tag:blogger.com,1999:blog-14310900201726592332024-03-05T03:05:00.913-08:00Financial Informatorstreetarthttp://www.blogger.com/profile/10240419579990346984noreply@blogger.comBlogger28125tag:blogger.com,1999:blog-1431090020172659233.post-37625385104362666122015-08-04T14:22:00.002-07:002015-08-04T14:22:19.900-07:00CFPB Outlines Guiding Principles for Faster Payment Networks<h1>
CFPB Outlines Guiding Principles for Faster Payment Networks</h1>
<strong><em>CFPB Wants to Ensure Consumer Protections Are Built Into New Payment Systems From Outset</em></strong><br />
<strong><em></em></strong><br />
Today the Consumer Financial Protection Bureau (CFPB) outlined
guiding principles for protecting consumers as the private sector
develops new faster payment systems. These new systems are aimed at
reducing “pocket-to-pocket” payment times between consumers and
businesses or other entities. The CFPB wants to ensure any new payment
systems are secure, transparent, accessible, and affordable to
consumers. The systems should also have robust protections when it comes
to fraud and error resolution. <br />
<br />
“Companies developing new financial technologies should be building
systems from the outset with consumer protections in mind,” said CFPB
Director Richard Cordray. “It is a lot easier to build something right
from the start than it is to retrofit it. The CFPB will continue our
work to help ensure that financial services marketplaces are safe and
transparent for consumers.”<br />
<br />
When making payments today, consumers generally have multiple options
which include providing cash, writing a check, swiping a credit or
debit card, and entering information online for an electronic payment.
In general, non-cash payments are primarily processed through one or a
combination of payment systems, including the automated clearing house
(ACH), PIN debit, the credit card network, wire network, or check
services. For these non-cash payments, there can be a delay of several
hours to several days between the time a consumer initiates a
transaction and the party to be paid actually receives the money. And
all existing payment systems – including those that involve the exchange
of cash – expose consumers to some risk of loss or security, including
in some cases, risks of unauthorized or fraudulent debits.<br />
<br />
Payment system participants, including payers, payees, providers,
institutions, and operators, are subject to rules and regulations that
specify how the payment system works and ensure consistency and
predictability to all parties involved. Generally, payment networks are
governed by a combination of operator rules, private network rules, and
government regulation. Operators have rules for the banks and other
entities that connect to and use their respective networks. Payment
system participants are also subject to a number of federal regulations,
such as the Electronic Fund Transfer Act. <br />
<br />
While American consumers benefit from and make use of these payment
systems, there remain opportunities to improve efficiency, reduce
transaction costs for consumers, and reduce credit and fraud risks.
There is also greater opportunity for consumers to have real time
information about their account balances so they can know when they do
and do not have funds to transact. <br />
<br />
Companies in the technology and finance fields are currently
developing real-time or near real-time payment systems for the United
States. Regulators, the financial services industry, and consumer groups
are all contributing and weighing in. The CFPB wants to ensure that
consumer protections are at the forefront as new and improved payment
systems are developed. The protections recommended in today’s Consumer
Protection Principles relate to privacy, transparency, costs, security,
and consumer control. They also relate to funds availability, fraud and
error resolution protections, and payment system accessibility.<br />
<br />
<strong>The outline of Consumer Protection Principles is available at:</strong> http://files.consumerfinance.gov/f/201507_cfpb_consumer-protection-principles.pdf<br />
<br />
The Federal Reserve Board and other prudential regulators – including
the Federal Deposit Insurance Corporation, the Office of the
Comptroller of the Currency, the National Credit Union Administration,
and state banking commissions – all regulate payment networks to combat
money laundering and to ensure the safety and soundness of payment
system participants. Other federal agencies, such as the Federal Trade
Commission, also play a role in this space. Notably, the Federal Reserve
has been engaged in an ongoing initiative to improve payment systems. A
recent statement about that effort noted that among other objectives,
the process would work “with payment stakeholders to identify effective
approach(es) to implementing a U.S. payments infrastructure to support a
safe, ubiquitous, faster payments capability that promotes efficient
commerce, facilitates innovation, reduces fraud and improves public
confidence.” streetarthttp://www.blogger.com/profile/10240419579990346984noreply@blogger.com0tag:blogger.com,1999:blog-1431090020172659233.post-18974047129983471952015-08-04T14:21:00.001-07:002015-08-04T14:21:26.004-07:00CFPB Cautions Military Lenders Against Illegal Military Allotment Practices<header class="pagetitle"><h1>
CFPB Cautions Military Lenders Against Illegal Military Allotment Practices</h1>
</header>
<br />
<em><strong>Bureau Puts Companies On Notice After Defense Department Rules Take Effect</strong></em><br />
<br />
<strong>WASHINGTON, D.C. –</strong> The Consumer Financial Protection
Bureau (CFPB) sent letters this month to several companies that sell
retail goods to military servicemembers, advising them to review their
websites and other advertising for potentially misleading marketing and
to review other practices related to payment by military allotment.
Active-duty servicemembers are not permitted to use allotments to pay
for personal property such as vehicles, appliances, and consumer
electronics. The CFPB is concerned that companies that are still
advertising repayment by way of military allotment may potentially be
violating federal consumer financial protection laws. <br />
<br />
“Companies that are still advertising repayment via military
allotment may be violating the law,” said CFPB Director Richard Cordray.
“Companies should give consumers accurate and reliable information so
they can make the best decisions for their own financial situations. We
will continue our work protecting servicemembers and promoting a fair
and transparent marketplace for all consumers.” <br />
<br />
The military discretionary allotment system allows servicemembers to
automatically direct a portion of their paycheck to financial
institutions or people of their choosing. However, military personnel
using the allotment system instead of other automatic payment options
like ACH (Automated Clearing House) can end up losing out on certain
legal protections. <br />
<br />
To better protect servicemembers, the Department of Defense announced
changes to the allotment system last year. The updated regulations,
which took effect in January, prohibit new allotments to purchase, lease
or rent personal property such as vehicles, appliances and consumer
electronics. The regulations do allow allotments made for the purpose of
savings, insurance premiums, mortgage or rent payments, support for
dependents, or investments. Military retirees and Department of Defense
civilian employees were not affected by the changes.<br />
<br />
Offering servicemembers misleading information about payment options
and allowing servicemembers to pay by allotment when prohibited by the
Department of Defense regulations could violate the Dodd-Frank Wall
Street Reform and Consumer Protection Act’s prohibition against unfair,
deceptive, or abusive acts or practices in consumer financial products
or services. The Bureau will continue to look out for the interests of
servicemembers and ensure compliance with all applicable federal
consumer financial laws and regulations.<br />
<br />
The letters advise the recipients that their advertisements may
violate federal law, and that they should review their advertising and
practices relating to military allotments. However, the Bureau’s
letters are not a finding or ruling that the recipients have actually
violated the law.<br />
<br />
The CFPB has taken multiple actions to enforce consumer financial
protection laws against entities whose businesses were largely premised
on receiving payments from servicemembers, often through the military
allotment system. In those actions, the CFPB has recovered over $100
million for thousands of consumers.streetarthttp://www.blogger.com/profile/10240419579990346984noreply@blogger.com0tag:blogger.com,1999:blog-1431090020172659233.post-34269116016561359752015-08-04T14:20:00.005-07:002015-08-04T14:20:44.909-07:00CFPB Orders Discover Bank to Pay $18.5 Million for Illegal Student Loan Servicing Practices<header class="pagetitle"><h1>
CFPB Orders Discover Bank to Pay $18.5 Million for Illegal Student Loan Servicing Practices</h1>
</header>
<br />
<strong><em>Discover’s Illegal Servicing Practices Affected Private Student Loan Borrowers Transferred from Citibank</em></strong><br />
<br />
Today the Consumer Financial
Protection Bureau (CFPB) took action against Discover Bank and its
affiliates for illegal private student loan servicing practices. The
CFPB found that Discover overstated the minimum amounts due on billing
statements and denied consumers information they needed to obtain
federal income tax benefits. The company also engaged in illegal debt
collection tactics, including calling consumers early in the morning and
late at night. The CFPB’s order requires Discover to refund $16 million
to consumers, pay a $2.5 million penalty, and improve its billing,
student loan interest reporting, and collection practices.<br />
<br />
“Discover created student debt stress for borrowers by inflating
their bills and misleading them about important benefits,” said CFPB
Director Richard Cordray. “Illegal servicing and debt collection
practices add insult to injury for borrowers struggling to pay back
their loans. Today’s action is an important step in the Bureau’s work to
clean up the student loan servicing market.”<br />
<br />
Discover Bank is an Illinois-based depository institution. Its
student loan affiliates – The Student Loan Corporation and Discover
Products, Inc. – are also charged in today’s action. Beginning in 2010,
Discover expanded its private student loan portfolio by acquiring more
than 800,000 accounts from Citibank. As a loan servicer, Discover is
responsible for providing basic services to borrowers, including
accurate periodic account statements, supplying year-end tax
information, and contacting borrowers regarding overdue amounts.<br />
<br />
Student loans make up the nation’s second largest consumer debt
market. The market has grown rapidly in the last decade. Today there are
more than 40 million federal and private student loan borrowers and
collectively these consumers owe more than $1.2 trillion. The market is
now facing an increasing number of borrowers who are struggling to stay
current on their loans. Earlier this year, the Bureau revealed that more
than 8 million borrowers were in default on more than $110 billion in
student loans, a problem that may be driven by breakdowns in student
loan servicing. While private student loans are a small portion of the
overall market, they are generally used by borrowers with high levels of
debt who also have federal loans. <br />
<br />
Today’s action demonstrates how Discover failed at providing the most
basic functions of adequate student loan servicing for a portion of the
loans that were transferred from Citibank. Thousands of consumers
encountered problems as soon as their loans became due and Discover gave
them account statements that overstated their minimum payment. Discover
denied consumers information that they would have needed to obtain tax
benefits and called consumers’ mobile phones at inappropriate times to
contact them about their debts. The CFPB concluded that the company and
its affiliates violated the Dodd-Frank Wall Street Reform and Consumer
Protection Act’s prohibitions against unfair and deceptive acts and
practices, and also the Fair Debt Collection Practices Act.
Specifically, the CFPB found that the company:<br />
<br />
<ul>
<li><strong>Overstated the minimum amount due in billing statements:</strong>
Discover overstated the minimum amount due for certain borrowers who
were just starting to pay off their student loan debts. The minimum
payment due incorrectly included interest on loans that were still in
deferment and were not required to be paid. For some borrowers this
overpayment meant diverting payments from other expenses; for others it
meant not paying at all because they thought they could not come close
to making the full payment and instead accrued associated penalties. </li>
</ul>
<br />
<ul>
<li><strong>Misrepresented on its website the amount of student loan interest paid:</strong>
The tax code permits taxpayers to deduct student loan interest paid
during the year under certain conditions. Servicers are required to
provide borrowers with a statement specifying how much the borrower paid
in interest, if it was more than $600. Discover did not provide the
Citibank private student loan borrowers with the customary tax
information form it provided to its other borrowers, unless those
borrowers submitted certain paperwork. For those borrowers who did not
submit that additional form, their online interest statements on
Discover’s website in 2011 and 2012 reflected $0.00 in interest paid.
