Sunday, October 14, 2012

Avlimil - You Need To See This

Avlimil is known to be a female enhancement product that claims sexual enhancement. With the many products for female sexual enhancement, Avlimil is said to help women who are having problems with their sex life. Most of these women are in their post-menopausal stage and are in search for medical help. With the numerous companies that manufacture female sexual enhancement products, it may be a struggle to find the most effective one.

Nowadays, more and more women are looking for treatments for sexual enhancement due to lack of interest in sex and menopausal problems, which can greatly affect their relationships with their families. The manufacturer of Avlimil claims that the product does not only enhance female libido but it also helps improve the energy levels as well as increase concentration and alertness levels.

If you are experiencing sexual problems, sexual dysfunction treatment is not only the solution you need. Most of the time, this concern is due to hormonal imbalance and other complications. It is essential to address these health-related problems rather than focusing on one treatment product.

Ingredients of Avlimil include phyto-estrogens that help improve female libido and some natural ingredients such as red raspberry, sage leaf, bayberry fruit, isoflavones, damiana leaf, capsicum pepper, locorice root, ginger root, black cohosh root and valeriana. These ingredients are said to be useful in reducing mental stress, improving muscle and nervous function, maintaining healthy levels of estrogen and enhancing blood circulation. These components also help in improving uterine and vaginal health.

Avlimil is a non-prescription drug that can be purchased over the counter or online and must be taken once a day. Though Avlimil is known for its ability to cure certain problems, not everyone can experience the benefits of Avlimil.

According to some Avlimil reviews and customer feedback, the results are below average. A lot of people complain about the manufacturer's poor capability in honoring refunds and support requests of customers. In addition, there are numerous criticisms about the product such as illicit credit card billing, failure to credit refunds and failure to permit customers to cancel shipments.

Though there are women who claim the efficiency of the product, there are people who suffer from different side effects from taking Avlimil, which include stomach upset. Some natural treatments may interact with prescription medication, which may cause the product to act slower or faster than the usual. If you are experiencing low libido, it is more recommended to do some lifestyle modification than to take Avlimil, which may affect your overall health.

A lot of herbal treatments for menopause symptoms usually need at least two months before seeing the results. Most of the time, it takes three months before experiencing the best results and it is necessary to take a natural supplement that is recommended by your doctor. Do not take any medication such as Avlimil without having a thorough checkup from your doctor. It is essential to discard any medical concerns that may need treatment than hormonal replacement. Though many medical experts believe that herbal medications are better than over the counter treatments, Avlimil may still have dangerous side effects especially when used improperly.

Thursday, October 11, 2012

Beat Maker Contracts

When it comes down to the time when you want to sell your beats you must have the proper contracts. Yes, this should be a part of your studio in a folder put away, even if it collects dust. Hey, anything can happen, P. Diddy could come knocking at your door, although Bad Boy Records contracts with their musicians are considered to be sometimes "questionable".

When selling a beat, oral agreements will not hold up in court and if the artist is sued on the basis of copyright infringement, without the paper saying you transferred all rights to the artist, the legal implications would shift to the creator of the beat, which is you. If eyebrows are raised by your unexpected professionalism, just tell your potential buyers that it's nothing personal it's just how you transact your business.

Although you can write the contract yourself, with personal necessities of your liking, it is very much preferred that a lawyer be contacted as you may write things that are too vague such as, "in the case of a lawsuit you don't know me". That is more comedy than business. One such person to write this type of personalized contract for you is a music attorney. While initially expensive it will pay off tremendously if perhaps any legal matter pops up that reflects on you when it doesn't have to. Another point to consider is you only need a couple contracts for selling your beat and then you're set for life and may not ever again talk to that legal money swindler.

There are two main types of transactions that are common between a beat maker and an artist, one that gives "non-exclusive" rights and the other that gives "exclusive" rights. Exclusive rights are usually priced much higher than non-exclusive rights. Make sure the music attorney draws up both these contracts separately.

Non-Exclusive or leased rights to an instrumental are when you sell the artist the instrumental but give limitations and restrictions on how the beat can be used. Non-exclusive rights may prohibit the use of the instrumental for commercial sale or promotion, strictly for mixtape use and also no rights of complete ownership to resell the audio in any way. A con about a non-exclusive deal is that as a sampler you would still be held liable for any copyright infringement and not the buyer of said beat unless stated in the contract.

Exclusive rights would transfer all ownership of the instrumental to the new owner after purchase, so any legal implication would go directly to the artist. In this contract it is also common to demand a number of points from the artist's album on top of the set price of the actual instrumental. A point in music industry standards is equal to 1 percent of the amount of the revenue an album generates. Some beat makers may not charge a set price at all on non-exclusive right, and only points depending on how famous, profitable and consistent the musician's history in music retail is. These are generally the common type of deals made by beat making record producers at successful indie and major record labels.

Tuesday, October 2, 2012

Baker College Online MBA Review

Amongst all the traditional online degree programs, Baker College Online should be considered one of the most successful. The college offers online degree programs from the Associate degree level to the Doctorate. Baker College has been particularly successful in the business degree arena and their Associate, Bachelor and Master degree programs have been accredited by the International Assembly for Collegiate Business Education (IACBE). This review covers the Baker College Online MBA program offered via distance learning via the internet.

Requirements for Online MBA Degree

Baker College's online MBA program is very similar to many other traditional and online MBA programs. Even so, one key difference is that the college operates on a quarter hour system whereas many colleges utilize the semester hour system. Baker College's online MBA requires 49 quarter hours in order to complete the degree and of these, 20 quarter hours will be in a specialization except for the accounting track that requires 53 quarter hours.
This MBA program has a core set of 9 courses and each is 4 quarter hours long except for BUS 609 Graduate Seminar which is 1 quarter hour. The other courses are: Human Resource Management, Human Behavior Management of Organizations, The Financial Environment, The Economic Environment, The Marketing Environment, Management Information Systems, Research and Statistics for Managers, Strategy in a Global Environment.
The various specializations that a student can earn at Baker College in the MBA program are: Accounting, Finance, Health Care Management, Human Resources Management, Information Management, Leadership and Marketing. Much like Kaplan University, Baker utilizes the 6 week term.

Tuition, Military Discount, Other Costs and Benefits

Tuition at Baker college compares favorably to Kaplan's. While Kaplan University's tuition is slightly less per hour than a number of other online to most online programs. The credit hour cost is 5 and for the 49 quarter credit hour program the cost of the MBA is ,905. For the 53 quarter hour Accounting MBA, the cost is ,285. The school also has a number of other fees, such as application and graduation fees, but these are very modest and should not adversely impact any student from getting their degree.

With Graduate Management Admission Council (GMAC) reporting that the average expected starting annual salary for new professional hires from MBA programs to be in the K range in 2006, the price of the MBA can be a good return on investment (ROI). Additionally, the U.S. Census Bureau reports that the average earnings for a person holding a graduate degree and between the ages of 45 and 54, is about ,000. It should be noted that these are averages and that major metropolitan areas the amounts are generally higher.

Baker College does not offer a military discount for any of its programs but the college does qualify for the Post 9/11 GI Bill. Distance learning students will not be entitled to the housing allowance of the Post 9/11 GI Bill because the MBA program is attended online only. For veterans using the Montgomery GI Bill or the Post 9/11 GI Bill, taking one course per six week term enables the veteran to meet the requirement for full time attendance.

Overall Assessment of Baker College Online MBA Degree

This MBA program is reasonably diverse, but the 6 week terms may not allow material to be covered in depth, much like a similar assessment of Kaplan's program. Even so, the school will appeal to working adults who become online students in order to obtain the necessary academic credentials to advance their career. In many cases, these are accomplished professionals who need a check in the box to get the next promotion, or have the desire to add something to their resume.

