Saturday, July 21, 2012

Home Loan Modifications - The 5 Eligibility Requirements

Modification of a Wells Fargo, Chase, Bank of America (Countrywide) loan is a great option for homeowners struggling to meet their financial obligations. One of the remarkable features of loan modification is "reduced loan interest rates".


"Wells Fargo" loan modification is based on the negotiation between you as a borrower and your lender on your current loan. If you are an existing customer who is not able to pay your loan back due to our own financial crisis and loss of income, Wells Fargo will help you to protect you from such crisis. There are many factors that you need to you to keep in mind before you try to process your application for modification.


First, you have to go through Wells Fargo lending criteria to know your eligibility for obtaining a loan modification. You may have a chance for the loan, but you have to properly submit all your documents according to the terms, conditions and guidelines set forth by Wells Fargo. First you have to submit your income document -very important step. Your loan will be approved according to all your financial conditions. Essentially you will have to submit your three years income tax return, six months bank statements and some other required documents relating to your income. You should not submit any kind of fake information or documents to Well Fargo.

Upon verifying of all your documents and information they will go to the next step in sanctioning your modification terms. You should always keep a constant check on your file status. You have to call your lender frequently to create some pressure on your lender to take care of your loan.


The chase bank mortgage loan modification is really a great relief for suffering homeowners in saving their homes from auction due to non-repayments of their monthly dues. As a borrower, the bank will instruct some user friendly terms and conditions which you have to follow. Usually the bank insists that you default a payment before requesting a modification and then they will assign one or two representatives to speak with you about the loan modification. You should attend discussions with representatives with your last two months' bank statement and income tax statement along with the pay slips. In addition you will have to submit a hardship letter. By submitting these documents, the bank will find out a suitable plan to avoid defaults.


There are some simple steps which you have to follow for a Countrywide Home Loan Modification. When you apply for modification of your loan, you have to create a checklist of all information, forms and essential documents that will be needed from your bank or mortgage lender. This will help you to save a lot of time and frustration in the future.

As a borrower, you should set up a new family and personal budget so that after modifying your loan, you will be able to consistently make payments on time-this payment should be an amount which you can easily afford. You need to minimize possible expenditures when creating this budget for a lender such Countrywide. It is important to all lenders that you are able to pay the new monthly payment after a loan modification.

You should write a detailed "Financial Hardship" letter stating your financial problems. In this letter you have to clearly note the debts you have, your monthly income, and the facts about your financial situation. These documents are for convincing the lender that the loan modification is the best action for them to take. You have to explain any causes of your financial hardships and what will be done to prevent such things from happening in the future. By doing so, you will be creating an impression that you will never miss another mortgage payment and they will be more likely to approve your modification request.

After completing and sending in all the paperwork and applications, the lender will scrutinize these documents and will finally call you for direct discussion. During that time, make sure that you have a copy of the documents that you have sent your lender. They will question you about your paperwork and further verify your request and all supporting documents.

If you follow all the above procedures correctly, you will have a much greater chance of obtaining a Mortgage from your chosen lender.

Cheap Car Hire Cape Town

Cape Town is blessed with as many discount car rental companies as Johannesburg has, although the market is not as large. We have searched for a cheap car rental company that has discounted car hire in Cape Town, which will also let you rent a car with no credit card even if you are a backpacker/student and only 18 years old and have just received your drivers licence. Discount Student cars are hard to come by, as the norm in Cape Town's car rental industry has been that you were only able to rent a car if you were 23 years of age or in some cases 25 years old and in the possession of a credit card. On top of that, you had to be the owner of the credit card. Now, some car renters have tried to get discount car hire using someone else's card, yet this is deemed as fraud and can not be accepted by any car rental company. We found no cheap car rental for cash in our internet search. We have however, identified a need for hiring cars with no credit card and did some research. We discovered that people were searching for 'credit card car rentals in Cape Town', as well as 'cash car rental Cape Town airport'.

There is a new trend in Europe, one that is spreading to other parts of the world. Shops, retailers and international companies are accepting fewer credit cards; instead they prefer you to pay by debit card or cash. A recent survey from major international retail stores in Europe revealed that this trend is increasing with the result being that a growing amount of visitors to Cape Town and South Africa are in need of a discount car hire in Cape Town; and are not able to rent a car as they do not own a credit card. Drive Africa has made it our mission to source and find reputable companies in Cape Town that can offer either discounted cash car rentals or debit card car rentals at very attractive prices ( in addition, to also keep their cash deposits to a minimum). To rent a car in Cape Town with discount was difficult to find.

This in itself was quite a mission, as every car rental company we approached was reluctant to offer their cars for rent to backpackers or students in Cape Town without the security of a local or international credit card. We approached some of the smaller cheap car hire companies in Cape Town and convinced them that this product is needed in Cape Town. This is a trend which stems from Europe and it is only going to increase. An increasing amount of foreign visitors to Cape Town would be looking to make use of discount car hire for cash or would like to use their debit cards for paying their rental car. Some rental companies listened to us and we were able to convince them to allow cash car hire for students and backpackers for discounted car hire in Cape Town with a few provisos' that they set. Click here for further information pertaining to cheap car hire in Cape Town.

The discount rental company would need proof of residence while visiting Cape Town, as they will take a copy of the air ticket, ID or passport and take cash deposit to secure the cheap car hire with no credit card. We have therefore identified some companies and are now able to exclusively offer discount car hire to our clients, namely students in Cape Town, a package only available to Drive Africa at this stage. We have made sure that even the cheapest car hire or low priced car rental that we offer on our website has all the correct, government approved insurances that come with the rental, so that if you have an accident or your car is stolen while you are renting it, it is always correctly insured to completely covers you. Remember, these are not 4x4 rental cars. Please go to 4x4 hire South Africa and choose the car of your choice that suits your needs.

So if you hire a car from Drive Africa using cash or your debit card, you can hire with peace of mind knowing that that the cheap car rental in Cape Town that you were searching for is right here, allowing you to book with confidence. Drive Africa also has a financial guarantee in place as well as being proud members of Cape Town Tourism and members of the Tourism body SATSA (Southern Africa Tourism Services Association) that has a financial guarantee in place for renters of Drive Africa and they in turn have bestowed our site with the international website body Dot Travel approved sites stamp. They assure through their accreditation, that we are a fully fledged car rental company offering discount car hire and are not just a virtual company on the internet. A bonus is that the minimum age for student car hire in Cape Town or a backpacker car rental is 18 and all you need is a valid driver's license; as there is no minimum time that you have had to have your driver's license for.

We welcome you to Cape Town, and especially to come and rent a discount car in Cape Town from us. This will definitely make your stay an unforgettable one.

Friday, July 20, 2012

Obtaining Approvals For Second Chance Checking Accounts Online Successfully - The Top Benefits

Creating and submitting an application for a second chance checking account online is perhaps the easiest method to get an account started. Most financial institutions today have internet websites. This way, you save yourself time from visiting the bank physically which could take a few hours depending on the crowd.

In several cases, sending in a digital application is also essentially the most practical way. Some finance institutions may have very few branches in a state. It may be a good hour's drive one-way before you get to the nearest local branch. With the high gas costs, it is definitely expensive. Plus, it also very time depleting. Furthermore, some second chance banking institutions only do business online, so the only approach to open the account is on the web, which fortunately also happens to be one of the most effective.

Prior to you starting on the online application, it could be a good suggestion to check on the benefits that you will get with the account of choice. Also read the web site and when you have any question, you may want to read the frequently asked questions section for answers. Some of your concerns may not be the same as others so if you feel that you need extra explanation on something, you can ask the customer support phone line or contact representatives via e-mail to obtain clarification. You can check the availability of ATMs near you on the list provided. Don't rush through. Take time to understand every thing that you have gone through before you click to apply.

As soon as you have understood every thing and are completely ready to apply, click on the second chance checking accounts online application link or banner. We will to go over what the typical steps needed are. Every second chance bank is different, so expect some differences amongst different banks.