Discover did not explain that the borrowers were required to fill out a
form to get the correct amount of interest they paid. This zero interest
statement was likely to mislead consumers into believing that they did
not qualify for the student loan tax deduction, potentially causing
consumers to not seek important tax benefits. </li>
</ul>
<br />
<ul>
<li><strong>Illegally called consumers early in the morning and late at night, often excessively:</strong>
Discover placed more than 150,000 calls to student loan borrowers at
inappropriate times – before 8 a.m. and after 9 p.m. in the borrower’s
time zone. Discover learned about these violations in October 2012 but
failed to address the problem until February 2013. </li>
</ul>
<br />
<ul>
<li><strong>Engaged in illegal debt collection tactics:</strong>
Discover acquired a portfolio of defaulted debt from Citibank but failed
to comply with the consumer notices required by federal law. For
example, the company failed to provide consumers with specific
information about the amount and source of the debt and the consumer’s
right to contest the debt’s validity. That information must be provided
during the debt collector’s initial communication or in a written notice
immediately following that initial communication. </li>
</ul>
<br />
<h3>
Enforcement Action</h3>
<br />
Under the Dodd-Frank Act, the CFPB has the authority to take action
against institutions engaging in unfair, deceptive, or abusive
practices. Among the terms of the consent order filed today, Discover
must:<br />
<br />
<ul>
<li><strong>Return $16 million to more than 100,000 borrowers:</strong> Specifically, Discover will: <br />
<ul>
<li>Provide an account credit (or a check if the loans are no longer
serviced by Discover) to the consumers who were misled about their
minimum payments in an amount equal to the greater of $100 or 10 percent
of the overpayment, up to $500. About 5,200 victims will get this
credit;</li>
<li>Reimburse up to $300 in tax preparation costs for consumers who
amend their 2011 or 2012 tax returns to claim student loan interest
deductions. For consumers who do not participate in this tax program or
did not take advantage of earlier ones offered by the company, Discover
will issue an account credit of $75 (or a check if their loans are no
longer serviced by Discover) for each relevant tax year. About 130,000
victims will receive this relief; and </li>
<li>Provide account credits of $92 to consumers subjected to more than
five but fewer than 25 out-of-time collection calls and account credits
of $142 to consumers subjected to more than 25 calls. About 5,000
victims will receive these credits.</li>
</ul>
</li>
</ul>
<br />
<ul>
<li><strong>Accurately represent the minimum periodic payment:</strong>
Discover cannot misrepresent to consumers the minimum periodic payment
owed, the amount of interest paid, or any other factual material
concerning the servicing of their loans. </li>
</ul>
<br />
<ul>
<li><strong>Send clear and accurate student loan interest and tax information to borrowers:</strong>
Discover must send borrowers the IRS W-9S form that it requires them to
complete to receive a form 1098 from the company, and it must clearly
explain its W-9S requirement to borrowers. Discover must also accurately
state the amount of student loan interest borrowers paid during the
year.</li>
</ul>
<br />
<ul>
<li><strong>Cease making calls to consumers before 8 a.m. or after 9 p.m.: </strong>Discover
must contact overdue borrowers at reasonable times. This will be
determined by the time zone of the consumer’s known residence or phone
number, unless the consumer has expressly authorized Discover to call
outside these hours. </li>
</ul>
<br />
<ul>
<li><strong>Pay $2.5 million civil penalty:</strong> Discover will pay $2.5 million to the CFPB’s Civil Penalty Fund.</li>
</ul>
streetarthttp://www.blogger.com/profile/10240419579990346984noreply@blogger.com0tag:blogger.com,1999:blog-1431090020172659233.post-40161664073690115472015-08-04T14:20:00.002-07:002015-08-04T14:20:13.876-07:00Meredith Fuchs Named Acting Deputy Director of the Consumer Financial Protection Bureau<h1>
Meredith Fuchs Named Acting Deputy Director of the Consumer Financial Protection Bureau</h1>
<br />
The Consumer Financial Protection Bureau (CFPB) today announced that
Meredith Fuchs will serve as Acting Deputy Director when Deputy Director
Steve Antonakes departs the agency at the end of July. Antonakes
currently serves as both Deputy Director for the Bureau and Associate
Director for the Division of Supervision, Enforcement, and Fair Lending.
Earlier this month Fuchs announced her intention to step down as
General Counsel, but she will continue to serve as General Counsel and
Acting Deputy Director until a permanent replacement is selected for
each position. David Bleicken, Deputy Associate Director for
Supervision, Enforcement, and Fair Lending, will serve as Acting
Associate Director for that division while a search for a replacement is
conducted.<br />
<br />
“Steve has been an enormous asset to the Bureau, and a great friend
and colleague to me since the early days of the agency,” said CFPB
Director Richard Cordray. “His contributions to this agency have been
extensive in his dual roles as Deputy Director and Associate Director of
Supervision, Enforcement, and Fair Lending and he will be sorely
missed. Meredith’s experience and vision have helped build the Bureau
since before we opened our doors, and I could not be more pleased that
she has agreed to take on the role of Acting Deputy Director. I am
deeply grateful to Steve and Meredith for their contributions to the
CFPB and the American public we serve.”<br />
<br />
<h3>
Steve Antonakes</h3>
<br />
Steve Antonakes’ background includes more than two decades as a
financial services regulator. He first joined the CFPB in November 2010
as the Assistant Director of Large Bank Supervision and was named the
Associate Director for Supervision, Enforcement, and Fair Lending in
June 2012. Antonakes began his professional career as an entry level
bank examiner with the Commonwealth of Massachusetts Division of Banks
in 1990. He served in numerous managerial capacities before being
appointed by successive Governors to serve as the Commissioner of Banks
from December 2003 until November 2010, becoming only the second career
bank examiner to ever serve in that capacity. In addition, he served as
the first state voting member of the Federal Financial Institutions
Examination Council (FFIEC), as the Vice Chairman of the Conference of
State Bank Supervisors (CSBS), and as a founding member of the governing
board of the Nationwide Mortgage Licensing System (NMLS). Antonakes
also received NeighborWorks America’s Government Service Award for his
work in combatting foreclosures in March 2007. Antonakes received a
Bachelor of Arts degree from Penn State University, a Masters of
Business Administration from Salem State University, and a Doctorate of
Philosophy in Law and Public Policy from Northeastern University.<br />
<br />
<h3>
Meredith Fuchs</h3>
<br />
Meredith Fuchs, who will now serve as Acting Deputy Director, is
currently the General Counsel of the CFPB. She joined the Bureau in 2011
as Principal Deputy General Counsel before serving as Chief of Staff to
CFPB Director Richard Cordray. Prior to joining the CFPB, she served as
Chief Investigative Counsel of the United States House of
Representatives Committee on Energy and Commerce. Previously, Ms. Fuchs
held positions as Vice President and General Counsel of the National
Security Archive at George Washington University, a litigation partner
in private practice, the Supreme Court Assistance Project Fellow at the
Public Citizen Litigation Group, and an officer on the D.C. Bar Board of
Governors. She is the recipient of the American Library Association’s
James Madison Award. Ms. Fuchs served as a law clerk for Judge Patricia
M. Wald on the D.C. Circuit Court of Appeals and Judge Paul L. Friedman
on the United States District Court for the District of Columbia. She is
a graduate of the New York University School of Law and the London
School of Economics and Political Science.<br />
<br />
<h3>
David Bleicken</h3>
<br />
David Bleicken, who will now serve as Acting Associate Director for
the Division of Supervision, Enforcement and Fair Lending, is currently
the Deputy Associate Director for that division. He joined the Consumer
Bureau in June 2011 as counsel to Steve Antonakes in his capacity as
Assistant Director for Large Bank Supervision. Prior to that, Mr.
Bleicken was the Deputy Secretary of Banking for Non-Depository
Institutions and Consumer Services at what is now known as the
Pennsylvania Department of Banking and Securities. He is a graduate of
the Beasley School of Law at Temple University and Carleton College.streetarthttp://www.blogger.com/profile/10240419579990346984noreply@blogger.com0tag:blogger.com,1999:blog-1431090020172659233.post-80407531332039017422015-08-04T14:19:00.003-07:002015-08-04T14:19:35.821-07:00CFPB Takes Action Against Mortgage Payment Company And Servicer For Deceptive Ads<br />
<h1>
CFPB Takes Action Against Mortgage Payment Company And Servicer For Deceptive Ads</h1>
<br />
The Consumer Financial Protection Bureau (CFPB) took action today
against Paymap Inc. and LoanCare, LLC for deceiving consumers with
advertisements for a mortgage payment program that promised tens of
thousands of dollars in interest savings from more frequent mortgage
payments. Under the terms of the orders announced today, Paymap will
return $33.4 million in fees to consumers and pay a $5 million civil
penalty to the CFPB, and LoanCare will pay a $100,000 civil penalty.<br />
<br />
“Deceptive advertising has no place in the financial marketplace,”
said CFPB Director Richard Cordray. “Today’s action is delivering relief
for consumers deceived by Paymap and LoanCare, and sending a clear
message that these practices will not be tolerated.”<br />
<br />
Paymap Inc. is a Colorado-based payment processing company, and
LoanCare Servicing is a Virginia-based residential mortgage servicer.
Together, they marketed and provided the “Equity Accelerator Program” –
an electronic payment system that enables consumers to make automatic
mortgage payments via electronic debits from their bank accounts.
Consumers are typically charged an enrollment fee of $295 when signing
up for the Equity Accelerator Program, and a transaction fee for each
automatic debit that Paymap makes, typically $2.50. Since July 21, 2011,
approximately 125,000 consumers enrolled in the Equity Accelerator
Program and paid Paymap $33.4 million in fees. <br />
<br />
Paymap partnered with many mortgage servicers, including LoanCare, to
market the Equity Accelerator to the mortgage servicers’ customers.
LoanCare and Paymap marketed the Equity Accelerator to LoanCare’s
customers in 2012 by sending them solicitations on LoanCare’s
letterhead. Like the other servicers it partnered with, Paymap shared a
portion of consumers’ fees with LoanCare.<br />
<br />
Paymap and LoanCare advertised that consumers who enrolled in the
Equity Accelerator Program would have a new, biweekly payoff schedule
that would lead to significant interest savings because of the more
frequent payments. In fact, the Equity Accelerator Program did not make
more frequent payments on consumers’ mortgages, and, Paymap’s prominent
claims of tens of thousands of dollars in interest savings were made
without any supporting evidence.<br />
<br />
The CFPB found that Paymap and LoanCare violated the Dodd-Frank Wall
Street Reform and Consumer Protection Act’s prohibition against
deceptive acts and practices. Specifically, the Bureau found that
consumers were:<br />
<br />
<ul>
<li><strong>Lured with deceptive promises of savings:</strong> Paymap
made claims on its website such as, “The average customer will achieve
over $33,000 in interest savings” using the Equity Accelerator Program.