Thursday, September 27, 2012

How To Finance Your Mercedes Benz

Financing your Mercedes Benz purchase may not be as difficult as you think. In fact, it may be pretty easy to find a lender who is willing to provide you with the finances you need to make this investment. That's because it's a solid buy. Lenders know that these cars are well-built and that they last, holding their value as they do. Keeping that in mind, you may want to consider what all of your options are. After all, you are going to pay for this vehicle. The question you have to ask, though, is how to save money on that investment.

Is Dealer Financing an Option?

One of the ways you can pay for your new Mercedes Benz is to simply purchase it through a loan provided by your lender. Dealer financing is not available through all vehicle dealerships. It is often available for both new and used vehicles, though, when it is available. You can get a good deal this way, but before you agree to the terms that your dealership lending office presents, be sure you are getting the best possible deal. That means considering other options for borrowing.

Your Local Bank

A bank or credit union can often help you to pay for the vehicle. These companies are willing to lend to those that they know, though some do have an open policy of accepting qualified candidates. If you have a bank or a credit union you've used for a long time, it may be a very good thing to discuss your need with your lender. Because they "know you" they may offer a great rate. The interest rate, term limits and the amount you can borrow are all dependent on that relationship.

Turn to National Lenders

Some credit card and secured lenders offer auto loans. These can help you to buy your Mercedes Benz as well. You can often connect with these companies online. Simply apply for a loan through the website and learn if you can buy. If so, the company will provide you with a letter to present to the dealership to show how much of a vehicle or loan you are qualified to obtain. This option is often done before you begin shopping for a car, but you can also do it once you've found the vehicle you want to buy.

Which of these is the best option for buying your Mercedes Benz? To know the answer to that, you have to consider the terms including the interest rate. This will ultimately make the biggest difference because it is the cost of the loan. To save money, look for the lowest interest rate possible.

Wednesday, September 26, 2012

Asbestos Removal for Dummies

What is asbestos? Asbestos is any of several minerals that readily separate into long, flexible fibres. Chrysotile is the most common type and accounts for about 95 percent of all asbestos in commercial use. Asbestos was mined in Australia from the 1940s to late 1980s and used in a variety of materials and products.The fibre was formerly widely used inbrake linings, gaskets, and insulation; and inroofing shingles, floor and ceiling tiles, cement pipes, and otherbuilding materials.

Inhaling asbestos fibres can cause health risks such as asbestosis, mesothelioma and lung cancer. Majority of people who have contracted these diseases have a long history of exposure to asbestos and spanning over a long period of time.

Roughly thirty percent of buildings in Sydney contain some form of asbestos.

If you do not know the condition of your AC sheeting then you can get an asbestos report done by a licensed asbestos removal contractor, which will outline all areas containing asbestos, the condition of the area, the health risks associated and the required course of action.

Many homes & garages contain corrugated asbestos cement roof sheeting that is in poor condition, i.e. unpainted, weather damaged, eroded. Action is a must in these cases, and a licensed asbestos removals contractor should be contacted..

Safe asbestos removal practices:

* You must not cut, grind or break asbestos sheeting

* Appropriate protective equipment needs to be used, eg Australian Standards Protection Level 2 (P2) minimum half face disposable mask, disposable coveralls, protective gloves, goggles, steel cap boots

* Asbestos sheets needs to be removed with minimal breakage and must be kept wet to limit the release of fibres

* Asbestos needs to be doubled wrapped in builders plastic 200um thick

* Asbestos needs to be disposed of at a licensed disposal landfill or transfer station, WSN Environmental Solutions have several sites that accept asbestos

* Asbestos removal should not take place on windy days

USEFUL RESOURCES & LINKS

The Occupational Health and Safety Regulation (SYDNEY & NSW)

2001 (Regulation) outlines the following specific requirements for asbestos removal:

Chapter 4, clauses 43 and 44 - Risk assessment, control and asbestos register

-the controller of premises must identify any foreseeable hazards and control them. An asbestos register and exposure standards must be kept.

Chapter 6, clauses 169 and 170 Carcinogenic substances (health surveillance records)

-for employers the use of asbestos in the form of chrysotile, crocidolite, amosite, fibrous anthophyllite, tremolite or actinolite are prohibited except for the purpose of sampling or analysis, maintenance, removal, disposal, encapsulation or enclosure and any potential exposure must be recorded and advice given to the employee.

Chapter 8 Asbestos in construction

-specific conditions for asbestos removal work on construction sites and prohibition on the reuse of asbestos products or water blasting asbestos products.

Chapter 10 Licence requirements

-the requirements for licensing for bonded and friable asbestos removals; from 1 January 2008, a licence is required for the removal of more than 10 square metres of bonded asbestos material.

Chapter 11 Permit applications

-permits for friable asbestos removal work.

Chapter 12 Notification of Removal work

-notification of bonded asbestos removal work; exemption requirements for naturally occurring asbestos.

The regulation does not allow the use, reuse or sale of any asbestos product.

For more information regarding asbestos removals see the WorkCover NSW site:

Sunday, September 23, 2012

Canadian Gift Card Swap

Canadians now have a way to turn their unwanted gift cards into cash. For years millions of dollars of these plastic cards have been lost, stolen or expired. The lost cards have been created a huge windfall for the stores that issues them and never end up having to part with any merchandise or refunds for unused cards. While several websites in the US that buy and sell gift cards have been around for years, none of them have provided an outlet for Canadian consumers. There are currently a couple ways to get cash for your cards but until recently there have not been any services that offer the same simplicity and ease American sites have offered. In this article we will examine the top three Canadian gift card swap techniques.

Canadians can and always have been able to sell their cards on ebay Canada. Although it is not dedicated purely to gift certificates the auction website provides a relatively easy way to sell a card. I say relatively easy because if you have not already signed up for an account it can be a pain to learn how to use the website. It is not simple for newbie's and you may need to make a couple purchases first to build up your ebay street credit. This credit or trust ranking is called feedback on ebay and people will rarely bid on an auction if the sell has low feedback.

Another way you can sell your cards is by using local classified or online classifieds websites. Although many people do use these services as a card swap they can be time consuming. Not only do you need to wait for someone to reply to the ad you post but you will also need to meet up with them to exchange the card for cash. If you place the ad in a small community your are unlikely to get any replies, however if you live in a larger community and place an ad you are likely to get a response but a new problem will emerge. If you are selling your gift card in Toronto and live in downtown Toronto and someone in Oakville or one of the other suburbs wants to buy your card than you might have to drive half an hour just to meet up and do the exchange. This can turn the relatively easy process of selling your card on a classifieds site into a huge hassle.

A new Canadian solution has surfaced that will let you swap your cards for cash. A new gift card trading site that originally began as a gift cardswap quickly evolved into an easy to use service that gives you cash for your cards. All you have to do is submit some details about you card, send it in and within 24hrs of your card being verified you will receive payment online (cheques are available by request). Why use a gift card swap when you can instantly turn your card into cash? In this day and age who has the time to wait for a buyer to appear and then hope your escrow payment is released? The simplicity of this server is what makes it so great you simply exchange your unwanted cards for cold hard cash.

With retailers no longer offering cash back for their cards it was only a matter of time before a secondary industry sprang up to service this issues for consumers. Luckily Canadians now have a variety of viable options for turning there card into cash. These services will only become more common until retailers step up and take some responsibility for the value on the cards they issue.

Saturday, September 22, 2012

Whizz Past Obstacles of Funding With Bike Finance

Bike Finance helps the daily commuter with easy finance options to buy a new motor bike. Commuting is an essential part of our daily lives and we have to opt for affordable means to keep our expenses in check.