In most online applications, as soon as you choose to start the application, you will be directed to a start section that lists for you several actions that will be needed for the application. The first step to come up is typically the disclosure in which you'll agree to the areas the bank may or can disclose the details you supply them. You will find boxes for you to tick 'yes' or 'no' answer which you will answer yes should you want them to use the details for their advertising or other purposes. Just click 'no' should you feel otherwise.

Right after that is carried out, you'll be required to sign electronically and agree that you have accepted to receive information and that you intend to supply your information honestly. One crucial step to remember would be to print out a copy of the disclosure and application along with your signature before submitting the application online. When you have your signature on it, it indicates you have accepted the terms and conditions. This becomes a contract.

It is best to be honest and complete in providing all needed information. The more complete your answers, the less annoyance it might be for the back and forth down the road. Arguably, having nobody to assist oneself when filling in an application could the principal drawback to most in terms of opening an account online. Nevertheless, a lot of people are able to manage it.

Last but not least, to complete the second chance checking accounts online application, you might be asked to provide 1 or 2 forms of identification, conceivably copies of your driver's licence or other recognized photo IDs. Some banks may require notarized copies to be sent over. You may be asked to mail the application to the second chance bank and wait for some time for it to be processed. As soon as the application is approved, you ought to get an email approval. There may be a couple of final steps before the second chance account is officially opened. But by and large, you would have gotten the confirmation you need - that your application has been accepted and approved.

Thursday, July 19, 2012

With Structure And Purpose: A New Approach To Regulating Medical Marijuana

The Ohio Medical Cannabis Act of 2012

This Amendment exempts Ohio's sick and dying those with specific debilitating medical conditions and symptoms from all criminal and civil penalties. Patients must obtain a written recommendation from their doctor to use medical cannabis, register with the state, and follow the provisions of this Amendment.

Known as patients, they must apply for and obtain a photo identification registry card entitling them to use, buy, possess, and transport a maximum of two hundred grams of usable cannabis. Patients may also cultivate up to twelve mature cannabis plants to alleviate their suffering. A patient can designate a caretaker a family member, roommate or person with their medical power of attorney, twenty-one years or older to buy, posses and transport medical cannabis for the patient under their care.
A New State Agency Modeled on a Familiar Framework

The Ohio Medical Cannabis Act of 2012 creates governmental bodies to regulate, control and enforce the mission of this proposed Amendment. The Cannabis Commision is designed to prevent access to medical cannabis by those not authorized to use it, while reying upon and mirroring existing laws in the Ohio Revised Code.

Our ammendment mirrors the proven regulatory business structure of the Ohio State Liquore Controll Board. While the infrastructure may be similar, the rules and regulations to be applied are specificly written for the strict controll of medical cannabis. A well regulated, state-wide system governing the cultivation, manufacture, distribution and sale of medical cannabis for the sole benefit of Ohio's sick and dying, provides the strongest form of protection for patients and the citizens of Ohio.

Modeling a regulatory system upon existing, proven law provides "uniformity of legislation," which further increases the degree of protection for patients, caretakers and their providers of medical cannabis.

The Ohio Liquor Control Board and their governing laws, now 77 years old, are well known and understood by Ohioans, police departments, prosecutors, the courts and local elected officials. This uniformity of legislation leaves no legal gray areas. There are 77 years of legal precedence from which the courts can draw opinions. Therefore there is little chance for misunderstandings and confusion over how these laws will work for medical marijuana. This will dramatically reduce the chances of anyone being improperly arrested and prosecuted when following the law.
The Ohio Commission of Cannabis Control

This commission is empowered to oversee the Division of Cannabis Control, the Superintendent of Cannabis Control and to create rules and regulations necessary to fulfill the mission of the Ohio Medical Cannabis Act of 2012. The commission's core infrastructure is based upon the Ohio Commission of Liquor Control. By serving the public interest in this fashion, the Amendment relieves the Ohio General Assembly from having to dedicate time and effort to developing it's own unique rules and regulations through legislation.

While the governing infrastructure of the Ohio Commission of Cannabis Control is modeled off of the Ohio Commission of Liquor Control, the rules to be enforced are by no means the same and are written to greatly support the rights of patients while preventing access for recreational use and protecting those providing this medication.
The Commissioners and How Appointed

The Governor will appoint nine commissioners from a list of expert candidates presented by the reprisentatives of Ohio's seven medical colleges, the Ohio Agricultural Research and Development Center, and the Ohio Bar Association, and from applications submitted by patients, medical cannabis cultivators and entrepreneurs. Other representatives of the state will also be seated as non-voting ex-officio members, so as to represent all stakeholders in the state: law enforcement, public health officials, the Attorney General, the Ohio Senate, and the Ohio House of Representatives.

To the greatest extent as possible, due in part to how these commissioners are chosen, this commission will be science-based, objective, practical and devoid of the partisan and political discrimination.
The Ohio Division of Cannabis Control

Based upon the Ohio Division of Liquor Control, this body will assist the commission by establishing standards, putting in place the regulatory staff and enforcing the laws and rules related to the business of cannabis in the state using trained agents acting in the same manner as liquor control agents.

All agents will be trained and each must attend and obtain certificates from educational organizations, like Oaksterdam University, showing that they have studied and fully understand all the issues involved in the field of medical cannabis.

The Division of Cannabis Control, like the Division of Liquor Control will accept, review and issue all permits. This includes developing a system to provide patients, caretakers and commercial permit holders with confidential registration photo identification cards and creating a secure, confidential verification system for use by law enforcement.
The Superintendent of Cannabis Control

Appointed by the Director of the Department of Commerce, this individual will be responsible for operating the Division of Cannabis Control.
An Exceptional Standard of Excellence

This proposed system of regulatory bodies contains all the checks and balances required to assure the public interest is well served. The Commission, Superintendent and Division of Liquor Control, with its 144 employees, is today considered one of the most effective and efficient state governmental bodies in the United States. This level of excellence has made Ohio's liquor agency a subject for privatization by Ohio Governor Kasich.

By following this excellent regulatory model, with uniformity of legislation, we are assured the Commission, Superintendent and Division of Cannabis Control will serve the public interest with an equal standard of excellence.
Keeping Black-Marketers Out of the Business

A concern is the assurance that those participating in the state's new medical cannabis programs are safe, both legally and from the harms associated with the black-market.

We do not want people involved in this program who are willing to break laws in order to enhance the ill-gotten proceeds of their illegal trade. Organized crime, violence, theft, fraud, blackl, etc. will have no place, nor opportunity in this new program designed to benefit the sick and dying of Ohio.

To assure these criminal elements are excluded requires regulatory vigilance and dedicated enforcement; the same used to govern and regulate Ohio's liquor laws, of which have worked well for over 77 years.
Background Checks and Fingerprinting

The Ohio Division of Liquor Control issues 24,000 liquor permits each year to Ohio businesses. To obtain a liquor permit, the applicant must submit fingerprints and have a background check conducted by the Ohio Bureau of Criminal Identification and Investigation (BCI) and Federal Bureau of Investigation (FBI). Again, by adopting uniformity of legislation, we mandate the same for those applying for commercial permits from the Ohio Division of Cannabis control.
Excluded Felony Offense

The Ohio Division of Liquor Control excludes all persons with felony convictions from obtaining a liquor permit. Special consideration for a permit applicant with a felony conviction on a case-by-case basis is permitted and we propose the same.

A person convicted for felony marijuana crimes is excempt if the conduct which lead to their prosecution would likely have been legal under the provisions of this ammendment. For example, a chronically ill person convicted of treating themselves with medical cannabis will be allowed to apply for a permit. Also, a person convicted in another state for a felony marijuana crime will be exempt from this rule if that crime would be considered a misdemeanor in Ohio, or if the completion of sentence occurred more than ten years prior to the application for a permit.
Local Option Laws

To assure these proposed laws are thoroughly enforced, there will be uniformety throughout the state. We understand that local officials will appreciate not being forced to develop their own laws, rules and regulations for medical cannabis.The need for local legeslation in other medical marijuana states, has lead to many complications. We avoid this and consequently save our state's 2,800 independent political bodies of 20,000 elected officials from effectively re-inventing the wheel.

