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Find a Yahoo Domain Name
A Yahoo Domain Name is your first impression to the outside world. Get your own URL address on the internet for your yahoo web site or any web site. Having a Yahoo Domain Name builds trust and creates credibility on the web and if you are doing business on the web, a domain name is essential. Yahoo hosts more than 2.1 million domains worldwide ( 4th largest ) and has an uptrend growth of domain name registrations.
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Yahoo! Small Business is the easiest compared to other providers. Yahoo! runs a usability lab, where staffers track common problems in registering and selecting plan options and tweak the service accordingly. As you advance through the necessary steps to register and build a simple Yahoo Web Site, help is available on the screen at all times.
Once a Yahoo domain name has been registered, including extra additional services is easy. When you're ready to upgrade to a Custom Mailbox or add an email service or a Business Mail Account, it is a breeze. You can also add a Yahoo Web Hosting plan and build a Yahoo web site or a Small Business Merchant Solutions plan to build an online store.
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Sign Up for a Yahoo Domain Name - $3.95/year
Yahoo! Small Business is the easiest compared to other providers. Yahoo! runs a usability lab, where staffers track common problems in registering and selecting plan options and tweak the service accordingly. As you advance through the necessary steps to register and build a simple Yahoo Web Site, help is available on the screen at all times.
Once a Yahoo domain name has been registered, including extra additional services is easy. When you're ready to upgrade to a Custom Mailbox or add an email service or a Business Mail Account, it is a breeze. You can also add a Yahoo Web Hosting plan and build a Yahoo web site or a Small Business Merchant Solutions plan to build an online store.
Domain Name Yahoo
So you want to have your own website. The 1st thing you need to do is get a Domain Name Yahoo. Registering one is a very easy thing to do. As long as you know where to get one and you understand the basic terms.
So what is a Yahoo Domain Name?
Domain Names are simply just cool, word based shortcuts to a website. Every Domain Name Yahoo on the internet has a bunch of numbers behind it, that makes it actually work. Domain Names can cost as much as $35 dollars a year, but you can get one for much less than the cost of a burger! I like to get my Domain Names at Yahoo. You cant beat $1.99!
So what is a Yahoo Domain Name?
Domain Names are simply just cool, word based shortcuts to a website. Every Domain Name Yahoo on the internet has a bunch of numbers behind it, that makes it actually work. Domain Names can cost as much as $35 dollars a year, but you can get one for much less than the cost of a burger! I like to get my Domain Names at Yahoo. You cant beat $1.99!
A Guide to American Mesothelioma Charities and Foundations
A Guide to American Mesothelioma Charities and Foundations
Compared to breast cancer, leukemia, colon cancer or lymphoma, mesothelioma is not a very well-known cancer. Since it is so rare, few people have heard of it, let alone known someone who has been diagnosed with it. Yet for those who have been diagnosed with mesothelioma, it doesn’t much matter how unusual a cancer it is—it’s still affecting them and their families with the same fear, anger, confusion and pain that accompany any kind of cancer diagnosis.
Nevertheless, mesothelioma research dollars are limited, in part because of the disease’s relatively low profile. This is particularly unfortunate because detecting mesothelioma early is absolutely critical to the effective treatment of this disease. Caused by the inhalation of asbestos fibers, mesothelioma is a cancer which targets the membranes surrounding the lung and lining the chest cavity. One of its unfortunate hallmarks is that it can develop undetected within the body, since its symptoms are often mild and similar to those of other respiratory conditions. By the time the individual has experienced serious enough symptoms to warrant medical attention, the mesothelioma may have already progressed to an advanced stage—and have become virtually untreatable. The best chances for successfully treating mesothelioma come at the earliest stages, but most patients do not catch the cancer that quickly.
Research into new ways to detect and treat mesothelioma is ongoing, and you can help, by getting involved in a mesothelioma charity. Whether you volunteer or make financial contributions, your help will be greatly appreciated by those who are affected with this difficult disease, and by the people who love them.
Mesothelioma Applied Research Foundation is a national organization which provides assistance for mesothelioma patients, an advocacy initiative, education for both patients and care providers, and a research and science branch. MARF has awarded almost $6 million in grant funding, and continues to support the search for more effective treatments as well as a cure.
The Cancer Fund of America is a non-profit organization which helps assist patients, hospice facilities and non-profit healthcare providers by sending them necessary items free of charge. These items may include such things as vitamins and nutritional supplements, adult diapers, exam gloves, lotions and ointments, food and gift boxes, clothing, and hygiene items.
The LUNGevity Foundation is a relative newcomer on the charity scene, but since 2000 when it was formed, the foundation has co-funded more than $5 million in lung cancer research projects. It was named the fastest growing United States charity in 2009 by Charity Navigator. Its mission is to save lives and ease the burden of lung cancer on both patients and families, through funding promising medical research and through creating a community of emotional support for those affected by lung cancer.
A nationwide collaborative of 20 Catholic health organizations, Supportive Care Coalition aids patients of terminal cancers like mesothelioma by providing help for their physical, emotional and spiritual needs. It is also an advocacy group which strives to address social and cultural policy changes that affect cancer victims.
The Gateway for Cancer Research, unlike many other charities, only funds research initiatives, and does not provide patient support, outreach or educational programs. It is a not-for-profit organization that aims to fund innovative and life-changing clinical studies in order to accelerate new treatment options.
Compared to breast cancer, leukemia, colon cancer or lymphoma, mesothelioma is not a very well-known cancer. Since it is so rare, few people have heard of it, let alone known someone who has been diagnosed with it. Yet for those who have been diagnosed with mesothelioma, it doesn’t much matter how unusual a cancer it is—it’s still affecting them and their families with the same fear, anger, confusion and pain that accompany any kind of cancer diagnosis.
Nevertheless, mesothelioma research dollars are limited, in part because of the disease’s relatively low profile. This is particularly unfortunate because detecting mesothelioma early is absolutely critical to the effective treatment of this disease. Caused by the inhalation of asbestos fibers, mesothelioma is a cancer which targets the membranes surrounding the lung and lining the chest cavity. One of its unfortunate hallmarks is that it can develop undetected within the body, since its symptoms are often mild and similar to those of other respiratory conditions. By the time the individual has experienced serious enough symptoms to warrant medical attention, the mesothelioma may have already progressed to an advanced stage—and have become virtually untreatable. The best chances for successfully treating mesothelioma come at the earliest stages, but most patients do not catch the cancer that quickly.
Research into new ways to detect and treat mesothelioma is ongoing, and you can help, by getting involved in a mesothelioma charity. Whether you volunteer or make financial contributions, your help will be greatly appreciated by those who are affected with this difficult disease, and by the people who love them.
Mesothelioma Applied Research Foundation is a national organization which provides assistance for mesothelioma patients, an advocacy initiative, education for both patients and care providers, and a research and science branch. MARF has awarded almost $6 million in grant funding, and continues to support the search for more effective treatments as well as a cure.
The Cancer Fund of America is a non-profit organization which helps assist patients, hospice facilities and non-profit healthcare providers by sending them necessary items free of charge. These items may include such things as vitamins and nutritional supplements, adult diapers, exam gloves, lotions and ointments, food and gift boxes, clothing, and hygiene items.
The LUNGevity Foundation is a relative newcomer on the charity scene, but since 2000 when it was formed, the foundation has co-funded more than $5 million in lung cancer research projects. It was named the fastest growing United States charity in 2009 by Charity Navigator. Its mission is to save lives and ease the burden of lung cancer on both patients and families, through funding promising medical research and through creating a community of emotional support for those affected by lung cancer.
A nationwide collaborative of 20 Catholic health organizations, Supportive Care Coalition aids patients of terminal cancers like mesothelioma by providing help for their physical, emotional and spiritual needs. It is also an advocacy group which strives to address social and cultural policy changes that affect cancer victims.
The Gateway for Cancer Research, unlike many other charities, only funds research initiatives, and does not provide patient support, outreach or educational programs. It is a not-for-profit organization that aims to fund innovative and life-changing clinical studies in order to accelerate new treatment options.
Clinical Signs of Mesothelioma
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Mesothelioma Symptoms, Causes, and Treatment ›
Mesothelioma General Information ›
Clinical Signs of Mesothelioma
Clinical Signs of Mesothelioma
Mesothelioma is a rare type of asbestos cancer that affects the mesothelium, a membrane that covers many of the body's internal organs, such as the heart and lungs. There are several known causes for mesothelioma, including exposure to asbestos, exposure to mineral called Zeolite, and exposure to thorium dioxide (which was formerly used in performing certain types of x-rays). By far, the most common cause of mesothelioma is exposure to asbestos, a term which refers to a group of six naturally occurring minerals. Asbestos was widely used in industrial and construction processes, and in the production of many common household products, from the late 1800s through the late 20th Century. Its use in the United States was largely banned by the Environmental Protection Agency in 1989.
Asbestos is dangerous because its fibers can become embedded in tissue and, many years later, lead to cancer. Mesothelioma can develop anywhere from 15 to 50 years after the initial asbestos exposure occurs. Those who were exposed to asbestos or feel that they are at risk for developing mesothelioma are urged to closely monitor their health for any signs or symptoms of mesothelioma, or other respiratory conditions that can result from exposure.
Types of Mesothelioma Mesothelioma occurs in several parts of the body: pleural mesothelioma, which affects the lining of the chest wall; peritoneal mesothelioma, which affects the lining of the abdomen; pericardial mesothelioma, which affects the sac surrounding the heart; and the rarest form, tunica vaginalis mesothelioma, which affects the tissue surrounding the testes in males. It is helpful to understand the different parts of the body that can be affected by mesothelioma in order to better understand the disease's symptoms.
Unfortunately, the earliest mesothelioma symptoms are often ignored because they feel like common or minor health issues. In fact, it is not uncommon for an individual to experience symptoms for up to three months before seeking treatment and being diagnosed with mesothelioma.
Pleural mesothelioma is the most common form of the diseases. Lower back pain and/or discomfort in the side of the chest are very common early symptoms of this type of malignant mesothelioma. Some people may experience cough, sweating, fever, exhaustion, weight loss and difficulty swallowing. People may also cough up blood and experience swelling of the face and arms, hoarseness, and weakness.
Symptoms of peritoneal mesothelioma are pain or discomfort in the abdomen, vomiting, nausea and weight loss. Fluid may build up in the abdomen, or a mass may be detected (1).
The less common forms of mesothelioma—pericardial mesothelioma and tunica vaginalis mesothelioma—are harder to detect. In fact, tunica vaginalis mesothelioma is often misdiagnosed as a hernia, and not detected as cancer until the corrective surgical procedure is performed.
It is strongly recommended that individuals seek medical attention as soon as symptoms are detected. Once an individual sees a doctor, a series of tests will be performed to determine the cause of the symptoms. The first step in this process is conducting a thorough medical history to identify risks and to document all symptoms. People will be asked questions about their work history and their family's medical history.
Pleural Effusion Those who have mesothelioma often develop fluid in the affected area. In the lungs, such fluid buildup is called pleural effusion. In the abdomen, it is called ascites, and in the pericardium, it is called pericardial effusion. A physician will be able to diagnose fluid buildup when an exam is conducted, or through the use of diagnostic imaging. If there is fluid buildup, a sample of this fluid may be taken to test it for the presence of cancerous cells, and then to determine the type of cancer cells. This procedure is called an aspiration.
Imaging, such as an x-ray, Computed Tomography (CT) scan, Positron Emission Tomography (PET) scan, or Magnetic Resonance Imaging (MRI) scan, is often performed during the diagnostic process. These imaging techniques allow physicians to determine the size and location of the cancer, and if and where it has spread, or metastasized. If a tumor is detected through imaging, tissue samples may also be taken using a procedure called a thoracoscopy, a bronchoscopy, or a mediastinoscopy, depending on the location of the tumor.
Chest x-rays can help physicians detect the effects of asbestos exposure, but this is not considered a way to detect mesothelioma. Research is currently being conducted into a blood test that assesses the amount of osteopontin in the blood Osteopontin is a protein that occurs in higher levels in people whose lungs have been damaged by asbestos. Once a person develops mesothelioma, levels of this protein are even higher (2).
When a diagnosis of mesothelioma occurs, the next step is for a physician to “stage” the disease to classify the area(s) of the body that are affected and how advanced the cancer is. There are several staging systems that are used, including the Butchart System, the TNM System and the Brigham System (3).
Next, the patient will work with his/her physician to determine the type of mesothelioma treatment that will be pursued. The most common forms of treatment are chemotherapy, surgery, radiation, experimental therapies such as immunotherapy, or some combination of the above. Some individuals also choose to pursue holistic therapies related to changes in diet and breathing and movement techniques. Factors such as age, weight, general health and a patient's wishes will determine the course of treatment.
Mesothelioma Survival Rate Depending on the type of mesothelioma and whether or not it has spread beyond the primary site, treatments may be used to slow the progress or growth of the disease and/or to alleviate symptoms such as shortness of breath. Treatments are not considered curative (that is, they do not get rid of the cancer permanently), but they may extend an individual's lifespan for up to several years, and some individuals have lived with mesothelioma for many years.
Patient advocacy groups, such as the American Cancer Society, recommend that individuals and their families, or support systems, take time to learn more about the disease and the range of treatment options before deciding on a treatment path.
Mesothelioma Symptoms, Causes, and Treatment ›
Mesothelioma General Information ›
Clinical Signs of Mesothelioma
Clinical Signs of Mesothelioma
Mesothelioma is a rare type of asbestos cancer that affects the mesothelium, a membrane that covers many of the body's internal organs, such as the heart and lungs. There are several known causes for mesothelioma, including exposure to asbestos, exposure to mineral called Zeolite, and exposure to thorium dioxide (which was formerly used in performing certain types of x-rays). By far, the most common cause of mesothelioma is exposure to asbestos, a term which refers to a group of six naturally occurring minerals. Asbestos was widely used in industrial and construction processes, and in the production of many common household products, from the late 1800s through the late 20th Century. Its use in the United States was largely banned by the Environmental Protection Agency in 1989.
Asbestos is dangerous because its fibers can become embedded in tissue and, many years later, lead to cancer. Mesothelioma can develop anywhere from 15 to 50 years after the initial asbestos exposure occurs. Those who were exposed to asbestos or feel that they are at risk for developing mesothelioma are urged to closely monitor their health for any signs or symptoms of mesothelioma, or other respiratory conditions that can result from exposure.
Types of Mesothelioma Mesothelioma occurs in several parts of the body: pleural mesothelioma, which affects the lining of the chest wall; peritoneal mesothelioma, which affects the lining of the abdomen; pericardial mesothelioma, which affects the sac surrounding the heart; and the rarest form, tunica vaginalis mesothelioma, which affects the tissue surrounding the testes in males. It is helpful to understand the different parts of the body that can be affected by mesothelioma in order to better understand the disease's symptoms.
Unfortunately, the earliest mesothelioma symptoms are often ignored because they feel like common or minor health issues. In fact, it is not uncommon for an individual to experience symptoms for up to three months before seeking treatment and being diagnosed with mesothelioma.
Pleural mesothelioma is the most common form of the diseases. Lower back pain and/or discomfort in the side of the chest are very common early symptoms of this type of malignant mesothelioma. Some people may experience cough, sweating, fever, exhaustion, weight loss and difficulty swallowing. People may also cough up blood and experience swelling of the face and arms, hoarseness, and weakness.
Symptoms of peritoneal mesothelioma are pain or discomfort in the abdomen, vomiting, nausea and weight loss. Fluid may build up in the abdomen, or a mass may be detected (1).
The less common forms of mesothelioma—pericardial mesothelioma and tunica vaginalis mesothelioma—are harder to detect. In fact, tunica vaginalis mesothelioma is often misdiagnosed as a hernia, and not detected as cancer until the corrective surgical procedure is performed.
It is strongly recommended that individuals seek medical attention as soon as symptoms are detected. Once an individual sees a doctor, a series of tests will be performed to determine the cause of the symptoms. The first step in this process is conducting a thorough medical history to identify risks and to document all symptoms. People will be asked questions about their work history and their family's medical history.
Pleural Effusion Those who have mesothelioma often develop fluid in the affected area. In the lungs, such fluid buildup is called pleural effusion. In the abdomen, it is called ascites, and in the pericardium, it is called pericardial effusion. A physician will be able to diagnose fluid buildup when an exam is conducted, or through the use of diagnostic imaging. If there is fluid buildup, a sample of this fluid may be taken to test it for the presence of cancerous cells, and then to determine the type of cancer cells. This procedure is called an aspiration.