However, Paymap had no factual basis to support this claim. Moreover,
only a tiny percentage, if any, of its customers achieved that amount of
interest savings.</li>
</ul>
<br />
<ul>
<li><strong>Misled about when their payments would be applied:</strong>
Paymap and LoanCare told consumers in their direct mail solicitations
that enrolling in the Equity Accelerator Program would change the
consumers’ payoff schedule to “every 2 weeks.” Although Paymap makes
more frequent withdrawals from consumers’ accounts in the Equity
Accelerator Program, it does not actually make more frequent payments on
consumers’ mortgages. Instead, Paymap holds the collected payments in
custodial accounts, and then pays consumers’ mortgages on their original
monthly schedule. Consumers are charged a transaction fee with every
withdrawal. Any interest savings that consumers may achieve through the
Equity Accelerator Program is because they make a higher annual mortgage
payment in the Program, using the same payment schedule as before
enrollment.</li>
</ul>
<br />
<h3>
Enforcement Actions</h3>
<br />
Pursuant to the Dodd-Frank Act, the CFPB has the authority to take
action against companies engaging in unfair, deceptive, or abusive
practices in the consumer financial marketplace.<br />
<br />
Under the terms of the consent order filed today, Paymap is required to:<br />
<br />
<ul>
<li><strong>Pay $33.4 million to consumers:</strong> Paymap will return
$33.4 million to consumers, which represents all fees paid by every
consumer who enrolled in the Equity Accelerator Program since July 21,
2011. Approximately 125,000 consumers will receive refunds.</li>
</ul>
<br />
<ul>
<li><strong>Cease its unlawful advertising and marketing practices:</strong>
Paymap must ensure that its marketing practices comply with federal
law. Paymap is prohibited from advertising any benefits of the Equity
Accelerator Program without credible evidence to support its claims, and
from implying that the program will change a consumer’s regular
mortgage payment schedule. Paymap must disclose that the source of any
projected interest savings through the program is the higher annual
mortgage payment a consumer will make in such a program.</li>
</ul>
<br />
<ul>
<li><strong>Pay a $5 million civil penalty:</strong> Paymap will pay $5 million to the CFPB’s Civil Penalty Fund.</li>
</ul>
<br />
Under the terms of the consent order filed today, LoanCare is required to:<br />
<br />
<ul>
<li><strong>Cease its unlawful advertising and marketing practices:</strong>
LoanCare must ensure that its marketing practices comply with federal
law. LoanCare is prohibited from advertising any benefits of the Equity
Accelerator Program without credible evidence to support its claims, and
from implying that the program will change a consumer’s regular
mortgage payment schedule. LoanCare must disclose that the source of any
projected interest savings is the higher annual mortgage payment a
consumer will make in such a program.</li>
</ul>
<br />
<ul>
<li><strong>Pay a $100,000 civil penalty:</strong> LoanCare will pay $100,000 to the CFPB’s Civil Penalty Fund.</li>
</ul>
streetarthttp://www.blogger.com/profile/10240419579990346984noreply@blogger.com0tag:blogger.com,1999:blog-1431090020172659233.post-87197900003704852922015-08-04T14:07:00.001-07:002015-08-04T14:07:35.151-07:00BlackBerry Annual and Special Meeting Webcast on June 23rd, 2015<h1>
BlackBerry Annual and Special Meeting Webcast on June 23rd, 2015</h1>
<br />
NASDAQ: BBRY; TSX: BB will hold its Annual and
Special Meeting of Shareholders on Tuesday, June 23rd, 2015 at 10am ET
in Waterloo, Ontario. The live webcast can be listened to on June 23rd
at http://ca.blackberry.com/company/investors/events.html.<br />
<br />
<b>About BlackBerry</b><br />
<br />
A global leader in mobile communications, BlackBerry® revolutionized
the mobile industry when it was introduced in 1999. Today, BlackBerry
aims to inspire the success of our millions of customers around the
world by continuously pushing the boundaries of mobile experiences.
Founded in 1984 and based in Waterloo, Ontario, BlackBerry operates
offices in North America, Europe, Asia Pacific and Latin America.
BlackBerry is listed on the NASDAQ Stock Market (NASDAQ: BBRY) and the
Toronto Stock Exchange (TSX: BB). For more information, visit www.blackberry.com.streetarthttp://www.blogger.com/profile/10240419579990346984noreply@blogger.com0tag:blogger.com,1999:blog-1431090020172659233.post-59898883183451182062015-08-04T14:06:00.002-07:002015-08-04T14:06:27.435-07:00BlackBerry Annual and Special Meeting Webcast on June 23rd, 2015<h1>
BlackBerry Annual and Special Meeting Webcast on June 23rd, 2015</h1>
<br />
A global leader in mobile communications, BlackBerry® revolutionized the
mobile industry when it was introduced in 1999. Today, BlackBerry aims
to inspire the success of our millions of customers around the world by
continuously pushing the boundaries of mobile experiences. Founded in
1984 and based in Waterloo, Ontario, BlackBerry operates offices in
North America, Europe, Asia Pacific and Latin America. BlackBerry is
listed on the NASDAQ Stock Market (NASDAQ: BBRY) and the Toronto Stock
Exchange (TSX: BB). For more information, visit www.blackberry.com.streetarthttp://www.blogger.com/profile/10240419579990346984noreply@blogger.com0tag:blogger.com,1999:blog-1431090020172659233.post-71472806014392461812015-08-04T14:05:00.002-07:002015-08-04T14:05:32.640-07:00BLACKBERRY ANNOUNCES COMMON SHARE PURCHASE PROGRAM<h1>
BLACKBERRY ANNOUNCES COMMON SHARE PURCHASE PROGRAM</h1>
<br />
June 25, 2015 - BlackBerry Limited (NASDAQ: BBRY; TSX: BB), a world
leader in mobile communications, today provided an update on its planned
share repurchase program to purchase for cancellation up to 12 million
BlackBerry common shares, or approximately 2.5% of the outstanding
public float. BlackBerry can purchase the common shares over the Nasdaq
Stock Market or, subject to regulatory approval, on the Toronto Stock
Exchange (the “TSX”) or alternative Canadian trading platforms. As of
June 22, 2015, BlackBerry had 529,487,374 common shares outstanding, the
public float was 464,726,304 common shares and the average daily
trading volume for the 6 months prior to May 31, 2015 was 2,314,477.
BlackBerry has filed a notice of intention to commence a normal course
issuer bid with the TSX. Daily purchases will be limited to 578,619
common shares, other than block purchases. The purchases may commence on
June 29, 2015 and will terminate on June 28, 2016 or on such earlier
date as BlackBerry may complete its purchases pursuant to the notice of
intention. In the past 12 months, BlackBerry has not repurchased any of
its outstanding securities.<br />
<br />
On June 23, 2015, the shareholders of BlackBerry approved a new
employee share purchase plan and an increase in the number of shares
available under BlackBerry’s equity incentive plan. “As we’ve previously
indicated, the purpose of this repurchase program is to offset dilution
from our new employee share purchase plan and amended equity incentive
plan,” said BlackBerry Executive Chairman and CEO, John Chen. “We intend
to take advantage of our strong cash position to purchase our shares
when the market price does not reflect what we view to be the underlying
value and future prospects of our business, without adversely affecting
our strategic initiatives,” added Mr. Chen.<br />
<br />
The price that BlackBerry will pay for any shares under the share
repurchase program will be the prevailing market price at the time of
purchase. The share repurchase program will be effected in accordance
with Rule 10b-18 under the U.S. Securities Exchange Act of 1934 and the
TSX’s normal course issuer bid rules, which contain restrictions on the
number of shares that may be purchased on a single day, subject to
certain exceptions for block purchases, based on the average daily
trading volumes of BlackBerry’s shares on the applicable exchange. In
addition, subject to TSX approval, BlackBerry may enter into forward
purchase or swap contracts in connection with common shares which may be
settled by physical settlement, cash settlement or a combination
thereof. The forward price will be based on market price, dividend yield
and market interest rates.<br />
<br />
The actual number of shares to be purchased and the timing and
pricing of any purchases under the share repurchase program will depend
on future market conditions and upon potential alternative uses for cash
resources. There is no assurance that any shares will be purchased
under the share repurchase program and BlackBerry may elect to modify,
suspend or discontinue the program at any time without prior notice.<br />
<br />
<b>About BlackBerry</b><br />
<br />
BlackBerry is one of the world's most trusted and leading providers
of technology platforms for secure productivity. Founded in 1984 and
based in Waterloo, Ontario, BlackBerry operates offices in North
America, Europe, Asia Pacific and Latin America. The company trades
under the ticker symbols "BB" on the Toronto Stock Exchange and "BBRY"
on the NASDAQ. For more information, visit www.blackberry.com.streetarthttp://www.blogger.com/profile/10240419579990346984noreply@blogger.com0tag:blogger.com,1999:blog-1431090020172659233.post-78871760769206278522015-08-04T14:03:00.002-07:002015-08-04T14:03:33.020-07:00LEXUS HOVERBOARD RIDE REVEALED<h2 class="sub-headline">
LEXUS HOVERBOARD RIDE REVEALED</h2>
<strong>New film for the latest Amazing in Motion
campaign shows final testing in Barcelona</strong>
<br />
<div id="lede">
<strong>TOKYO, August 05, 2015/PR Newswire</strong> - Following the
unveiling of the Lexus Hoverboard in June, the luxury automotive
company is completing a full and final reveal of the project concluding
a successful testing phase which took place in Cubelles, Barcelona. <br />
Mark Templin, Executive Vice President at Lexus International said:
“Embarking on this project, we set out to push the boundaries of
technology, design and innovation to make the impossible possible. With
this project we call ‘SLIDE’, we collaborated with partners who share
our passion for creating enjoyment out of motion. Even through combining
our technology and expertise, we discovered making a hoverboard isn’t
an easy process. We’ve experienced the highs and lows and have overcome
a few challenges, but through mutual determination we have created a
demonstration of our philosophy in design and technology to create
Amazing in Motion.” <br />
The Lexus Hoverboard project began 18 months ago through a
collaboration with a team of scientists from IFW Dresden and evico
GmbH, who specialize in magnetic levitation technology. Following
extensive testing with pro skateboarder and hoverboard test rider Ross
McGouran, in Dresden, Germany, the team were determined to push the
hoverboard to its limits and conduct further tests within dynamic
surroundings. <br />
"I've spent 20 years skateboarding, but without friction it feels
like I've had to learn a whole new skill, particularly in the stance
and balance in order to ride the hoverboard. It's a whole new
experience,” said pro skateboarder and hoverboard test rider Ross
McGouran.<br />
Since the Lexus Hoverboard was unveiled in June, testing has been
carried out in a specially constructed hoverpark, combining elements
from skate culture with technology within its architecture. Up to 200
meters of magnetic track was transported to Barcelona from the Dresden
facility to lay beneath the hoverpark surface in order to create the
dynamic test, offering Lexus the opportunity to demonstrate tricks no
skateboard could ever perform, like travelling across water. Lexus has
captured the final ride footage and released it as a film led by award
winning director Henry-Alex Rubin.<strong> </strong>
<br />
The Lexus Hoverboard technology features two “cryostats”—reservoirs
in which superconducting material is kept at -197 degrees through
immersion in liquid nitrogen. The board is then placed above a track
that contains permanent magnets. Dr. Oliver de Haas, evico CEO, said:
“The magnetic field from the track is effectively ‘frozen’ into the
superconductors in the board, maintaining the distance between the
board and the track—essentially keeping the board hovering. This force
is strong enough to allow the rider to stand and even jump on the
board.” <br />
The Lexus Hoverboard film called “SLIDE” features the high
performance GS F and is part of the fourth project in the Lexus
“Amazing in Motion” campaign series that showcases creativity and
innovation from the Lexus brand. </div>
streetarthttp://www.blogger.com/profile/10240419579990346984noreply@blogger.com0tag:blogger.com,1999:blog-1431090020172659233.post-69220748243972937682015-03-31T23:47:00.002-07:002015-03-31T23:47:42.015-07:00Credit Repair Options<span itemscope="" itemtype="http://schema.org/Article">The
credit repair company tells you to pay up front for their services even
in the event that they have not done anything yet. The law states that
they can only be paid after they have done their part in helping you
repair your credit. </span><br />
<br />
<span itemscope="" itemtype="http://schema.org/Article"><span itemscope="" itemtype="http://schema.org/Article">On
reviewing the contract, it ought to be indicated there how much money
you will be charged for their services, the services they will offer,
the date by which this will be done as well as the name & address of
the organization. There ought to even be a clause in the contract
telling that you can cancel the contract within days. <br /><br />In the
event that they promise that they can remove anything in your credit
document. If this is impossible, they might even say that they will help
you generate a used federal employer identification number which of
work is illegal. <br /><br />Finally, the credit repair agency gives you a
piece of paper which you need to sign stating that you waive your rights
under the CROA or Credit Repair Organization Act. <br /><br />There is
positive things that a credit repair company can do & improving your
credit score from their finish is not of them. This is something that
you need to do yourself because you are the that owes your creditors the
money.
