after foreclosure or bankruptcy (basically, you need to wait 2-3 years before seeking another home loan).

- Budgeting carefully each month in order to save up for a large down payment (if you can present 10-20% you will be far more likely to qualify).

- Seeking credit counseling to help improve your FICO credit score.

There are plenty of options for those with bad credit that can make finding a home loan simpler and more hassle-free. Remember that time is your best friend when it comes to recovery following financial meltdowns such as bankruptcy and foreclosure, and that working with lenders who specialize in bad credit mortgage loans give you the best chance of receiving the financing you need

Wednesday, November 21, 2012

Gold And Cpi Do Matter

I was curious about the value of gold and America's CPI (Consumer Price Index). What relationships exists between the gold and the CPI. Year 1950 is the base year in which I purchased 34.72 dollars of CPI. From 1960 until 2010 I show what 34.72 is worth in that year's dollars. CPI inflation % shows the yearly increase from the base year. While CPI to gold shows what percent of one troy ounce of gold does CPI equal.

So I built the simple spreadsheet listed below.

--------CPI GOLD -CPI--------CPI to
Year VALUE VALUE Inflation% GOLD

2010 4.16 1,410.25 804.84% 22.28%
1960 .64 .27 22.81% 120.90%
1950 .72 .72 0.00% 0.00%

The value of gold stayed ahead of CPI inflation by double digit percentages. An exception being 1960 and 1970 where CPI exceeded the value of a troy ounce of gold. I pose a small question for my readers. Why does the 2010 cost of goods and services within the CPI cost 804.84% more since 1950? The dollar is a dollar. Has inflation taken its toll? Congress will tell me quick that the prices went up. Everything costs more now. After checking decades old newspapers I can see that prices were cheaper in 1950 than 2010. Everyone is aware of inflation but few understand deflation. This of course is my statement of fact and may be an assumption that I will regret.

Dictionary dot com says inflation is a persistent, substantial rise in the general level of prices related to an increase in the volume of money and resulting in the loss of value of dollars.

While deflation is a fall in the general price level or a contraction of credit and available dollars.

Disinflation is a period or process of slowing the rate of inflation.

My college economics teacher stressed that when government prints more money than the value of goods and services it is buying things on the cheap, gold would probably grow in value. The market place will naturally adjust to there being more dollars in circulation by revaluing prices upwards. A loaf of bread cost 1.10 dollars until the printing press produced X dollars more. Now that same loaf of bread cost 1.39 dollars. The value of my money shrunk by 29 cents.

If a government buys back some of it currency from the market place. Then prices fall to match the availability of fewer dollars.

With that said, a citizen has a simple decision to make. Find an asset that stores value recognized by others. Two recognized stores of value are silver and gold. Not paper certificates of deposit or currency. No, I mean physically owning gold or silver. Perhaps storing it in a bank deposit box. A bar of the gold or coins such as the American Buffaloes and Eagles, Canadian Maple Leafs, or South African Krugerrands can store value for you.

Americans haven't noticed how much currency one needs to carry in order to handle your daily spending. One reason is credit or debit cards equals not having to carry around bags of money just a slim plastic card.

I'm not on a rant about America falling. Any nation that treats its currency or debt like us has had rude awakenings. Germany, France and Great Britain should now know better from its recent experiences after World War II.

We need to take the credit / debit cards and check book away from our elected officials. They should only spend what they take in on taxes. Turn off the currency printing presses for a while. It would be nice to celebrate no governmental spending days. Sooner rather than later other governments are going to say, "I don't want to buy your debt! It's not worth anything."

Our politicians need to check into the Betty Ford's clinic for addiction treatment. Not for drugs or alcohol but our money!

Thursday, November 15, 2012

Sell Beats On Soundclick Easy As Pie

Don't over look the idea that learning how to sell beats on Soundclick is the most cost effective fast approach way to start selling beats online. If you're willing to sell beats at a low cost, like 0-0 per beat, then this is definitely going to be the game for you. If you are a professional and selling beats for that cheap is unappealing, you might be better of selling beats to record labels. The truth is, though, that record labels are hard to sell to and everybody and their mother is going after that one avenue.

If you want to sell beats online and get a kick start in the beat selling world, this website is definitely the place to start. It's smart, full of rappers and it has plenty of producers online who can help you get to where you want to be.The truth of the matter is, more people are trying to buy beats on websites such as Soundclick than any other venue in the world. This is because there are so many small-time rappers in the world who desperately want to make music and need beats.

You need to get into the right frame of mind if you expect to make some serious money selling beats online, though. You need to understand that exclusive sales aren't the only type, and in fact: online you should be going after non exclusive sales. This means that you can sell the beat over and over again without ever having to give up full ownership. Leasing for - per is a great way to make some change on the internet. Just remember that you need to reserve the right to re-sell until exclusives are sold.