Imaging, such as an x-ray, Computed Tomography (CT) scan, Positron Emission Tomography (PET) scan, or Magnetic Resonance Imaging (MRI) scan, is often performed during the diagnostic process. These imaging techniques allow physicians to determine the size and location of the cancer, and if and where it has spread, or metastasized. If a tumor is detected through imaging, tissue samples may also be taken using a procedure called a thoracoscopy, a bronchoscopy, or a mediastinoscopy, depending on the location of the tumor.
Chest x-rays can help physicians detect the effects of asbestos exposure, but this is not considered a way to detect mesothelioma. Research is currently being conducted into a blood test that assesses the amount of osteopontin in the blood Osteopontin is a protein that occurs in higher levels in people whose lungs have been damaged by asbestos. Once a person develops mesothelioma, levels of this protein are even higher (2).
When a diagnosis of mesothelioma occurs, the next step is for a physician to “stage” the disease to classify the area(s) of the body that are affected and how advanced the cancer is. There are several staging systems that are used, including the Butchart System, the TNM System and the Brigham System (3).
Next, the patient will work with his/her physician to determine the type of mesothelioma treatment that will be pursued. The most common forms of treatment are chemotherapy, surgery, radiation, experimental therapies such as immunotherapy, or some combination of the above. Some individuals also choose to pursue holistic therapies related to changes in diet and breathing and movement techniques. Factors such as age, weight, general health and a patient's wishes will determine the course of treatment.
Mesothelioma Survival Rate Depending on the type of mesothelioma and whether or not it has spread beyond the primary site, treatments may be used to slow the progress or growth of the disease and/or to alleviate symptoms such as shortness of breath. Treatments are not considered curative (that is, they do not get rid of the cancer permanently), but they may extend an individual's lifespan for up to several years, and some individuals have lived with mesothelioma for many years.
Patient advocacy groups, such as the American Cancer Society, recommend that individuals and their families, or support systems, take time to learn more about the disease and the range of treatment options before deciding on a treatment path.
Peritoneal Mesothelioma
Peritoneal mesothelioma is a rare form of asbestos cancer that is extremely difficult to diagnose and treat, and which in most cases, leads to death.
Peritoneal mesothelioma is a type of cancer that affects the lining of the abdomen. This lining is called the peritoneum and is responsible for covering and supporting the organs housed in the abdominal cavity, and also for secreting fluid that allows these organs to move against each other smoothly. Peritoneal mesothelioma is a cancer of the cells in this lining which causes fluid secretion, which leads to abdominal swelling. The peritoneal mesothelioma tumor also kills the healthy cells in the abdominal cavity and encourages the growth of abnormal cells that can spread to other parts of the body.
Asbestos Fibers at 650X Magnification The only known cause of peritoneal mesothelioma is a history of asbestos exposure. This type of cancer is caused by the settlement of microscopic asbestos particles in the abdominal lining. It is currently proven that materials containing asbestos can release fine particles, also called asbestos dust, when undergoing installation, repair, maintenance, or destruction. What is not completely understood is how this asbestos dust becomes lodged in the abdominal lining.
One theory is that the particles are inhaled and then transported through the blood stream or lymphatic system to the abdominal cavity. However, the most widely accepted theory is that the asbestos dust settles on the food items that are ingested by workers at lunch or carried home on the clothing of workers and allowed to settle in the kitchen where other meals are prepared. In this theory the asbestos fibers are ingested along with the food and allowed to settle in the stomach. Over a long period of time these fibers move from the stomach to the peritoneum where they cause chronic inflammation that eventually leads to the development of cancer.
After exposure to asbestos, peritoneal mesothelioma can take up to 30 years to produce symptoms, but the period between diagnosis and death is shortest for this type of cancer. Peritoneal mesothelioma is just one type of cancer caused by asbestos, and it is extremely rare, comprising just one third of all mesothelioma cases.
In the early stages of the disease, where the fibers are moving into the peritoneum, there are no noticeable mesothelioma symptoms. However, once the inflammation begins, the first noticeable symptom is usually abdominal pain. Since abdominal pain can be associated with a number of different viruses, infections, and stomach ailments, many sufferers do not immediately seek medical attention for their symptoms.
Mesothelioma Symptoms As the disease progresses, affected individuals will notice symptoms such as abdominal swelling (due to excess fluid retention), weight loss (even though the size or girth of the waist may be increasing), nausea, vomiting, breathing difficulties, loss of appetite, and weakness. In later stages, symptoms such as bowel obstruction, fever, anemia, and new-onset hernia may present.
It is usually after the individual has dealt with a number of these symptoms for a peiod of months that they finally seek medical attention in the belief that they are suffering from a more usual type of digestive problem such as gallstones or hernia.
A peritoneal mesothelioma diagnosis is difficult at best. After confirming a history of asbestos exposure the doctor will run numerous tests to confirm or deny the suspicion of peritoneal mesothelioma. The first of these tests usually involve imaging of the suspected site. Traditional x-rays can be used to check the abdominal cavity for suspicious growths but MRIs and CT scans will offer a more detailed view.
After determining the location of the suspected mesothelioma most doctors will order a tissue biopsy to ultimately confirm the diagnosis of cancer. For the biopsy a small needle is inserted into the abdominal mass and a sample of the abnormal tissue is removed. This tissue is analyzed and a positive immunostain for calretinin confirms an accurate diagnosis of peritoneal mesothelioma.
Mesothelioma Staging With most other cases of malignant mesothelioma a staging system is used after diagnosis to determine the progress of the disease and the most effective treatment options. However, there is currently not an established staging system available for use with peritoneal mesothelioma. Some doctors may choose to stage the disease under the guidelines of the TNM staging system, but most physicians skip this process and move immediately to a mesothelioma treatment regimen.
With current medical options peritoneal mesothelioma treatment is often unsatisfactory. Surgical removal of the tumor has not been proven to prolong survival rates, radiation therapy used alone does not eradicate the tumor, and chemotherapy has proven ineffective in most patients.
Radiation Therapy The most promising options for treatment involve a multimodality approach. In this method radiation therapy is aimed at the tumor to reduce the size and kill the cancerous cells. This procedure results in pain relief and a decrease in abdominal swelling. Chemotherapy is then used via insertion directly into abdomen to further shrink the size of the tumor. Finally surgery is utilized to remove all, or almost all, of the visible tumor. In most cases surgery is then followed by postoperative chemotherapy.
If the cancer is diagnosed in the earliest stages the above treatment can be used to completely eradicate the tumor. However, the actual goal of any type of peritoneal mesothelioma treatment is not usually a total cure. Rather, since the tumor is most often diagnosed in its later stages, the main treatment goal is pain management, symptom relief, and an improvement in the quality of life of the patient.
In order to change the success rate of peritoneal mesothelioma treatment clinical trials and intensive research are currently focused on finding a cure for this deadly type of cancer and at increasing the time period between diagnosis and death.
With current medical science and technology, the only way to increase the chance of a cure lies in early detection. Individuals with a history of asbestos exposure are urged to schedule regular medical physicals and inform their doctors of the asbestos exposure and mesothelioma risk. With future discoveries lies a hope that the diagnosis technology will improve and early detection will be easier and more accurate.
Peritoneal mesothelioma is a type of cancer that affects the lining of the abdomen. This lining is called the peritoneum and is responsible for covering and supporting the organs housed in the abdominal cavity, and also for secreting fluid that allows these organs to move against each other smoothly. Peritoneal mesothelioma is a cancer of the cells in this lining which causes fluid secretion, which leads to abdominal swelling. The peritoneal mesothelioma tumor also kills the healthy cells in the abdominal cavity and encourages the growth of abnormal cells that can spread to other parts of the body.
Asbestos Fibers at 650X Magnification The only known cause of peritoneal mesothelioma is a history of asbestos exposure. This type of cancer is caused by the settlement of microscopic asbestos particles in the abdominal lining. It is currently proven that materials containing asbestos can release fine particles, also called asbestos dust, when undergoing installation, repair, maintenance, or destruction. What is not completely understood is how this asbestos dust becomes lodged in the abdominal lining.
One theory is that the particles are inhaled and then transported through the blood stream or lymphatic system to the abdominal cavity. However, the most widely accepted theory is that the asbestos dust settles on the food items that are ingested by workers at lunch or carried home on the clothing of workers and allowed to settle in the kitchen where other meals are prepared. In this theory the asbestos fibers are ingested along with the food and allowed to settle in the stomach. Over a long period of time these fibers move from the stomach to the peritoneum where they cause chronic inflammation that eventually leads to the development of cancer.
After exposure to asbestos, peritoneal mesothelioma can take up to 30 years to produce symptoms, but the period between diagnosis and death is shortest for this type of cancer. Peritoneal mesothelioma is just one type of cancer caused by asbestos, and it is extremely rare, comprising just one third of all mesothelioma cases.
In the early stages of the disease, where the fibers are moving into the peritoneum, there are no noticeable mesothelioma symptoms. However, once the inflammation begins, the first noticeable symptom is usually abdominal pain. Since abdominal pain can be associated with a number of different viruses, infections, and stomach ailments, many sufferers do not immediately seek medical attention for their symptoms.
Mesothelioma Symptoms As the disease progresses, affected individuals will notice symptoms such as abdominal swelling (due to excess fluid retention), weight loss (even though the size or girth of the waist may be increasing), nausea, vomiting, breathing difficulties, loss of appetite, and weakness. In later stages, symptoms such as bowel obstruction, fever, anemia, and new-onset hernia may present.
It is usually after the individual has dealt with a number of these symptoms for a peiod of months that they finally seek medical attention in the belief that they are suffering from a more usual type of digestive problem such as gallstones or hernia.
A peritoneal mesothelioma diagnosis is difficult at best. After confirming a history of asbestos exposure the doctor will run numerous tests to confirm or deny the suspicion of peritoneal mesothelioma. The first of these tests usually involve imaging of the suspected site. Traditional x-rays can be used to check the abdominal cavity for suspicious growths but MRIs and CT scans will offer a more detailed view.
After determining the location of the suspected mesothelioma most doctors will order a tissue biopsy to ultimately confirm the diagnosis of cancer. For the biopsy a small needle is inserted into the abdominal mass and a sample of the abnormal tissue is removed. This tissue is analyzed and a positive immunostain for calretinin confirms an accurate diagnosis of peritoneal mesothelioma.
Mesothelioma Staging With most other cases of malignant mesothelioma a staging system is used after diagnosis to determine the progress of the disease and the most effective treatment options. However, there is currently not an established staging system available for use with peritoneal mesothelioma. Some doctors may choose to stage the disease under the guidelines of the TNM staging system, but most physicians skip this process and move immediately to a mesothelioma treatment regimen.
With current medical options peritoneal mesothelioma treatment is often unsatisfactory. Surgical removal of the tumor has not been proven to prolong survival rates, radiation therapy used alone does not eradicate the tumor, and chemotherapy has proven ineffective in most patients.
Radiation Therapy The most promising options for treatment involve a multimodality approach. In this method radiation therapy is aimed at the tumor to reduce the size and kill the cancerous cells. This procedure results in pain relief and a decrease in abdominal swelling. Chemotherapy is then used via insertion directly into abdomen to further shrink the size of the tumor. Finally surgery is utilized to remove all, or almost all, of the visible tumor. In most cases surgery is then followed by postoperative chemotherapy.
If the cancer is diagnosed in the earliest stages the above treatment can be used to completely eradicate the tumor. However, the actual goal of any type of peritoneal mesothelioma treatment is not usually a total cure. Rather, since the tumor is most often diagnosed in its later stages, the main treatment goal is pain management, symptom relief, and an improvement in the quality of life of the patient.
In order to change the success rate of peritoneal mesothelioma treatment clinical trials and intensive research are currently focused on finding a cure for this deadly type of cancer and at increasing the time period between diagnosis and death.
With current medical science and technology, the only way to increase the chance of a cure lies in early detection. Individuals with a history of asbestos exposure are urged to schedule regular medical physicals and inform their doctors of the asbestos exposure and mesothelioma risk. With future discoveries lies a hope that the diagnosis technology will improve and early detection will be easier and more accurate.
Hair laser removal Washington DC
Everyone likes to have a beautiful body. A smooth and glowing skin is always a treat to watch. And if you long to have such a look, lot of beautification therapies are available in market. The first step in such a treatment is obviously, getting rid of unwanted hairs on your body. Hair laser removal is one of the very effective remedies for hair removal. Unwanted hairs from upper lip, chin, legs, underarms, bikini area, chest, neck, etc. can be very effectively removed by this technique.
How it works?
Several specialists are available in professional centers of Washington DC to carry out such therapies. It is very important to understand that each person has a different skin type and the treatment varies accordingly. In a typical laser hair removal technique, the dermatologist moves the laser beam over the targeted area. The hair follicle absorbs the light from the laser beam. As the follicles are subjected to more light, they die and hence the hair growth is automatically stopped. The treatment has shown excellent results for all complexions. Also, it works equally well on men and women.
The problem of ingrown hairs can be solved by Laser hair removal . Laser hair removal directly targets the root cause of the problem and hence came up as the most effective technique for removing ingrown hairs. But a word of caution, the therapy is not suitable for all. Hence it is always better to take expert advice before undergoing any such treatment. The treatment takes several sessions before you can see the actual results. On the negative side, the treatment has its own side effects as well.
The typical side effects include redness and swollen skin at the targeted area. Generally ice packs and anti inflammatory drugs work well in case of such side effects. In some cases, the side effects can be even severe. The worst cases have shown brown or white patches, blistering of skin or severe peeling. But it was seen in very few cases. In case of such symptoms, one should immediately consult the doctor. As far as the cost of such treatment is concerned, it varies in each case. The cost typically changes with skin type. Also, every specialist has his own criterion while deciding his fees.
Overview:
Laser hair removal technique goes a long way in beautifying your skin. Numbers of specialists are available in Washington DC who carrying out such treatment. The treatment varies with every skin type. Typical hair removal technique includes targeting laser beam on the desired area. It works equally well for men and women. The treatment can work well for ingrown hairs as well. It is important to be aware of the side effects emerging out of this technique. Side effects may include redness, swollen skin, brown or white patches, blistering of skin or severe peeling. The side effects can be treated with ice packs or anti inflammatory drugs. If the symptoms persist, one must consult the specialist. So, it is a good idea to get laser hair removal technique done but not before consulting the specialist and deciding the right treatment for your skin type.
How it works?
Several specialists are available in professional centers of Washington DC to carry out such therapies. It is very important to understand that each person has a different skin type and the treatment varies accordingly. In a typical laser hair removal technique, the dermatologist moves the laser beam over the targeted area. The hair follicle absorbs the light from the laser beam. As the follicles are subjected to more light, they die and hence the hair growth is automatically stopped. The treatment has shown excellent results for all complexions. Also, it works equally well on men and women.
The problem of ingrown hairs can be solved by Laser hair removal . Laser hair removal directly targets the root cause of the problem and hence came up as the most effective technique for removing ingrown hairs. But a word of caution, the therapy is not suitable for all. Hence it is always better to take expert advice before undergoing any such treatment. The treatment takes several sessions before you can see the actual results. On the negative side, the treatment has its own side effects as well.
The typical side effects include redness and swollen skin at the targeted area. Generally ice packs and anti inflammatory drugs work well in case of such side effects. In some cases, the side effects can be even severe. The worst cases have shown brown or white patches, blistering of skin or severe peeling. But it was seen in very few cases. In case of such symptoms, one should immediately consult the doctor. As far as the cost of such treatment is concerned, it varies in each case. The cost typically changes with skin type. Also, every specialist has his own criterion while deciding his fees.
Overview:
Laser hair removal technique goes a long way in beautifying your skin. Numbers of specialists are available in Washington DC who carrying out such treatment. The treatment varies with every skin type. Typical hair removal technique includes targeting laser beam on the desired area. It works equally well for men and women. The treatment can work well for ingrown hairs as well. It is important to be aware of the side effects emerging out of this technique. Side effects may include redness, swollen skin, brown or white patches, blistering of skin or severe peeling. The side effects can be treated with ice packs or anti inflammatory drugs. If the symptoms persist, one must consult the specialist. So, it is a good idea to get laser hair removal technique done but not before consulting the specialist and deciding the right treatment for your skin type.