</span></span><br />
<div style="float: right; margin-bottom: 15px; margin-left: 15px; margin-top: 15px; width: 300px;">
</div>
<br />All they can do is facilitate a deal that is lovely for both parties like a debt consolidation plan which you need to fulfill. <br /><br />If
it so happens that the credit repair agency has asked for payment up
front, not informed you for your rights as a consumer, need you to waive
your rights or tell you to do anything illegal, walk away &
document them to the authorities. After that, continue looking for a
legitimate credit repair company. <br /><br />Ought to the information said
in your credit document be wrong, again there is nothing you can do
because you are the that has the supporting documents which show these
issues have been resolved. You may not even need the help of a credit
repair agency because you can send a letter together with the documents
to the crediting agency. <br /><br />To tell if this company is a scam or
not, you can also check with the Better Business Bureau & any other
agencies in your area which are responsible for stopping such things to
happen. No wishes to be come a victim but when you desperately need
credit repair, it is feasible. Http://creditrepair.dataforcee.us <br />streetarthttp://www.blogger.com/profile/10240419579990346984noreply@blogger.com0tag:blogger.com,1999:blog-1431090020172659233.post-37064276388323403172015-03-31T23:45:00.001-07:002015-03-31T23:45:14.717-07:00Understanding the concepts and benefits of online merchant services<span itemscope="" itemtype="http://schema.org/Article">Technology
has made the world more compact. Different trading agencies and
business organizations are able to sell their goods and services to
varied customers all over the world. A phenomenon like commercial
services can carry on their transactions online with a safe payment
gateway. In this article we will try and understand the concept of
online commercial services and the benefits that it provides to both the
customers and the trading organizations. Those of who are interested to
know more about such a technology can browse through the underlined
paragraphs.</span><br />
<br />
<span itemscope="" itemtype="http://schema.org/Article"><span itemscope="" itemtype="http://schema.org/Article"></span></span><br />
<strong>An overview:</strong><br />
Online merchant services are such services which are used by the
business organizations for a particular purpose. It helps the commercial
entities to accept online payments through credit and debit cards
through a secured payment portal. But such a commercial service isn't
restricted to just credit card or debit card transactions. It also has
varied varieties like,<br />
<ul>
<li>Check transformation services and check assurance</li>
<li>Drafting and expense services and computerized check clearance</li>
<li>Gift card and reliability programs</li>
<li>Payment doorway</li>
<li>Progress of merchant cash</li>
<li>Online monetary transaction dispensation</li>
<li>Point of sale systems</li>
<li>Electronic assistances handover programs, like food stamps or ration stamps.</li>
</ul>
<strong>The benefits it provides:</strong><br />
There are <a href="http://alliancebankcard.com/" rel="nofollow">different benefits of using online merchant services</a>. Here are some of the benefits to roll through.<br />
<ul>
<li>The money paid by the customers through online transaction goes
directly to the bank with the account of the merchant within a couple of
days of the transaction. Whereas, using any other medium takes much
time until it is transferred to the consumer's bank account and takes
more than a week to do so. It affects the business in a long run and the
transaction as a whole.</li>
<li>It saves a lot of money for any merchant account. The merchant
accounts have a set monthly rate of a kind of transaction and it doesn't
goes up and down. Whatever, be the volume of transaction high or low
the merchant account holder always reaps profit from it.</li>
<li>A merchant account elevates the reputation of the business. Once a
transaction is completed the customer doesn't leave the website of the
respective company and this in turn keeps the name of the company
attached to the credit card bill later paid.</li>
<li>Opting for a commercial service assures a better customer service
compared to any other alternative. If any extra charge or fee is added
for a quick transaction, then it is delivered in no time. There are
fewer issues when an individual chooses an online commercial service.</li>
<li>If you are business who has high volume of transaction daily then
merchant account is the best possible resolve for you. It will not only
save you money, but will also provide great tractability and a better
consumer administration.</li>
</ul>
<div style="float: right; margin-bottom: 15px; margin-left: 15px; margin-top: 15px; width: 300px;">
</div>
There are different banks who offer such services for different
business concerns. There is no hard and fast rule that large business
can only have merchant accounts it is also great for small business.<br />
streetarthttp://www.blogger.com/profile/10240419579990346984noreply@blogger.com0tag:blogger.com,1999:blog-1431090020172659233.post-28316147596889489022015-03-31T23:44:00.000-07:002015-03-31T23:44:00.496-07:00Hotel credit card processing- How it works<div class="post">
Now-a-days
more and more people have started to book their stay in hotels before
they even start with their holiday or vacation plans.Credit card
processing facilities in hotels have become a most important tool that
every hotel business should have. In this article we will go through the
need and workings of hotel credit card dispensation. Those who are
interested can roll your eyes to the hereinafter information.<br />
<strong>The need of such an innovation:</strong><br />
Travelers in the recent times have inclined towards the need of
getting the hotel booked before the tickets to any destination. Such
online bookings are only possible if transactions are made on the basis
of credit cards. Having a credit card payment policy makes more and more
customers flock into the hotels. Getting a room booked is compared easy
to paying through cash. As a traveler nobody likes to get a bundle of
cash after the tiring journey instead they prefer a swift resolution of
cash through a swift swipe. The <a href="http://www.alliancebankcard.com/information.php?information_id=5&xcSID=en4lcg4obrr6daqmspr46jc766" rel="nofollow">Hotel credit card processing facility is safer and less prone</a> to fraudulent transaction.<br />
<strong>Things to remember before you opt for such service:</strong><br />
To get a better understanding of such a facility it is important to
know how it works and the requisites that is to be fulfilled. Here is a
preview to such a solution:<br />
<ul>
<li>To start a Hotel credit card processing facility the foremost
need is to get a merchant service that will provide you with the portal
to open an account and start such a transaction facility.</li>
<li>It is best to start with a local bank to open up a account, as it is
easy to keep track until you are used to with such a facility.</li>
<li>Normally, the fees that such bank offers for a merchant account
depends on the plan you choose. Whatever be the transaction you will
have to pay a fixed amount for the same.</li>
<li>It is very important to understand what type of transactions goes
around your business, because if your business is small and it only has
few guests every month than you could opt for that account where you
have to pay for each transaction.</li>
</ul>
<div style="float: right; margin-bottom: 15px; margin-left: 15px; margin-top: 15px; width: 300px;">
</div>
<strong>How does it work?</strong><br />
There are different web based services online that offer suchhotel
credit card dispensation facility. The online concern has a front desk,
where the proxy asks for the guest's, card number, details, expiry date
and the bill amount for the services opted for but including charge for
the stay of the guest. The payment opening recognizes which lodging
house is transferring the data and frontwards the particulars to the
card workstation. The card mainframe in turn connects with the card
receptacle's bank to perceive if the sum is accepted or not.<br />
The banks initiate the accepting and deducting procedures and direct a
realization text back to the expense opening and then to the front
desk. If the payment is failed to be accepted then failure notification
is forwarded.<br />
</div>
<div class="ads">
</div>
streetarthttp://www.blogger.com/profile/10240419579990346984noreply@blogger.com0tag:blogger.com,1999:blog-1431090020172659233.post-68715424665320531192015-03-31T23:42:00.001-07:002015-03-31T23:42:33.990-07:00Top Benefits of a Prepaid Master Card<span itemscope="" itemtype="http://schema.org/Article">Prepaid
master card interest is one of the major factors that make it so
popular. Since they carry no interest whatsoever, you don't need to
worry about spending more than the actual value of a product or service.
So if you are looking for a way to make your money transactions simpler
and more economical, you should sign up for a prepaid Master Card. To
succeed in a competitive business or even in your personal life, it is
important that you take proper care of your finances. Having a prepaid
card makes it possible to have better control over your money and
spending.</span><br />
<br />
<span itemscope="" itemtype="http://schema.org/Article"><span itemscope="" itemtype="http://schema.org/Article"></span></span><br />
<strong>What is a prepaid Master Card?</strong><br />
It is used almost like the regular credit card. However it works more
like a debit card. With a regular credit card, you don't have to put
any money in the card for making any money transaction with it. You can
simply use the card for making payments whether it has any balance or
not. The amount will be covered by the card company later from your
account. In case of prepaid master card however, you need to have money
in your account to make money transactions. You can keep depositing
additional sum into it anytime. You can use it just like a regular
credit card wherever Master card payment is accepted.<br />
<strong>Important benefits</strong><br />
There are many benefits a prepaid Master Card that a regular credit card does not offer.<br />
• <strong>Safety</strong>: You don't have to carry along cash
wherever you go. A simple plastic card is all you need to carry to pay
for anything. If you lose your cash, there is a dim possibility of
getting it back. However, with a prepaid card, it can be reissued
keeping your balance amount intact.<br />
<div style="float: right; margin-bottom: 15px; margin-left: 15px; margin-top: 15px; width: 300px;">
</div>
• <strong>Convenience</strong>: In addition to the convenience of not
having to carry cash, a prepaid card also offers the facility of
withdrawing cash conveniently at an ATM. You can refill the balance in
it anytime, making it convenient to operate whenever and wherever you
need money.<br />
• <strong>Economical</strong>: These cards are best for those who
want to keep a close watch on their spending and budget their finances.
You can spend only what you have on your account already. So no scope
for overspending and running into credit card debts. There are also no
finance charges or late fees associated with these cards. You can also
track your expenditure and based on that plan your spending for an
effective budgeting of your finances.<br />
• <strong>Helps discipline teens</strong>: If you are constantly
worried about your teenage kids to spend more than you would want them
to, sign them up for a prepaid card and they will automatically learn to
spend money within their allowance or budget. You will also have a
better control over their spending habits.<br />
As stated in the beginning, the <a href="http://card-dna.biz/help-full-info/" rel="nofollow">prepaid master card interest</a>
is nil and therefore it proves to be a great money-saver. Since it is
easy to get as it does not need any credit testing for it to be issued,
it can be used to improve your credit ratings.<br />
streetarthttp://www.blogger.com/profile/10240419579990346984noreply@blogger.com0tag:blogger.com,1999:blog-1431090020172659233.post-56446109457443030622015-03-30T05:25:00.001-07:002015-03-30T05:25:24.135-07:00Causes So that you can Use Accounting Services<span itemscope="" itemtype="http://schema.org/Article"><em>A lot of
bookkeepers help bookkeeping agencies and also dwelling workplaces that
come with bookkeeping administrations to be able to the final
population, privately owned businesses or maybe the administration.