Public transport has become quite tiring as well as time consuming. Working by the clock, one must hurry throughout the day to get the tasks at hand completed. Most people opt for motorbikes as they are cost effective and also can save a lot of time running errands. Make your dream ride come true motorbike finance caters to those who feel the need to acquire their own bike to make life easier.

Financing a motorbike can either be done through the traditional modes such as banks and other financial institutions, or through the online mode which is more convenient as easily accessible. Online methods offer better rates as many miscellaneous charges are not included. Besides, it is a hassle free mode, done at the comfort of one's own home or office. It all happens with a click of a button. The website contains the application form. All that is required is for the form to be filled and basic documents to be submitted. These include:

Proof of age (above 18 years)
Citizenship of the UK
Employment and salary details
Bank account information

On dealing with online motorbike finance the repayment term and interest rates depend upon the type or form of loan one avails. These types of loan can be categorized into secured form and unsecured form of loan. The secured form entails collateral or pledge as it advances larger amounts of money with less rates of interest. The unsecured form doesn't require any collateral but involves smaller amounts of cash with higher rates of interest. This form is gaining popularity because of its affordability and accessibility.

The motorbike finance extends it services to those with credit arrears also. Interest rates will be higher than those who have a good credit rating. Repayment options are flexible and the lenders are not restrictive.

It is advisable for the borrower to study the various options available under the Bike Finance loans and weigh the advantages and disadvantages of the same. The funding is quick and swift and one can finally own that motorbike in no time at all. It is important to note that without a regular income this finance facility cannot be availed.

Thursday, September 20, 2012

How to Choose a Trustworthy Stockbroker

Many investors feel comfortable researching, selecting and buying their own stocks, especially with the ease of buying afforded by the Internet. However, if time is a factor and you do not feel comfortable making investment decisions on your own, you can seek help from a qualified stockbroker.

If you elect to do so, you need to be careful who exactly you trust your money with, as having a stockbroker can either make or break you. Here are some tips you should always keep in mind as you go broker shopping.

First, determine in advance whether you are seeking the help of a discount or full-service broker. Discount brokers get commissions on each purchase, but offer little advice, while a full-service broker will provide more investing assistance, but for a fee.

Knowing what you are looking for will save you time. Do some research before you talk to different brokers so you know the lingo that they are going to use on you, to convince you to go with them.

Next, look for a broker who is easily accessible and, if he or she is not reachable, then find out who covers for them. On busy trading days, can you reach this broker?-this can be very significant.

You want someone who is going to be dependable, and there to meet your needs. While you are not their only client, you should feel like their most important client if you are going to trust them.

Always shop around. Meet with several brokers and try to find one with whom you feel comfortable.

The rapport you have with your broker is important. This individual will be handling and investing your money.

Therefore, if you don't feel comfortable or you feel intimidated, then you should look for someone else. Don't get railroaded into using someone you don't like.

Don't forget to get referrals. It is always advisable to work with someone whom you have heard good things about.

Ask around and find out which brokers other people use and why they selected a specific broker. Be careful who's opinion you decide to take, however.

Just because your brother in law may love what their broker is doing with their money, that doesn't mean you are going to want to take the same risks as they are. Take advice in hand, but always make your own informed decision rather than relying on advice.

Next, look for a broker who understands your financial goals and needs. He or she should take the time to research the type of investments that will meet your needs and understand the type of investor you are - conservative, aggressive or somewhere in-between.

Check out the broker's background and strategy. First, make sure he or she is properly licensed.

Then find out about his or her experience, training and certifications. Next, determine how he or she approaches investing-what are his or her criteria for making an investment decision?

Remember, do not use a broker that is steering you toward investments that he or she benefits from by receiving higher commissions. You need someone who has your interests in mind.

If a broker has a "sure thing," be leery. After all, is there ever really a sure thing?

Don't be afraid to ask every question you can think of. They should be able to explain everything there is to know about your investments in detail, and put your mind at ease.

Find out how commissions are determined and how much they will be. Get a commission schedule that spells out when you will be paying.

Keep in mind that an annual fee, rather than a transaction-based fee, can eliminate "churning," a practice whereby a broker is running up commissions by making unnecessary transactions. Find out in advance all additional fees and charges you will be expected to pay.

Lastly, be careful with the "deep discount" brokers. Use only ones that you have heard from people you know are reliable-always read the fine print carefully.

Once you start working with someone, remember if you are not happy you can always make a change. Don't be afraid to shop for someone else if you are not happy-the priority remains that you are your investments remain safe, with your money growing at a steady rate.

Saturday, September 15, 2012

Auto Detailing Calgary: How to Get Soda Stains Out of Your Car Seat

You know you love your car. You love driving around, and going to different places throughout the day. You stop to fill up on a little gas and decide to get a cherry soda. Why not, it is hot out right? You just got your car detailed, so you tell yourself you are going to be very careful drinking this tasty beverage. You are driving down the road and go to take a sip, and all of a sudden the car in front you slams on their brakes and that soda is all over you and the seat. How are you going to get the soda stain out? This article will explain exactly how to do that and possibly prevent them for happening in the first place.

Soda stains are pretty hard to prevent in a car. It just seems like they are a natural occurrence, especially if you have kids. The only true way to stop soda stains from happening is keeping you car soda free. Why not, it is your car after all. If your family loudly opposes this idea you can let them only bring bottled soda in the car, because that at least has a cap on it whereas soda cans do not. Another thing you could do is to spray a fabric protector on all of your car seats according to the manufacturer's directions. While this won't stop your kids from simultaneously pouring grape soda on your nice white car seats, this will make clean up a little easier on you. Of course you can put car seat covers on all of the seats. Then all you would need to do is throw the covers in the washer machine the next time a soda spills.

How to get the soda stains out may be a little trickier but it is possible. Let's first discuss how to clean up a fresh soda stain, which may be easier to deal with than a set in stain. So, you just spilled some soda on your car seat. The first thing you should when it is safe to do so, such as after you pull over, is to blot the soda with a paper towel. Keep on blotting until you get all the liquid up. Make sure you do not use a scrubbing motion because you will only rub the stain into the seat. Once you do that take a spray bottle filled with 4 cups of warm water and a tablespoon of detergent and spray the stain. Let it sit for a couple of minutes and then proceed to blot this up with paper towels. Repeat until the stain is gone. If you have leather car seats dampen a paper towel with warm water and blot the soda up. Make sure to dry the spot with more paper towels until dry.

If you have stains that are set into the seat of you car you may want to use a foaming upholstery cleaner according to the manufacturer's directions. You could alternatively use a steam vacuum with a hose attachment on the stain, and follow the directions. As always when cleaning any fabric make sure you test the method on a small spot of the upholstery that isn't as noticeable to make sure it doesn't do any damage.

Thursday, September 13, 2012

5 Ways to Keep Your Family Free From Recession-Stress

In these times of economic uncertain, when most of us are with financial crisis, we must come up with simple ways and techniques that will protect our family from in these overwhelming times. Ruth Klein, the De-Stress Diva, helps people overcome stress by sharing simple, soul-centered tips on life-management issues, such as stress reduction. Ruth Klein's tips and ideas have worked wonders for those that have come to her after at this for too long. Following are five ways to help protect your family and friends from recession stress:

1. Encourage open discussions: Instead of keeping your fears to yourself, it is a good idea to share them with your family members, but in a positive way. Have open discussions; find out what others think about the economy. It is okay to express your fears, but just make it a point that both positive and negative aspects are shared and talked about. Do not procrastinate on starting this conversation with your family; the earlier you have it, the better.