Laser Hair Removal DC
Laser Hair Removal in DC is a revolutionary new aesthetic procedure that is in very high demand. Whether coming from Virginia, Maryland or right from downtown Washington DC, one of our area clinics can help you with all your unwanted hair needs. No matter your concerns, our centers are always up-to-date and constantly advancing their lasers and procedures in order to provide patients with the best experience and results possible. Laser Hair Removal is the fastest and most effective way to achieve permanent hair reduction out there, so why not give it a try?
Laser Hair Removal DCWhile Laser Hair Removal in DC effectively accomplishes permanent hair reduction, it cannot claim to remove 100% of hair permanently. Electrolysis is the other form of permanent hair removal available to consumers and is often used in conjunction with laser for even better results. On its own, electrolysis is a long and sometimes painful method of hair removal. This treatment involves treating each hair follicle individually for effective results. While electrolysis can be a lengthy and painstaking process on its own when used in conjunction with laser treatments, patients can see 100% hair removal results. Speak with an area DC clinic about the benefits of electrolysis and laser hair removal combined.
Not sure how Laser Hair Removal in DC works? What happens is the laser passes over your skin. As it does this, the light is absorbed by the pigments in your hair follicles. After this occurs for about two months, as your hair goes through its natural growth cycle, the unwanted hair will start to fall out. This pain caused by this procedure is very tolerable, and is similar to snapping a rubber band against your skin. It effectively reduces and may even permanently remove hair but unfortunately, it does not work for everyone. For people who have gray, white, red, or blonde hair, the laser cannot see these colors and therefore can’t remove the hair. You will have to resort to an alternative such as waxing or trimming. But if you are an individual with dark hair, then this is the perfect procedure for you!
A recent development has increased the pool of eligibility for this procedure. This process is now open to those people with tanned or dark skin as well as those with light skin. As long and the hair is a dark color, such as brown or black, then Laser Hair Removal is a great procedure for you.
Our area DC centers will be able to give you all the information that you could ever need about Laser Hair Removal, how it works, etc. The staff can take you through all the steps involved with the procedures and they’ll also show you where it will happen and the laser that would be used. As this is happening they also encourage you to share any questions or feedback you may have. Help us to help you find the right procedure for you! Call any of our centers today for your confidential and free consultation.
Laser Hair Removal DCWhile Laser Hair Removal in DC effectively accomplishes permanent hair reduction, it cannot claim to remove 100% of hair permanently. Electrolysis is the other form of permanent hair removal available to consumers and is often used in conjunction with laser for even better results. On its own, electrolysis is a long and sometimes painful method of hair removal. This treatment involves treating each hair follicle individually for effective results. While electrolysis can be a lengthy and painstaking process on its own when used in conjunction with laser treatments, patients can see 100% hair removal results. Speak with an area DC clinic about the benefits of electrolysis and laser hair removal combined.
Not sure how Laser Hair Removal in DC works? What happens is the laser passes over your skin. As it does this, the light is absorbed by the pigments in your hair follicles. After this occurs for about two months, as your hair goes through its natural growth cycle, the unwanted hair will start to fall out. This pain caused by this procedure is very tolerable, and is similar to snapping a rubber band against your skin. It effectively reduces and may even permanently remove hair but unfortunately, it does not work for everyone. For people who have gray, white, red, or blonde hair, the laser cannot see these colors and therefore can’t remove the hair. You will have to resort to an alternative such as waxing or trimming. But if you are an individual with dark hair, then this is the perfect procedure for you!
A recent development has increased the pool of eligibility for this procedure. This process is now open to those people with tanned or dark skin as well as those with light skin. As long and the hair is a dark color, such as brown or black, then Laser Hair Removal is a great procedure for you.
Our area DC centers will be able to give you all the information that you could ever need about Laser Hair Removal, how it works, etc. The staff can take you through all the steps involved with the procedures and they’ll also show you where it will happen and the laser that would be used. As this is happening they also encourage you to share any questions or feedback you may have. Help us to help you find the right procedure for you! Call any of our centers today for your confidential and free consultation.
Washington D.C. Laser Hair Removal Specialists
In Maryland, Northeast Virginia, and the District of Columbia, laser hair removal has become the region's most trusted method of long-term hair removal. Washington D.C., our nation's capital, has consequently become the Potomac's capital location for laser hair removal providers and cosmetic professionals. At Washington D.C. Laser Hair Removal Specialists, we have formed an exclusive network of the most respected and highly experienced laser clinics and medical spas in the greater Washington D.C. area.
With top laser hair removal clinics in Arlington, Bethesda, Rockville, Fairfax, and Springfield, as well as Washington itself, DC LHR is your convenient connection to the ideal hair removal provider nearest you. Check out our locations to find a clinic to your liking, and contact us to schedule your free laser hair removal consultation. It's that simple!
Featured DC Laser Hair Removal Clinic
With top laser hair removal clinics in Arlington, Bethesda, Rockville, Fairfax, and Springfield, as well as Washington itself, DC LHR is your convenient connection to the ideal hair removal provider nearest you. Check out our locations to find a clinic to your liking, and contact us to schedule your free laser hair removal consultation. It's that simple!
Featured DC Laser Hair Removal Clinic
Pennsylvania Lemon Law Attorney
Lemon law provides a means to consumer with a defective, lemon, vehicle to get a replacement or refund of his purchase price from the manufacturer. In order to realize the right, consumer may require professional and legal representation.
Kimmel & Silverman PC, founded in 1991 aims to provide fee representation to consumers under the lemon law without compromising quality. During the past 13 years the firm provided effective lemon law and breach of warranty assistance to more than 40,000 distressed clients and recovered more than $140 million for them. In March 1999 issue of the Philadelphia Magazine names Kimmel & Silverman PC as "the region's best lemon law firm". Moreover, the Pennsylvania House of Representatives Consumer Affairs Committee referred the firm as the only law firm to assists consumers to strengthen their statutes. The firm's efforts were featured in various TV channels as well as radio, magazine and newspaper features. Kimmel & Silverman has six offices across Pennsylvania, New Jersey, Massachusetts, Maryland and Delaware and has a team of 19 Lemon Law Lawyers, 4 ASE certified automobile experts and a support staff of more than 40 employees.
Greg Artim concentrates in representing consumers under the Lemon Law and Breach of Warranty cases. Graduating from Duquesne University School of Law in 1997, he successfully handled over 500 cases. He serves most of his clients personally and on contingency basis, taking his fees from the manufacturer after he has won the claim.
Power & Associates, based in Glen Mills, Pennsylvania provides quality representation to consumers who purchased a substantially defective vehicle and is claiming their rights under the lemon law. Although Michael Powers have over 18 years of legal experience, he started devoting his practices to assist consumers under the lemon law since 10 years back. Under his leadership, the firm successfully represented thousands of clients. He was featured in Philadelphia Business Journal's 40 Under 40 special issues and was honored at a reception for his work. Power & Associates, PC maintains highly qualified staff of attorneys to support its clients in their claim.
Kahn & Associates, L.L.C. founded in 1996 in Cleveland, Ohio, provides legal service to consumers who purchased a motor vehicle with substantial defects to qualify for a lemon car. The firm currently represents consumers in fourteen states including Pennsylvania and is a growing consumer law firm dedicated to providing legal counsel to consumers. Members of the firm were featured in Cleveland Plain Dealer regarding the 1999 amendments of the lemon law and also testified in Ohio Legislature.
Marc S Bragg graduated from Temple University School of Law and is licensed to practice law in Pennsylvania, New Jersey and California. He was the recipient of the Barrister's Award for Excellence in Trial Advocacy and served on the Board of Directors for the West Chester Friends School and on the Board of Directors for the Greater Chester Valley Soccer Association in Malvern for four years. He successfully concentrates his practices in a wide area including consumer rights and bankruptcy.
Kimmel & Silverman PC, founded in 1991 aims to provide fee representation to consumers under the lemon law without compromising quality. During the past 13 years the firm provided effective lemon law and breach of warranty assistance to more than 40,000 distressed clients and recovered more than $140 million for them. In March 1999 issue of the Philadelphia Magazine names Kimmel & Silverman PC as "the region's best lemon law firm". Moreover, the Pennsylvania House of Representatives Consumer Affairs Committee referred the firm as the only law firm to assists consumers to strengthen their statutes. The firm's efforts were featured in various TV channels as well as radio, magazine and newspaper features. Kimmel & Silverman has six offices across Pennsylvania, New Jersey, Massachusetts, Maryland and Delaware and has a team of 19 Lemon Law Lawyers, 4 ASE certified automobile experts and a support staff of more than 40 employees.
Power & Associates, based in Glen Mills, Pennsylvania provides quality representation to consumers who purchased a substantially defective vehicle and is claiming their rights under the lemon law. Although Michael Powers have over 18 years of legal experience, he started devoting his practices to assist consumers under the lemon law since 10 years back. Under his leadership, the firm successfully represented thousands of clients. He was featured in Philadelphia Business Journal's 40 Under 40 special issues and was honored at a reception for his work. Power & Associates, PC maintains highly qualified staff of attorneys to support its clients in their claim.
Kahn & Associates, L.L.C. founded in 1996 in Cleveland, Ohio, provides legal service to consumers who purchased a motor vehicle with substantial defects to qualify for a lemon car. The firm currently represents consumers in fourteen states including Pennsylvania and is a growing consumer law firm dedicated to providing legal counsel to consumers. Members of the firm were featured in Cleveland Plain Dealer regarding the 1999 amendments of the lemon law and also testified in Ohio Legislature.
Marc S Bragg graduated from Temple University School of Law and is licensed to practice law in Pennsylvania, New Jersey and California. He was the recipient of the Barrister's Award for Excellence in Trial Advocacy and served on the Board of Directors for the West Chester Friends School and on the Board of Directors for the Greater Chester Valley Soccer Association in Malvern for four years. He successfully concentrates his practices in a wide area including consumer rights and bankruptcy.
Florida State Lemon Law
In the state of Florida Lemon Law proved an effective way of recourse for Florida consumers who purchased or leased a substantially defective new vehicle. A new car is an expensive purchase and if you need to shift back and forth to the dealer for repairs, the satisfaction of owning a new car may be change into a frustrating and costly experience.
Your right under the Lemon Law in Florida can be exercised only if the vehicle has a significant defect that impairs its use, value or safety. The definition of significant defect varies from vehicle to vehicle and is different in most of the cases. Defects caused by abuse, modification or alteration by unauthorized service agents or those caused by accidents or neglects are not covered.
During the sale of a vehicle the state requires the dealer to provide the buyer an owner's manual published by the manufacturer with a list of addresses and phone numbers that the buyer can use to contact the customer service personnel who can advise on the measure needed to repair the vehicle.
Under the Florida State lemon law , if the vehicle does not meet the warranty provided by the manufacturer, and if this defect is notified by the owner to the manufacturer, the vehicle needs to be repaired free of charge. The defect, however, needs to be identified and the notification be made during the lemon law right period of a maximum of 12 months or 12,000 miles, which ever comes first.
If the vehicle is purchased from a dealer and the dealer is notified, the law requires the dealer to put a written notice to the manufacturer within a week. This means that placing a notice to the dealer would mean a notice to the manufacturer altogether.
Also, if the manufacturer fails to repair the defect even after a substantial attempt, the consumer is entitled to a replacement of this vehicle or a full refund.
The replacement vehicle provided by the manufacturer will be identical or reasonably equivalent to the vehicle to be replaced.
If a refund is made to the consumer, the manufacturer shall repay the owner all collateral charges and incidental costs.
Before a replacement or a refund becomes mandatory for the manufacturer the law allows the manufacturer to: 1. repair a safety defect in braking or steering system at least once 2. repair any other severe safety defect two times
However, if the vehicle stays out of service for a total of 30 calendar days, the consumer is entitled to a replacement or a refund.
If, on the other hand, the manufacturer refuses to make any repairs after receiving the notice, the owner should notify the manufacturer in writing, by certified post, with a return receipt requested, stating the problem. And if the car was purchased from a dealer it should also mention that the dealer refused to repair the vehicle if such is the case.
Success in lemon law right depends on 1. Record keeping 2. Providing the right notice to the manufacturer 3. Use of arbitration program when required.
You should always seek proper legal advice from a Florida lemon law attorney if you decide to pursue your claim.
Your right under the Lemon Law in Florida can be exercised only if the vehicle has a significant defect that impairs its use, value or safety. The definition of significant defect varies from vehicle to vehicle and is different in most of the cases. Defects caused by abuse, modification or alteration by unauthorized service agents or those caused by accidents or neglects are not covered.
Under the Florida State lemon law , if the vehicle does not meet the warranty provided by the manufacturer, and if this defect is notified by the owner to the manufacturer, the vehicle needs to be repaired free of charge. The defect, however, needs to be identified and the notification be made during the lemon law right period of a maximum of 12 months or 12,000 miles, which ever comes first.
If the vehicle is purchased from a dealer and the dealer is notified, the law requires the dealer to put a written notice to the manufacturer within a week. This means that placing a notice to the dealer would mean a notice to the manufacturer altogether.
Also, if the manufacturer fails to repair the defect even after a substantial attempt, the consumer is entitled to a replacement of this vehicle or a full refund.
The replacement vehicle provided by the manufacturer will be identical or reasonably equivalent to the vehicle to be replaced.
If a refund is made to the consumer, the manufacturer shall repay the owner all collateral charges and incidental costs.
Before a replacement or a refund becomes mandatory for the manufacturer the law allows the manufacturer to: 1. repair a safety defect in braking or steering system at least once 2. repair any other severe safety defect two times
However, if the vehicle stays out of service for a total of 30 calendar days, the consumer is entitled to a replacement or a refund.
If, on the other hand, the manufacturer refuses to make any repairs after receiving the notice, the owner should notify the manufacturer in writing, by certified post, with a return receipt requested, stating the problem. And if the car was purchased from a dealer it should also mention that the dealer refused to repair the vehicle if such is the case.
Success in lemon law right depends on 1. Record keeping 2. Providing the right notice to the manufacturer 3. Use of arbitration program when required.
You should always seek proper legal advice from a Florida lemon law attorney if you decide to pursue your claim.
Wisconsin Lemon Law
If your new vehicle, that is less than an year old and still under warranty, has a serious defect that the dealer can not fix in four repeated attempts or has one or more defects that prevents you from using it for 30 calendar days, you probably have a lemon in your hands. And the Wisconsin Lemon Law requires the manufacturer to replace your vehicle for free or refund the price of your vehicle.
Any defect that severely affects the use, value or safety of the vehicle, covered by the warranty, is enclosed within the lemon law. And any new car bought in Wisconsin is covered.
Although there is no deadline for filing a lemon law suit, the court usually decides if the case is too old. In order to qualify for a lemon suit you vehicle needs to be 1. Bought as new in Wisconsin. 2. Vehicle should be a motorcycle, car, motor home or truck. 3. Vehicle develops a problem during the warranty period or the first year of its purchase. 4. The problem harms the vehicle's value, use or safety. 5. The dealer failed to fix the problem within four attempts or the vehicle was out of service for 30 calendar days.
If you have a lemon in your hands you should 1. Get repair orders of each of your visits that detail the problems you reported and the dates. 2. Have the purchase contract, warranty statement and repair orders to prove to court that you possess a lemon. 3. Provide the manufacturer a notice, to the address available in the owner's manual, stating the problem of the car and that you would like a replacement or refund, preferably using a Wisconsin Department of Transportation's 'Motor Vehicle Lemon Law Notice'. The notice give the manufacturer 30 days to respond. 4. If the manufacturer has a certified arbitration program you are required to use it before you can serve your right to the court. However, under no condition are you obligated to accept the decision of the program. If the decision is not to your liking you can reject it and serve your right to the court.
The manufacturer arbitration program is an informal program to settle your disputes without going to the court. Arbitrators, usually volunteers from the community, decide the case based on information provided by the consumer and the manufacturer. Participation in the program is obligatory only if it is certified under the Wisconsin Department of Transportation. However, if the program is not certified by Wisconsin Department of Transportation, you are not obligated to use it. In any case, arbitration program is free and does not require lawyer representation. 5. If you decide to serve your right to the court, consult a Lemon Law attorney for help. If you win in court the manufacturer will have to pay you the vehicle purchase price plus your attorney fee.