We realize that some localities in the state may wish to not allow medical cannabis retail establishments. Just as townships may not wish to permit the sale of spirituous beverages, citizens may ban there presence using the same Local Option Laws designed to designate a "Dry" township. If this is the case, voters of a precinct may elect to place upon their local ballot a measure giving the voters in that precinct the right to choose.
Non-Discriminatory Banking

In order to better regulate and control the business of medical cannabis in Ohio, this Amendment mandates all banks licensed by the Ohio Department of Commerce provide the same banking services to medical cannabis commercial permit holders as any other customer. Banks are not mandated under this initiative to provide loans.

The Ohio Medical Cannabis Act of 2012 will provide Ohio's sick and dying safe access to medical cannabis for the treatment and alleviation of their pain and suffering.

Patients will be allowed to possess 200 grams of usable cannabis (presently a misdemeanor with a maximum penalty of 30 days in jail and/or 0 fine). Patients may also cuultivate 12 mature cannabis plants. The cost of a patient ID card will be no more than double the cost of a drivers license [a maximum of roughly today]. Patients from other medical cannabis states with a valid ID will be recognized in Ohio and must adhere to the provisions of this ammendment.

Aside of the freedom from arrest and imprisonment by the state, there is no more important right for a patient than the Health Insurance Portability and Accountability Act (HIPAA). In short, this federal law ensures the rights of patients to keep private and confidential all information regarding their health, healthcare practices and their doctor patient relationships.

This Amendment guarantees to patients the rights to keep all information, records and data concerning aspects of their medical conditions and use of medical cannabis private and confidential. No person or state agency shall force a patient to waive their HIPAA rights, either by inducement or mandate.
Qualifying Medical Conditions

All federally approved medical conditions for the use of medical cannabis covered under the federal Compassionate Investigational New Drug program, begun in 1978 and continuing to this date, including but not limited to:

Multiple Congenital Cartilaginous Exostosis
Multiple Sclerosis
Nail-patella Syndrome
Human Immunodeficiency Virus (HIV) and Acquired Immune Deficiency Syndrome (AIDS).

Added to the Amendment are:

Any terminal patient or person with a terminal condition
Agitation of Alzheimer's Disease
Amyotrophic Lateral Sclerosis
Celiac Disease
Crohn's Disease
Hepatitis C
Post Traumatic Stress (PTSD)
Sickle Cell Anemia
Rheumatoid arthritis
Injury or disease to the spinal cord, spinal column, or vertebra; or the treatment of these conditions.
Those suffering from a "Debilitating medical condition."

"Debilitating medical condition means one or more of the following: All federally approved medical conditions for the use of medical cannabis covered under the federal Compassionate Investigational New Drug program, including but not limited to: cachexia or wasting syndrome; severe or chronic pain; severe or chronic nausea; seizures, including those characteristic of epilepsy; and severe or persistent muscle spasms.

The Commission may add new medical conditions to the qualifying list and individuals can petition the Commission to consider an additional medical condition.
Special Circumstances for Non-Qualifying Medical Conditions

A physician may petition the Commission's Medical Committee to allow a patient under their care whose medical condition is not listed as qualifying, but feels medical cannabis might provide a benefit, to obtain an ID. This allows for numerous "orphan" diseases and rare medical conditions that doctors often have difficulty treating, to qualify a patient for a medical ID card. Under these circomstances, the Commission may approve or deny the petition, or require the doctor to submit follow up reports and/or specify the unique conditions.

As an example, topical applications of medical cannabis have shown remarkably positive results in tests as a treatment for the often fatal, antibiotic-resistant MRSA disease. This is due in part to the strong antibiotic properties in some cultivars of cannabis that initiate apoptosis, or regulated cell death. In this case, the Commission may grant the ID, allow an ID with a limited expiration date, or limit the patient to only purchasing topical ointments containing medical cannabis.
For Terminal Patients and Patients with a Terminal Condition

Being terminally ill for any reason or cause, is listed as an official medical condition in our Amendment. This is a first for medical cannabis laws in the United States!

A "terminal condition" means that, even though there may be times when a condition is in remission, in all likelihood it will eventually lead to death. In this circomstance, the patient may obtain a permanent patient ID card without the required expiration and renewal requirements.
The Caretaker

A caretaker, as defined in this Amendment, is a patient's family member, a person who lives in the same residence as the patient, or a person holding the patient's medical power of attorney who is age twenty-one years or older and agrees to assist their patient with the medical use of cannabis. Caretakers may obtain a confidential registration identification card allowing them to purchase, posses and transport medical cannabis for the patient under their care. This Amendment recognizes the special and extraordinary responsibilities taken on by one who cares for the sick and attempts to make their lives easier. A caretaker may also apply for a patient ID card in assistance of their patient.
Patient ID Cards - No Waiting

This Amendment allows a patient to obtain a confidential registry photo ID card the same day they obtain a written certificate from their doctor and to obtain medical cannabis that same day. Patients may apply for and obtain their ID card from their local Deputy Registrars Office. The patient can, if they choose, mail an application to the Division and wait for a response.
A Seasonal Outdoor Cultivation Permit

This Amendment recognizes that the often expensive costs for medical cannabis can be dramatically reduced if the patient is able to cultivate their own medical cannabis. It also recognizes that Ohio's climatic and soil conditions are among the finest on earth for cultivating cannabis. As such, this Amendment allows the Division to issue a special seasonal permit to patients, allowing them to keep the total harvest from a yearly outdoor cultivation of 12 mature cannabis plants for personal use. The patient may keep the entire harvest, even though a seasonal harvest might produce more useable cannabis than otherwise allowed under the 200 gram limit.

Patients are not required to obtain an outdoor cultivation permit cultivate 12 mature cannabis plants, but they cannot exceed the 200 gram limit for usable medical cannabis. If a patient wishes to grow their own medical cannabis, they must designate their cultivation site on their yearly patient application form.
Driving while Under the Influence of Drugs (DUID)

Patients shall not be permitted to drive while impaired under the influence of medical cannabis. The penalties are sever and rightly so. However, this ammendment states that until and unless the National Highway Traffic Safety Administration develops and mandates standardized tests for operating a vehicle under the influence of cannabis, a registered qualified patient shall fail a generally accepted field sobriety tests given by law enforcement personnel, which shall be captured on a video recording devise for court proceedings, before the patient can be suspect of driving under the influence;

A provision in our state's DUID laws regarding the presence of metabolites from a controlled substance in the blood, offers the following exemption, The person obtained the controlled substance pursuant to a prescription issued by a licensed health professional authorized to prescribe drugs. For the purpose of this Amendment we change the word prescription to written recommendation.
The Patient / Employer Relationship

Ohio is an "At Will" state and you can be fired for showing up late, or your choice of attire. However, there are specific anti-discrimination laws that prevent an employer from disciplining or firing their employees for race, sex, age, etc. and the Ohio Medical Cannabis Act adds new anti-discrimination language that prevents workplace abuses and allows a medical marijuana patient to bring suit if they were blatantly discriminated. However, workplace use of medical marijuana can be banned and the proposed law also provides clear language for employers to assure and protect their companies and fellow employees from any harm. Also, it will not protect a medical marijuana employee who is in a safety-sensitive position, i.e. transportation, law enforcement, etc
The Limits of Our Amendment for Patients

Due to the State's prohibition against the recreational use of marijuana and the blanket federal prohibitions in general, this Amendment requires certain provisions we would rather not impose upon the sick and dying. But to make this system work, to protect patients from the evil of the black-market, and to provide the best possible protections for the citizens of Ohio, this Amendment proposes certain compromises.
A Sales Tax on Medical Cannabis

Culinary herbs are the only herbs exempt from sales tax in Ohio and cannabis isn't a culinary herb. Cannabis would be listed as an herb or other botanical and classified as a dietary supplement that is taxable. Medical cannabis will be taxed the same as all other non-culinary herbs sold in the state, suck as bloodroot, St. John's worth, goldenseal, wormwood etc.