Leveraging sales is probably the biggest way to make money off beats without doing a lot of extra work that you might not have been doing in the past. If you get somebody asking about your product, try to get them to upgrade every time, from whatever they may have wanted. If they ask for a lease, try to talk them into buying a more expensive lease plus, or semi-exclusive license. If they come to you asking for semi-exclusive rights, then try to talk them into buying exclusive rights. If somebody wants one beat, tell them they can buy 2, get 1 free. That may just double your profits every time you come across a sale!

You can use websites like MySpace, Twitter and Facebook to promote your Soundclick account in an attempt to make yourself rise in the Soundclick charts. Most people on Soundclick agree that it can definitely be a way for you to promote yourself effectively. I've got a huge fan base on that website, which will never die, and it's because of that which I'm able to continue making money even today selling beats. You can get some spot light from this site and once you have it, you'll be surprised how many people know your name world wide.

All of this is easier than you think, you just have to get into the mind set of a beat seller who is trying to make money as a professional. You can ball out on Soundclick easily as long as you know how to make it happen. You're not going to have a bad time selling beats if you understand what it's worth and you know how to gather fans. Just get an artist to work with you, rap over your beats and shout you out in the intro. Promote their songs...This will get you plenty of sales because as the artist's songs spread throughout the net, so does your name and your fame.

In conclusion, beat selling can be fun, easy and most of all: it can be a really good way to pay the bills. Do what you love and never try to work a job that you don't even like. The truth is, you can really make a lot of money using these websites, and you can click the links in the last paragraph to visit my website and learn more. Just join the free mailing list at least, or buy the products on SellBeatsNow.com to learn more quickly.

Monday, November 12, 2012

Cheap Ghost Writing Isn't Easy - But It's Worthwhile!

You might think that selling yourself short is a sure way to not be a success in the ghost writing field. And your eyes are probably dancing with the very large figures of money that you've heard ghost writers pull down, in yearly figures such as ,000 to 0,000, or amounts such as ,000 to ,000 per each book you write. You're a writer, you love to write, and you believe that this is the way to go when it comes to writing.

This is especially so when you've started to break into the field and you're a ghost writer -- or ghostwriter -- who has never really ghosted a book for someone else before. You're probably thinking big bucks, major book contracts, large amounts of cash advances from publishers and huge percentages from the books you will be anonymously writing for big time authors.

But let's face some facts. The first time writers, people with no time to invest in writing a book, and who may have fantastic stories to tell don't always have the enormous amount of financial capital available to hire any such cheap ghost writers. They simply don't have the money. They're bound to enter some psychological difficulties when they see that the payments to you are the whopper figures such as those listed above, and that those are the only sorts of prices accessible to them. By laying out such enormous fees, you could be stuck losing a huge customer base of clients with fantastic stories to tell -- but without the major wherewithal to pay you to tell them. What if, say, your potential author, the person hiring you to write his or her story, has only 00 or less to spend?

I know what I'm talking about, and I can create a decent work of cheap ghost writing in a month or so for that amount of money. You do that, and there's your ,000 per year! It really isn't all that hard.

Most other ghost writers I know are as capable of doing so as I am, but some of them do charge the higher amounts. The clients of the latter group tend to be people with enormous sales potential, not the typical first time authors who have a great story but often don't really go anywhere with it the so called sucker market.

It might be worthwhile to consider charging less, or negotiating a deal with such a first timer. Over the years, I have drawn the conclusion that there are an awful lot of such people out there. I have been ghost writing books for people for as low an amount as 00 per book, and as I have sources of income from other types of writing, I have been finding an immense amount of personal satisfaction from helping such would be authors actually obtain what they are looking for in a cheap ghost writer who charges a reasonable price for the quality and quantity of work done for them.

This works out to be less greedy on my part and more of a service that I provide for authors who are typically dreaming of getting their books on the top of the New York Times Bestseller lists. They often know that such are their dreams, not necessarily their realities. These are frequently people who have reached the ends of their ropes when it comes to negotiating a lower price for their books. They usually have nowhere else to turn when it comes to putting out their own personal stories, and they need someone with a willing ear and pen to listen and help them set down their tales before it's too late for them to be told. Also, some of these people simply don't know what they're doing and need a guiding hand to help them. They usually need their letters of query written up, their brief biographies put together, and their book proposals crafted. They are dipping their toes into the writing field and getting them wet for the very first time.

People like that don't need to face down what looks like to them to be a million dollar price tag when what they are looking for is describable as a cheap ghost writer. They want an actual inexpensive ghost writer or ghostwriter who understands their needs, both budgetary and otherwise. Someone capable needs to be able to sit down with them and negotiate a fairly low amount of money to be paid out by them, so they can figure on at least getting some kind of returns from their own books.

These potential authors are not Presidents of the United States or famous movie actors, whose books are guaranteed to sell. Many of them find themselves stuck with what used to be called vanity publishing, nowadays called self publishing. They won't necessarily find a commercial publisher who wants to take a chance on huge returns from their books in today's multifaceted but still challenging world of publishing.