Your success in using the state lemon law to your favor will depend on 1. How efficiently you can maintain records. 2. Provide the right notice. 3. Use the arbitration program when required.
Any defect that severely affects the use, value or safety of the vehicle, covered by the warranty, is enclosed within the lemon law. And any new car bought in Wisconsin is covered.
If you have a lemon in your hands you should 1. Get repair orders of each of your visits that detail the problems you reported and the dates. 2. Have the purchase contract, warranty statement and repair orders to prove to court that you possess a lemon. 3. Provide the manufacturer a notice, to the address available in the owner's manual, stating the problem of the car and that you would like a replacement or refund, preferably using a Wisconsin Department of Transportation's 'Motor Vehicle Lemon Law Notice'. The notice give the manufacturer 30 days to respond. 4. If the manufacturer has a certified arbitration program you are required to use it before you can serve your right to the court. However, under no condition are you obligated to accept the decision of the program. If the decision is not to your liking you can reject it and serve your right to the court.
The manufacturer arbitration program is an informal program to settle your disputes without going to the court. Arbitrators, usually volunteers from the community, decide the case based on information provided by the consumer and the manufacturer. Participation in the program is obligatory only if it is certified under the Wisconsin Department of Transportation. However, if the program is not certified by Wisconsin Department of Transportation, you are not obligated to use it. In any case, arbitration program is free and does not require lawyer representation. 5. If you decide to serve your right to the court, consult a Lemon Law attorney for help. If you win in court the manufacturer will have to pay you the vehicle purchase price plus your attorney fee.
Your success in using the state lemon law to your favor will depend on 1. How efficiently you can maintain records. 2. Provide the right notice. 3. Use the arbitration program when required.
Benchmark Lending
Benchmarking
Process benchmarking: an application to lending products
Benchmarking techniques evolved from Xerox’s pioneering visit to Japan in the late 1970s. However, the application of the benchmarking concept to the banking industry did not take place until the late 1990s. Process benchmarking, in particular, is a tool that helps FIs to cut costs, improve productivity and integrate business processes. Although process benchmarking involves divulging what may be considered as sensitive or confidential information, forming de facto benchmarking partnerships with competitors allows participating institutions to compare cost and output advantages and disadvantages, when performing key processes involved in lending operations. This paper presents an application of process benchmarking to lending operations across Australia to highlight differences in costs involved in seemingly identical value chains.
Process benchmarking: an application to lending products
Benchmarking techniques evolved from Xerox’s pioneering visit to Japan in the late 1970s. However, the application of the benchmarking concept to the banking industry did not take place until the late 1990s. Process benchmarking, in particular, is a tool that helps FIs to cut costs, improve productivity and integrate business processes. Although process benchmarking involves divulging what may be considered as sensitive or confidential information, forming de facto benchmarking partnerships with competitors allows participating institutions to compare cost and output advantages and disadvantages, when performing key processes involved in lending operations. This paper presents an application of process benchmarking to lending operations across Australia to highlight differences in costs involved in seemingly identical value chains.
Benchmark Lending Group
These are the simple answers to that question:
Encourage and support to get the best practices
It set-up standards for marketplace trust
It creates a community of trustworthy businesses
It celebrate marketplace role models, and;
Denounce substandard marketplace behavior
Benchmark Lending group ensures that high standards for trust are set and maintained. They exist so consumers and businesses alike have an unbiased source to guide them on matters of trust, and provides educational information and expert advice that is free of charge and easily accessible. Benchmark Lending group accredited businesses have agreed to live up to our Standards for Trust. The Standards for Trust are a comprehensive set of policies, procedures and best practices focused on how businesses should treat the public – fairly and honestly in all circumstances. Besides, they do not compare businesses against one another, but instead evaluates businesses against the standards – and the standards clearly speak to the character and competence of an organization.
When you think of mortgages that enable thousands of people to acquire homes every year, you are thinking of the Benchmark Lending group which has provided much needed finances to get new homes or refinance the existing homes to many families for over 10 years. They offer tailor made mortgages to suit the needs of customers ensuring that you can afford it. They make this happen by considering the cash flow of every customer. They also consider the repayment period, investment opportunities and your equity plans. Customers can expect no hassles and there are no middlemen. The headquarters are located in Northern California and their culture is to provide a good service with dedication and passion.
When you need in order to apply for a financial loan, the company assures you that the process is straightforward and, you do not have to think about complications. You’ll have a loan officer direct you through the whole process briefing you on all vital issues on credit til you have an effective end. At Benchmark lending group, the management involves people who have mastered the industry and proved that they’ll deliver the required steps to progress the business.
The first kind of loan they offer is the Fixed Rate Loan where the rate does not change and one can get a loan to repay in 10, 15, 20 and 30 years. People who go for such a loan must be planning to keep their house for more than 10 years and, for anyone who do not plan to use their home equity for the period of the loan. The other kind of mortgage the Benchmark Lending group offer is the adjustable rate mortgage. This loan is for people who plan to keep their house for up to 10 years or less. The duration for this kind of mortgage is usually 3, 5, 7 and 10 years.
A freedom loan from Benchmark Lending Group is regarded as the popular since it is an adjustable loan that permits you to decide on from 4 different payment methods based on your convenience every month. The loan is customized for people who do not have a regular or stable cash flow and for people who want to make other investments. Another loan suitable for people with fluctuating incomes is the Better Half loan and, it will help people with unstable monthly income realize their dream of owning a home. There are very many other options to choose from and, you can even apply online on their site. There are other resources that you will find very helpful. Before you take any mortgage, it is good to consider your income and your flexibility and ability to repay given the many options of repayments. Get a good system that may assist you realize your dream for a good home.
Encourage and support to get the best practices
It set-up standards for marketplace trust
It creates a community of trustworthy businesses
It celebrate marketplace role models, and;
Denounce substandard marketplace behavior
Benchmark Lending group ensures that high standards for trust are set and maintained. They exist so consumers and businesses alike have an unbiased source to guide them on matters of trust, and provides educational information and expert advice that is free of charge and easily accessible. Benchmark Lending group accredited businesses have agreed to live up to our Standards for Trust. The Standards for Trust are a comprehensive set of policies, procedures and best practices focused on how businesses should treat the public – fairly and honestly in all circumstances. Besides, they do not compare businesses against one another, but instead evaluates businesses against the standards – and the standards clearly speak to the character and competence of an organization.
When you think of mortgages that enable thousands of people to acquire homes every year, you are thinking of the Benchmark Lending group which has provided much needed finances to get new homes or refinance the existing homes to many families for over 10 years. They offer tailor made mortgages to suit the needs of customers ensuring that you can afford it. They make this happen by considering the cash flow of every customer. They also consider the repayment period, investment opportunities and your equity plans. Customers can expect no hassles and there are no middlemen. The headquarters are located in Northern California and their culture is to provide a good service with dedication and passion.
When you need in order to apply for a financial loan, the company assures you that the process is straightforward and, you do not have to think about complications. You’ll have a loan officer direct you through the whole process briefing you on all vital issues on credit til you have an effective end. At Benchmark lending group, the management involves people who have mastered the industry and proved that they’ll deliver the required steps to progress the business.
The first kind of loan they offer is the Fixed Rate Loan where the rate does not change and one can get a loan to repay in 10, 15, 20 and 30 years. People who go for such a loan must be planning to keep their house for more than 10 years and, for anyone who do not plan to use their home equity for the period of the loan. The other kind of mortgage the Benchmark Lending group offer is the adjustable rate mortgage. This loan is for people who plan to keep their house for up to 10 years or less. The duration for this kind of mortgage is usually 3, 5, 7 and 10 years.
A freedom loan from Benchmark Lending Group is regarded as the popular since it is an adjustable loan that permits you to decide on from 4 different payment methods based on your convenience every month. The loan is customized for people who do not have a regular or stable cash flow and for people who want to make other investments. Another loan suitable for people with fluctuating incomes is the Better Half loan and, it will help people with unstable monthly income realize their dream of owning a home. There are very many other options to choose from and, you can even apply online on their site. There are other resources that you will find very helpful. Before you take any mortgage, it is good to consider your income and your flexibility and ability to repay given the many options of repayments. Get a good system that may assist you realize your dream for a good home.
Equity Financing
Equity financing is overwhelmingly the important in the corporate private sector. Both as regards the cumulative financing arrangements and the raising of new capital, equity finance seem to attract a wide range of investors, both private and institutional.
Investors consider on equity financing because of its level of return, its riskiness of returns, the ease on liquidating the investment, its capital gain tax, and the degree of control.
The level of return on equity financing would be expected to be higher that the level of return associated with ‘safe’ investment such as government securities. Equities provide an opportunity to make investments where returns are related fairly directly to commercial success. Most investment opportunities of this type require investors to spend time managing the assets in which their money is invested; they also expose investors to unlimited liability. However, equities enable delegation of day-to-day management to the directors and protect the investors’ other assets.
Returns both in terms of capital gains and of dividends are not certain by any means. Negative returns are very common over periods of a year or two (or less), though historically above-average positive returns compensate for these. A period of adverse trading could cause the value of a particular firm’s ordinary shares to fall to zero, losing the shareholder the entire amount invested in those shares.
Typically, when investors take up part of an issue of new equity of a firm, they have no particular thoughts of the firm ever repaying that investment. However, the average investor would be reluctant to take up equities unless it were clear that there would be the opportunity to liquidate the investment, in some other way. This is where the secondary capital market comes in. It is clearly in the interest firm to have its ordinary share regularly traded on a recognized stock exchange so that the facility to liquidate the investment exist.
Dividends are taxed as income in the hands of the shareholders, at marginal rates up to 40 per cent. Capital appreciation is subject to rather less severe capital gain tax at rates similar to those applied to income. The firm may consider the equity financing because of these factors : Issue costs, Servicing costs, obligation to pay dividends, obligation to redeem the investment, tax deductibility of dividends, and the effect on control and freedom of action in the corporate.
The issue costs vary considerably according to the method used to raise the new equity and finance raised; ranging from virtually nothing up to about 15 per cent of the new finance raised. Equity holders expect relatively high returns in terms of capital appreciation and dividends. Dividends represent an explicit costs. The capital appreciation results from the fact that sooner or later profits not paid out as dividends are expected to end up in the hands of the shareholders, even if they have to wait until the firm is liquidated before this happens. Thus one way or another, the entire profits will eventually be paid out to shareholder. The shareholders can not directly force payment of a particular level of dividend in particular year, although ultimately the dividends must be paid.
There is also no obligation to redeem the investment unless (or until) the firm is liquidated. Because of this and to some extent because of the flexibility on dividend levels, finance provided by ordinary shareholders does not impose much by way of cash flow obligation on the firm.
Meanwhile in contrast with the servicing of virtually all other types of finance, dividends are not tax deductible in arriving at the firm’s corporation tax liability. This tends to make dividends more expensive than a similar gross equivalent loan interest rate.
Where new equity finance is raised from other than the existing shareholders in the same proportions as their original investment, voting power will shift to some extent, perhaps to a large extent, and possibly with it control of the firm. This is not necessarily a feature of all increases in equity financing. In fact the two most important means of raising equity finance for most firms, retained profits and rights issues, generally avoid this problem. Most firms’ annual general meetings are characterized by a distinct absence of most of those entitled to be present and to vote. Control is a factor which is more likely to be of concern to ordinary shareholders in small firms.
Investors consider on equity financing because of its level of return, its riskiness of returns, the ease on liquidating the investment, its capital gain tax, and the degree of control.
The level of return on equity financing would be expected to be higher that the level of return associated with ‘safe’ investment such as government securities. Equities provide an opportunity to make investments where returns are related fairly directly to commercial success. Most investment opportunities of this type require investors to spend time managing the assets in which their money is invested; they also expose investors to unlimited liability. However, equities enable delegation of day-to-day management to the directors and protect the investors’ other assets.
Returns both in terms of capital gains and of dividends are not certain by any means. Negative returns are very common over periods of a year or two (or less), though historically above-average positive returns compensate for these. A period of adverse trading could cause the value of a particular firm’s ordinary shares to fall to zero, losing the shareholder the entire amount invested in those shares.
Dividends are taxed as income in the hands of the shareholders, at marginal rates up to 40 per cent. Capital appreciation is subject to rather less severe capital gain tax at rates similar to those applied to income. The firm may consider the equity financing because of these factors : Issue costs, Servicing costs, obligation to pay dividends, obligation to redeem the investment, tax deductibility of dividends, and the effect on control and freedom of action in the corporate.
The issue costs vary considerably according to the method used to raise the new equity and finance raised; ranging from virtually nothing up to about 15 per cent of the new finance raised. Equity holders expect relatively high returns in terms of capital appreciation and dividends. Dividends represent an explicit costs. The capital appreciation results from the fact that sooner or later profits not paid out as dividends are expected to end up in the hands of the shareholders, even if they have to wait until the firm is liquidated before this happens. Thus one way or another, the entire profits will eventually be paid out to shareholder. The shareholders can not directly force payment of a particular level of dividend in particular year, although ultimately the dividends must be paid.
There is also no obligation to redeem the investment unless (or until) the firm is liquidated. Because of this and to some extent because of the flexibility on dividend levels, finance provided by ordinary shareholders does not impose much by way of cash flow obligation on the firm.
Meanwhile in contrast with the servicing of virtually all other types of finance, dividends are not tax deductible in arriving at the firm’s corporation tax liability. This tends to make dividends more expensive than a similar gross equivalent loan interest rate.
Where new equity finance is raised from other than the existing shareholders in the same proportions as their original investment, voting power will shift to some extent, perhaps to a large extent, and possibly with it control of the firm. This is not necessarily a feature of all increases in equity financing. In fact the two most important means of raising equity finance for most firms, retained profits and rights issues, generally avoid this problem. Most firms’ annual general meetings are characterized by a distinct absence of most of those entitled to be present and to vote. Control is a factor which is more likely to be of concern to ordinary shareholders in small firms.
Lastest Financing News
Buyout firms hunt for financing alternatives
Buyout firms are looking to alternative forms of financing to refinance their portfolio companies as access to credit markets eases and a wall of debt approaching maturity looms.
Read more on eFinancial News
Kasikornbank to promote project financing under AEC
Kasikornbank sees a great opportunity to grow its project financing business when the Asean Economic Community takes shape in 2015.
Read more on The Nation – Thailand’s English news
New investors bring financing bonanza to junior miners
A whole new class of conservative investor is piling into the mining sector — once the exclusive domain of daring risk-takers — bringing a bonanza of funding options to junior miners racing toward production.
Read more on Reuters via Yahoo! News
Financing for Mercury/TWOBOLT Marketing Technologies Launch Completed
PAWTUCKET, R.I.–(BUSINESS WIRE)–Mercury (Pawtucket, RI) completes financing for forthcoming launch of Two Bolt Marketing Technologies with equity from Angel Street Capital, Dover Capital Partners and Bristol County Savings Bank.
Buyout firms are looking to alternative forms of financing to refinance their portfolio companies as access to credit markets eases and a wall of debt approaching maturity looms.
Read more on eFinancial News
Kasikornbank to promote project financing under AEC
Kasikornbank sees a great opportunity to grow its project financing business when the Asean Economic Community takes shape in 2015.
Read more on The Nation – Thailand’s English news
New investors bring financing bonanza to junior miners
A whole new class of conservative investor is piling into the mining sector — once the exclusive domain of daring risk-takers — bringing a bonanza of funding options to junior miners racing toward production.
Read more on Reuters via Yahoo! News
Financing for Mercury/TWOBOLT Marketing Technologies Launch Completed
PAWTUCKET, R.I.–(BUSINESS WIRE)–Mercury (Pawtucket, RI) completes financing for forthcoming launch of Two Bolt Marketing Technologies with equity from Angel Street Capital, Dover Capital Partners and Bristol County Savings Bank.
Why You Might Need A Financial Advisor, Again
The financial crisis left many investors blaming financial advisors for failing to shield them from deep losses or to explain the risks of the exotic yet highly profitable products they were sold.
Money in Mattress
“I didn’t get a call during the market implosion and received no advice when my retirement funds were shrinking,’’ says Tom Hoebbel, a photographer in upstate New York, who fdropped his Edward Jones advisor in fall 2008.
Hoebbel is not alone. Forty-five percent of investors surveyed last January by ING Direct had reduced or eliminated their relationship with a financial professional. And fifty-seven said they could do just as well making their own investment decisions.