2. Engage in stress-reduction activities: is critical. As important it is to earn money, it is equally important to spend quality time with your family members. This will relax you and keep you de-stressed. Physical exercise and laughter therapy are good ways of reducing stress. Plan relaxing evenings with your family, where you can simply go for a walk, see a movie or cook healthy treats for the upcoming week.

3. Live a healthy lifestyle to stay stress free: It is a scientific-backed fact that unhealthy eating habits are one of the major causes of stress. Even sleep plays a major role in helping to reduce stress. Make sure that you and your family eat healthy each day and spend at least 7 hours each night sleeping to avoid stress.

4. Make budgeting a family affair: A budget is something that can seemingly overwhelm the family if done all together, so most of us just appoint one person to handle this task. Instead of just imposing restrictions on your family members, include them in the budget making process and tell them why a cut-back on expenses is required. This way, you not only earn the respect of your family members but also encourage them to spend less and will be able to support a leaner budget in not-so-good financial times.

Take good care of yourself: As important it is to take care of your family members, it is equally important to take good care of yourself. With proper time management techniques, you will have plenty of time for yourself to exercise, enjoy healthy food, and go out of the house once in a while to meet friends. You can be a role model to your family. The kind of lifestyle you follow is the same kind that your family will follow.

The De-Stress Diva is Ruth Klein Lifestyle Expert, Speaker, Coach, Best-Selling Author, Mom and Business Woman who is frequently quoted in the media and appears on TV and Radio.

Click here for Ruth Klein's popular 20 Ways to DeStress:

Wednesday, September 12, 2012

Subway Franchise Review - One Footlong At A Time

The first Subway franchise was born in 1974 even though founder Fred DeLuca opened his first store 9 years earlier. Today there are currently over 29,000 Subway franchises spanning the globe in over 85 countries. Entrepreneur magazine has ranked Subway the number one franchise 13 out of the last 17 years, so its a rock-solid franchise.

Even with its amazing popularity and tremendous track record, the real question is deciding whether or not owning a Subway franchise is the right choice for you and your family. There's a ton of things you should consider when making this big of a choice, so let's identify what the positives and negatives are.

First of all, the total cost of entry and the total investment to get started ranges anywhere from 1,000 to 5,000. The reason for the big discrepancy depends on whether you're buying an existing franchise or you're having to build one or start one from the ground up. Other costs may include remodeling, leasing equipment, inventory, etc. Typically, the down payment that's required must come from your personal liquid assets and can NOT be borrowed or come from a loan. That fact right there might eliminate some potential franchise owners.

Every Subway franchise pays a royalty fee to the company, specifically 8% of their overall gross sales. This is very important to understand because losing 8% right off the top before you pay for any rent, equipment, inventory, marketing, employees, etc can make a difference in whether or not you're profitable. On the other hand, in exchange for the royalties the franchisee's are rewarded with a strong brand recognition and national advertising campaigns.

As far as sales are concerned, 2800 sandwiches and salads are sold every 60 seconds. This provides a pretty constant flow of customers and expected sales. Potential franchise owners feel comfortable with this knowing that their stores most likely will not be empty. Besides, people have to eat somewhere, right?

On the flip side, you are at the mercy of your store location when owning a Subway franchise. No matter if you are open 24 hours, a location can only serve so many customers and can only make so much money. Obviously the product can not be sold online or in other areas, so actually getting traffic to the store is the only way to make sales. In this regard, the Subway franchise is NOT scalable. An entrepreneur would probably have to own multiple locations to really generate the kind of income they would be looking for in owning a franchise.

Furthermore, to buy a franchise, you must have good credit, have considerable net worth and you have to be approved by the company. Once again, this could potentially eliminate more prospective franchise buyers. In the end, owning a Subway franchise is a solid way to have a great chance of success but keep in mind that to really make it big, you'll probably have to own about 10 or more.

Thursday, September 6, 2012

Business Loans Are Not Hard To Get

There has been a tremendous amount of talk in the media over the last few years about how small businesses cannot access business credit (loans, lines of credit, working capital advances or business credit cards).

In fact, several small business associations claim that 41 percent of small businesses cannot access business credit or business capital.

I say they are wrong. What they are actually saying is that they cannot access business credit on the terms they want or in the form they desire.

Clearly, getting a business loan in 2004 through early 2008 was a lot easier than it is now. But, what really happened was that business loan underwriting standards where drop or lessened allowing individuals and business owners, many of who should not have gotten credit in the first place, to obtain risky loans loans that were not repaid and could have never been repaid; very similar to what mortgage banks and mortgage brokers did with home loans.

They underwrote risky loans just to collect origination and processing fees then sold those loans off to investors (again collecting additional fees) holding no risk in the end. What this did was put a lot of unnecessary toxic business credit in the market loans that should not have ever been made.

Think about it this way. Let's say that on a scale of 1 to 10 based on a loan difficulty with 1 being the easiest option of obtaining a business loan. Prior to 2004 business loans had a number of about 5. They were not easy to get or hard to get. Banks just followed standard loan underwriting protocols. Thus, those who should get business loans did and those who shouldn't didn't. At that time, underwriting was based on costs of funds and risk of repayment.

But, when congress open the secondary market for these loans (just like they did for secondary home mortgage loans with Fannie and Freddie) banks realized that they could quickly collect underwriting fees then pass off those loans without assuming any risk. Based on this (just like with the housing market) they lowered their underwriting standards (why not as they had no risk it was all up side for them). Thus, the difficulty number for business loans dropped from 5 all the way to 1 (where anyone could get a business loan regardless if they qualified or not).

Therefore, for years, business owners were able to quickly and easily get business capital if they were willing to pay the bank's or lender's fees.

Now that the market collapsed, the difficulty number for business loans has once again returned to its normal position of 5 making them not easy or hard to get.

The 41 percent who claim that they cannot access business credit today are the ones who should not have gotten credit in the first place.

The bottom line is that business loans are not hard to get they were just really easy to get a few years ago and have now resorted back to where they should be on the difficulty scale.

To obtain a business loan today you must first understand why your business needs outside capital (it has to be for growth anything else is wasted money) and then understand how your business, as it stands, can leverage itself to obtain those funds there are as many ways to obtain business capital as there are request and each one is no harder than it should be.

Tuesday, September 4, 2012

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

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

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

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

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

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

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

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

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

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

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

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

Sunday, August 26, 2012

Human Resource Key Performance Indicators For Finance

Finance, always topical , of interest to everyone regardless of sex, color or creed, monetary values that are monitored by key performance indicators. Human resource operators manage and monitor real time trade environments.

Finance is an irremovable sector of the rich tapestry of life some say finance is management of finance in a modular scientific format. It is modular as the science extends across public finance, business finance and personal finance. Astute finance managers implement an array of KPIs which may be supported by real time alerts when trading in real time stock markets and exchanges. Financial modules will depending on the trading environment be subjected to risk factors. Time factors influence the timeline which is best suited to buy or sell finance. When trading in finance a potpourri of commodities one may wish to trade in are gold, reinsurance, government bonds, rubber markets, stock markets and of course currency markets. There is also a number of alternative commodity trading options, as in agriculture and farming both products and livestock are trading commodities. A fisherman generates finance by dealing in fish. A computer manufacturer generates finance by selling computers and PCs. Collectively when
there is no finance there is likely to be no business.

Human resource is one of the backbones of business, similar to the foundations of a building once the foundations are implemented one can then start building on the foundation base platform. Business can be established by adopting similar principles namely set up a human resource team of workers, then build up your business by using the skill sets and benefits that the HR foundations enable you to build a business upon. One element of control in business that requires 365/24/7 monitoring and control are costs, all FD's Financial Directors and Financial controllers need data to process costs, audit sales, audit profit and loss balance sheets. When KPIs are integrated into system data and audit data can be easily delivered to the financial controller. Methods of data transfer include email transfer, SMS delivery, Cloud computer storage gateway delivery etc etc.