Insurance plan, your acquiring portion on the bookkeeping return is
actually adding up his or her administrations because company industry
experts, </em></span><span itemscope="" itemtype="http://schema.org/Article"><em><span itemscope="" itemtype="http://schema.org/Article"></span></em></span><br />
<em><em>assisting
corporations and folks to be able to restore his or her financial
confirming, dissect personal info along with adhere to new regulations.
Your US Office of Job Stats reports the desire intended for bookkeepers
along with examiners will go up essentially 16 percentage inside the
examples below decade, importance there's however relentless growth in
the business. Bookkeeping gurus needs to be leaders inside their field,
who is going to supply guidance along with solutions for people
following conscious exploration. Learn how to are a bookkeeping
specialist.</em></em><br />
<em>
<br />
<em>Counselling is actually the challenge of allowing exhortation to
be able to consumers to your impose to assist them manage a specific
matter and also scope of troubles inside of a certain location of
business. Counselling administrations will be due to gurus, your greater
part of who may have obtained his or her expertise from prior
occupation. Some gurus help substantial counselling agencies, for
example,</em><br />
<em> Anderson Referring with and also Gemini Referring with, that
come with aptitude inside an extensive selection of company regions;
diverse agents hail through the scholarly entire world along with guide
corporations with troubles, distinguishing with assessment and also
speculation; but still diverse industry experts will be at home
utilized, personal utilized organizations that supply certain skills
inside of a certain field. As an example, a previous stock options
service provider may are a income related visiting; your PC analyst may
are a PC specialist; a previous staff member inside of a non-benefit
relationship may wide open an enterprise like a bringing up support
specialist; and a bookkeeper may transform into an amount advisor. Take
advantage expert services of <strong>Accounting Consultant Melbourne.</strong></em><br />
<div style="float: right; margin-bottom: 15px; margin-left: 15px; margin-top: 15px; width: 300px;">
</div>
<br />
<em>Skill by itself is as it may, doesn't make anybody an counsellor
at the least not only a full-time one. For being an experienced obliges
using that expertise to be able to valuable vital thinking. Counselling,
additionally, is actually an enterprise, thus it also obliges featuring
aptitudes along with the proportions to get in touch and build work
contacts. Take advantage expert services of <strong>Accounting Consultant Melbourne.</strong></em><br />
<br />
<em>Since predominant part of agents is actually at home utilized
adept staff, counselling generally is a huge company that also includes
long periods and far weight. Specialists will have to review his or her
job areas of technique consistently to stay current with improvements.
For the a lot of entrepreneurs that get into the counselling contacting,
then again, your enthrallment along with check of imaginative,
autonomous operate done in a agreeable domain extend past your troubles.</em><br />
<br />
<br />
<em> Remembering rivalry is actually awesome, the volume of extensive
firms that engulf this particular contacting certainly are a few. Even
though counselling job areas have finished up drenched, for example,
your PC along with natural fields—you will find constantly new patterns
rising. By way of example, with the unexpected slip of socialism, a
person's eye intended for japanese Western european masters along with
"totally free marketplace" gurus soar. </em><br />
</em>streetarthttp://www.blogger.com/profile/10240419579990346984noreply@blogger.com0tag:blogger.com,1999:blog-1431090020172659233.post-4436268034150321802015-03-30T05:23:00.001-07:002015-03-30T05:23:13.790-07:00Job opportunities - finance <br />
<br />
Another set of positions to search through:<br />
<br />
<br />
<div style="float: left; margin-bottom: 5px; margin-right: 10px; overflow: hidden; white-space: nowrap; width: 350px;">
<a href="http://meega.net/Jobs-Finance-Manager-in-Sydney,-New-South-Wales">Finance Manager, Sydney</a></div>
<div style="float: left; margin-bottom: 5px; margin-right: 10px; overflow: hidden; white-space: nowrap; width: 350px;">
<a href="http://meega.net/Jobs-Financial-Accountant-in-Brisbane,-Queensland">Financial Accountant, Brisbane</a></div>
<div style="float: left; margin-bottom: 5px; margin-right: 10px; overflow: hidden; white-space: nowrap; width: 350px;">
<a href="http://meega.net/Jobs-Financial-Accountant-in-Gold-Coast,-Queensland">Financial Accountant, Gold Coast</a></div>
<div style="float: left; margin-bottom: 5px; margin-right: 10px; overflow: hidden; white-space: nowrap; width: 350px;">
<a href="http://meega.net/Jobs-Financial-Accountant-in-Melbourne,-Victoria">Financial Accountant, Melbourne</a></div>
<div style="float: left; margin-bottom: 5px; margin-right: 10px; overflow: hidden; white-space: nowrap; width: 350px;">
<a href="http://meega.net/Jobs-Financial-Accountant-in-Perth,-Western-Australia">Financial Accountant, Perth</a></div>
<div style="float: left; margin-bottom: 5px; margin-right: 10px; overflow: hidden; white-space: nowrap; width: 350px;">
<a href="http://meega.net/Jobs-Financial-Accountant-in-Sydney,-New-South-Wales">Financial Accountant, Sydney</a></div>
<div style="float: left; margin-bottom: 5px; margin-right: 10px; overflow: hidden; white-space: nowrap; width: 350px;">
<a href="http://meega.net/Jobs-Financial-Analyst-in-Melbourne,-Victoria">Financial Analyst, Melbourne</a></div>
<div style="float: left; margin-bottom: 5px; margin-right: 10px; overflow: hidden; white-space: nowrap; width: 350px;">
<a href="http://meega.net/Jobs-Financial-Analyst-in-Sydney,-New-South-Wales">Financial Analyst, Sydney</a></div>
<div style="float: left; margin-bottom: 5px; margin-right: 10px; overflow: hidden; white-space: nowrap; width: 350px;">
<a href="http://meega.net/Jobs-Financial-Consultant-in-Brisbane,-Queensland">Financial Consultant, Brisbane</a></div>
<div style="float: left; margin-bottom: 5px; margin-right: 10px; overflow: hidden; white-space: nowrap; width: 350px;">
<a href="http://meega.net/Jobs-Financial-Consultant-in-Melbourne,-Victoria">Financial Consultant, Melbourne</a></div>
<div style="float: left; margin-bottom: 5px; margin-right: 10px; overflow: hidden; white-space: nowrap; width: 350px;">
<a href="http://meega.net/Jobs-Financial-Consultant-in-Sydney,-New-South-Wales">Financial Consultant, Sydney</a></div>
<div style="float: left; margin-bottom: 5px; margin-right: 10px; overflow: hidden; white-space: nowrap; width: 350px;">
<a href="http://meega.net/Jobs-Financial-directors-in-Brisbane,-Queensland">Financial directors, Brisbane</a></div>
<div style="float: left; margin-bottom: 5px; margin-right: 10px; overflow: hidden; white-space: nowrap; width: 350px;">
<a href="http://meega.net/Jobs-Financial-directors-in-Melbourne,-Victoria">Financial directors, Melbourne</a></div>
<div style="float: left; margin-bottom: 5px; margin-right: 10px; overflow: hidden; white-space: nowrap; width: 350px;">
<a href="http://meega.net/Jobs-Financial-directors-in-Perth,-Western-Australia">Financial directors, Perth</a></div>
<div style="float: left; margin-bottom: 5px; margin-right: 10px; overflow: hidden; white-space: nowrap; width: 350px;">
<a href="http://meega.net/Jobs-Financial-directors-in-Sydney,-New-South-Wales">Financial directors, Sydney</a></div>
<div style="float: left; margin-bottom: 5px; margin-right: 10px; overflow: hidden; white-space: nowrap; width: 350px;">
<br /></div>
streetarthttp://www.blogger.com/profile/10240419579990346984noreply@blogger.com0tag:blogger.com,1999:blog-1431090020172659233.post-88739843746701222482015-03-30T05:00:00.000-07:002015-03-30T05:22:48.955-07:00Job opportunities - financeIn this post you can find important and useful links which will guide you through your job search. Especially if you are a specialist in the field of finances. I have prepared a list of 15 most popular searches amog others, jobs for financial managers, assistants and many more.<br />
<br />
Enjoy!<br />
<br />
<br />
<div style="float: left; margin-bottom: 5px; margin-right: 10px; overflow: hidden; white-space: nowrap; width: 350px;">
<a href="http://meega.net/Jobs-Financial-Manager-in-Sydney,-New-South-Wales">Financial Manager, Sydney</a></div>
<div style="float: left; margin-bottom: 5px; margin-right: 10px; overflow: hidden; white-space: nowrap; width: 350px;">
<a href="http://meega.net/Jobs-Financial-Reporting-Manager-in-Brisbane,-Queensland">Financial Reporting Manager, Brisbane</a></div>
<div style="float: left; margin-bottom: 5px; margin-right: 10px; overflow: hidden; white-space: nowrap; width: 350px;">
<a href="http://meega.net/Jobs-Financial-Reporting-Manager-in-Melbourne,-Victoria">Financial Reporting Manager, Melbourne</a></div>
<div style="float: left; margin-bottom: 5px; margin-right: 10px; overflow: hidden; white-space: nowrap; width: 350px;">
<a href="http://meega.net/Jobs-Financial-Reporting-Manager-in-Sydney,-New-South-Wales">Financial Reporting Manager, Sydney</a></div>
<div style="float: left; margin-bottom: 5px; margin-right: 10px; overflow: hidden; white-space: nowrap; width: 350px;">
<a href="http://meega.net/Jobs-Financial-Sales-Assistant-in-Adelaide,-South-Australia">Financial Sales Assistant, Adelaide</a></div>
<div style="float: left; margin-bottom: 5px; margin-right: 10px; overflow: hidden; white-space: nowrap; width: 350px;">
<a href="http://meega.net/Jobs-Financial-Sales-Assistant-in-Melbourne,-Victoria">Financial Sales Assistant, Melbourne</a></div>
<div style="float: left; margin-bottom: 5px; margin-right: 10px; overflow: hidden; white-space: nowrap; width: 350px;">
<a href="http://meega.net/Jobs-Financial-Sales-Assistant-in-Sydney,-New-South-Wales">Financial Sales Assistant, Sydney</a></div>
<div style="float: left; margin-bottom: 5px; margin-right: 10px; overflow: hidden; white-space: nowrap; width: 350px;">
<a href="http://meega.net/Jobs-Financial-Services-in-Adelaide,-South-Australia">Financial Services, Adelaide</a></div>
<div style="float: left; margin-bottom: 5px; margin-right: 10px; overflow: hidden; white-space: nowrap; width: 350px;">
<a href="http://meega.net/Jobs-Financial-Services-in-Brisbane,-Queensland">Financial Services, Brisbane</a></div>
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<a href="http://meega.net/Jobs-Financial-Services-in-Canberra,-Australian-Capital-Territory">Financial Services, Canberra</a></div>
<div style="float: left; margin-bottom: 5px; margin-right: 10px; overflow: hidden; white-space: nowrap; width: 350px;">
<a href="http://meega.net/Jobs-Financial-Services-in-Gold-Coast,-Queensland">Financial Services, Gold Coast</a></div>
<div style="float: left; margin-bottom: 5px; margin-right: 10px; overflow: hidden; white-space: nowrap; width: 350px;">
<a href="http://meega.net/Jobs-Financial-Services-in-Melbourne,-Victoria">Financial Services, Melbourne</a></div>
<div style="float: left; margin-bottom: 5px; margin-right: 10px; overflow: hidden; white-space: nowrap; width: 350px;">
<a href="http://meega.net/Jobs-Financial-Services-in-Newcastle,-New-South-Wales">Financial Services, Newcastle</a></div>
<div style="float: left; margin-bottom: 5px; margin-right: 10px; overflow: hidden; white-space: nowrap; width: 350px;">
<a href="http://meega.net/Jobs-Financial-Services-in-Perth,-Western-Australia">Financial Services, Perth</a></div>
<div style="float: left; margin-bottom: 5px; margin-right: 10px; overflow: hidden; white-space: nowrap; width: 350px;">
<a href="http://meega.net/Jobs-Financial-Services-in-Sydney,-New-South-Wales">Financial Services, Sydney</a></div>
<br />streetarthttp://www.blogger.com/profile/10240419579990346984noreply@blogger.com0tag:blogger.com,1999:blog-1431090020172659233.post-18509044428933636292015-02-19T00:21:00.001-08:002015-02-19T00:21:04.964-08:00Buyers are looking for ‘Value for Money' Homes<span itemscope="" itemtype="http://schema.org/Article">Buyers are
eagerly looking for ‘Value for Money' homes in National Capital Region.