For cannabis to be listed as a medicine and exempt from Ohio sales tax requires the creation of specific regulations by the US Food and Drug Administration, and this Amendment unfortunately doesn't apply to federal agencies.

Keep in mind that the estimated annual purchases for medical cannabis in Ohio will help create upwards of 10,000 new jobs, and the funds paid in county and state sales taxes will pay for hundreds of city and state employees.
Limit on Patient's Purchase of Medical Cannabis to 60 Grams
Preventing the diversion of medical cannabis to the black-market and into the hands of those unauthorized to use it.

The Ohio Division of Liquor Control sets the minimum price of beer to reduce the possibilities of diversion. Beer could be sold for 10 cents a can, but that would encourage people to buy and resell for a profit. This would allow it to get into the hands of children. We do not wish to allow the Commission of Medical Cannabis to set the price of medical cannabis in Ohio. However, we understand the wisdom to control pricing as a means to help prevent diversion. This is another instance of uniformety of legeslation.

Patients will be allowed to posses up to 200 grams, roughly half a pound. If they could purchase that amount, they would rightly expect and get a dramatically reduced wholesale price.

In order to help prevent patients from arrest, legal entanglements and involvement with the black-market, this Amendment limits the amount allowed to be purchased by patients and their caretakers to 60 grams. It doesn't matter if a patient purchases 200 grams in one day from four different sources, but obviously, they will not receive a dramatically discounted wholesale price for their multiple purchases.
The Cultivation of Medical Cannabis in Ohio

All medical cannabis grown in Ohio must be kept in an enclosed and locked facility. An enclosed and locked facility means a room, building, greenhouse, or garden, equipped with locks and kept locked whenever the cardholder is away. Outdoor cultivation sites must also be screened to obstruct the view of cannabis plants from the outside at ground level.

Patients may grow up to 12 mature cannabis plants and are not required to obtain a commercial cultivation permit.

Mature cannabis plant means a cannabis plant that has undergone botanical sexual differentiation as shown by having flower buds that are readily observable by unaided visual examination with the excemption of perscription eyeware.

Immature cannabis plant means a cannabis plant that has not yet undergone botanical sexual differentiation and therefore not a mature cannabis plant.

Cannabis plants, useable cannabis, etc. shall not be shall not be seized or forfeited if possessed according to the rules of this Amendment and This Amendment shall not prevent the seizure or forfeiture of cannabis or cannabis plants which exceed the amounts allowed under this Amendment,
Commercial Cultivation Permits

Except for patients who grow their own, all medical cannabis cultivated in Ohio will be limited to those obtaining yearly permits from the Division.

Individuals, age twenty one years or older, free of any excluded felony convictions and holding a valid vendor's license, may apply for a yearly commercial cultivation permit.

If grown in an area zoned residential, the permit limits the grow to a maximum number of mature cannabis plants allowed by the sum of two patients. If grown in an area zoned for agriculture, commercial enterprises or industrial activities, the permit limits the grow to a maximum number of mature cannabis plants allowed the sum of eight patients.
Classification of Commercial Permits Issued by the Division

A Designated Cultivator: This is known in other states by the euphemism of caregiver. The fee for this permit will be double the cost of a driver's license () for each registered qualified patient the designated cultivator registers under their permit and up to a maximum of eight patients will be allowed. Designated Cultivator Permit Fee: from to 0, depending on the number of patients served.

A Medical Cannabis-Infused Product Manufacturer: These products include traditional tinctures, oils, lotions and edible products etc. These non-smoked products are extremely important to many patients.

This cultivation permit allows a maximum number of mature cannabis plants equal to the number allowed for eight patients.This permit also allows the holder to contract with another holder of a cultivation permit to obtain sufficient amounts of cannabis to manufacture their cannabis-infused products.

An applicant for this permit must have their manufacturing site inspected for cleanliness and sanitation by the applicant's local Department of Public Health and licensed by Department of Agriculture, depending upon the nature of the products being manufactured. A copy of the site inspection and the food preparation license is required for application.

Additional regulations require products be sealed and labeled with a list of all ingredients used in the manufacture and the label to clearly read, This Product Contains Medical Cannabis. These products are not exempt from sales taxes. Cultivation Permit Fee . Operation Permit Fee .

An Agricultural Cooperative: This state chartered, not-for-profit organization allows patients, caretakers and volunteers to work together. They can cultivate cannabis plants and distribute useable cannabis only to the registered qualified patient members of the cooperative. The organization shall not possess more useable cannabis nor cultivate more mature cannabis plants than allowed the sum of its patient membership. Cultivation Permit Fee . Operation Permit Fee .

A Scientific Research Laboratory: This permit holder tests cardholders' cannabis for purity, cannabinoid content, horticultural contaminants, etc. It also allows for the research and development of new and useful cultivars of cannabis and selling seeds, germplasm, cuttings and clones. This does not allow the sale of useable cannabis. This permit allows growing no more mature plants than allowed for eight patients.

The reason for creating a permit for the combination of testing cannabis and germplasm research is to encourage the capital investment in scientific equipment for testing, which would also be extraordinarily useful for the development of new and useful cultivars and to provide an addition income stream to help pay off the hefty expense of the scientific equipment. Cultivation Permit Fee . Operation Permit Fee .

A Safety Compliance and Educational Facility: This permit allows an organization to do any and all things allowed under this Amendment, including the use of medical cannabis by registered qualified patients for demonstration purposes on the grounds of the registered premises. Its goal is to provide the highest value and worth of an educational experience to cardholders, interested individuals and employees of the division and department. This cultivation permit allows the cultivation of no more mature cannabis plants than allowed eight patients. This permit does not allow the sale of useable cannabis.

Only seven permits in this class will be issued and locations will be spread around the state. Cultivation Permit Fee . Operational Permit Fee ,563

A Medical Cannabis Retail Establishment: The requirements to obtain these permits are extensive and there are a limited number of permits allowed. The application and the process for granting these permits are not easy. Applications will be reviewed, weighed and scored by the division, then turned over to the commission who will pick the best applicants for permits.

The cultivation permit follows the same rule required of vineyards by the Ohio Division of Liquor Control. The permit holder shall cultivate no less than sixty percent of the usable cannabis they dispense to patients and may obtain a maximum of forty percent of their usable cannabis by contracting with other cultivation permit holders.

A few regulations of note include: just like our state's liquor laws, the location of a retail establishment may not be within five hundred feet of a school, church, library or public playground; the types of signage and advertising have certain restrictions; security, safety and record keeping requirements are extensive; and all employees must be licensed and trained. There a lot of dos and don'ts.

The total number of permits initially granted will be 471 state-wide, roughly equal to and following the same formula for the number of State Agency Liquor Stores in Ohio. One is allowed in each county with an additional allowed in each county for each 30,000 citizens in that county. In practice, the total number will be less because nearly half the counties in Ohio do not have a population large enough to support a medical cannabis retail establishment.

Voters may ban a medical cannabis retail establishment using existing Local Option Laws as briefly described elsewhere in this document. Cultivation Permit Fee ,563. Operational Permit Fee ,563.
Contracts Between Permit Holders

Cultivation permit holders may sell useable cannabis, plants, infused products, etc. to other permit holders under specific regulations noted in this Amendment and under reporting rules to be established by the Commission. An excise fee of 1% shall be charged on each transaction conducted between permit holders and paid to the Division.

Commercial permit holders many also obtain additional permits from another class of permits. For example, a co-op may also obtain a cannabis-infused products manufacturing permit.

Pay Day Loan Complaints

Just in case you haven't heard yet, the number of people in the United States who are applying for pay day loans is increasing steadily, and that is particularly true over the past 6 years. It doesn't look like this trend is going to slow down any time soon. Some states have even enacted legislative regulations in an attempt to control the payday loan sector as a response to complaints that have been filled and allegations that some loan companies are engaging in loan shark activities.