Entering 2011 after two straight years of double-digit gains for stocks, investors who ditched an advisor are feeling pretty confident with their decision.
Yet given stubbornly high volatility, the limitations of a buy-and-hold approach, and longer retirements to plan for, financial planning experts say such confidence may be misplaced.
“It’s possible [to be successful] on your own, but most investors are almost certainly due to fail,’’ says Larry Swedroe, author of ten books geared to individual investors and principal of St. Louis advisory firm BAM. “Most people should have a financial advisor of some kind.’’
More Americans are coming to realize they need help. Financial advice topped the list of professional services consumers would like to use in 2011, according to a survey by Allianz Life Insurance.
Here’s why you should swallow your pride and consider meeting with a financial advisor this year:
The Risks Have Changed
The 2008 meltdown was not limited to stocks, asinvestment-grade corporate bonds and fixed-income instruments deemed safe also suffered steep losses.
The crisis uncovered the dangers in relying on third-party rating agencies to accurately assess bond risks while the shaky finances of state and local governments today have raised the risk profile of previously staid and profitable municipal bonds.
“Markets become more complicated every day,’’ says Charles Massimo, president of CJM Fiscal Management in Melville, N.Y.
When markets were doing well, people thought they were a lot more tolerant of risk but the financial crisis showed how much volatility they could really handle, and it was less than they had assumed, says Frank Braddock of JHS Capital Advisors in Columbia, S.C.
An advisor can help investors better understand the historical risks of different asset classes and determine one’s comfort level through good and bad markets.
Set It and Forget It Doesn’t Work
The latest bear market challenged buy-and-hold investing. Heightened volatility and losses across nearly every investment class highlighted the need to shift out of riskier assets to conserve principal and redeploy cash after prices had fallen.
A static portfolio may also not reflect an investor’s changing circumstances. While younger investors can be more aggressive with stocks, older investors may have other priorities.
“Regular rebalancing is critical,’’ Braddock says, because it forces investors to sell some of their winners and plow the profits into undervalued asset classes.
Financial plans constructed by an advisor include a target asset allocation that gets rebalanced regularly to ensure it remains consistent with a client’s investment goals.
Still, nearly two-years after the stock market’s bottom, major indices have doubled in value and the hiighs of 2007 no longer seem unattainable.
Too Much Information Can Be Dangerous
Blogs and online trading and research tools have made financial information more accessible than ever. All that data may be valuable for amateur stock pickers but Swedroe says it can also induce harmful knee-jerk reactions to news and cause investors to miss the big picture.
“An advisor helps sift through the good and bad knowledge,’’ he says.
Swedroe argues that most of us don’t have the time, knowledge or analytical horsepower to be successful long term. He suggests investors ask themselves, for example, if they know the difference between geometric and arithmetic returns or can run a Monte Carlo simulation to assess possible investment outcomes.
Advisors with professional designations like certified financial planner, CFP, or chartered financial analyst, CFA, have received rigorous training on markets and investments. They also have access to powerful software that can project future performance, analyze the effects of adding or removing specific investments from a portfolio and other tools not readily available to the general public.
Discipline is Hard to Achieve
Research firm Dalbar puts out an annual survey showing how actual shareholder returns lag market returns. The culprit is market timing as investors buy on the way up and panic sell on the way down. Emotions guide those decisions, according to behavioral economists who have identified the tendencies of investors to act irrationally.
An advisor can act as a circuit breaker by removing emotion from investment decisions. Massimo says investing is like losing weight or stopping smoking—you need discipline and commitment to a long-term process.
Having an advisor doesn’t guarantee success, but investors who acknowledge they’re prone to impulse decisions might benefit from a second opinion before pulling the trigger.
Guidance Applies to More Than Just Investments
Investment advice is just one of the services a financial advisor provides. Many are also trained in financial planning, estate planning and insurance. And if they don’t have expertise in the areas you need, the good ones have access to accountants, attorneys and other experts that do.
“A lot of advisors go from the first client meeting straight to buying investments,’’ says Braddock. “Better advisors tackle education, develop a financial plan and propose an asset allocation before thinking about investments.’’
Advice Can Be Affordable
Investors don’t have to carry six-figure balances to receive professional guidance.
Most advisors charge commissions or a fee based on the assets they manage but some, like the Garrett Financial Planning Network, charge by the hour. For experienced investors, an annual checkup with this type of advisor may be sufficient.
No-load, mutual-fund firms geared to individual investors are also branching into the advice business by offering access to CFPs and customized accounts. Investment minimums start at $50,000 and costs are comparable to those charged by fee-based advisors.
Even if you see nothing but blue skies ahead for the markets, partnering with a financial advisor in 2011 may help you better prepare for the inevitable storm clouds to come.
Money in Mattress
“I didn’t get a call during the market implosion and received no advice when my retirement funds were shrinking,’’ says Tom Hoebbel, a photographer in upstate New York, who fdropped his Edward Jones advisor in fall 2008.
Hoebbel is not alone. Forty-five percent of investors surveyed last January by ING Direct had reduced or eliminated their relationship with a financial professional. And fifty-seven said they could do just as well making their own investment decisions.
Entering 2011 after two straight years of double-digit gains for stocks, investors who ditched an advisor are feeling pretty confident with their decision.
Yet given stubbornly high volatility, the limitations of a buy-and-hold approach, and longer retirements to plan for, financial planning experts say such confidence may be misplaced.
“It’s possible [to be successful] on your own, but most investors are almost certainly due to fail,’’ says Larry Swedroe, author of ten books geared to individual investors and principal of St. Louis advisory firm BAM. “Most people should have a financial advisor of some kind.’’
More Americans are coming to realize they need help. Financial advice topped the list of professional services consumers would like to use in 2011, according to a survey by Allianz Life Insurance.
Here’s why you should swallow your pride and consider meeting with a financial advisor this year:
The Risks Have Changed
The 2008 meltdown was not limited to stocks, asinvestment-grade corporate bonds and fixed-income instruments deemed safe also suffered steep losses.
The crisis uncovered the dangers in relying on third-party rating agencies to accurately assess bond risks while the shaky finances of state and local governments today have raised the risk profile of previously staid and profitable municipal bonds.
“Markets become more complicated every day,’’ says Charles Massimo, president of CJM Fiscal Management in Melville, N.Y.
When markets were doing well, people thought they were a lot more tolerant of risk but the financial crisis showed how much volatility they could really handle, and it was less than they had assumed, says Frank Braddock of JHS Capital Advisors in Columbia, S.C.
An advisor can help investors better understand the historical risks of different asset classes and determine one’s comfort level through good and bad markets.
Set It and Forget It Doesn’t Work
The latest bear market challenged buy-and-hold investing. Heightened volatility and losses across nearly every investment class highlighted the need to shift out of riskier assets to conserve principal and redeploy cash after prices had fallen.
A static portfolio may also not reflect an investor’s changing circumstances. While younger investors can be more aggressive with stocks, older investors may have other priorities.
“Regular rebalancing is critical,’’ Braddock says, because it forces investors to sell some of their winners and plow the profits into undervalued asset classes.
Financial plans constructed by an advisor include a target asset allocation that gets rebalanced regularly to ensure it remains consistent with a client’s investment goals.
Still, nearly two-years after the stock market’s bottom, major indices have doubled in value and the hiighs of 2007 no longer seem unattainable.
Too Much Information Can Be Dangerous
Blogs and online trading and research tools have made financial information more accessible than ever. All that data may be valuable for amateur stock pickers but Swedroe says it can also induce harmful knee-jerk reactions to news and cause investors to miss the big picture.
“An advisor helps sift through the good and bad knowledge,’’ he says.
Swedroe argues that most of us don’t have the time, knowledge or analytical horsepower to be successful long term. He suggests investors ask themselves, for example, if they know the difference between geometric and arithmetic returns or can run a Monte Carlo simulation to assess possible investment outcomes.
Advisors with professional designations like certified financial planner, CFP, or chartered financial analyst, CFA, have received rigorous training on markets and investments. They also have access to powerful software that can project future performance, analyze the effects of adding or removing specific investments from a portfolio and other tools not readily available to the general public.
Discipline is Hard to Achieve
Research firm Dalbar puts out an annual survey showing how actual shareholder returns lag market returns. The culprit is market timing as investors buy on the way up and panic sell on the way down. Emotions guide those decisions, according to behavioral economists who have identified the tendencies of investors to act irrationally.
An advisor can act as a circuit breaker by removing emotion from investment decisions. Massimo says investing is like losing weight or stopping smoking—you need discipline and commitment to a long-term process.
Having an advisor doesn’t guarantee success, but investors who acknowledge they’re prone to impulse decisions might benefit from a second opinion before pulling the trigger.
Guidance Applies to More Than Just Investments
Investment advice is just one of the services a financial advisor provides. Many are also trained in financial planning, estate planning and insurance. And if they don’t have expertise in the areas you need, the good ones have access to accountants, attorneys and other experts that do.
“A lot of advisors go from the first client meeting straight to buying investments,’’ says Braddock. “Better advisors tackle education, develop a financial plan and propose an asset allocation before thinking about investments.’’
Advice Can Be Affordable
Investors don’t have to carry six-figure balances to receive professional guidance.
Most advisors charge commissions or a fee based on the assets they manage but some, like the Garrett Financial Planning Network, charge by the hour. For experienced investors, an annual checkup with this type of advisor may be sufficient.
No-load, mutual-fund firms geared to individual investors are also branching into the advice business by offering access to CFPs and customized accounts. Investment minimums start at $50,000 and costs are comparable to those charged by fee-based advisors.
Even if you see nothing but blue skies ahead for the markets, partnering with a financial advisor in 2011 may help you better prepare for the inevitable storm clouds to come.
Student Loans for Bad Credit
If your credit is bad then you have had previous debt and enough time to mismanage it. So now you want to go to college and don’t know how you’re going to get a student loan, right?
Even if your credit is bad you still can afford going to college. It’s simple; here are the student loan options that have nothing to do with your existing credit. You’ll find Federal Stafford Loans, Perkins Loans, other non-credit based government loans, as well as Pell Grants and various types of scholarships and grants.
But guess what? Don’t necessarily discount yourself from credit-based loans, either. Find out why using a co-borrower just may get you the funds you need and help you repair your credit at the same time.
Stafford Loans
The federal Stafford Loan comes in two types – subsidized and unsubsidized. Both of these are relevant to all students, even those with bad credit or no credit. The truth is, credit doesn’t matter with the Stafford loan. This is hands down the most popular, most widely disbursed student loan for undergraduates and graduate level students.
The subsidized Stafford Loan is awarded to financially needy students. If you qualify, the federal government pays the loan interest due every month while you’re in school and for the six-month grace period between graduation and repayment.
The unsubsidized Stafford Loan is available to every student, regardless of need. However, if you are depending solely on the Stafford Loan because of your credit, the loan awards are often meager. This is why so many college students carry multiple student loans, some of them credit-based alternative loans – so they can cover the costs of auxiliary college expenses. And this is where future credit problems often begin to germinate.
Another advantage to the Stafford Loan: you can reapply every school year.
Think Stafford Loans could be your solution? Find out more about subsidized Stafford Loans and unsubsidized Stafford Loans.
Perkins Loans
Good news: the federal Perkins Loan is another solution for poor credit borrowers. Far fewer Perkins Loans are disbursed in comparison to the very popular Staffords and Perkins only those go to the most exceptionally disadvantaged. Still, here’s another government subsidized student loan that requires no credit check. Perkins loans are available for both undergraduate and graduate students. Typical loan awards are between $1,000 and $4,000 for each school year, not to exceed $20,000 total.
Alternative Non-Credit Based Loans
If you are lucky enough to be pursuing a degree in one of the health science fields, such as medicine or nursing, there are student loans specifically designed for health science students that are completely credit-free:
Loans for Disadvantaged Students
Nursing Student Loan Program
Primary Care Loan Program
Loans for Disadvantaged Students
The Department of Health and Human Services sponsors the Loans for Disadvantaged Students program, a low-interest, non-credit based loan, available to socially and/or financially disadvantaged students seeking degrees in approved areas of the health sciences profession. You are required to apply for the Loans for Disadvantaged Students program through the financial aid office of the participating school. They in turn choose the recipients and disburse the loans.
Nursing Student Loan Program
The Nursing Student Loan program provides up to $4,000 per school year to qualifying nursing school students. Loans are low-interest and come with a grace period of 9 months. Recipients must be enrolled at least half-time in an approved nursing program and prove adequate financial need. Applicants file through the financial aid office of the participating school.
Primary Care Loan Program
The Primary Care Loan program is designed to provide auxiliary, non-credit based student loans to those pursuing medical degrees with a focus on primary care. Loans feature a grace period of 12 months. One stipulation is that the recipient must remain practicing primary care for the duration of loan repayment.
Scholarships and Grants
The federal Pell Grant provides grant money to only the neediest of students. The beauty of a Pell Grant is that disbursed funds do not require repayment – they are a gift.
Scholarship and grant money is available from a plethora of sources. Nearly every state government offers scholarship and grant money, if you explore the resources deeply enough. Also, if you are pursuing a specialized degree or doing graduate research work, many professional organizations and associations extend large grants for students in a niche specialty or those conducting research. These institutions will never even look at your credit report.
Loan Consolidation: Control Over Your Debt
If you already have poor credit, the last thing you need is more of the same. Loans that allow you to consolidate your student loans are commonplace and encouraged by most lenders. In the event you are strapped for funds when loan repayment rolls around, you should apply for the federal loan consolidation. The federal Loan Consolidation program allows you to roll all of your federal student loans into one, low monthly payment. In some cases you may cut your monthly student loan debt by 50%. And there is no credit check to consolidate with the federal loan. However, you will notice that your loan repayment period is extended in order to offer such a low monthly payment.
Think you may be a candidate for student loan consolidation? Take our easy self-assessment quiz and find out right now.
When You Must Apply for a Credit-Based Loan
What if your federal loan awards were too lean to pay all of your college expenses and what if you really needed to consider a credit-based private student loan with your bad credit?
There is one strategy that could work: first borrow from a student loan lender, a company that specifically manages student loan and debt, they have scores of loans to fit almost any situation and many offer debt-counseling services. Second, before you apply find someone—a family member or friend—with good credit who would be willing to sign a promissory note as your co-signor or co-borrower. Essentially a co-borrower with good credit agrees to legally vouch for you. This strategy may work; you may qualify for all or part of what you need to cover your school expenses.
If you are able to borrow with a co-signor choose a loan product that features a co-signor release. What is this? Once you enter loan repayment you may be eligible to take over the full responsibility of the loan after you’ve made so many consecutive on-time payments. Quite literally your loan co-signor is dropped from the loan. This is to your advantage, here’s why: consider this a valuable opportunity to be financially responsible. Build or repair your credit when you continue to make full, on-time loan payments.
Repairing Credit with the Help of Student Lenders
Credit counseling is available through many student loan providers, such as Sallie Mae and similar corporations. While these companies are for-profit businesses, they nevertheless have a mission to make higher education possible.
Tip: If student loan providers consistently deny you loans most will also work with you to help you repair your credit.
Even if your credit is bad you still can afford going to college. It’s simple; here are the student loan options that have nothing to do with your existing credit. You’ll find Federal Stafford Loans, Perkins Loans, other non-credit based government loans, as well as Pell Grants and various types of scholarships and grants.
But guess what? Don’t necessarily discount yourself from credit-based loans, either. Find out why using a co-borrower just may get you the funds you need and help you repair your credit at the same time.
Stafford Loans
The federal Stafford Loan comes in two types – subsidized and unsubsidized. Both of these are relevant to all students, even those with bad credit or no credit. The truth is, credit doesn’t matter with the Stafford loan. This is hands down the most popular, most widely disbursed student loan for undergraduates and graduate level students.
The subsidized Stafford Loan is awarded to financially needy students. If you qualify, the federal government pays the loan interest due every month while you’re in school and for the six-month grace period between graduation and repayment.
The unsubsidized Stafford Loan is available to every student, regardless of need. However, if you are depending solely on the Stafford Loan because of your credit, the loan awards are often meager. This is why so many college students carry multiple student loans, some of them credit-based alternative loans – so they can cover the costs of auxiliary college expenses. And this is where future credit problems often begin to germinate.
Another advantage to the Stafford Loan: you can reapply every school year.