They are actively searching for best homes which are planned very well
and strategically located. Noida and Gurgaon are the appealing locations
for best properties.</span><br />
<span itemscope="" itemtype="http://schema.org/Article"><span itemscope="" itemtype="http://schema.org/Article"></span></span><br />
<strong>Get to know about your options</strong><br />
You will never run out of options while looking for a home in NCR.
You will get the every possible option and within reach of everyone in
terms of price. Broader range of options is available at Gurgaon and
Noida. So, you can pick the best one according to your suitability and
pocket size.<br />
<strong>Gurgaon- the millennium city</strong><br />
Sector- 82, 83, 89, 90, Sohna Road and Sushant Lok are the locations
where you will find the maximum availability of properties. Sector-82
has been populous among buyers due to the price range between Rupees 4,
600 to 6, 200 per square feet. On the other hand Golf Course has grabbed
attention of those buyers who want to spend Rupees 12, 000 to 14, 000
per square feet. Most of the properties in above mentioned areas will be
ready for possession in the stipulated timeframe of early 2015 to late
2016. Whereas if you are an investor and looking for best localities to
earn an additional source of income as rent, then Sector-54, 56, 57,
Sushant Lok and DLF city phases rule the chart. <br />
<strong>Noida- one of the most planned cities of Asia</strong><br />
<div style="float: right; margin-bottom: 15px; margin-left: 15px; margin-top: 15px; width: 300px;">
</div>
Sector-76, 78, 137, Noida Extension and Greater Noida are the best
locations to buy property. Some reputed and tremendous developers have
transformed the face of Noida skyline. It made the perfect fit entry to
residential property for prospective buyers. Noida has become the most
sought after destination for cosmopolitan culture driven people. In
sector-73, you can find studio apartments with price range starting from
Rupees 8 Lakhs. And if budget is not a constraint then you can own a 6
BHK flat sprawled over 5, 000 square feet with pocket size of Rupees 6
Crore.<br />
However, infrastructure development is still pending. Schools,
hospitals and conveyance need attention. Once the infrastructure
development is completed in all respects, it will be most popular
destination for end users. Till then you can invest in newly developed
sectors of Noida. For higher rental yields you can invest in Sector- 50,
61, 92 and 93. Infra development has now picked up the pace and the
builders have started to announce the numerous projects like cats and
dogs. In the competitive scenario, Amrapali Group stands as one of the
most reputed builders. Recently the group launched terrace homes
providing its residents the zone of utmost comfort and style. <a href="http://www.amrapali-group.in/noida-extension/amrapali-tropical-garden/" rel="nofollow" target="_blank">Amrapali Tropical Garden</a> promises the enticing adobes with joy and happiness.<br />
streetarthttp://www.blogger.com/profile/10240419579990346984noreply@blogger.com0tag:blogger.com,1999:blog-1431090020172659233.post-3674954132852537342015-02-19T00:18:00.002-08:002015-02-19T00:18:46.118-08:00Trading method that WILL make you money<span itemscope="" itemtype="http://schema.org/Article">Do you dream of
the day when you wake up, open a few positions and then take the rest of
the day off to do whatever you want ? I know how you feel. I once felt
exactly the same way.</span><br />
<span itemscope="" itemtype="http://schema.org/Article"><span itemscope="" itemtype="http://schema.org/Article"></span></span><br />
Then I found this: http://bit.ly/eytjvC<br />
It
is 100% mechanical system with clear rules; it places one trade a day
in the morning. It doesn't require you to watch your position; the trade
hits the profit or loss automatically.<br />
This is excellent because
I did not know anything about trading until I found this. It is a step
by step for beginners and guarantees income or your money back. You
can't go wrong and I got my money back in the first week. Very good
method of making money with easy to follow steps just how I like it.<br />
For
me, Forex Morning Trade is one of the pillars of my trading systems
portfolio. It doesn't take too much time, and it returns profits I can
rely on.<br /> I trade also other systems, on different timeframes, but I can honestly say <strong>Forex Morning Trade system is my most favorite</strong>.<br />
<div style="float: right; margin-bottom: 15px; margin-left: 15px; margin-top: 15px; width: 300px;">
</div>
Why? Because it requires virtually no time and no thinking. Trading
won't take you more than 5 or 10 minutes a day. Really, this time is
enough to check for the signals and set up the trade.<br />
One of its biggest strengths is that the system is 100% mechanical,
with clear rules to follow. This is especially important. There will be <strong>no more fear or greed in your trading</strong>
because the indicators clearly show you the entries and exits for you!
That means you just need to follow the indicator signals and shrug off
the trading stress.<br />
All you have to do is follow the rules!<br />
If you are unhappy with your purchase for up to 60 days, you can
request a refund and they will give you your money back. This is a
no-question asked money back guarantee.<br />
Here is the site: <a href="http://bit.ly/eytjvC" rel="nofollow">http://bit.ly/eytjvC</a><br />
'm
very confident that Forex Morning Trade system will help you start
making real money in the Forex market. Try it now before the offer is
gone.<br />
streetarthttp://www.blogger.com/profile/10240419579990346984noreply@blogger.com0tag:blogger.com,1999:blog-1431090020172659233.post-89770123284910317142015-02-19T00:17:00.002-08:002015-02-19T00:17:24.811-08:00FINANCIAL ANALYSIS TECHNIQUES & TOOLS WHICH ARE DESIGNED FOR ANALYZING THE MARKET & INVEST RIGHT WAY FOR MAXIMIZED PROFIT<span itemscope="" itemtype="http://schema.org/Article">Financial
analysis techniques & tools is a very immense material of financial
& business area, it is impossible to the present whole of the
function of Financial analysis through an articles or report , also as a
financial consultant I have tried to explained it shortly that
financial analysis techniques & tools in an organization's
operations.</span><br /><span itemscope="" itemtype="http://schema.org/Article"></span><br />
I think if
you want to be a successful financial analysis, you need to know how to
relay your company's financial modeling & financial data to
management, gain insight into business financial statements of
competitors, understand the financial model of your supplier, and more.<br />
<em>Generally we know that</em>
- Sound financial decisions depend on sound financial statements. It's
not enough anymore that you know how to calculate average weighted cost
of capital, determine cash flow, or understand ratio analysis. These
impressions are not easy to describe and just I have only described the
introduction to them of financial analysis techniques and tools<br />
<em>I have explained in my article a general accepting of financial analysis techniques and tools </em><br />
The most important concept is break-even analysis. This determines the point at which your business begins making a profit.<br />
Break-even
analysis is mainly vital in the planning stages of your business. It
shows what sales and fees you need to create on a daily, weekly or
monthly base, in classify to pay your everyday expenditure.<br />
To
put collectively a break-even analysis, you must first separate variable
costs from fixed costs. Fixed costs are predictable on a monthly base,
and arise whether or not you are open for business, although variable
costs modify according to your business operations, for instance the
cost of your supplies, material or labour. Financial analysis mainly
takes or done tree decisions through his techniques and tools, financial
analytical techniques equally can be filled up into these decision
units.<br />
<strong>I. Investment decision, </strong><br />
<strong>II. The financing decision, & </strong><br />
<strong>III. The dividend decision. </strong><br />
Develop of an
exact analytical model, for example: net present value or internal rate
of return, depends on the difficulty being asked. Many problems in
financial management can be dealt with by employing more than one
financial analysis technique. The purpose of applying an analytical
technique is not necessarily to calculate a specific answer; quite, the
purpose of a technique is to afford a more knowledgeable base on which
to make a decision. An important consideration in financial analysis is
timing. The timing of different financial policies is important in terms
of interest rates, inflation, taxes, and the capital market. Most of
the techniques used in financial analysis engage a point in time element<br />
<strong>(I).<em><u>Investment Decisions</u>:</em></strong><br />
Investment
decisions are possibly the most vital of the three types of financial
decisions, because Different techniques are used for effective
management of short-term Cash and accounts receivable than for purchases
of long-term fixed assets. Investment judgment in this perspective
refers to both short- and long-term reallocations of company funds.
Short term investment judgments include the level of current assets
(cash, accounts receivable, and inventories) necessary for everyday
operations; whereas long-term investment judgments refer to fixed asset
purchases, mergers, acquisitions, and corporate reorganizations<br />
<strong>(II). <em><u>Financing Decisions</u></em>:</strong><br />
While
making financial decisions, the financial analysis must determine the
best financing combine or capital makeup for the company. In this logic,
the best alternative is the capital makeup that allows the best
evaluation of the company for the shareholders. The vital rudiments to
judge in making financial decisions comprise: <em>(1) the personality
and friskiness' of the business function; (2) the capital makeup
desired; (3) the extent of time the assets will be needed; and (4) the
cost of different financing.</em><br />
<div style="float: right; margin-bottom: 15px; margin-left: 15px; margin-top: 15px; width: 300px;">
</div>
<strong><em>III. </em></strong><strong><em><u>The dividend decision</u></em></strong>:<br />
The
dividend policy that the business chooses is also a subject of analysis
in financial management. Techniques, The three typical dividend
alternatives-the stable dividend policy, the even payout ratio, and the
standard low dividend policy in addition extra-must be evaluated
according to the company's exact position<br />
<strong><u>Financial Analysis Techniques:</u></strong>
Financial Analysis Techniques is embattled toward external reporting
and analysis, following generally accepted accounting principles (GAAP)
as the foundation for the data used, this is a proper guideline &
.which will be helpful for discover how to financial analysis used
techniques & tools in an organization's operations,<br />
•accept
the information, models & studies used to effectively communicate
the financial side of your business to your non-financial generation<br />
•assessment, restore and keep informed for your analytical skills to gain better insight into an organization's operations<br />
•affective assessment drivers to recover the value of your business<br />
•Employ sustainable development techniques to assess your increase theory<br />
•exemplify and correspondence the impact of operations on cash flow to your operational invention<br />
<strong><u>Financial Analysis Techniques</u></strong>:
Financial Analysis Techniques educate or informed you to use financial
information effectively so you can develop better insights and analysis
of your organization. You will be able to learn about:<br />
•External analysis—competitors, customers and suppliers<br />
•Internal analysis—liquidity, cash flow and performance<br />
•Evaluating alternative analysis strategies<br />
•Integrating key metrics<br />
Financial analysis techniques & tool can be used for<strong> Wahid theory</strong> .The expression or <strong>Wahid</strong> stands for:<br />
<strong>•W- </strong>Wakefulness<br />
<strong>•A - </strong>Accountable<br />
<strong>•H - </strong>Heed<br />
<strong>•I - </strong>Intelligence<br />
<strong>•D- </strong>Determination<br />
"Wahid theory" is just
guide to the financial consultant, financial planner, financial adviser,
business owner, reader from end to end a complete financial valuation
and financial valuation tools in an organization that professionals can
use in preparing business valuations. I hope this prepared to possible
during used on a "Wahid theory" basis.<br />
If you are writing a
business plan for a bank, your bank manager will want to see that your
ideas are well thought out, but the most important aspect to him or her
will be your financials. Are your assumptions realistic? And will the
cash flow of the business be enough to ensure that you can make the
monthly payments for the loan that you have requested? If your business
is making $1,000 a month and your payments are $1,200 a month, the bank
is likely to turn you away<br />
"Wahid theory" on valuing businesses
conveyed in a series of easily understandable Exposed to total financial
consulting issues: Financial valuations are very much affected by
specific facts and circumstances. Every situation is unique and
differing facts and circumstances may result in variations of the
applied methodologies. Nothing contained in these written materials
shall be construed to represent the rendering of valuation advice; the
exposé of a valuation opinion; the picture of any other professional
opinion or service.<br />
streetarthttp://www.blogger.com/profile/10240419579990346984noreply@blogger.com0tag:blogger.com,1999:blog-1431090020172659233.post-74762821995721458412015-02-19T00:15:00.000-08:002015-02-19T00:15:01.351-08:00What is the Difference between Tax Assessed Value and Market Value?I<span itemscope="" itemtype="http://schema.org/Article">t is a common
issue that most homeowners have when they buy, sell or get their tax
bill in the mail a "What is the difference between Tax Accessed Value
("TAV") and Fair Market Value ("FMV")?" </span><br />
<br />
<span itemscope="" itemtype="http://schema.org/Article"><span itemscope="" itemtype="http://schema.org/Article">This question
and its answer are critical to your understanding why many property
owners who appeal their taxes personally fail. This is not a surprise
and most county tax appraisers (assessors) do not help the situation.