Un audited finance should never exist in 2010 all the necessary control and monitoring resources are available for access. Regardless of whether it is a human resource or a computerized system that generates KPIs Key Performance Indicators.

Ensure that all your finance issues are controlled and monitored by specialized computer applications and systems that will manage, monitor and alert control your companies finance division.

There is an inherent synergy between Human Resource, Key Performance Indicators, for Finance. They are that when one combines together HR with KPIs and Finance one achieves a cohesion of three elements that when properly blended into a companies financial business process produce accurate managed data analysis Warning to one and all when dealing in finance it is essential to understand that trading in finance has many risk areas, most risk factors can be negated if one ensures that the necessary management tools and resources are implanted and/or absorbed into the financial control process.

When you control your financial software applications, you will have your company finances under control

Control all your personal and company finances now!

Thursday, August 9, 2012

Stock Investment In Nigeria: Its Process And Benefits

Introduction

Securities are created and issued by corporate bodies and governments, which are in need of funds to finance expansion or development projects. For instance, Wazobia Plc, a manufacturing concern needs to expand its facilities to accommodate present and anticipated consumer demand as well as replace aging or obsolete equipments. It is however, short of internally generated funds (retained earnings) to undertake the projects require long gestation and payback periods, money market facilities which have short tenure would be inappropriate funding sources. The company would be left with one possible option, that is, to access the capital market if it meets the requirements for entry. This could be done by issuing shares and/or debt instruments. (Securities and Exchange Commission, 1999). Thus, capital market is a segment of financial market that is responsible for mobilizing and channelling long term funds into productive investment such as fixed assets. The investments in capital market are at longer period of time, which are held for a minimum of five years.

Moreover, the term securities consist of stocks and bonds. It is not possible in
this paper to digest all aspect of securities. Therefore, this paper shall limit itself to stocks only (i.e. shares).

Theoretical Framework

Fischer and Jordan (2005) see investment as a commitment of funds made in the expectation of some positive rate of return. If the investment is properly undertaken, the return will be commensurate with the risk the investor assumes.

Similarly, an investment is the current commitment of money or other resources in the expectation of reaping future benefits. For example, an individual might purchase shares of stock anticipating that the future proceeds from the shares
will justify both the time that her money is tied up as well as the risk of the investment. You sacrifice something of value now, expecting to benefit from that sacrifice later. (Bodie, Kane, and Marcus, 1998, p. 2).

Distinction between real assets and financial assets

According to Bodie, Kane, & Marcus (1998) real assets are assets used to produce goods and services. In contrast to such real assets are financial assets, such as stocks and bonds. Such securities are no more than sheets of paper (or entries in a computer) Financial assets are claims to the income generated by real assets (or claims on income from the government). If we cannot own our own auto plant, we can still buy shares in General Motors or Toyota and, thereby, share in the income derived from the production of automobiles.

Definition of Stock

In simple terms shares is ownership in share of a corporation. According to Ahmed (2008) securities as stocks and bonds. According to him, a stock represents a share, or percentage, in a corporation's profits and assets. By purchasing stock an investor is buying a percentage of ownership in a company.

Different Types of Stock

There are two main types of stock or shares, namely; ordinary shares and preference shares. Ordinary shares according to Nwiwu, Ya'u, Ezeocha, Ezima and Uzoigwe (2007) this form that part of capital structure of the business contributed by the common stock holders .For a new company it is called venture capital but in the old companies it is called equity share capital.

Ordinary or equity shareholders ordinarily own the business, so all reserves belong to them. They have the right to votes in the company. The shares are non- redeemable even though transferable. However, they have no fixed rate of dividend since rate depends on the level of profitability, company liquidity and management discretion. On the other hand, Preference shares are the hybrid or bat of financing because they exhibit the tendencies of both equity and debt at the same time. They have a fixed percentage dividend before any dividend is paid to the ordinary shareholders.

Share Certificate

Nwaiwu (2004) when shares are allotted to the investor a note will be sent indicating the number of shares allotted. After some period a share certificate will be issued. This certificate is a security, a proof of ownership of the shares in the company. If in future the shareholder wishes to sell the shares, the share certificate must be surrendered to a stockbroker who will forward it to the company's registrar. Nigerian Investments and Securities Law Reports (2004) pointed out that securities in the market are available in either of the following two (2) forms:

i. In certificate form; and
ii. In dematerialized form

When a security is presented in a certificate form, the selling agent needs to verify the signature of the holder and the validity of the presented certificate(s) with the Registrar to the company, after which it could be deposited for sale or any other form of transfer in dematerialized form into the account of the beneficial owner held with the CSCS. Consequently, any subsequent sale or transfer of these securities can validly be undertaken without any need to revert to the Registrar. It therefore follows that securities held in the CSCS account of any holder are deemed to have undergone the necessary verification and confirmation with the Registrars and therefore the holder is rightfully accepted as the true beneficial owner of the securities reflected in his account with CSCS. Thereafter, the only proof of ownership of the said securities that is available to the beneficial owner is the CSCS statement of account issued to him.

Benefits of Investing in Shares

According to Kofa (2004) there are numerous benefits accruing to a shareholder who invests in shares. Such benefits include:

i) Return on investment by way of dividend payment (share of profit by the company on each share owned by the shareholder. This of course depends on the number of shares held by the shareholder. The dividend declared by the company's Directors must however be approved at the company's Annual General Meeting (AGM).

ii) Bonus issue, this is an additional share given to shareholders based on the number of shares owned by each shareholder free of charge at a ratio approved by the Board of Directors/Management and ratified at the company's AGM.

iii) Capital appreciation; this is an increase of share price over time. The value of company share increases due to performance and demand/supply factors. That is, for example, unit price of share purchased today at N10.00 could be N20.00 one year after, due to market forces.

iv) It can be used for security/collateral for loan purposes. Share certificates or statements are acceptable as good collateral for loans by banks and other financial institutions.

v) Pressing immediate needs could be met without seeking any bank/individual financial assistance by disposition of shares.

Risks associated with stock investment

Elakama (2004) emphasized that there are no guarantees when it comes to individual stocks. Some companies pay out dividends, but many others do not. And there is no obligation to pay out dividends even for those firms that have traditionally given them. Without dividends an investor can make money on a stock only through its appreciation in the open market. On the downside, any stock may go bankrupt, in which case your investment is worth nothing.
Similarly, Securities and Exchange Commission (1999) like other forms of investments, there are risk/cost associated with investing in the capital market. There are also obligations on issuers of securities. The risk to investors includes possible unfavourable rate of return owing to depreciation in market value and/or nonpayment of dividends. It could also involve possible loss of investment should a company go burst.