When you take a look at the big picture, you will find that there is not an excessively high ratio of complaints in the cash advance loan industry at all. You will even find that one provider of instant loans reports that the incidence of customer complaints is under 4 percent. If you had a mind to, you could flip that around to have it say that there is a 96 percent customer satisfaction rate.

When it comes to the financial products industry, particularly pay day loan products, it is tempting to believe that the most common complaints from consumers would be about predatory lending practices, high interest rates and other types of issues, but you will get a different picture when you take a look at the actual complaints that have been filed.

Following are 3 typical types of complaints that have been filed against cash advance type loan providers.

1. According to research, the number one most common complaint about quick cash loan companies is that they make it simple to apply for a loan online and get approval instantly without also providing an easy way to increase the amount of payments on their websites. While this may seem like a trivial matter, it can be very serious for those consumers who have taken out a payday loan and wish to pay it off more quickly than the terms allow.

2. Late payment fees have to take second place here. Similar to credit card companies pay day loan companies charge a late fee of at least 15%, which can mean that you would be paying on a 0 payment if you were late one day. It seems that these late fees can add up to a significant amount of income for the payday loan industry.

3. Also a common complaint about pay day loan companies is that they do not offer 24-hour support for their customers. Since there is access to the sites where an individual can fill out an application on the payday loan website, there is not that 24-hour support from all providers if you need to contact customer service for assistance during other than normal office hours.

Taking the above into consideration, it is easy to see why so many more people are taking advantage of pay day loans when they need quick money.

Wednesday, July 18, 2012

Commercial Trucks and Safety - Use Backup Warning Devices and Save Lives!

Accidents related to commercial dump trucks commonly happen during the backing-up process. Hearing stories about people getting run over while they are backing is unfortunately not uncommon. The reasons for this happening are certainly varied. The sheer size of the vehicle alone is a big contributing factor. Even with the aid of side mirrors, there are areas to the rear of any car known as blind spots' that are not visible to the driver.

Human Error Factor

Human error is a big contributor to the problem. Ideally, a spotter should be stationed behind the truck to assist the driver when backing up. Unfortunately, on many occasions when accidents have happened, the drivers involved have disregarded the need for a spotter and relied only on their side-view mirrors. This common practice has proven to be dangerous and even fatal.

Available Safety Devices

When considering the issues regarding commercial truck safety, it is important and helpful to know that there are systems that can help improve safety during backing up procedures. Since it is apparent that spotters can be ignored, an alternative to consider are back-up warning devices that can be installed on the vehicle.

Three of the most common backup warning devices that can improve the safety of commercial dump trucks are: a back-up alarm, a back-up sensor and a back-up camera system.

Back-up alarm - A back-up alarm is basically an audible signaling device that is activated whenever the vehicle is put in reverse. The device creates a loud beeping sound set to around 100 decibels to make it audible despite any background noise. The signal is designed to alert anyone around the vehicle, warning them that the truck is backing up.

Anyone working behind the vehicle should then be able to hear the alarm and move away from the truck's path. This feature is standard equipment on most modern commercial vehicles. For models without this device, there are individually available backup alarm systems that can be purchased and installed.

Back-up Sensor - Another system that can improve the safety of a truck while backing up is a back-up sensor. The backup sensor is a device installed on the rear and when put in reverse gear, the sensor automatically monitors for any obstruction on the vehicle's rear end. If there is any object that is detected within the vehicle's path, an alarm located inside the cab automatically activates informing the driver about the obstacle.

Back-up Camera - On some trucks, instead of the conventional back-up sensor and/or alarm, they have a back-up camera system. These systems have a camera installed on the back end of the vehicle and a small LCD monitor in the cab. The camera can monitor everything that is behind the truck, feeding the driver a live image from the rear of the vehicle of anything or anyone that could affect a backing-up procedure.

Safety is always an issue that cannot be ignored. If your commercial dump trucks don't have any of these backup safety systems, now is the best time to have one installed. You can purchase any of these systems and install it to make your truck a safer vehicle.

Monday, July 16, 2012

Ewan Sheriff

Ewan Sherriff is a lawyer based in Dubai, previously for many years in the UK. He allows his private clients to access a variety of documents and files on his client website.

His expertise and services range from Banking and Finance to Private Equity and Ewan has a long line of satisfied customers and clients.

Professional Life
Ewan Sheriff began his traineeship with Alex Morison & Co in September 1990 until the end of August 1992. He had 4 seats during his two years , Wills Trusts and Executries, Residential Conveyancing, Litigation and Commercial Property. It was the latter that took his fancy, long having held an interest in that area Mr Sheriff left for Glasgow to join Semple Fraser Haniford DiCiacca where he worked until May 1993 before being attracted back to Edinburgh by Drew Wallace and David Cockburn of Archibald Campbell & Harley.

He had 8 very happy and rewarding years there carrying out a whole variety of work, commencing with retail tenant leasing for national retailers, taking stores for them in all major new shopping centre developments. Equally, his time at ACH occurred during the retail park boom and in several parks we negotiated to take more than 80% of the available space for their tenant clients. Ewan's work then moved into the investment and development side and when leaving ACH had created a sound client following.

Ewan Sherriff continued his career at Shepherd and Wedderburn between 2001 and 2004 with increasing exposure in the investment and development fields , increasing client following greatly before leaving to head up Property at Dickson Minto in 2004. Whilst there they created one of the best known and high profile real estate teams in the UK carrying out fantastic high profile transactions, quadrupling turnover and team size within 3 years before the market change.

Family Life
Ewan married Kirstin on 6 July 2002 at Cromlix House in Dunblane and took their honeymoon in the south of Spain, travelling a fair bit before ending up in the beautiful city of Seville. Their first child, Niamh was born on 27 February 2004 and they have also been blessed with Ben and Finn who were born respectively on 16 August 2005 and 16 April 2008.
Having long held an interest in the Middle East, travelled there and transacted there the family decided to relocate there at the beginning of 2009, looking for a fresh challenge and a better way of life. The Sherriff family finally moved to Dubai in April 2010 and have never looked back.

Surname confusion
There has been widespread confusion over the spelling of Ewan's surname on the internet, with many publications spelling it Sheriff' when in fact the correct spelling is Sherriff'. This has led to friends and clients unable to find websites operated by Ewan Sherriff and his family.

Saturday, July 14, 2012

The Basic Things To Know About Cars

There are a few things to consider about cars. The first and most important of them is that they need gas in order to run. Being one of the most pressing issues these days, gas prices can reach a very high level, thus making people to give up driving their car in certain situations. The future looks promising, though, and the electric engine will soon replace the internal combustion engine.

Most of the time, people who complain about how much it costs to rent a car are actually unaware that they're able to obtain a discount. As such, they pay the full price and wind up thinking that travelling is something only for the well-to-do. They probably wouldn't grumble as much if they knew about car rental coupons.

Borrowing money has costs and you know it's not a cheap thing, but you don't have any other options. Having a clear idea of how much your loan is going to cost may be not so intuitive because there are fees, charges and the interest rates to consider.

You'll have to pay back more than what you got from the lender, that's the central concept of the entire mortgage industry. You'll be paying them back the amount you got plus interest rates and additional fees and charges.

Between a fixed rate mortgage or an adjustable rate mortgage loan there can be a huge difference in the long run in case interest rates are going to be adjusted a lot (and with such unstable markets you can bet on it).

Before purchasing car insurance, you need to know the basic facts about this complex topic as it poses a vocabulary that is unique to car insurance. This vocabulary makes understanding complex and makes it difficult for people to choose what is right.

It is always a good idea to think about what you will be using your rental car for before you make your choice. For example, if you are traveling for a family vacation, you will need something roomy and comfortable as opposed to something small and sporty

In Texas the minimum amount of liability insurance that you are required to carry to cover for bodily injuries you may cause is ,000.00 per person and ,000.00 per incident. You are also required to carry ,000.00 worth of insurance to cover any property damage you may cause.

Many people forget to research the factory stereo system provided in the car, before going out shopping for a new system. This is important for several reasons, but most importantly it's the size. When you remove the factory stereo, you'll want to find a stereo that has the same measurements. There are ways around this, but it could easily be avoided.