REMEMBER, if you appeal and the basis for your appeal is not acceptable,
you are declined and can not come back again for another year!<br /> <br />
Fair Market Value is what a property should be able to be sold at in a
market that is not under "distress". Distress in this case means not an
unusual amount of foreclosures, high or anticipated high unemployment in
the region, a toxic waste dump nearby, flood plain, or other "issues:
that could cause perspective buyers to look elsewhere for homes. <br /> <br />
Appraising a property is a matter of looking at what other, "supposedly
similar" properties have actually sold at within a limited area around
your home, usually 1/4 to 1/2 mile or, preferably, within your
subdivision. I would like to say this appraised value is an accurate
estimate of what your home will sell for, but frankly, appraisals are to
a large degree a subjective guess. Any appraiser will admit that his
appraisal is based on his professionalism in estimating the value of
your home but it is still a "best estimate" in his mind. Often two
appraisals of the same property can be 10% or more apart. Comparable
sales can not take into account the motivation of the seller or the
condition of the interior of the property.<br /> <br /> FMV is definitely
not what your neighbor's smaller home sold for plus an upgrade for your
larger property. Most homes are purchased for emotional reasons or the
practicality of living close to work or schools, etc. So a homeowner can
get an appraisal, estimate his own FMV or ask friends, neighbors and
real estate agents to mention a few sources. It is very likely that your
personal guess, if supported by actually seeing the inside of
properties for sale and ones that have sold and comparing these sales or
listings or FSBO's (For Sale By Owners) to your property, is as good,
if not better than all those opinions above. For this exercise, let's
assume you have decided your property's FMV is $250,000.<br /> <br /> If the
FMV is $250,000 what should the Tax Assessed Value be? Usually, the
County Tax Assessor has a formula based on FMV to compute your TAV. This
formula varies greatly from state to state and county to county, but in
general it should be 80% of FMV LESS your deductions. Your deductions,
where applicable, include exemptions for some or all of the following:
widow or widower, senior citizen, handicapped, homesteaded property,
veterans, combat injury, paralyzed partially or completely, blindness,
and on and on. It is important that every homeowner review the full list
of exemptions for his county or have a professional tax appealer do it
for you, because each and every exemption is money in your pocket to
which you are entitled. Florida has recently increased its homestead
exemption from $25,000 to $50,000 per homesteaded household. This
roughly means that the average homeowner will save an additional $350 -
$500 a year in taxes.
</span></span><br />
<div style="float: right; margin-bottom: 15px; margin-left: 15px; margin-top: 15px; width: 300px;">
</div>
<br /> The tax appraiser uses what he considers your FMV and multiples it
by a multiplier of 80% to 90% of FMV. Here is an actual example for
Broward County, Florida: FMV (your recent purchase price) of $250,000,
TAV without homestead or any other exemption = $212,000 (84.8%). If you
homestead your property, the TAX value drops to $162,500, HOWEVER, your
School Board Taxable Value changes to $187,500. <br /> <br /> If you are a
Senior disabled Combat-wounded veteran, age 65, have at least a 10%
disability rating, provide proof of combat injury, and a Florida
resident at the time of entering the service, your property taxes are
$0.00! There are numerous other full exemptions that you or a
professional tax appealer should investigate immediately because you may
be entitled to huge property tax savings.<br /> <br /> If you purchased a
home as a short sale or a foreclosure and got a great deal at well below
FMV, your purchase price will not be considered as FMV. Instead, the
tax assessor will use his "best estimate" based on other properties in
the neighborhood. However, he will not take into account the repairs you
had to make that could reduce your taxes substantially. Your
professional tax appealer will be able to do this for you.<br /> <br /> In
the years following your home's purchase, the tax assessor determines
your assessed value by using a complicated mathematical formula that
re-appraises all the properties in the county at one time. It has to be
done this way because of the tens of thousands of properties and the
minimal staff at the tax assessor's office. In most cases this isn't
fair to the homeowner or commercial property owner but fewer than 2% of
tax payers officially protest and fewer than 20% of those who do ever
get a tax reduction. This is primarily because of a lack of
understanding the appeals process and being able to reconstruct the
necessary data for a successful appeal; your professional tax appealer
can do all this for you.<br /> <br /> In summary, the TAV of your home is
usually a percentage of its FMV and under usual circumstances this will
be 80% to 90% before exemptions. However, for short sale and foreclosure
purchases it could be 200+% of your purchase price or more. Consult
with a local professional tax appealer to make sure you are paying only
your fair share of your property taxes. <br />streetarthttp://www.blogger.com/profile/10240419579990346984noreply@blogger.com0tag:blogger.com,1999:blog-1431090020172659233.post-76457340118668861442015-02-19T00:11:00.001-08:002015-02-19T00:11:26.203-08:00How to Pay Off a 30-year Mortgage in 8.5 Years<span itemscope="" itemtype="http://schema.org/Article">Is it really possible that you can pay off a 30-year mortgage in less than 10 years...<br /> <br /> ...without refinancing...<br /> <br /> ...without necessarily increasing your total monthly expenditures... </span><br />
<span itemscope="" itemtype="http://schema.org/Article"><span itemscope="" itemtype="http://schema.org/Article">...and without debt consolidation?<br /> <br /> Yes, it is! Thousands of home owners have learned that it can be done!<br /> <br />
This may seem to be too good to be true at first, and you may not easy
accept what we share with you here; because we're all conditioned accept
the status quo. The banking industry truly doesn't want you to know our
method. They would rather that you pay your mortgage payments over a
long period of time, so they can maximize their profit, at your expense.<br /> <br />
In this article, we're going to spill the beans, and reveal some of the
secrets the banking industry has been keeping from us far too long!<br /> <br />
If you want to pay off your mortgage as fast as possible, it benefits
you a great deal to find a way to put extra funds toward the outstanding
balance as soon as possible. But to do this doesn't mean you have to
spend more than you already spend per month. It's actually the method of
payment that will save you the most money! And we're talking about huge
savings!<br /> <br /> Where do the extra payments come from?<br /> Even a
little extra money paid in the beginning pays huge dividends in the long
run; because the huge interest charges early in the loan really cause
whirlpools in the bottom line! Most home buyers aren't aware that they
can easily lower their interest cost, and apply a lot more to the
principal instead. Far too many home buyers fail to make the simple
corrections! Although once we see the significance of paying down the
principal, and follow our proven method, they get on track to pay off
their mortgage very early; often in as little as 8 1/2 years.<br /> <br /> Front-Loaded Interest: A Big Reason You Haven't Been Able To Pay Off Your Mortgage Quickly<br /> <br />
If you take a look at your mortgage amortization table, you'll discover
something very interesting. I'll just lay out the facts for you here,
using the example of a $150,000 30-year fixed-rate mortgage at 6% APR.<br /> <br />
In the first year of your mortgage, you pay $10,791.96 (12 monthly
payments at $899.33), and a whopping $8,949.89 of that goes to the bank
for interest, NOT the principal.<br /> <br /> That's a whopping 82.93% of
your payments that went to interest... flushed down the toilet, and into
the banks' pockets. That's your hard-earned money going bye-bye, since
it doesn't pay off your loan at all!<br /> <br /> Of your first year
payments, only 17.07 % applies toward the real problem - the principal,
that stands in your way of paying off your loan.
</span></span><br />
<div style="float: right; margin-bottom: 15px; margin-left: 15px; margin-top: 15px; width: 300px;">
</div>
<br /> The sad thing is, even though you paid $10,791.98 on your $150,000 mortgage, the principal still stands at $148,157.98. <br /> <br />
That means that the equity you'd have in your home would be $1,842.02.
You "invest" $10,791.98, and get back only $1,842.02. (That's an
effective interest rate of over 500% in that first year.) To come up
with that number, we must understand that we paid close to $11,000.00 to
end up with a measly $1,842.00 in equity. Yikes! The effective interest
charged by the bank reducing the bottom line to such a dismal level is
astoundingly high!<br /> <br /> This is a prime example of how your bank
front-loads the interest during the first years of your mortgage. And to
make it worse, most people sell, or refinance, within the first 5 years
of their mortgage, making the front-loading even worse for the
borrower. It helps them squeeze every dollar out of you when you start
all over again.<br /> <br /> In fact, the only way that a 6% interest is
ever 6%, is if the borrower actually stays with the mortgage for the
full term (30 years, in our example). Only a very small fraction of
homeowners actually do this. If you sell or refinance at any time before
the maturity of your mortgage, the effective interest rate you end up
paying is usually much more than 6%. <br /> <br /> So, How Do We Pay Off Our Mortgage Quicker?<br /> <br />
It's simple. Turn the tables on the bank! We've shown you how they
front-load the interest. Now you know what thousands of people who are
already paying off their mortgages early have learned: find a way to pay
a larger portion of each payment toward the actual debt. Oh yes, it's
easy to do!<br /> <br /> But there's another problem.<br /> <br /> The banks
have ways of keeping this information from you. They're just not going
to share any secrets, because it would hurt their bottom line. So they
they've laid out a minefield to make it very difficult for the
home-buyer to reverse damaging trend of front-loading. <br /> <br /> But
take our word for it: there is a way, - a method - to legally, and
easily, maneuver through this minefield, and pay off your mortgage in a
fraction of the time. Thousands of home buyers have learned what you can
learn with us, and are already doing something about it!. <br /> <br /> Mortgage acceleration--true mortgage acceleration--is the key to success!<br /> <br /> Proven, 6-Year Old System Has Already Shown Thousands How To Pay Off<br /> Their Mortgage In An Average Of 8.5 Years...Saving Them An Average of<br /> $21,000 A Year On Their Mortgages...Without An Increase In Your Monthly<br /> Expenditures! Get Your Copy Of The Report Now! Go to http://mortgageaccelerationreport.com <br />streetarthttp://www.blogger.com/profile/10240419579990346984noreply@blogger.com0tag:blogger.com,1999:blog-1431090020172659233.post-90412862711050471052015-02-19T00:09:00.001-08:002015-02-19T00:09:46.904-08:00Online Stock Broker - How To Find The Best Online Stock Broker<span itemscope="" itemtype="http://schema.org/Article">Online brokers
have an important role to play when you open an online trading account.