Nature of capital market

At this point, it is important to recognise the nature of capital market. Sulaiman (1999) defines capital market as a network of interrelated institutions governed by operational guidelines which permit the sale of equity and long term debt

Elements of the capital market

There are three identifiable features of a capital market. These are: the instruments; the market place; and the participants.

a) Financial instruments
Financial instruments are the investment products, created to ensure the smooth and easy transfer of funds in the capital market. These instruments, generally known as securities are financial assets, which represent either debt or ownership. The instruments have various features depending on their type between the primary and secondary markets is the fact that proceeds of sale of primary securities go to the issuer (company or government) whereas in the secondary market, proceeds go to the investor.

b) The market place
Securities and Exchange Commission (1999) the capital market is divided into two separate but closely-related segments known as the primary and secondary markets. Primary Market a forum where new shares are offered to both existing shareholders and general public for purchase. Primary market offers can either be made directly by the company to increase its paid-up capital or through privatization of Government holdings, technically called divestment of government shares. On the other hand, Secondary Market is a market where existing shares are traded (sold and bought). Trading of shares at secondary market takes place on the floor of The Nigerian stock exchange. The Stockbrokers buy and sell shares on behalf of their respective clients. Essentially, the Stockbrokers are the dealing member firms licensed by both the Nigeria Stock Exchange (NSE) and the Securities and Exchange Commission (SEC) to deal on shares and offer other services to the investing public. (Kofa, 2004, p.28).

c) Participants in the Market
Securities and Exchange Commission (1999) to facilitate the saving and investment process in any economy, financial intermediaries must exist and in good number. The financial intermediary is essentially a middleman who pools funds form savers and passes on such funds to those in need of them. An intermediary is a specialist) professional) in his line of business and thus, heavily relied upon by his clients to make good investment judgement on their behalf or provide professional advisory services to them. The capital market has a wide array of intermediaries performing various intermediation functions. They include:

i) Issuing Houses: These are institutions which assist corporate bodies and governments to raise long-term funds by packaging security issues for subscription on their behalf. The issuing house by this function plays a central role in the issuance process, and in industrial development. The issuing house as the principal agent of and adviser to the issuer has the responsibility of advising its clients on the most appropriate instrument and method of sourcing the required capital. It also has the responsibility of assembling and coordination all other specialists required in the issue process, ensuring that statutory and all other requirements are met, and that the issue is properly packaged and successfully concluded. Packaging would include pricing of the securities, preparation of the prospectus and other documents, as well as marketing and distribution of the securities.

ii) Stockbrokers/dealers: These are major players in the secondary market. Stockbrokers are the only persons permitted to transact business on the floor of a stock exchange or on the over-the-counter market. A stockbroker, therefore, stands between the seller and buyer of registered securities, making it possible for both parties to realize their desire to buy or sell securities. To act as an agent of the public or deal in his own account, a stockbroker/dealer must be registered by the statutory regulatory agency (Securities and Exchange Commission) and licensed by the stock exchange. As an agent of his client, the stockbroker is under obligations to transact business for him at the best price obtainable in the market.

iii) Investment Advisers: These are institutions/persons registered by the statutory regulatory agency to provide investment advisory services to their client for a fee. Investment advisory services are incidental to stock broking and issuing house business.

iv) Portfolio Managers: These are institutions registered by the statutory regulatory agency to manage the portfolio of clients. Portfolio management entails the receipt of funds, sometimes very large sums, to be invested by the portfolio manager. Most often, the choice of investments are left to the manger who however must send periodic investment statements, to his client. In exercising his discretion, the manager must at all times, consider the best interest of his clients. Both investments advisory and portfolio management services require extensive economic/market analyses to guide investment decisions and advice to clients.

v) Registrars: These are institutions employed by companies to keep comprehensive registers of their members (shareholders) and creditors. In addition, they arrange annual general and extra-ordinary meetings for their clients; distribute stock/share certificates, annual reports, dividend warrants and notices of shareholders' meetings. In cases of issue oversubscription, registrars dispatch surplus monies to subscribers.

vi) Trustees: These are important participants in debt issues and collective investment schemes such as unit trust. The trustee protects the interest of investors in debt instruments by monitoring and ensuring the fulfillment of the term of the trust deed.

vii) Receiving Agents: These are banks and stockbroking firms appointed by the issuing house to serve as centers for the distribution of offer applications forms, as well as for the receipt of subscriptions monies on behalf of the issuing house, for a fee.

viii) Receiving Bankers: These are banks designated by an issuer to receive proceeds of an issue on its behalf.

ix) Solicitors: These are law firms which either represent the issue or the issuer. In practice, two solicitors are required in a public issue of securities. These are the solicitor to the company (issuer) and the solicitor to the issue. The solicitor to the company among other things ensures that the memorandum and articles of association of the company are in consonance with legal requirements of a public company, and effect amendments where necessary. The solicitor would examine issue relating to the authorized capital, ensuring that it can accommodate the issue being proposed. Where a debenture stock is to be floated, the solicitor would make sure that the company has the borrowing power to do so. Generally, it is the duty of the solicitor to the company to ensure that the company complies with the provisions of the corporate law of the country (e.g. the Companies and Allied Matters Decree 1990 in Nigeria).

x) Auditors: These are the existing auditors of the company. In their capacity as the auditors, they provide historical perspective on the accounts of the company for inclusion in the prospectus.

xi) Reporting Accountants: These are firms of accountants which provide independent assessment of the accounts of the company. They review management forecast and examine the reasonableness or otherwise of such forecast. Based on their findings, the reporting accountants can recommend adjustments to the management forecast. They also prepare statement of indebtedness of the company, among other things.

Prerequisites to successful investing in stock

a) Selecting a Broker
According to Fischer and Jordan (2005) the investor's first step in establishing a satisfactory relationship with a broker is to choose a firm that is suitable for his needs and to select a representative of the firm with whom he can work. In practice separating the two choices is hard, for if one has chosen a satisfactory firm but is unhappy with the representative, it is embarrassing to shift one's account to another representative within the same firm. The brokerage firm should be a well-known and long-established institution. In selecting a firm an investor can ask for recommendations from his bank or from friends whose opinions he trusts.

b) Opening a Brokerage Account

This is an investment account, which is opened with the CSCS through a stockbroker. When this account is opened a client is issued with two numbers. The first number is called 'CSCS No.'. It is computer-generated numbers allocated to a new shareholder. It is unique to each stock-broking firm. Although a shareholder can have as many accounts as the number of stockbroking firms he uses. Furthermore, CSCS No is alphanumeric which is used if you have to fill in public offers if you desire shares allotted to you to be credited to your account.

Investors Account No. is numeric which is used internally on the floor for trading. In other word, investor's No. is the CHN represents the Clearing House Number assigned to every shareholder at the first point of entry into the CSCS system. He/She must have completed the CSCS -- R005 Shareholders Particulars Form. They are to provide the same CHN to all subsequent stockbroking firms they may have transactions with for ease of reference.

Other Prerequisites to successful investing in stock include opening a Bank Account, access to Post office Box (P. O. Box), access to Phone and active E-mail Address.

Process of acquiring shares

According to Nigerian Investments and Securities Law Report [NISLR] (2004) shares could be acquired by six (6) main modes;
1) Public offer;
2) Rights offer;
3) Bonus;
4) Nominal transfer; i.e. Transfer of share by way of gift.
5) Transmission from a dead relation or friends or collective investments or investments previously held under a corporate name for a beneficiary; and lastly

6) By purchase on the secondary market.

In general, a prospective investor who wishes to purchase shares on the secondary market is expected to approach a stockbroker such as Newdevco with a request to purchase or to invest in shares at a secondary market. In response, the stockbroker asks the prospective client which stock/shares he/she intends to purchase. Where the client has a selected stock in mind, the stockbroker executes the order according to the expressed need or interest of the client/customer. (Kofa, 2004).

Kofa (2004) added that in a situation where a client does not know which stock/share to buy, the stockbroker explains and advises the client accordingly in detail the shares to invest in. Consequently the stockbroker gives the client the necessary share transfer forms and Central Security Clearing System (CSCS) (particulars of shareholder) for completion. These documents are used to lodge the shares at Registrars Department of the company and also to open the new CSCS account for the client. The shares requested by client to be purchased are normally paid for by Bank Draft or physical clash to a stockbroker, who will in turn given an official receipt for the draft value or cash collected. Thereafter, the stockbroker purchases the shares as requested by client. Whenever the transactions are fully consummated, the stockbroker shall forward the CSCS statement of stock position to the client as evidence of ownership of such shares.