Think Stafford Loans could be your solution? Find out more about subsidized Stafford Loans and unsubsidized Stafford Loans.
Perkins Loans
Good news: the federal Perkins Loan is another solution for poor credit borrowers. Far fewer Perkins Loans are disbursed in comparison to the very popular Staffords and Perkins only those go to the most exceptionally disadvantaged. Still, here’s another government subsidized student loan that requires no credit check. Perkins loans are available for both undergraduate and graduate students. Typical loan awards are between $1,000 and $4,000 for each school year, not to exceed $20,000 total.
Alternative Non-Credit Based Loans
If you are lucky enough to be pursuing a degree in one of the health science fields, such as medicine or nursing, there are student loans specifically designed for health science students that are completely credit-free:
Loans for Disadvantaged Students
Nursing Student Loan Program
Primary Care Loan Program
Loans for Disadvantaged Students
The Department of Health and Human Services sponsors the Loans for Disadvantaged Students program, a low-interest, non-credit based loan, available to socially and/or financially disadvantaged students seeking degrees in approved areas of the health sciences profession. You are required to apply for the Loans for Disadvantaged Students program through the financial aid office of the participating school. They in turn choose the recipients and disburse the loans.
Nursing Student Loan Program
The Nursing Student Loan program provides up to $4,000 per school year to qualifying nursing school students. Loans are low-interest and come with a grace period of 9 months. Recipients must be enrolled at least half-time in an approved nursing program and prove adequate financial need. Applicants file through the financial aid office of the participating school.
Primary Care Loan Program
The Primary Care Loan program is designed to provide auxiliary, non-credit based student loans to those pursuing medical degrees with a focus on primary care. Loans feature a grace period of 12 months. One stipulation is that the recipient must remain practicing primary care for the duration of loan repayment.
Scholarships and Grants
The federal Pell Grant provides grant money to only the neediest of students. The beauty of a Pell Grant is that disbursed funds do not require repayment – they are a gift.
Scholarship and grant money is available from a plethora of sources. Nearly every state government offers scholarship and grant money, if you explore the resources deeply enough. Also, if you are pursuing a specialized degree or doing graduate research work, many professional organizations and associations extend large grants for students in a niche specialty or those conducting research. These institutions will never even look at your credit report.
Loan Consolidation: Control Over Your Debt
If you already have poor credit, the last thing you need is more of the same. Loans that allow you to consolidate your student loans are commonplace and encouraged by most lenders. In the event you are strapped for funds when loan repayment rolls around, you should apply for the federal loan consolidation. The federal Loan Consolidation program allows you to roll all of your federal student loans into one, low monthly payment. In some cases you may cut your monthly student loan debt by 50%. And there is no credit check to consolidate with the federal loan. However, you will notice that your loan repayment period is extended in order to offer such a low monthly payment.
Think you may be a candidate for student loan consolidation? Take our easy self-assessment quiz and find out right now.
When You Must Apply for a Credit-Based Loan
What if your federal loan awards were too lean to pay all of your college expenses and what if you really needed to consider a credit-based private student loan with your bad credit?
There is one strategy that could work: first borrow from a student loan lender, a company that specifically manages student loan and debt, they have scores of loans to fit almost any situation and many offer debt-counseling services. Second, before you apply find someone—a family member or friend—with good credit who would be willing to sign a promissory note as your co-signor or co-borrower. Essentially a co-borrower with good credit agrees to legally vouch for you. This strategy may work; you may qualify for all or part of what you need to cover your school expenses.
If you are able to borrow with a co-signor choose a loan product that features a co-signor release. What is this? Once you enter loan repayment you may be eligible to take over the full responsibility of the loan after you’ve made so many consecutive on-time payments. Quite literally your loan co-signor is dropped from the loan. This is to your advantage, here’s why: consider this a valuable opportunity to be financially responsible. Build or repair your credit when you continue to make full, on-time loan payments.
Repairing Credit with the Help of Student Lenders
Credit counseling is available through many student loan providers, such as Sallie Mae and similar corporations. While these companies are for-profit businesses, they nevertheless have a mission to make higher education possible.
Tip: If student loan providers consistently deny you loans most will also work with you to help you repair your credit.
Finance Mortgage Loans
If I just refinanced my home mortgage, can I finance a new investment property soon after?
I just refinanced my home last month and got a much lower rate and payment. Of course, this means my mortgage was paid off and a new loan was initiated. Does this affect my credit in a way that would hamper me being approved for a mortgage on a new investment property?
Yes it could. Basically the bank is going to review your credit with the house that you just bought taken into consideration. The banks may ask you for a bigger % as a down payment because it is considered an investment property. If you have everything lined up and your debt to income ratio is where it needs to be then you should be fine in buying another home. If you dont have the $ for your down payment or if your past your ratio then the bank will see that your too much of a risk to lend for a second home.
I just refinanced my home last month and got a much lower rate and payment. Of course, this means my mortgage was paid off and a new loan was initiated. Does this affect my credit in a way that would hamper me being approved for a mortgage on a new investment property?
Yes it could. Basically the bank is going to review your credit with the house that you just bought taken into consideration. The banks may ask you for a bigger % as a down payment because it is considered an investment property. If you have everything lined up and your debt to income ratio is where it needs to be then you should be fine in buying another home. If you dont have the $ for your down payment or if your past your ratio then the bank will see that your too much of a risk to lend for a second home.
Finance Student Loans
do you think student finance would find out about my first degree?
(Mainly a question for UK answerers)
I already have a degree in Tourism Management but its not what I really want to do…I got a grant and loan from student finance to fund my students. I loved every minute of Uni but would love to study something which will be more useful to me in the future and give me more security.
I am planning on studying Psychology at Goldsmiths its a four year degree course including a foundation course. I am pregnant at the moment and plan to study maybe september 2008 or 2009. I know that they dont provide grants for second first degrees but I was just wonderin if I didnt mention that I already have a degree would they be able to find out?…I have a different address and I did not go through UCAS for the first one either.
Advice would be really appreciated…I will be giving up work when the baby arrives and will probably claim benefits until I find another job or course will this make any difference to my situation?
You should definatly tell them, they will definatly find out and its not fair to those that actually want to try uni for the first time if you lie, plus being pregnant, its hardly being a good role model for your child to look up to – even if the baby doesnt know about it – wouldnt you feel better if you knew what you were doing wasnt illegal? Cos its fraud you know, with holding information for your own benefit.
Why dont you think about starting an open university degree straight away, that way you can ease your way back in to studying and not have to sign up for a four year course.
Look into doing a masters…
(Mainly a question for UK answerers)
I already have a degree in Tourism Management but its not what I really want to do…I got a grant and loan from student finance to fund my students. I loved every minute of Uni but would love to study something which will be more useful to me in the future and give me more security.
I am planning on studying Psychology at Goldsmiths its a four year degree course including a foundation course. I am pregnant at the moment and plan to study maybe september 2008 or 2009. I know that they dont provide grants for second first degrees but I was just wonderin if I didnt mention that I already have a degree would they be able to find out?…I have a different address and I did not go through UCAS for the first one either.
Advice would be really appreciated…I will be giving up work when the baby arrives and will probably claim benefits until I find another job or course will this make any difference to my situation?
You should definatly tell them, they will definatly find out and its not fair to those that actually want to try uni for the first time if you lie, plus being pregnant, its hardly being a good role model for your child to look up to – even if the baby doesnt know about it – wouldnt you feel better if you knew what you were doing wasnt illegal? Cos its fraud you know, with holding information for your own benefit.
Why dont you think about starting an open university degree straight away, that way you can ease your way back in to studying and not have to sign up for a four year course.
Look into doing a masters…
A Celebrex lawyer
A Celebrex lawyer has experience dealing specifically with claims for injury from taking Celebrex. A Celebrex lawyer deals not only with Celebrex specifically but also has experience dealing with other prescription drug injuries. A lawyer may choose to concentrate on product liability and may specialize in prescription drug injury claims.
A Celebrex lawyer offers many advantages to clients. Having familiarity with drug litigation, injuries,and claims means that a Celebrex attorney will not require as much time to research general aspects of the case. This means that in the event of a recall, claims can be processed faster, and injuries compensated more quickly. Celebrex lawyers understand the ways in which the company will attempt to defend itself. Some Celebrex attornneys already have experience working with the legal team employed by Celebrex on any recall claims, giving your Celebrex lawyer insight into the methods used in the defense of Celebrex claims.
An experienced Celebrex attorney can help you decide the best methods by which to protect yourself and your family. Celebrex lawyers understand the medical risks posed by this drug, and the severity of its side effects. A Celebrex lawyer will usually provide a free consultation to determine whether you have a viable case; many Celebrex lawyers prefer if you bring any available medical information to this consultation. If your case qualifies, Celebrex lawyers will work with your doctor to ensure that you are properly represented and protected. Celebrex lawyers are available in almost every part of the country. Use this site to search for and find an attorney near you.
A Celebrex lawyer offers many advantages to clients. Having familiarity with drug litigation, injuries,and claims means that a Celebrex attorney will not require as much time to research general aspects of the case. This means that in the event of a recall, claims can be processed faster, and injuries compensated more quickly. Celebrex lawyers understand the ways in which the company will attempt to defend itself. Some Celebrex attornneys already have experience working with the legal team employed by Celebrex on any recall claims, giving your Celebrex lawyer insight into the methods used in the defense of Celebrex claims.
An experienced Celebrex attorney can help you decide the best methods by which to protect yourself and your family. Celebrex lawyers understand the medical risks posed by this drug, and the severity of its side effects. A Celebrex lawyer will usually provide a free consultation to determine whether you have a viable case; many Celebrex lawyers prefer if you bring any available medical information to this consultation. If your case qualifies, Celebrex lawyers will work with your doctor to ensure that you are properly represented and protected. Celebrex lawyers are available in almost every part of the country. Use this site to search for and find an attorney near you.
California Criminal Defense Lawyer
Most people who are charged with crimes are surprised by the allegations and quite understandably scared by the experience. Even the most upstanding of citizens can make a mistake by taking rash action and be faced with jail time-perhaps even a decade long sentence! There is no certain type of prisoner or criminal. People who will rely on a California criminal defense lawyer include people of all ages, backgrounds and professions.
What are some of the crimes that a California criminal defense lawyer deals with? A defense lawyer can help accused defendants with charges on Driving under Intoxication, traffic or DMV violations, spousal assault, sex crimes, juvenile law, crimes committed under addiction, assault and battery, pornography and prostitution, Internet crimes, robbery, theft, tax fraud, murder and manslaughter. A California criminal defense lawyer can even help with dismissing prior criminal offenses from your record, which will help in future employment.
When you are charged with a crime there is often an arrest made which can be a very alarming experience. After being released on bond, a California criminal defense lawyer can help you stay out of jail. Face it: during this time, nothing is more important than your freedom and getting back to work and back to your family. This is what a California criminal defense lawyer can offer you.
Facing a California court on your own may be a risk that is simply too costly for you to take. You may feel that you are completely innocent or you may feel that the charges are just. In either event, consulting with a legal professional is absolutely vital to win your case or mitigate your sentence. A California criminal defense lawyer knows the law and the best way to help you through a difficult setting. Contact the website californiacriminaldefenselawyer.org for more information on your legal defense.
What are some of the crimes that a California criminal defense lawyer deals with? A defense lawyer can help accused defendants with charges on Driving under Intoxication, traffic or DMV violations, spousal assault, sex crimes, juvenile law, crimes committed under addiction, assault and battery, pornography and prostitution, Internet crimes, robbery, theft, tax fraud, murder and manslaughter. A California criminal defense lawyer can even help with dismissing prior criminal offenses from your record, which will help in future employment.
When you are charged with a crime there is often an arrest made which can be a very alarming experience. After being released on bond, a California criminal defense lawyer can help you stay out of jail. Face it: during this time, nothing is more important than your freedom and getting back to work and back to your family. This is what a California criminal defense lawyer can offer you.
Facing a California court on your own may be a risk that is simply too costly for you to take. You may feel that you are completely innocent or you may feel that the charges are just. In either event, consulting with a legal professional is absolutely vital to win your case or mitigate your sentence. A California criminal defense lawyer knows the law and the best way to help you through a difficult setting. Contact the website californiacriminaldefenselawyer.org for more information on your legal defense.
Lawyer
A lawyer, according to Black's Law Dictionary, is "a person learned in the law; as an attorney, counsel or solicitor; a person licensed to practice law."[1] Law is the system of rules of conduct established by the sovereign government of a society to correct wrongs, maintain stability, and deliver justice. Working as a lawyer involves the practical application of abstract legal theories and knowledge to solve specific individualized problems, or to advance the interests of those who retain (i.e., hire) lawyers to perform legal services.
The role of the lawyer varies significantly across legal jurisdictions, and therefore can be treated here in only the most general terms.[2][3] More information is available in country-specific articles (see below).
Terminology
In practice, legal jurisdictions exercise their right to determine who is recognized as being a lawyer; as a result, the meaning of the term "lawyer" may vary from place to place.[4]
In Australia, the word "lawyer" is used to refer to both barristers and solicitors (whether in private practice or practising as corporate in-house counsel) but not people who do not practice the law.
In Canada, the word "lawyer" only refers to individuals who have been called to the bar or have qualified as civil law notaries in the province of Quebec. Common law lawyers in Canada may also be known as "barristers and solicitors", but should not be referred to as "attorneys", since that term has a different meaning in Canadian usage. However, in Quebec, civil law advocates (or avocats in French) often call themselves "attorney" and sometimes "barrister and solicitor".
In England, "lawyer" is used loosely to refer to a broad variety of law-trained persons. It includes practitioners such as barristers, solicitors, legal executives and licensed conveyancers; and people who are involved with the law but do not practise it on behalf of individual clients, such as judges, court clerks, and drafters of legislation.
In India, the term "lawyer" is often colloquially used, but the official term is "advocate" as prescribed under the Advocates Act, 1961.[5]
In Scotland, the word "lawyer" refers to a more specific group of legally trained people. It specifically includes advocates and solicitors. In a generic sense, it may also include judges and law-trained support staff.
In the United States, the term generally refers to attorneys who may practice law; it is never used to refer to patent agents[6] or paralegals.[7]
Other nations tend to have comparable terms for the analogous concept.
The role of the lawyer varies significantly across legal jurisdictions, and therefore can be treated here in only the most general terms.[2][3] More information is available in country-specific articles (see below).
Terminology
In practice, legal jurisdictions exercise their right to determine who is recognized as being a lawyer; as a result, the meaning of the term "lawyer" may vary from place to place.[4]
In Australia, the word "lawyer" is used to refer to both barristers and solicitors (whether in private practice or practising as corporate in-house counsel) but not people who do not practice the law.
In Canada, the word "lawyer" only refers to individuals who have been called to the bar or have qualified as civil law notaries in the province of Quebec. Common law lawyers in Canada may also be known as "barristers and solicitors", but should not be referred to as "attorneys", since that term has a different meaning in Canadian usage. However, in Quebec, civil law advocates (or avocats in French) often call themselves "attorney" and sometimes "barrister and solicitor".
In England, "lawyer" is used loosely to refer to a broad variety of law-trained persons. It includes practitioners such as barristers, solicitors, legal executives and licensed conveyancers; and people who are involved with the law but do not practise it on behalf of individual clients, such as judges, court clerks, and drafters of legislation.
In India, the term "lawyer" is often colloquially used, but the official term is "advocate" as prescribed under the Advocates Act, 1961.[5]
In Scotland, the word "lawyer" refers to a more specific group of legally trained people. It specifically includes advocates and solicitors. In a generic sense, it may also include judges and law-trained support staff.
In the United States, the term generally refers to attorneys who may practice law; it is never used to refer to patent agents[6] or paralegals.[7]
Other nations tend to have comparable terms for the analogous concept.
How to Turn Them into Excellent Investment Ventures
What are the Benefits of Buying through Naples Foreclosure Homes and How to Turn Them into Excellent Investment Ventures
If you are on the lookout of a reasonably priced property in Florida, you can find some great bargain deals through Naples Foreclosure Homes. These foreclosure properties are located in some of the best residential areas in the city and are available at unbelievably low asking prices which make them an ideal investment option for home buyers with a modest budget.