There are many features that can come with your stereo. There are all sorts of technology available. Again, these features will obviously help determine the price so decide what's most important to you.

All three companies make excellent products at very competitive prices. You can certainly buy a GPS system from anyone you choose. I just like to stay with the big companies. It's a personal decision. I want to make sure my device will be supported in the future.

A Little About Loyalty One

In 1992 Loyalty One developed the air miles program and is one of the worlds most successful loyalty cards union. This program works with retailers to change shopper habits and create extensive programs that increase revenue. This program allows shoppers to buy everyday needs and earn miles towards rewards that fit their lifestyle. There are several parts to Loyalty One and working hand in hand they have developed the most successful reward system worldwide.

When this company united with Ontario Power Authority they cost effectively reached two thirds of the households by rewarding them for saving on their energy usage. They also worked with health authorities to give rewards for eating right, exercising and getting healthy. Air miles for social change were created to give customers more choices to better themselves and their communities.

This company has an extensive client list that includes Walgreens, Target, American Express and many more. They have worked with Fortune 1000 since 1981 creating loyal shoppers and increasing revenue. They are continuously defining programs that create better plans for their clients thus changing shopper behavior in a positive note for the company.

Part of this alliance is Precima which helps retailers identify their best shoppers and understand them. They use shopper insights to help retailers and manufacturers increase sales as well as profits. When this plan is placed into effect and starts the supply and demand it increases the company revenue and customer satisfaction which is crucial to succeeding.

Another partnership is with Colloquy which has been the top advisors for many years. Their information on local trends and the opportunities and best practices has long been admired. Their insight in all key industries including retail marketing, travel and financial services has long been respected. They have been cited by the media as giving quick access to the latest information as well as with success.

Direct Antidote is a agency that is focused in the field of customer relationships and the top of the field. They are key participants in the fields of finance, technology as well as many others. This company knows shoppers and how to increase your revenue with information that is critical to customer satisfaction.

Dotz is known for their work abroad bringing customer programs to Latin America. Loyalty One is one of the key investors to Dotz. Not only does this company give information to Dotz they also receive pertinent information on cross cultural trends. They work together to serve abroad consumers with the same benefits as local ones.

Loyalty One started out finding a way to bring retailers the information to make consumers happy which led to the reward program that is known all over. Air miles is a program that rewards consumers for being a loyal customer and allows them to choose rewards for their selves. While participating in the reward program consumers also get the best deals that are related to their shopping needs. When combining all the information Loyalty One wants to be the number one customer appreciation plan in the world.

Thursday, July 12, 2012

Making The Best Out Of Psd To Magento Conversion Services

The concept of e-commerce is not very primitive, but the hype it has created is enormous. People are fast picking up this trend of shopping while sitting in the comfort of their homes. Viewing the immense acceptability the e-commerce concept has received more and more business owners are venturing into this field. This has, in turn, led to an increase in the demand of new e-commerce portals and shopping carts.

Numerous platforms are available in the web arenas that are designed to support e-commerce development. Magento is one such open source platform that has made shopping cart development a manageable process. PSD to Magento conversion caters to all the major needs of an e-commerce portal including those that sell services to those that sell products. As you convert PSD to Magento, you give new dimensions to shopping cart development process. There are several benefits of PSD to Magento conversion that prompts every developer to convert PSD to Magento while developing a shopping cart:

1. User-friendly: It is very important for an e-commerce store to be user-friendly. Not every user will have a technical background, so design your store keeping in mind their convenience too. Make sure that they are able to navigate from one section to the other with ease. Also keep the process of placing an order and checking out simple. Storing basic information like address, phone number etc. is a good idea. This will save the user from the pain of filling in the same information again and again.

2. Customized Development: As you convert PSD to Magento, you get several Magento themes to choose from. You can, however, custom design your website including your website's structure, logo and color scheme. You can design your website as per your taste in Photoshop and then use PSD to Magento conversion for getting a highly customized online store.

3. Flawless Coding: Clean codes play a pivotal role in making your website search engine friendly. PSD to Magento conversion uses semantic coding. This HTML code is well-structured and flawless. This ensures that search engine crawlers can easily scan your website's content and you can get better search engine rankings. Websites built with Magento are compatible with all major browsers including IE, Chrome, Firefox, Safari and Opera.

4. Payment Mode Integration: The biggest drawback that majority of e-commerce stores face is the lack of available payment options. Ensure that you have enough to offer when it comes to payment options. As you convert PSD to Magento you can include variety of payment options such as Internet banking, PayPal, Credit Cards, Debit Cards, E-Cheques etc. As you include these payment modes, however, make sure that you give highest priority to the security of the data user provides on your website.
To design a perfect e-commerce portal it is important to partner an experienced PSD to Magento conversion service provider. There are several IT firms that convert PSD to Magento. Listing down your priority and choosing one of them will a good option for your business.

Wednesday, July 11, 2012

David Montelongo Real Estate Investing Seminar

What a NewbieReal Estate Short Sale Tips

Here are some tips and significant details you need to know about real estate short sales and property flip transactions. When you have to sell something, you never get to sell it for as much as it's really worth. If you don't have to sell it or if you are not in a hurry to sell it, you can usually sell it for a lot more money. If you learn how to play between those two worlds, buying it at the distressed price and selling it at the arm's length value, the spread is where the investor can legitimately make their profit.

Now there are red flags and black flags for improper property flip transactions. The black flag is what kills the deal. The red flag means you need more information. You have to document something. You have to verify something. You have to address something and then that's when you can move on. When you are doing a back to back flip and a short sale, you are going to be paying attention to who is the owner of record. Well the owner of record is the person who is still in foreclosure because you the investor haven't quite bought it yet. You are in the process of being able to buy it and in the process of being able to sell it at the same time.

At least that's the way most short sale investors work, they want to buy it on Monday morning and they want to sell it before lunch on Monday. Or is this what everybody is trying to do? Buy and sell on the same day, make the spreads and go home. Another thing is that if the property seller, that means the investor who is selling the property, for purchase transactions, is not the owner of record means that they currently were not the owner of record. If the property seller for purchase transactions or the borrower for refinance transaction is not the owner of record, the seller must investigate the circumstances of the transaction to ensure that the transaction is legitimate.

When analyzing sales contracts and other documentation it is quite necessary to exercise due diligence. Here's what you can do regarding documenting the legitimacy of the transaction in your mortgage file. Get some pieces of paper including but not limited to the appraiser's analysis and conclusion in their report, a property sales history report. Look carefully for terms indicating that there's been an assignment or the sale of an interest or an option to acquire the property. Find it, document it, and make sure it all makes sense.

David Montelongo who was featured in A&Es hit reality show "Flip This House" is hitting the road to teach aspiring Real Estate investors How to Invest in Today's Market. Now he's coming to show you exactly how he made a fortune! Get more info on David Montelongo Real Estate Investing Seminar at

Tuesday, July 10, 2012

College College student Financial institution Personal loan Deferment

Just simply due to the fact you're accepted to a university doesn't necessarily mean it is possible to pay for it.

However do not be concerned! You are able to attempt to get yourself a higher education personal loan plus a deferment. The bank loan, obviously, will allow you to compensate for university, however the deferment allows you to consider a finite volume of time just before you should make payments in direction of the precept of your loan.

The advantages to this are numerous, and contain being able to focus on reviewing and getting the work you need while keeping up dollars to generate bigger payments in direction of the bank loan. It also gives you a probability to land on your feet at your new work with out being buried inside debt.

Some colleges offer such type of scholar financial institution bank loan where you might get concessions on the interest rates which means you require not pay back the interest that accrued to the mortgage you might have taken.A good number of in the pupil loans however do not have this alternative.There fore you ought to examine all of the elements just before you have a bank loan so as to create sure you obtain the maximum quantity of concessions as effectively as you've got obtained the required qualification.