Benefits of Central Security Clearing System (CSCS)

Nigerian Stock Exchange (2008) states the benefits of CSCS to the operation of the Nigerian Stock Exchange as follows:

a) To Investors
Investors statements of stock position are issued every quarter free of charge or on demand for =N=100.00.

Use of stock position as collateral for loan facility after T + 3 settlement cycle i.e. 4 working days. In effect, a statement of stock position is obtainable from CSCS 4 days after transaction.

Investors can speculate more and take advantage of capital appreciation in their investment because of the T+3 settlement cycle.
Reduced risk of loss of certificates.

b) Quoted Companies

Huge cost associated with the production of share certificates for transaction through the secondary market has been significantly reduced.

Before CSCS, a single transaction on a certificate led to the cancellation of the certificate and the issuance of as many as ten (10) certificates depending on allotments made. This is no longer so since few shareholders request for certificates.

Indeed, of the 400,000 shareholders who use CSCS system now, only 2,200 shareholders have requested for certificates to date.

Amalgamation/consolidation of several accounts for a shareholder on the register leading to reduction of cost to the company.

c) Stockbroking Firms
Prompt Inter-member money and stock-settlement are assured.
The problems associated with delivery of shares are minimize
Increased efficiency and profit
Reduction in operational cost.

Disposal of Shares

According to Kofa (2004) a shareholder who wishes to dispose his/her shares is expected to go to a licensed stockbroker only. A Stockbroker is seen as the authorized agent approved by the government to deal in shares, especially in the purchase or sale of shares on behalf of an individual, group or company. The original hare certificates or CSCS statement will be tendered to a Stockbroker who will issue the relevant forms for completion by the shareholder and then forwarded to company Registrars for signature verification. That is, confirm the ownership of the shares in the case of share certificate. However, in the case of CSCS statement, the stockbroker verifies his client's signature. After the confirmation of signature, the share is taken to the floor of, say, the Nigerian Stock Exchange for appropriate disposal. After the disposal contract, a note shall be raised appropriately and the net proceeds is remitted to the shareholder after commissions and statutory charges are deducted as approved by the Nigerian Stock Exchange.

Recent Development in the Nigerian Capital Market

There are two recent developments in the Nigerian Capital Market. First, is the launching the e-dividend payment system which would subsequently solve the problem of unclaimed dividends by the Securities and Exchange Commission (SEC).

According to Olamijulo (2008) the e-dividends payment system refers to the payment of dividend due to shareholders through electronic means into the shareholders' nominated bank accounts. It implies same day clearance for dividend payment. He added that the system would enable shareholders receive their dividends on the same day, thereafter a confirmation letter of the dividend payment would be dispatched by the registrar. The e-dividend payment system would minimise cases of unclaimed dividends, eliminate dividend loss in transit, the forfeiture of dividends in the future and enhance the ability of shareholders to immediately access and utilize the proceeds of their investments.

Secondly, is the launching of e-allotment which will be fully operational from January 1, 2009. Ahmed, (2008) reported that the system is aimed at enabling the achievement of a certificate-less system in the Nigeria capital market.

E-allotment of shares as it is known is a process of direct credit of approved allotment on offers to the CSCS account of shareholders, as against the conventional issuance of share certificates. It is a process which will aid the achievement of certificateless transaction in the Nigerian capital market. (UBA Registrars, 2008)

The e-allotment is introduced as a result of postal services delays, and "the need to reduce costs in printing and dispatch of share certificates as well as to enable all investors in public offers speedily allotted shares."

Conclusions and Recommendations

It can be concluded that in Nigeria, the only obstacle to stock investment is the low level of investors' enlightenment on the benefits of the entire system, which has greatly affected the acceptance level negatively. Therefore, it is recommended that the regulatory agencies like the Nigerian Stock Exchange and Securities and Exchange Commission should continue to enlighten Nigerian especially, using major Nigerian languages on the gains of stock investment.

Sunday, August 5, 2012

Have An Emergency? Get Money Now, Pay Later

Dealing with money can be risky. Most people don't want to gamble too much with their own money. The world of cash advances is no different. When handling these short-term loans it's important to be fully aware of what's going on.

One vital rule is to work only with a reputable lender. If you want to see the business and work with people face to face, going into a personal loan business is a good way to critique it. Analyzing a cash advance site online can be more difficult. The recent economical hard times have allowed payday loan sites to flourish. If you're going to borrow money online, be sure that you trust the online lender. A good sign is if the lender posts or sends you its lending policies. Also, before you commit to borrow money the lender should inform you of the charge for borrowing money as well as the penalty for not repaying it on time. Only work with the lenders who value openness and honesty.

Another good trait to look for is a strong lending history. It's very important that a company lends responsibly. A hassle-free process shouldn't be a substitute for low or no standards. Another good rule is this: if it seems too good to be true, it probably is. The Internet is a great resource to judge a payday loan site's character. There are a handful of different sources you can use to find helpful information about payday loans.

Certainly you don't want to be overdue on your cash advance repayment. The late penalties on payday loans are very stiff. Knowing your rights is an important part of dealing with this situation. At no time is a company allowed to threaten you with imprisonment or any other harassment. It's dangerous to give personal information like a social security number or credit card numbers on the phone. Remember you always have the option to request that loan information be mailed to you. There are several government agencies where you can report illegal practices.

A loan doesn't have to be a burden if you handle it carefully. If you don't understand something, all you have to do is read or ask a question. It's your money and no doubt you want to protect it.

Saturday, July 28, 2012

10 Ways To Lower Your Cost Of Living In The Lower East Side

Lowering Your Cost Of Living In The Lower East Side

As The Lower East Side of New York City has become increasingly popular over the recent years it has grown exponentially more expensive to live here. Food, shopping, entertainment, and the general cost of living have all been effected by the influx of a wealthier demographic. The young professionals who now call the Lower East Side home have high expectations and those who aren't so financially fortunate can either adapt or move out. As a resident of the Lower East Side myself I have managed to adapt to the changing tide and this 10 series piece will present you with the methods I've used to stay afloat in the Lower East Side.

1. Apartment Living

Renting an apartment in the Lower East Side is a feat in itself, but maintaining a bank account afterwards is next to impossible if you're not careful. Utility, broker and moving fees add up after a move-in to the Lower East Side.

Utility costs can be controlled by using a fan instead of an air-conditioner. Also when looking for an apartment make sure you ask the broker to show you places with heat and hot water included. Apartments in the Lower East Side have two types of heating typically - the kind you pay for and the kind you don't! If you see a radiator in the apartment, typically heat and hot water are included, but always ask the broker to be sure.

Real estate fees can accumulate quickly right before your eyes at a lease signing, but an informed applicant can curb many of these costs. Brokers fees are often unavoidable depending on the market conditions. If you can, always go for the no fee deals. A brokers fee is usually calculated as thirteen to fifteen percent of the annualized rent. This fee is paid to the broker at lease signing. A no fee apartment does not have this associated cost and will save you a ton of money. Be prepared to put down an extra months security or pay the last months rent up front on a no fee deal. Never be afraid to negotiate rent with your broker. The broker is your direct connection to the landlord and is there to act on your behalf. Never be afraid to ask for a reduction in rent before the least goes to draft.

Moving fees can be very expensive anywhere within New York City. Strict parking laws and restrictive move-in guidelines can also inconvenience an already costly venture. Make sure you understand the move-in restrictions of your building. Most buildings in the Lower East Side don't have any restrictions, but the newer buildings may require you to move during certain hours 1 day in the week for example. If there are no restrictions, an evening move will be much less of a headache than a daytime move. Ticket officers are on the prowl during the day time and will ticket you when you least expect it. If you must use a moving company go for someone local with the least frills you can tolerate. Movers in New York City are not all created equal, ask your friends about their experiences or I can always recommend someone good too.