These clients need literally cheap or inexpensive ghost writers. They don't need to spend a small fortune on their books to find out that they dead ended in a huge warehouse, didn't sell as widely as they thought they would, or they otherwise came out on the short end of the stick. They need good, cheap professional assistance and publishing help to face down today's Internet oriented book market, and multiple inexpensive ways to promote their books.

Help them. Consider bargaining and bartering at a lower price sometimes, and not at a higher price. It might be worth your while. Try it and see!

Sunday, November 11, 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 flow.....you decide.

This is what makes wholesaling Grrrrrrrrrreat!!!!

Nicholas "Yogi" Muller/ king-and-assoc.com

Tuesday, November 6, 2012

7 Car Insurance Alberta Tips For a First Time Driver

If you have a new car or are a first time driver, then we have a couple of car insurance Alberta tips for you. Owning your first car is definitely an exciting experience, but paying for it is certainly not. However, since you have to, this doesn't mean that you must pay a high premium. We will show you a few ways that you can reduce your monthly fees and enjoy your new ride for less.

One of the obvious tips is to simply shop around. All because your dad or friends get their insurance with a specific company, that means that you should too. There are many online websites which actually compare rates and packages of different companies so you can use this as a guideline to find a good company to get insured with.

If you purchase or apply for your premium online, you can get up to a 10% discount. Most companies offer this discount so you can save money by just using the internet! Another good way is to go through the Pass Plus exam after you've gotten your driving license. Many companies offer discounts for drivers who do Pass Plus, but not all do.

Another good idea is to buy a cheap first car that has a small engine. This can help you to get a lot of savings if you are a young driver as you will fall into a low insurance group. This can enable you to build up even more points once you're cautious on the road and have a good no claims bonus.

Many people are often tempted to modify their vehicles, but if you want to have a low rate, then you should try not to. The more modifications you have, the higher your rates will be. If you really want to do a few modifications, you should discuss this with an agent so that they can advise you on how much extra each one will cost. There are even some that don't change your rates, so make sure to find out if this is important to you.

Do you know that where you put your car to park can affect your rates? It is a fact that if you park in a closed garage or in a driveway that you will reduce it. However, if you have to park on the street, this will adversely increase how much you have to pay.

Another method of reducing how much you pay is to simply drive less. When you apply, the agent will ask you how many miles do you expect to drive per year. You should try to minimize how much you actually use your vehicle so that you have a low mileage. This can help you to get a reduced rate but make sure to estimate accurately and not lie.

Those were just a few guidelines for a new driver so that they can have much lower car insurance Alberta rates. Even though young drivers have to pay more than older and more experienced drivers, these tips can definitely help them to manage the extra expense.

Thursday, November 1, 2012

Develop MENA Equities by Kuwait Investment Bank

The recent crisis in some Arabic regions like Egypt, Libya, and some others have shaken the region, but currently most of the places have restored the situation as in Egypt, but in Libya, the situation is worsening and the resistance of the Libyans is standing tall against the air strikes by USA. Both of the countries fall under the MENA region and a huge investment has been through MENA equities in the countries which are situated in MENA region and it will be quite alarming for the investors who have their equities in Egypt and Libya in particular. But the other places are not affected as much as Libya alone, even Egypt has almost come of the crisis and the investment specialist can see it as productive one in the results of their MENA research.

What is MENA region exactly?

MENA is an abbreviated term and it stands for Middle East and North Africa'. Most of the Middle East regions are included in it along and most of them are oil rich countries along with some of the western countries as well. The overall population of these countries is 381 million and it totals about 6% of the whole world's population.

Some of the countries included in MENA region are Algeria, Bahrain, Djibouti, Egypt, Iran, Iraq, Israel, Jordan, Kuwait, Lebanon, Libya, Malta, Morocco, Oman, Qatar, Saudi Arabia, Syria, Tunisia, United Arab Emirates, Yemen, West Bank and Gaza.

Kuwait is also situated in this region which is itself an oil rich country and has ample of chances for growth and investment and one can Kuwait investment bank to make an investment for better results. The investment in financial sector is always boosting of you do it with the help of finance experts through some specialist investment bank.

In fact, there are 100% chances to bear a loss if you enter the field without expert knowledge, understanding and an insight of the finding the potential opportunities as you have to be very cautious and vigilant al the time to monitor and analyze the boosting factors as well as risk factors so that you can stay away from the harmful areas. You know finding about the risk factors is even more important than to get the productive aspects for the reason that you may not make a wrong move while you proceed to put your money in the market with the intention to increase it. The finance experts have this insight and research skills which help them to learn about the possible perils as well as positive aspects of the investment and build up the productive equities for you.

Kuwait investment bank employs the best finance specialist and their conducted MENA research lets is the results of laborious efforts made by them so that they can come up with the best possible opportunities of developing the useful MENA equities for their clients and they can make a positive, productive and longer sustaining relationship with the people who come to them as clients and take the benefit of the best financial investment advice.