College university student financial institution mortgage deferment choices are categorized as economic, schooling, public program, incapacity, and family related. You'll locate a variety of skills for each of these deferments including the education deferment that is primarily based in your enrollment standing. The loved ones related deferment applies to moms which are attempting to re-enter the workplace or on parental leave. Disabled college students obtain the incapacity deferment choice as well as the general public services facet goes to students which are inside the Armed Companies, volunteers, Peace Corps, and public well being places of services. If you are suffering from monetary hardships, therefore that you are in a position to obtain the financial deferment.

With so a lot of possibilities obtainable for college university student mortgage loan deferment ideas, there is no reason as to why you'll need to start off investing away from your college scholar mortgage correct away. You really should be ready to acquire a while to acquire settled into your new profession and make certain cash prior to obtaining to worry related to spending away your scholar loans. Once you have figured out which facet of a deferment you qualify for, you can simply place your repayments away for the specified amount of time and sleep easier at evening knowing you won't be accountable for those funds until you have the cash saved up to consider care of them.

Important Tips About Your Credit Report

When a lender takes a look at your credit report, your creditworthiness is being evaluated. What the lender is considering are both your ability and willingness to repay the money that you plan to borrow. Your credit report shows a lot of information both directly and as hints. Thus, it is important to understand what lenders see when they are analyzing your credit report.

Credit history is showed as different entries on your report stating whether you take a loan, cancel a loan, make your payments on time, pay late, miss a payment, request another credit card, apply for a car loan or a home loan, are approved, are rejected, etc. All these entries constitute your credit history and will affect your ability to obtain finance.

Free Credit Report

It is important for you to have up-to-date information about your credit. Thus, you should immediately request a copy of your credit report. Your own credit report must be provided to you for free. Only third parties are charged when accessing your credit report, unless you request a copy of your credit report too often. At least once a year (it depends on local regulations) you are entitled to a free copy of your credit report from each credit bureau.

Your free credit report will include your credit history and all the information that creditors receive when they request your report. Thus, finally, you'll be able to see what others see when they evaluate your creditworthiness. This is important because it will provide you with hints about what you should do to improve your credit score and history.

Avoiding Small Drops On Your Credit Score Due To Inquiries

Multiple inquiries on your credit history can make your credit score drop. However, not all inquiries will affect your credit score equally. Applying for multiple credit cards will affect your credit score the most. Mortgage loans and car loans won't affect your credit score the same way because creditors will infer that you are shopping for a loan, not requesting multiple loans.

Don't Worry About Non-Credit Information

Bear in mind that your credit report doesn't include information that is not related to your credit or financial life. Thus, no racial, nationality, sexual category, marital status, etc. will be taken into account when computing your credit score. Such use of the above mentioned information is strictly forbidden by regulations and there are severe punishments for those who would use it for that purpose.

Additional Information That You Need To Worry About

Though it may not be part of your credit scoring calculations, this information will be included into your credit report and you should concentrate on avoiding negative inputs related to it: The amount of outstanding debt, the number of open credit lines, the balance on credit lines, the ratio between your debt and your income, the ratio of your debt payments, etc. This information is taken into account by lenders when considering whether lending to you is a risky transaction or not. Thus, it will influence your approval and the interest rate and other loan terms in case you are approved.

Monday, July 9, 2012

Credit Repair Secrets: Ways To Receive Better Credit Rating

Do you have a negative credit score? You are not alone in this world. Countless individuals today suffer from bad credit history. If you want to be taken out of that list', you should make an effort to receive better credit rating. Here are some credit repair secrets, in other words tips to improve credit that can help enhance your credit file:

1. Minimize the amount of credit cards that you own.

The more cards you own, the more negative the credit bureaus see you. Besides, if you have several credit-cards, you'll have greater temptation of charging them and using up their limits even if you don't have enough money to pay for those charges. To avoid or eliminate negative credit score, therefore, one of the techniques you should employ is to close the cards you're not using and stick with just one or two that you use for groceries, dining outs, shopping for appliances or furniture, etc.

2. Compute how much you're earning monthly and how much you have to pay for utilities, food, and other expenses.

Another step in gaining better credit rating is to first find out the total amount of money you bring home from work, or from a business monthly. Part of credit repair secrets is to, of course, compute every single thing you have to pay for every month e.g. house mortgage, electricity bill, water bill, credit card balances, and all that. Doing this will pinpoint where you're going wrong and what you need to lessen' for instance movie watching several times a month; food deliveries; and so on, to help take away negative credit score and replace it with a positive one.

3. Search for errors in your credit reports (if any) and have them corrected.

Included in the list of tips to improve credit is to check on your credit history as stored in Credit Bureau databases, in other words, get one copy of the credit file under your name from Trans Union, Experian, and Equifax. Review each report painstakingly and then dispute any mistake or error you have found, in order to be given better credit rating. This is one of the credit repair secrets you should not skip as the possibility of human or system error in the credit bureau data or in the lenders' database really does occur. There are times that the correction of mistakes from credit reports makes the negative credit score disappear.

Other things you can do to enhance credit history include: joining debt reduction programs some banks and financial institutions offer; frequently paying more than the bank's required minimum payment amount; paying a couple of days before your actual due date; and many more. You should not think twice about utilizing the tips to improve credit or the credit repair secrets explained here as those are the steps that can produce better credit rating for you.

Sunday, July 8, 2012

Exactly How Does Magicjack Work, And Why So Cheap?

How does MagicJack Work? People are asking this question along with, why so cheap? People think that this is one of those; too good to be true things, with all the features promised, caller ID, voice mail, call waiting and directory assistance to name off a few.

That's what I thought when I first heard about it. I for one am glad that I took a second look because it has been my home phone since January 2008. This device has saved me at least 96 percent of what I would have paid to my old landline service, so the answer is yes, to the question of DOES MagicJack work.

How does MagicJack Work?

There are two main differences in the way MagicJack works from other VoIP providers.
First - it plugs into your computer like a flash drive and not your modem. This makes the device totally portable and can be taken and plugged into any computer with high speed internet. The one problem with this is your computer must be running at all times to receive calls.

The Magic Jack dongle has within it a small circuit board that has a read only memory chip with preloaded software. Plugging the dongle into a USB port like you would a flash drive initiates a setup process. No software is loaded directly to your computer. Displayed on your computer screen is the soft phone once the setup is complete. The simplicity of this type of VoIP technology makes it so that anyone can use it

Second once the initial price is paid for device and first year of service all local and long distance calls are free. You renew your service once a year for less then 20 bucks to keep service. Monthly fees are nonexistent when calling the US or Canada. Minute rates for international calling can be purchased if needed.

You can start making calls as soon as you plug a phone into Magic Jack. Information and phone numbers can be stored in your contact lists within your soft phone of incoming or outgoing calls. It will show you the number or name of the person who is calling you on the soft phone display. An analog single from your phone is transformed to digital and sent across the internet like an email message.

Why so cheap?

Other VoIP companies need to lease the networks of switches and gateways from telecom companies where Magic Jack does not, making it possible to offer the type of once yearly renewal fee for full phone service.

Dan Borislow is the inventor of MagicJack and founder of YMAX, a CLEC (Competitive Local Exchange Carrier) certified Telecom Company. People pay him for use of his networks where Magic Jack does not. So they make their money from leasing the switches and gateways owned by essentially Magic Jack.

Also for future revenue they may sell the ad space on the space on the soft phone used now to display information about MagicJack.

Wednesday, July 4, 2012

Real Estate Financing

Today, Canadian real estate market is a well-established traditional sector. The total property sector in Canada is totally dependent on the development of population growth in a particular area and on the strength of the investment.

Commercial and residential real estates in Canada offer large number of opportunities to the investors. Here, property investors can target on any one of the developing cities of Canada for real estate investments. Real estate investment in Canada is very much profitable and safe for people who want to invest in real estate. Hence, it is better to take this opportunity and start investing in real estate of Canada for long-term profitable gains.

Our services includes some of the following in our real estate programs:

Find properties that are in demand.
Educate you through the process of Canada real estate investment
Provide you investment opportunities with our Real Estate Investment Education & Training.