Benefits of Buying through Naples Foreclosure Homes
Purchasing a foreclosed property in Naples has multiple advantages as prospective buyers can now find a property in one of the best residential hot spots in the country at a highly moderate price. Some of these which have been listed below:
• Prime housing choices and facilities – Known as the most sought after residential city in Florida, Naples Foreclosure Homes offer a wide range of housing choices from family homes to condominiums which are located in affluent communities having top notch housing facilities.
• High investment potential – Being one of the most affluent cities in the country, investing in a property through Naples Foreclosure Homes will yield home buyers a high returns over a period of time as the real estate prices of this area has a steady and a good appreciating value.
• Famous Golf Courses – Another factor which makes the area an ideal choice for families as well as retired people is the presence of more that 100 golf courses which have been made around the residential areas in the city.
Turning Naples Foreclosure Homes into excellent investment ventures
Listed below is a guideline to landing a suitable property that will make a great investment for home buyers:
• Understand foreclosure buying process – Understanding the process of buying a foreclosure is very crucial which is why buyers should get familiar with the foreclosure rules in the city by consulting local realtors and lawyers.
• Locate the best bargain deals -As Naples Foreclosure Homes are available anywhere between 10 to 40 % below their original prices, locating the best bargain deals will make better your investment venture. Some of the most resourceful avenues for locating value home deals include online listing services, newspaper classifieds and the Collier county office.
• Hire a professional realtor – As the process of purchasing a foreclosure requires considerable paperwork it is advisable that you hire a suitable and experienced real estate agent to do the needful.
• Inspect and appraise the property – Once you have narrowed down on a property get the property inspected for renovation costs and appraise its worth in order to decide if the house has good investment potential.
• Carry out a firm negotiation – Finally, carry out a firm negotiation on the asking prices and urge the sellers to lower the closing costs especially if the property is being sold without any renovation.
There are a host of benefits that are associated with buying a property through Naples Foreclosure Homes. So go ahead and make a smart real estate investment by keeping the above guidelines in mind!
If you are on the lookout of a reasonably priced property in Florida, you can find some great bargain deals through Naples Foreclosure Homes. These foreclosure properties are located in some of the best residential areas in the city and are available at unbelievably low asking prices which make them an ideal investment option for home buyers with a modest budget.
Benefits of Buying through Naples Foreclosure Homes
Purchasing a foreclosed property in Naples has multiple advantages as prospective buyers can now find a property in one of the best residential hot spots in the country at a highly moderate price. Some of these which have been listed below:
• Prime housing choices and facilities – Known as the most sought after residential city in Florida, Naples Foreclosure Homes offer a wide range of housing choices from family homes to condominiums which are located in affluent communities having top notch housing facilities.
• High investment potential – Being one of the most affluent cities in the country, investing in a property through Naples Foreclosure Homes will yield home buyers a high returns over a period of time as the real estate prices of this area has a steady and a good appreciating value.
• Famous Golf Courses – Another factor which makes the area an ideal choice for families as well as retired people is the presence of more that 100 golf courses which have been made around the residential areas in the city.
Turning Naples Foreclosure Homes into excellent investment ventures
Listed below is a guideline to landing a suitable property that will make a great investment for home buyers:
• Understand foreclosure buying process – Understanding the process of buying a foreclosure is very crucial which is why buyers should get familiar with the foreclosure rules in the city by consulting local realtors and lawyers.
• Locate the best bargain deals -As Naples Foreclosure Homes are available anywhere between 10 to 40 % below their original prices, locating the best bargain deals will make better your investment venture. Some of the most resourceful avenues for locating value home deals include online listing services, newspaper classifieds and the Collier county office.
• Hire a professional realtor – As the process of purchasing a foreclosure requires considerable paperwork it is advisable that you hire a suitable and experienced real estate agent to do the needful.
• Inspect and appraise the property – Once you have narrowed down on a property get the property inspected for renovation costs and appraise its worth in order to decide if the house has good investment potential.
• Carry out a firm negotiation – Finally, carry out a firm negotiation on the asking prices and urge the sellers to lower the closing costs especially if the property is being sold without any renovation.
There are a host of benefits that are associated with buying a property through Naples Foreclosure Homes. So go ahead and make a smart real estate investment by keeping the above guidelines in mind!
Cary Real Estate is an Excellent Investment
Cary Real Estate is an Excellent Investment
In the current housing market, real estate may seem like a bad investment. However, there may be one place where anyone can invest safely. Cary real estate, while it may still be risky, is likely to be far more stable than land investments in other parts of the country for several reasons.
As a Cary Realtor may tell you, Cary, North Carolina has a number of city policies in place to maintain the beauty of the city. A beautiful, desirable location is likely to maintain value, even in the face of falling prices elsewhere. Cary real estate is also in a city filled with professionals, more than most cities. The presence of so many, especially in a city with a strong job market may indicate that values for Cary real estate will fight the average.
A Cary Realtor will be able to go into more detail, but the primary reason Cary real estate is a better investment is because of the care and attention given to the historic nature of the city. Because the old buildings are preserved, the new construction is maintained, and growth is managed in a sustainable way, the value of your investment is far better preserved.
Your Cary Realtor can show you exactly what makes Cary different from most cities, and you will probably agree that it is an excellent investment. Real estate has been called the only true store of value; just because prices are temporarily down does not mean they’ll stay that way forever. In fact, it may mean that speaking to your Cary Realtor now while the prices are low will pay off well in the long run.
Demand for housing is certain to strengthen again. The population simply grows too quickly. However, there are several reasons why the housing market in Cary is likely to rise quicker than the rest of the country. As your Cary Realtor can tell you, the demographics of the city are heavily tilted toward young, educated professionals. The job market in Cary is strong and likely to remain so, with a number of recession proof jobs in the mix. Because of this, the demand for Cary real estate is likely to remain strong as the Cary jobs attract more professionals and their families to Cary, North Carolina. Investing now, while prices are slightly depressed, may pay off handsomely in the future.
All in all, investing in Cary real estate has the possibility of being an excellent choice. Speaking to a Cary Realtor now, before the rush returns to the housing market, could be one of the best decisions you have ever made with your money. Cary, North Carolina has a unique commitment to beautification and care for their historic city, meaning that the money you invest is likely to remain safe. There is also a strong job market that, as the city grows, will boost prices for your investment. With a little money set aside for improvements, Cary real estate has excellent possibilities.
In the current housing market, real estate may seem like a bad investment. However, there may be one place where anyone can invest safely. Cary real estate, while it may still be risky, is likely to be far more stable than land investments in other parts of the country for several reasons.
As a Cary Realtor may tell you, Cary, North Carolina has a number of city policies in place to maintain the beauty of the city. A beautiful, desirable location is likely to maintain value, even in the face of falling prices elsewhere. Cary real estate is also in a city filled with professionals, more than most cities. The presence of so many, especially in a city with a strong job market may indicate that values for Cary real estate will fight the average.
A Cary Realtor will be able to go into more detail, but the primary reason Cary real estate is a better investment is because of the care and attention given to the historic nature of the city. Because the old buildings are preserved, the new construction is maintained, and growth is managed in a sustainable way, the value of your investment is far better preserved.
Your Cary Realtor can show you exactly what makes Cary different from most cities, and you will probably agree that it is an excellent investment. Real estate has been called the only true store of value; just because prices are temporarily down does not mean they’ll stay that way forever. In fact, it may mean that speaking to your Cary Realtor now while the prices are low will pay off well in the long run.
Demand for housing is certain to strengthen again. The population simply grows too quickly. However, there are several reasons why the housing market in Cary is likely to rise quicker than the rest of the country. As your Cary Realtor can tell you, the demographics of the city are heavily tilted toward young, educated professionals. The job market in Cary is strong and likely to remain so, with a number of recession proof jobs in the mix. Because of this, the demand for Cary real estate is likely to remain strong as the Cary jobs attract more professionals and their families to Cary, North Carolina. Investing now, while prices are slightly depressed, may pay off handsomely in the future.
All in all, investing in Cary real estate has the possibility of being an excellent choice. Speaking to a Cary Realtor now, before the rush returns to the housing market, could be one of the best decisions you have ever made with your money. Cary, North Carolina has a unique commitment to beautification and care for their historic city, meaning that the money you invest is likely to remain safe. There is also a strong job market that, as the city grows, will boost prices for your investment. With a little money set aside for improvements, Cary real estate has excellent possibilities.
What is Temporary Health Insurance?
Temporary health insurance is a quality, affordable plan of temporary medical insurance designed specifically for people who are temporarily without health insurance. Coverage can become effective as early as tomorrow, be purchased for periods as short as 30 days or up to 180 days, and paid for in one single payment or easy monthly installments.
Ideal protection for persons:
Cobra insurance alternative
Between jobs, laid off, on strike
Attending school or recently graduated - If you are a student looking for student insurance
Employed part-time or temporarily
Waiting for permanent health insurance to begin
Temporarily without health insurance for most any reason
The temporary insurance plans we offer are not an HMO or PPO plan. In the event of a sickness or injury, an insured person may receive treatment from any licensed healthcare provider or facility anywhere in the U.S.
Important Information About Temporary Insurance:
Short term health insurance is a temporary health insurance plan (typically 1 to 6 months) and should NOT be used as a substitute for standard, long-term health insurance. If you would like long term (permanent coverage) click here for quote.
Short term health insurance plans are intended as interim or "gap" coverage, i.e., for people who know, with certainty, that they will have standard, long-term coverage (or coverage through an employer) at a future date.
Short term insurance plans are designed to provide protection from unforeseen illness or injury; they are not meant to cover routine exams, preventive care, dental or eye care, or immunizations.
Short term insurance plans are exempt from HIPAA legislation. This means that when issuing a short term health insurance policy, insurance carriers do not have to: guarantee renewal, guarantee issue, or waive the pre-existing condition limitation for federally eligible individuals.
Most importantly, short term health insurance plans provide coverage for a limited time frame only. Once this time frame ends, you may or may not be able to buy additional health insurance, depending on your health at that point in time.
Ideal protection for persons:
Cobra insurance alternative
Between jobs, laid off, on strike
Attending school or recently graduated - If you are a student looking for student insurance
Employed part-time or temporarily
Waiting for permanent health insurance to begin
Temporarily without health insurance for most any reason
The temporary insurance plans we offer are not an HMO or PPO plan. In the event of a sickness or injury, an insured person may receive treatment from any licensed healthcare provider or facility anywhere in the U.S.
Important Information About Temporary Insurance:
Short term health insurance is a temporary health insurance plan (typically 1 to 6 months) and should NOT be used as a substitute for standard, long-term health insurance. If you would like long term (permanent coverage) click here for quote.
Short term health insurance plans are intended as interim or "gap" coverage, i.e., for people who know, with certainty, that they will have standard, long-term coverage (or coverage through an employer) at a future date.
Short term insurance plans are designed to provide protection from unforeseen illness or injury; they are not meant to cover routine exams, preventive care, dental or eye care, or immunizations.
Short term insurance plans are exempt from HIPAA legislation. This means that when issuing a short term health insurance policy, insurance carriers do not have to: guarantee renewal, guarantee issue, or waive the pre-existing condition limitation for federally eligible individuals.
Most importantly, short term health insurance plans provide coverage for a limited time frame only. Once this time frame ends, you may or may not be able to buy additional health insurance, depending on your health at that point in time.
Insurance Medical Temporary
It seems that fewer and fewer people now total really safe. There was a time when people used the insurance, but now due to high premium temporary health insurance Choose. The current jobs, usually choose temporary insurance, other people this preferred insurance. This type of insurance which will cover temporary. It is very easy and convenient by has. This insurance provides protection against unexpected accidents and illnesses. Verification visits, wellness, prevention, care, vaccines, vision, dental care or routine doctors in this type of insurance. But if you are into the emergency room, diagnostic tests, hospital stay, resettlement or return as cover. You can either the morning or during a period of less than 30 days or cover the 180 days. The allowance is paid in one payment or monthly payment facilities.
Temporary rule health insurance are those that they work part-time or temporary Court, diseases have recently graduated, or are expected to secure from the outset. If there are many restrictions on this type of insurance, and in some areas, but if you want to protect you and your family a sudden illness or accident, it would be the best option, to get a good job and other insurance. Delete instead of no insurance and always fear financial due to an illness or injury, are better secure temporary.
If you believe that your current license of the work, then queries that you may provide to your employer if they have COBRA health insurance. With the help of COBRA, you can make your insurance plan for some time. If not his car can who acquire this COBRA insurance is expensive, but with this you can use the better. In the network based on the Web, you can also search multiple Web sites on the Web, the provision of health insurance. It is an easy way to have health insurance. Review the offer and the prices of multiple companies and select is right for you. It is also more convenient to get insurance. If you are a student or recent graduate, can help protect students who are part of the temporary insurance. It can be online or attend a college or University in your institution or it is or not.
Other than those mentioned above, there are many ways that can temporary insurance. If your company offers this type of health insurance, it is also possible. Or his representative, who specializes in health insurance or a great way for friends and family for advice.
When you have selected the correct, and then agent, check how many days until a temporary insurance to calculate. Also tell your broker that immediately began to secure temporary and the number of days to cover is resolved. Attempts to establish their own risks, you might want to take advantage of pay less premiums. Carefully read the information, the criteria areas covered. Select the policy that not many of the areas of medicine are not. Once you have selected policies, sign the papers. You need copies of any documents and give his cousin agent that control of the name of the insurance company. If the directive is correct or not carefully check or all personal information and ensure that also the time to, it is all areas that have been submitted within the specified period.
Temporary rule health insurance are those that they work part-time or temporary Court, diseases have recently graduated, or are expected to secure from the outset. If there are many restrictions on this type of insurance, and in some areas, but if you want to protect you and your family a sudden illness or accident, it would be the best option, to get a good job and other insurance. Delete instead of no insurance and always fear financial due to an illness or injury, are better secure temporary.
If you believe that your current license of the work, then queries that you may provide to your employer if they have COBRA health insurance. With the help of COBRA, you can make your insurance plan for some time. If not his car can who acquire this COBRA insurance is expensive, but with this you can use the better. In the network based on the Web, you can also search multiple Web sites on the Web, the provision of health insurance. It is an easy way to have health insurance. Review the offer and the prices of multiple companies and select is right for you. It is also more convenient to get insurance. If you are a student or recent graduate, can help protect students who are part of the temporary insurance. It can be online or attend a college or University in your institution or it is or not.
Other than those mentioned above, there are many ways that can temporary insurance. If your company offers this type of health insurance, it is also possible. Or his representative, who specializes in health insurance or a great way for friends and family for advice.
When you have selected the correct, and then agent, check how many days until a temporary insurance to calculate. Also tell your broker that immediately began to secure temporary and the number of days to cover is resolved. Attempts to establish their own risks, you might want to take advantage of pay less premiums. Carefully read the information, the criteria areas covered. Select the policy that not many of the areas of medicine are not. Once you have selected policies, sign the papers. You need copies of any documents and give his cousin agent that control of the name of the insurance company. If the directive is correct or not carefully check or all personal information and ensure that also the time to, it is all areas that have been submitted within the specified period.
What is a free American singles dating service?
Free American dating service is to help American singles who live in American country as well as other countries to find a friend, a partner, a lover, relationship, or marriage. First, you need to fill in brief details about yourself on our American dating website. After you finish the registration process, you'll have a free membership so you can contact with lots of online American personals at our site for free. You can register your profile, post your photo (s), and start contacting other members. The main purpose of our free American dating service is to provide members an opportunity to know other members. After you knew other members and exchanged emails with each other, you are on your own. We provide this service for free to help you to find a good soul mate. Remember, this is a free American dating web site that provides free American dating service for singles. I only ask you to send me a message when you found a dating soul mate from this American dating website. In fact, I am very happy every time I receive a successful love story that come from this American dating agency. So, Ladies & Gentlemen, please do not forget to share with me when you found a nice lady or a good guy from this American dating web site.
American dating women are the best women to get married with. They are beautiful, hard working, and they maintain and try to support their family relationship, respect their husbands, and usually let their men lead the family. When you meet with a American girl, you will see what I am talking about here, and will see American ladies are the most pretty women on the world. We want to say the beauty of American women who are beautiful and gentle, patient and respectful to the Connecticut custom; that is, they take a good care of their husband and children. Women in America respect their men or their husband from the time they know their men until falling in love, and get married, and become the wives, they always respect the love that is giving by their husbands. A American woman usually does not get divorced if she has an unfaithful husband because she always try to work it out to maintain her family and raise her children.