Each broker can offer different services and features. You must research
all the online brokers to find the best broker to meet your needs. I
have listed a large number of online brokers and placed their
information for you to read in one easy-to-read webpage. This is a free,
"no-cost to you" service for our valued readers and can be found on
this link: <a href="http://www.yourbrokerguide.com/16/online-stock-brokers-best-online-stock-broker-comparisons/" rel="nofollow"><strong>Best Online Stock Brokers</strong></a></span><br />
<br />
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<strong>What to look for in an online broker.</strong><br /><br /><strong>Brokerage rates</strong>
– this is the rate at which you are charged for buying or selling
through your online account. These rates are usually charged based on a
sliding scale. The more units you purchase in a single transaction, the
less the "cost per unit" you will pay. The exact sliding scale can vary
and may sometimes be negotiable for larger purchases. Compare each
broker and read the fine print within contracts. Pick the one that best
meets your buying and selling style.<br /><strong><br />Account fees</strong>
– Look for hidden fees in account contracts within the terms and
conditions. I know of one broker who requires an extra $10 to transfer
money out of an account "quickly" as against withdrawing money normally.
Hardly a fair fee, I’d say. All fees should be listed in the terms and
conditions listed in opening an account.<br /><br /><strong>Phone access</strong>
– Online services can go down during hours of service. Interruptions to
broadband services, power outages and computer problems can stop you
from accessing information you need at critical points. This is why you
must have phone access to your online broker. Do not even consider using
an online broker if they do not provide phone access.
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<br /><strong>Access to your money</strong> – I prefer having instant
access to my money even though it is held in a cash account by the
broker. Most brokers will have a cash account facility that is linked to
your trading account. My account is linked to a MasterCard account,
which means I can access that money anytime through any ATM or make
purchases as I would normally using a MasterCard. Don’t be misled into
thinking you must only have a separate cash holding account with the
online broker. There are lots of options open to you as a client and
good online brokers will provide several options for your cash holding
account.<br /><br />Extra benefits – seek out those brokers that give you
extra incentives to open an account with them. Some offer a limited free
brokerage period. Others will offer free reports on the markets you are
interested in. These bonus offers can help you getting you account
established and setup a profitable trading account. For more information
on finding the best <a href="http://www.yourbrokerguide.com/16/online-stock-brokers-best-online-stock-broker-comparisons/" rel="nofollow">online stock broker</a> feel free to visit our website.
</div>
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streetarthttp://www.blogger.com/profile/10240419579990346984noreply@blogger.com0tag:blogger.com,1999:blog-1431090020172659233.post-16703015702933766352015-02-19T00:07:00.001-08:002015-02-19T00:07:38.901-08:00Benefits of Hiring Utility Sales Tax Consultants<span itemscope="" itemtype="http://schema.org/Article">Your company may
be eligible for a utility sales tax exemption or refund, but there are a
number of factors that come into play. Only certain companies with
certain machines can apply. On top of that, you need to be aware of the
statute of limitations and understand the percentage of utility usage
that is eligible for the exemption and information about ownership. With
everything that you need to know and do in order to reap the benefits,
you should hire Iowa utility sales tax consultants. Here are 4 benefits
that you can take advantage of by hiring professional assistance:</span><br />
<span itemscope="" itemtype="http://schema.org/Article"><span itemscope="" itemtype="http://schema.org/Article"></span></span><br />
<h2>
Saves Money</h2>
One of the greatest benefits that you can receive by getting
professional assistance is money savings. Many companies find that the
sales tax is as much as 8% of the amount that they spend on utilities
every month, so an exemption can be a great way to save money throughout
the year. The consultant can also audit your utility bills to make sure
that you're not overpaying and recover any money that you shouldn't
have spent. Gather all of your natural gas, electricity, water, and
other utility bills to give to your consultant for review.<br />
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<span itemscope="" itemtype="http://schema.org/Article"><span itemscope="" itemtype="http://schema.org/Article"></span></span><br />
<h2>
Explains Requirements</h2>
Each state has its own requirements that must be met for a company to
be considered eligible for the utility sales tax exemption. A
consultant will know the requirements that you need to meet, and he or
she can quickly help you determine if you'll be eligible. Many companies
will review your information to quickly gauge if you're eligible, and
they can give you more information about what you can expect from the
application process.<br />
<h2>
Conducts Utility Studies</h2>
In order to show that you're eligible, you need to have a
predominant-use study or utility-use study completed by a certified
professional. This person will examine your property and the machines
and equipment that you use. He or she can determine the amount of
energy, heat, and other utilities that are used for manufacturing and
processing. During the study, the consultant will examine each machine
and equipment on your property that is used for manufacturing and
processing. He or she may ask you questions about its hours of operation
and percentage of time used to complete the manufacturing and
processing tasks. With your answers and energy readings, he or she can
complete the study for you.<br />
<h2>
Files Applications</h2>
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With the predominant-use study completed, you can complete your
application. Your consultant can help you complete the application and
submit the claim for you. Having a professional help you complete this
process can give you reassurance that everything was completed correctly
and all the information is there that can help the government make a
decision as quickly as possible. The consultant knows what information
the government will be looking for when reviewing applications, and he
or she can make sure that there is no missing information when you're
ready to submit it. With accurate information and nothing missing, you
can be assured that there won't be any issues with your application so
you can get an answer in a timely manner.<br />
If your utility sales tax seems exorbitant, it would be to your benefit to hire <a href="http://enguard.net/our-services/utility-tax/" rel="nofollow">Iowa utility sales tax consultants</a>.
They can review your current costs to determine if they can recover any
money that you overpaid unnecessarily. You'll need to be aware of the
statute of limitations to determine the amount of money that you can
receive. They can also help you determine if you're eligible for
exemptions, so you can save money every month moving forward. A
professional consultant will become an invaluable asset for your company
to help you get the money that you're owed.<br />
streetarthttp://www.blogger.com/profile/10240419579990346984noreply@blogger.com0tag:blogger.com,1999:blog-1431090020172659233.post-59922706212455676792015-02-19T00:05:00.004-08:002015-02-19T00:05:56.463-08:00What You Should Know About Credit For Small Business!<span itemscope="" itemtype="http://schema.org/Article">Your business is
running well and your customer base is growing. During the last quarter
you actually turned a profit for the first time since you opened your
doors last year. You have a solid business plan and now it's time to
think about moving out of your rented space, buying more equipment, or
perhaps hiring more employees.</span><br />
<br />
<span itemscope="" itemtype="http://schema.org/Article"><span itemscope="" itemtype="http://schema.org/Article"></span></span><br />
Probably,
your business is profitable but during your slow season you're short of
cash or your delivery truck just broke down and you have decided its
time to get a new one. You need to get cash to keep your business moving
forward.<br />
Whatever if the reason, the concerning point is, where do you start?
Well, it is good that there is a wide variety of loan programs and
credit for small business is available that can be applied to almost any
business situation. But the bad news is that choices can seem complex
and overwhelming.<br />
Here are some options that a small business owner can consider.<br />
If your business is profitable over the course of the financial year
but there are times when you are short of cash because your income is
seasonal, you may benefit from a business line of credit. A line of
credit provides access to cash for a variety of short-term financing
needs and gives you the flexibility to draw on the line at any time as
long as you pay down the balance.<br />
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Generally, once the line of credit is accepted, funds are available
when you need them, but the benefit is that you do not pay interest
until you draw on the line. Lines can be secured or unsecured, with
multiple repayment options and a variety of interest rates. Interest
rates generally range from nine to fifteen percent based your personal
and business credit history and other factors. You would generally not
use your business line of credit for expansion or capital investment,
because you may not realize income from your expansion for many months.
For expansion you should consider a loan.<br />
However something you may want to think about is unsecured loans are
loans that do not require any cash down, home equity, personal assets,
or business assets of any kind. Obviously, unsecured lending is a
valuable option for startups which have property or assets they want to
protect.<br />
Without a doubt, an unsecured credit for small business is probably
the most valuable financial tool that a small business owner can
possess. Basically, the credit line works like a huge credit card but at
times can have added benefits like check writing and lower interest
rates as compared to most business credit cards.<br />
streetarthttp://www.blogger.com/profile/10240419579990346984noreply@blogger.com0tag:blogger.com,1999:blog-1431090020172659233.post-85092926871253367452015-02-19T00:04:00.001-08:002015-02-19T00:04:37.856-08:00Promote solar energy in daily usage<span itemscope="" itemtype="http://schema.org/Article">The increasing
demand of electricity and concerns for our environment has forced the
humans to find some alternative energy source. There is a variety of
renewable energy options available among which solar energy is the most
preferred one. Solar energy can be produced by collecting sunlight and
converting it into heat, light and electricity. Solar panels and solar
thermal collectors are used to convert sunlight into electricity and for
heating water respectively. However, the usage of solar energy not so
common as compared to its capability to meet our requirements.</span><br />
<span itemscope="" itemtype="http://schema.org/Article"><span itemscope="" itemtype="http://schema.org/Article"></span></span><br />
Use of sunlight as an energy source is highly advantageous:<br />
<ul>
<li>Sun's heat and energy are unlimited</li>
<li>Solar energy is non-polluting as it does not emit any harmful gases or waste</li>
<li>The versatility of solar energy can be used for small as well as large scale purposes</li>
<li>Low maintenance required and is long lasting</li>
</ul>
Solar energy being a sustainable alternative has got multiple applications:<br />
Lighting- The basic solar application is lighting. Lighting systems
collect and distribute sunlight in order to impose effective internal
illumination.<br />
<strong>Thermal Technologies</strong>- These can be used for heating
water for daily usage as well as for commercial purposes. Solar energy
is also effective for space heating or space cooling. Water heating
systems working with solar energy use various types of collectors to
gather and store sun's energy for water heating. Thermal mass materials
are required for keeping buildings cool by absorbing the heat during the
day and radiate the stored heat at night in cooler atmosphere.<br />
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<strong>Power Generation</strong>- Solar energy can be directly
converted into electricity by using photovoltaic cells. Solar PV cells
are also capable of providing electricity for day to day usage at homes
as well as for commercial usage at offices. They are also used for
supplying power to calculators, watches and many other small devices.<br />
Thus if there has been a solar energy set up installed, it can be
used inevitably as a sustainable source of energy. Keeping this fact in
mind, Lotus Group has designed its new project incorporating various
amenities promoting Green spirit. Mahgaun group is one of the popular
name in real estate presents <a href="http://www.mahagun-group.com/project/mahagunmoderne" rel="nofollow">mahagun moderne</a>,
equipped with solar lighting and solar heating features is a great way
to promote one's friendship with the environment. The residential
project offers 3 and 4 BHK super luxurious homes at sector 78, Noida.
Positioned at a prime location, the project has got everything that
promotes luxury and conserves nature.<br />
streetarthttp://www.blogger.com/profile/10240419579990346984noreply@blogger.com0