You don't need to be an expert to succeed in real estate, what you need is the right mix of education, opportunity and action. We offer a membership package that allows individuals and organizations to meet their demands.

We are committed to providing total customer satisfaction by delivering products & services on time along with assuring quality standards. Our mission is to convert our client's dreams into reality with the highest standards of professionalism, ethics, quality and service.

Benefits of Mortgage Calculators

Mortgage calculators can be crucial for people who are looking into buying a home. While it is nice to think that people can buy a house without having to deal with a mortgage, most people who buy a home require a loan. The numbers and equations in obtaining a mortgage are enough to confuse anyone. Many people simply talk to their mortgage broker or the lender to try to figure out exactly how much a mortgage will cost them. There is a way to be informed on the mortgage as a first step to making any decisions. By using a mortgage calculator, you can figure your payments and basic costs. There are various calculators which can help you in any number of calculations.

What Calculators are available?

There are calculators available for almost any purpose you can imagine, below is a basic list available for mortgage purposes.

Debt Consolidation Calculator Work out the benefits of consolidating your debts.
Cost Calculator Work out how much it's going to cost you to buy your house.
Repayment Calculator What are your repayments going to be?
Borrowing Calculator How much will a lender offer you? This is usually a very general calculator. The only definitive way to assess this is the speak to your lender or mortgage broker.
There are also calculators for car loans, calculating balloon payments, the effect of extra repayment, lump sum repayments and many other purposes.

Know What You Can Afford

The first major benefit of a mortgage calculator is the ability to figure out what you can afford. While many people know what they can afford as far as monthly payments are concerned, they are unsure how interest and everything else plays into the numbers. The mortgage calculator gives you the luxury of playing with the interest rate, amount of deposit, and loan term to figure out what you can afford, and how to arrive at the loan amount that you can afford.

Know What Small Changes Do to your Payment

The next benefit is the simple idea that the mortgage calculator allows you to play with the numbers at will to understand how changes affect your monthly payment. By playing with the different numbers you can figure out the best way to get what you want in a realistic way.

Know your Price Range

When buying a house people often find they are unsure of how much they can afford. How does Interest rate or deposit impact the price they can afford to pay for a house? What is the maximum purchase price? Some people believe they can pay a certain amount, but can actually pay more. Being informed will allow you to buy better and give you an advantage when negotiating with the vendor.

Do Mortgage Calculators have limitations?

Mortgage Calculators are a fantastic resource as a first step to securing a mortgage or buying a house. The simple nature of a calculator is also its greatest limitation; there are many factors to consider in obtaining a mortgage that a calculator does not cover. For example, a calculator does not look into your credit worthiness or the impact a credit default has on the interest rate, or the amount you can afford. It also does not consider or have the ability to work out exact loan costs for your particular situation. Mortgage Calculators should be viewed as a first step asset to obtaining a mortgage, but know they have their limitations.


When using a mortgage calculator, you can begin to educate yourself on what you can afford the basic costs and the benefits of various loan situations. You can have ready access to online calculators or even computer based calculators without dealing with a lenders sales pitch. Calculators are great as a first step to obtaining a loan or a mortgage, but know the limitations. Where possible make a call to a Mortgage Broker or a lender as the next informed step to obtaining a mortgage. When trying to restructure a mortgage, or to entering into a new one, the mortgage calculator can help you understand what you can do, and what you cannot afford.

Monday, July 2, 2012

Private Bad Credit Lenders

Just what is a private bad credit lender?

A private bad credit lender is a company, not connected to a bank that offers personal and mortgage loans to individuals or business owners that have no credit or less than perfect credit.

This type of lending program would be ideal for a the person that has no credit or bad credit and they just want to get approved for a personal or business loan up to ,000.

These types of lenders do not depend on the credit reporting system that all banks and loan companies normally use to process a loan application.

The private bad credit lender would look at an applicant's total financial situation to approve or not approve a loan.

They would take into account how long they have been on there job, there debt and if they have bad credit, what happen to get them to that point.

If a person has no credit or bad credit, a private lender is the only type of company that would be willing to give them a second chance and approve there application for a loan.

What Type Of Loans Do Private Lenders Offer?

Personal Loans Payday Loans Business Loans Home Loans

Generally speaking, most lenders would like to approve a loan with the lowest risk possible.

Unsecured personal loans would be considered a high risk loan, where as, secured personal loans and home loans would be considered as low risk loans.

If you have poor credit and you want to apply for a personal loan, you must show the lender why your credit is the way it is at this point, and why you feel that given you a personal loan would be a low risk for them.

The lender will look over your finances to make sure you can afford to pay the loan back on time. They will add up all of your monthly bills to see what you will have left over once all of your basic bills are paid.

You must be able to afford the monthly payments before the lender will approve your loan.

Work History

A stable work history will greatly help your chances of getting approved for a loan and how much you can get.

The longer you have been on the same job, the better. Changing jobs every year will not help your chances of getting approved. But it is ok if you have changed jobs yearly, if you have stayed in the same line of work.

The main concern of any private bad credit lender would be can you handle the monthly payments for their loan?

Secured Loans

A secured loan would be a lot easier to get approved.

Secured loans are loans that are backed up by something of value, like a home or car.

With a home loan or car loan, if you don't make your payments, the lender can always take the item back and sell it to get there money.

Are You Ready To Apply For A Personal Loan?

If you have no credit or bad credit and are ready to apply for a loan, you should go online to search for a list of private bad credit lenders. You would normally have to pay a fee to get this type of list. Companies invest a great deal of time to put together there bad credit lender's list.

Most bad credit lenders do not advertise their services because they normally have more client's than they can handle.

Once you have located the lenders, you must call each one of them to see if they can work with your current credit situation. They should be able to tell you upfront, if they have a loan program for your type of credit background.

Sunday, July 1, 2012

How to improve your college grades

To be successful in studying for college exams you must first realize that studying for college is very different from studying done in high school. A new, more focused approach must be taken with your college studies. This article will be give your tips on how to study for a college test.

1. In class, record almost everything, don't wait on what you think is important. The teacher may view something as important which you did not, which puts you at a disadvantage.

2. Attempt tutorials and try to attend as many as possible.

3. The repetition of information and the practice will help your memory and your ability to get closer to that A. Practice your tutorials and past papers before an exam.

4. Exam questions are often similar and are sometimes even recycled. Importantly, you should try to practice answering questions without looking at the notes after you have studied a topic.

5. Review the material as soon as you can and review often. Place an emphasis on understanding and thinking about the material rather than mere recitation

6. Try to pinpoint areas which are stressed during lectures. These are areas which your lecturer views as important and you will more than likely be tested on these areas.

7. Keep handouts organized in a folder so it you will waste less time trying to find class material Take a front seat as you will be more focused, less likely to fall asleep and less likely to find people who talk a lot at these positions.

8. Develop your own abbreviations when taking notes. This enables you to save some time and so you can keep up with the lecturer. Be careful, however, not to overdo this.

9. Visualize the material and write down what you need to remember This aids memory as more senses are involved

10. Keep a positive attitude. Visualize getting an excellent grade on your paper. You can make a poster with inspirational quotes, read inspirational stories or you can even listen to positive songs to lift your mood when you feel low. Do whatever you have to do to believe that you will do well on your exam

11. Read information about study skills. Try buying one or borrowing a book from your library or friends.

12. Concentrate during class.Doodling and talking with friends will cause you to lose valuable information and explanations.

13. Time is then wasted by trying to figure concepts which were missed, by reading textbook repeatedly.

14. When you write notes, ensure they are legible. Its easier to read and less time is spent trying to figure what is could be.

15. If there is anything you don't understand go to your lecturer for some help

16. Forming study groups can be very useful. Someone else may understand a topic much better than you do and be able to help you understand it, and of course, vice versa. You should be cautious, however, to invite people who are serious about their work and will not waste your time by idling a lot.

17. Invest some time in personal development. Breaking bad habits such as procrastination, is certainly a wise investment. Using procrastination as an example,you will waste a lot less time in doing things will interfere with getting good college grades