Our American Singles Dating & American Personals includes these benefits: - Free American Singles for online singles.
- Free two-way matching American Dating Service.
- Thousands of online American Singles join daily.
- Join us today to enjoy all benefits at our American Dating Site.
American Singles Dating & Personals
Our American singles service connects single men around the world with pretty single American women for dating and marriage. We not only help American man to find a American woman for dating, European men seeking single American women, but also single American men seeking American women for marriage. Our online dating service is a great way to start your search and it is 100% free American personals services. We do not provide fancy features such as chat rooms, instant messaging, or video systems, we focus mainly on USA dating service to help American singles who live in USA or America to connect with each other without a fee. We have thousands of American women looking for relationships and marriage.
Our USA personals service also help to find pen pal or chat from Western men who are interested in American women or USA culture. Each single USA lady at our online dating service posted her online personal ad or photo profile by herself so it makes you search for the perfect USA women pretty simple and easy. One photo worth 1000 words. This is true. You should post your online personal ad with picture to increase your chance in searching from online singles. In fact, dating personals search more on dating profiles who have photo(s). Please only upload your own photo on your dating singles profiles. We will remove and ban all members who post fake photos. Other pay dating sites may charge you a monthly fee but our online dating website does not charge you anything. We just want to help single men to find online single USA personals and we are doing this for free. We are happy whenever a member from our USA dating site send us a message saying that he/she finds a great partner. Please do not forget to share with us your successful love story that generates from our American dating service.
We help you by providing this free USA dating personals service. You should help us back by reporting us any profile that violates our terms of service from this online dating service. In other words, if you receive any message asking for money to buy airplane tickets, travel, telling their sob stories, please report to us right away. Most of messages like this are online dating scams who try to make money out of you. If you are not sure about it, then ask us first. Our USA dating website is 100% free so you never have to pay anything when posting, searching, and interacting with all other dating personals.
Our USA personals service also help to find pen pal or chat from Western men who are interested in American women or USA culture. Each single USA lady at our online dating service posted her online personal ad or photo profile by herself so it makes you search for the perfect USA women pretty simple and easy. One photo worth 1000 words. This is true. You should post your online personal ad with picture to increase your chance in searching from online singles. In fact, dating personals search more on dating profiles who have photo(s). Please only upload your own photo on your dating singles profiles. We will remove and ban all members who post fake photos. Other pay dating sites may charge you a monthly fee but our online dating website does not charge you anything. We just want to help single men to find online single USA personals and we are doing this for free. We are happy whenever a member from our USA dating site send us a message saying that he/she finds a great partner. Please do not forget to share with us your successful love story that generates from our American dating service.
We help you by providing this free USA dating personals service. You should help us back by reporting us any profile that violates our terms of service from this online dating service. In other words, if you receive any message asking for money to buy airplane tickets, travel, telling their sob stories, please report to us right away. Most of messages like this are online dating scams who try to make money out of you. If you are not sure about it, then ask us first. Our USA dating website is 100% free so you never have to pay anything when posting, searching, and interacting with all other dating personals.
How successful is the process of laser hair removal?
Don't pay attention to false and misleading claims by so called experts. Patients will achieve varying degrees of success. The application of these laser energies to the skin results in almost complete removal of all actively growing hairs. The number of hairs that are permanently removed as a result of one treatment can vary. Part of the difficulty in eradication of unwanted or excess hair lies in the fact that the follicle has tremendous regenerative capabilities and that these recuperative powers are highly variable from individual to individual and from one anatomic site to another.
In most instances multiple treatments are necessary in order to achieve permanent hair reduction and in some instances treatment may fail to permanently remove all the hair in a given anatomic site. In order to understand the process it is important to understand the biology of hair growth itself. Hair growth cycles are divided into three phases. The anagen follicle or growing hair is the major target for laser energy and represents the most vulnerable phase of the hair growth cycle. Telogen or resting hairs are not actively growing and appear to be more resistant to the laser energy. The transitional phase between anagen and telogen phases known as the catagen phase is brief but also relatively resistant to laser removal.
Depending on the body site, various percentages of hairs are in the anagen, catagen and telogen phase. As a result, it is necessary to treat a given anatomic area more than once in order to attempt to achieve permanent hair removal. Since the anagen phase is most vulnerable, a period of one to three months between treatments is necessary to allow the resting or telogen phase hairs to once again enter the anagen cycle and become more sensitive to the laser energy.
In most instances multiple treatments are necessary in order to achieve permanent hair reduction and in some instances treatment may fail to permanently remove all the hair in a given anatomic site. In order to understand the process it is important to understand the biology of hair growth itself. Hair growth cycles are divided into three phases. The anagen follicle or growing hair is the major target for laser energy and represents the most vulnerable phase of the hair growth cycle. Telogen or resting hairs are not actively growing and appear to be more resistant to the laser energy. The transitional phase between anagen and telogen phases known as the catagen phase is brief but also relatively resistant to laser removal.
Depending on the body site, various percentages of hairs are in the anagen, catagen and telogen phase. As a result, it is necessary to treat a given anatomic area more than once in order to attempt to achieve permanent hair removal. Since the anagen phase is most vulnerable, a period of one to three months between treatments is necessary to allow the resting or telogen phase hairs to once again enter the anagen cycle and become more sensitive to the laser energy.
Hair Removal in Maryland
The Laser Center of Maryland has effective technology for laser hair removal. The Apogee and Long Pulse Yag lasers remove more hair in five seconds than an hour of electrolysis. You can have hair removed from your back, shoulders, neck, chest, underarms, bikini lines, and even toes! The hair is removed by using a specific wavelength of laser light that passes harmlessly through the skin. The light is absorbed by the hair follicles and causes the follicles to become disabled; this impairs the ability to grow hair.
The Apogee and Long Pulse Yag lasers are designed to selectively treat only the hair follicle while leaving surrounding skin unaffected. Large areas can be treated in a short amount of time. Hair removal often requires several treatments for best results. Our newest laser, Long Pulse Yag, treats all types of skin pigment.
What are other ways to remove hair?
Until now electrolysis has been the only long-term method for the removal of unwanted hair. This method can be uncomfortable, time consuming, and the results are dependent on the skill of the electrologist. Less permanent methods include shaving, plucking, depilatories, and waxing.
What makes these lasers better than other methods of hair removal?
The Apogee and Long Pulse Yag lasers are designed to selectively treat only the hair follicle while leaving surrounding tissue unaffected. We can treat large areas in a short period of time. For instance, a back may take 1 hour to completely treat. The procedure is fairly comfortable with a very low risk of complication.
How do lasers remove hair and is it painful?
Body hair is removed when a specific wavelength of laser light is passed harmlessly through the skin to the hair follicle. The light beam changes into heat and disables the hair follicle. You get the benefit of a follicle that no longer produces hair! Hair removal is quite comfortable; however, we prescribe a cream to numb the area before treatment. It’s our goal to keep you comfortable.
How much does it cost for hair removal?
The cost for hair removal and other laser procedures depends on the diagnosis, size, and area being treated. For your convenience, we offer you a free skin exam with full-price disclosure. Please call us at 410-544-4600 to set up your free consultation.
How many treatments will it take?
The laser works by disabling hair follicles that are actively producing hair at the time of treatment. Since the follicles are producing hair at different times, several visits may be necessary for the results you want.
The Apogee and Long Pulse Yag lasers are designed to selectively treat only the hair follicle while leaving surrounding skin unaffected. Large areas can be treated in a short amount of time. Hair removal often requires several treatments for best results. Our newest laser, Long Pulse Yag, treats all types of skin pigment.
What are other ways to remove hair?
Until now electrolysis has been the only long-term method for the removal of unwanted hair. This method can be uncomfortable, time consuming, and the results are dependent on the skill of the electrologist. Less permanent methods include shaving, plucking, depilatories, and waxing.
What makes these lasers better than other methods of hair removal?
The Apogee and Long Pulse Yag lasers are designed to selectively treat only the hair follicle while leaving surrounding tissue unaffected. We can treat large areas in a short period of time. For instance, a back may take 1 hour to completely treat. The procedure is fairly comfortable with a very low risk of complication.
How do lasers remove hair and is it painful?
Body hair is removed when a specific wavelength of laser light is passed harmlessly through the skin to the hair follicle. The light beam changes into heat and disables the hair follicle. You get the benefit of a follicle that no longer produces hair! Hair removal is quite comfortable; however, we prescribe a cream to numb the area before treatment. It’s our goal to keep you comfortable.
How much does it cost for hair removal?
The cost for hair removal and other laser procedures depends on the diagnosis, size, and area being treated. For your convenience, we offer you a free skin exam with full-price disclosure. Please call us at 410-544-4600 to set up your free consultation.
How many treatments will it take?
The laser works by disabling hair follicles that are actively producing hair at the time of treatment. Since the follicles are producing hair at different times, several visits may be necessary for the results you want.
att call conference
At&t is largest provider of long distance and local calls in the United States and it has million customers. The other services the company offers are internet services and wireless services. The company was first founded in and later merged to have the present name. Initially, it was called the South Western Bell corporation and the headquarters were in St Louis Missouri. The company has grown over the years and saw it win a technology and engineering Emmy award for coaxial cable development. One of their advanced technology is the At&t Call Conference. The service enables you to make conference calls without having to leave the comfort of your home. There are several calling plans you can have.
You can have the flat rate calling plan where the benefits are many and they include a flat monthly rate which is easy to administer, it can be of groups and it is available all the time. Their technology for this is very advanced and they provide quality and value for money. There are several other reasons why you should choose them. They provide an easy to use conferencing service which will meet all your needs for a At&t Call Conference. The first thing is that there is instant access unlike many other companies where you have to wait for days. When you need to hold a conference call, they will take only minutes to have you on the line.
This keyword combination seems to have poor grammatical structure. It is mainly targetted at larger business who would be interested in buying conference call technology from AT&T. Obviously, only certain types of businesses would even be interested in conference calls, which allows multiple people to participate in a group meeting without having everyone in the same room. So why they high price for this keyword combination? Well, quite clearly, because this technology has very high profit margins. The technology has already been developed, and the cost of production of telephones and computers and software to handle this stuff is pennies. They just need customers, and they are willing to pay a lot of money for a potential customer.
This page of ATT Call Conference information is intended to show you why it is a high paying keyword, so you might be able to understand what you'll need to know to make a website centered around it. Other sites just give you a list, I am just trying to explain why each keyword is on those lists. I do not claim to be a ATT Call Conference expert, and I encourage you to do your own research. The price for each keyword comes from a variety of high paying keyword lists, and I do not guarantee it is accurate at the time of your visit. It is the average price paid to get that keyword listed in the advertisers results. It is not the price that adsense pays per click. That price fluctuates and is against their terms to disclose.
You can have the flat rate calling plan where the benefits are many and they include a flat monthly rate which is easy to administer, it can be of groups and it is available all the time. Their technology for this is very advanced and they provide quality and value for money. There are several other reasons why you should choose them. They provide an easy to use conferencing service which will meet all your needs for a At&t Call Conference. The first thing is that there is instant access unlike many other companies where you have to wait for days. When you need to hold a conference call, they will take only minutes to have you on the line.
This keyword combination seems to have poor grammatical structure. It is mainly targetted at larger business who would be interested in buying conference call technology from AT&T. Obviously, only certain types of businesses would even be interested in conference calls, which allows multiple people to participate in a group meeting without having everyone in the same room. So why they high price for this keyword combination? Well, quite clearly, because this technology has very high profit margins. The technology has already been developed, and the cost of production of telephones and computers and software to handle this stuff is pennies. They just need customers, and they are willing to pay a lot of money for a potential customer.
This page of ATT Call Conference information is intended to show you why it is a high paying keyword, so you might be able to understand what you'll need to know to make a website centered around it. Other sites just give you a list, I am just trying to explain why each keyword is on those lists. I do not claim to be a ATT Call Conference expert, and I encourage you to do your own research. The price for each keyword comes from a variety of high paying keyword lists, and I do not guarantee it is accurate at the time of your visit. It is the average price paid to get that keyword listed in the advertisers results. It is not the price that adsense pays per click. That price fluctuates and is against their terms to disclose.
Home Loan Refinancing Secrets
If you’re considering home loan refinancing there are several things you’ll want to know to avoid overpaying. Did you know that all of the mortgage rate quotes you get online or get from your local bank or broker include hidden markup? This is the reason almost all of your neighbors are throwing away thousands of dollars for no good reason. Here are several of my best home loan refinancing tips that blow the doors of your lender’s dirty little secret.
Home Loan Refinancing Pitfalls
Most financial gurus categorize home loan as retail products and this is somewhat true; however, you don’t have to accept retail markup of your home loan. With the exception of banks (we’ll talk about the problems with bank originated home loan refinancing in a moment) home loans come from wholesale lenders and are arranged by brokers and mortgage companies that act as retailers. At least this is what they’d like you to believe. The truth is you’re already paying that mortgage company or broke a perfectly reasonable origination fee for arranging your home loan and any markup of your interest rate when home loan refinancing to collect a commission from the lender is not only unnecessary but drives up your monthly payment by as much as $1200 a year.
How does this unnecessary markup of your interest rate work? Loan originators like your mortgage broker collect a fee known as Yield Spread Premium from lenders for locking and closing your home loan refinancing with a higher than necessary interest rate. This is the mortgage industry’s dirty little secret. Brokers and other loan originators have an incentive for overcharging you and this kickback can be quite expensive. Question your broker about Yield Spread Premium and you’ll find them on the defensive, telling you not to worry about a fee that isn’t coming out of your pocket. What your broker isn’t telling you is why the lender pays them Yield Spread Premium and what it does to your monthly payments.
The Problem That is Yield Spread Premium
The Problem with Yield Spread Premium is what this markup does to your mortgage payment. Here’s an example to illustrate my point. Suppose your home loan refinancing is for $325,000 and the broker quotes you a mortgage rate of 6.0%. You agree to pay a 1.5% loan origination fee which means you’ll pay the broker $4,875 at closing for their work. First of all, don’t get me wrong, the broker deserves to get paid for their work; however, one percent is more than reasonable in this case. In this example the origination fee should not be more than $3,250. Where this example of home loan refinancing gets ugly is what your broker isn’t telling you about the mortgage rate. Your lender actually approved you for a 5.25% interest rate; however, the broker marked it up to six percent to collect a three percent commission from the lender.
You can learn more about wholesale home loan refinancing by checking out my free underground mortgage refinancing videos.
Home Loan Refinancing Pitfalls
Most financial gurus categorize home loan as retail products and this is somewhat true; however, you don’t have to accept retail markup of your home loan. With the exception of banks (we’ll talk about the problems with bank originated home loan refinancing in a moment) home loans come from wholesale lenders and are arranged by brokers and mortgage companies that act as retailers. At least this is what they’d like you to believe. The truth is you’re already paying that mortgage company or broke a perfectly reasonable origination fee for arranging your home loan and any markup of your interest rate when home loan refinancing to collect a commission from the lender is not only unnecessary but drives up your monthly payment by as much as $1200 a year.
How does this unnecessary markup of your interest rate work? Loan originators like your mortgage broker collect a fee known as Yield Spread Premium from lenders for locking and closing your home loan refinancing with a higher than necessary interest rate. This is the mortgage industry’s dirty little secret. Brokers and other loan originators have an incentive for overcharging you and this kickback can be quite expensive. Question your broker about Yield Spread Premium and you’ll find them on the defensive, telling you not to worry about a fee that isn’t coming out of your pocket. What your broker isn’t telling you is why the lender pays them Yield Spread Premium and what it does to your monthly payments.
The Problem That is Yield Spread Premium
The Problem with Yield Spread Premium is what this markup does to your mortgage payment. Here’s an example to illustrate my point. Suppose your home loan refinancing is for $325,000 and the broker quotes you a mortgage rate of 6.0%. You agree to pay a 1.5% loan origination fee which means you’ll pay the broker $4,875 at closing for their work. First of all, don’t get me wrong, the broker deserves to get paid for their work; however, one percent is more than reasonable in this case. In this example the origination fee should not be more than $3,250. Where this example of home loan refinancing gets ugly is what your broker isn’t telling you about the mortgage rate. Your lender actually approved you for a 5.25% interest rate; however, the broker marked it up to six percent to collect a three percent commission from the lender.
You can learn more about wholesale home loan refinancing by checking out my free underground mortgage refinancing videos.
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