Thursday, July 26, 2012

Understand ins and outs of coping with cash advance lenders

Taking a look at payday cash loans, just about the most essential points that you simply must realize would be that payday loan lenders just want to draw in just as many clientele as they possibly can. Now, doing this probably won't appear to be a big thing, considering that companies do are attempting to catch the attention of as plenty of clients as they possibly can. But, as soon as you use this specific fact towards loan companies then it's something to think about.

As you may acknowledge, a large amount of kinds of money credits happen to be extremely significant, which means rather hazardous to payday lenders. People that have low credit score information sometimes stand for a critical trouble for several borrowing companies. Therefore poor credit loans hold excessive interest rates plus why a lot of financial firms arrange their own business operations in order to really refuse people who happen to be thought of as long-run financial obligations.

These actual type of disadvantages pretty much never attempt to find pay day loans nevertheless, and that is one good reason specifically why there are such a large amount of which about today. Pay day loans result in little quantities of money, not to mention they are required to be paid out within considerably limited length period. Actually, a number of people often consider payday cash loans as same day loans, as you can easlily get the money after only One day soon after successfully requesting for a loan.

Throughout the angle of the payday lenders, cash advance loans are great simply because they're willing to make rather massive amounts of interest in just short spans of the time. Moreover, considering that a good number of cash advance loans rarely rise above ,000, they don't represent a substantial amount of associated risk to lenders.

To include this straight into as a possible perspective, take into consideration small quantity of funds supplied by fast payday loans. You can receive among 0 up to a thousand of dollars in just one payday cash loan. This is certainly equally a great thing and also a a not very good thing, it is determined by a person's expenditures methods. It is actually a good thing meaning the fact that you will not have to worry about getting to pay a lot of cash. That's a bad thing in the sense that you really only have a restricted length of time to pay the money back.

The sad thing is, taking into consideration the complications of the financial system fairly recently, lots of people sometimes end up getting many different payday cash loans to simply pay the bills. Actually, a few people end up paying back a loan with the full month's paycheck. And in addition in the event you can not pay off payday loan lenders fast enough, their particular rates of interest may cause a good deal of major issues.

The good thing is, there are ways to cope with pay day financial debt. Definitely one great instance calls for finding personal loan. Signature loan could be used to pay back when it comes to a number of cash advance loans, thereby consolidating various obligations into a single financial debt. That enables you to prevent paying for multiple rate of interest at that time, so cutting your commercial obligations.

Tuesday, July 24, 2012

10 Tips For Using Gpt Sites

For those of you who plan on using or already use GPT Sites, I've put together some tips to help you start making money and get those offers approved.

1. Clear your Cookies - Make sure cookies are turned on in your browser or your offers will not be approved. Also make sure you clear your cookies often, every 1-3 offers. Cookies are how the sites track what your doing, so the more cookies you have, the harder it will be to approve your completed offer.

2. Free Private Number - When doing offers or surveys you will asked for your phone number. Not all will send you phone calls but some will. If your not on the National Do Not Call Registry, sign up it will stop the calls Or where you can set up a free

3. RoboForm - I recommend downloading RoboForm for doing offers. It auto fills your information on offers for you, and its free.

4. Email addresses - Use separate email addresses for completing offers. Your main with the site itself is fine, But the offers will spam your email. Switching up on a few different emails addresses will also help get offers approved faster.

5. Credit cards - If you choose to participate in a trial offer that uses a credit card, Make sure you end the trial on time to avoid any more charges and if you want to be safe, you can use the prepaid visa cards that you can get at your local store.

6. Information - Always use correct information, With false information some offers wont approve and you could be banned. If your worried about giving your address, i have not received anything in the mail.

7. Duplicate Offers - Make sure you don't do the same offer twice, or do the same offers from different GPT sites. It could get you banned or cause the offer to not approve.

8. Hitting ALT + (the plus sign) to auto select no on offer pages - This is a tip i wish someone told me when i started

9. Surveys - If the GPT site has daily surveys, i recommend doing them. The surveys usually have a higher payout than most offers and only take 1-10 mins depending on the survey.

10. Forums - Most of GPT sites heave there own forum, which there are usually posts about what offers are the fastest to complete and what offers are approving the fastest.

Wednesday, July 18, 2012

Top Three Reasons to Employ an Etobicoke Real Estate Agent to help Buy a Residence

The west end of Toronto is a attractive and expanding component of the GTA. It can be close to the downtown core but nonetheless holds that family feel. It is actually an ideal neighbourhood to raise a family, while still acquiring access to Toronto; for work, nightlife and weekend events and activities. Etobicoke is conveniently situated along the GO Train route, has access to hi-ways, and also a completely functioning public transportation system. If you are considering buying your home in Etobicoke, you may have made a wise alternative. An Etobicoke real estate professional can help with your relocation by helping to purchase the property of your dreams. By means of their experience, neighbourhood knowledge, price guidance, handling substantial volumes of paper work and negotiation abilities, your chosen real estate agent will make the transaction, and transition a pleasant experience.

Benefits of an Etobicoke Real Estate Agent

1. Information and Experience

It's not every day that you purchase a house but for a real estate agent, it is. A real estate agent acquires knowledge on a daily basis. With an agent as your ally, you don't need to know almost everything about acquiring a home. In place of investing long and unnecessary hours researching the market, focusing on shopping for a property, is really a much preferred pastime for excited property buyers.

2. Knowledge of the Neighbourhood

When you are relocating right after buying real estate in Etobicoke, an agent can advise on the most beneficial neighbourhoods that suit your life style. Particular considerations consist of: do you want to be close to schools? Do you drive and need access to key roads, or would it best suit you to reside close towards the GO Station, and neighborhood conveniences such as grocery stores? Perhaps you'd like to know what component of the city is developing, with the intent to sell at a profit down the road. A real estate agent specializing within the west end will answer concerns concerning the neighbourhood, and its prices, gained from their knowledge operating within the Etobicoke community.

3. Paperwork and Transactions

The real value in hiring a real estate agent is having the ability to leave the paperwork and transactions to a specialist. Purchasing agreements can run ten pages or more. Quite a few real estate documents can accumulate one to three inches thick per client. Take into consideration that one tiny mistake or omission could land the buyer in hot water, if not now, then down the road. It is secure to say that buyers would agree that some issues are much better left untouched. Within the situation of hefty paperwork, why would you want to try in the first place?

Etobicoke real estate agents also offer the advantage of sharing their connections with other marketplace professionals, and last but not least, a real estate agent relies on their exceptional service to earn your referral. The guarantee of a successfully purchased house is likely with the agent hoping for word of mouth marketing and advertising to grow their business. Their incentive, and your achievement buying a residence, is built right in.

Monday, July 16, 2012

From Rags To Riches - The Progress Of Dubai Property Market

Dubai has developed from a mere fishing village in the gulf to a rich brimming state seemingly overnight. With oil money fuelling Mohammed bin Rashid Al Maktoum's aggressive campaign to turn Dubai into worldwide tourist destination, many architectural projects have sprung up with the Burj Hotels and the Palm Jumeirah villa Islands at the forefront. These have attracted worldwide attention and have turned Dubai into a property hotspot. With the Freehold Law passed in 2005, foreigners have the luxury of leasing property in the peaceful land of Dubai and are able to sell or rent out property.

Investing in Dubai property has many advantages. Firstly, Dubai levies no income tax or Capital Gains Tax including the money coming from rentals and with the population of Dubai expected to effectively double in the next 5 years, rents are highly likely to increase which will turn Dubai into a money generating asset. Buying Dubai property is quite simple with little paperwork involved. Also, foreigners are easily granted permits without them being required to stay in the country. Only a brief visit every six months is enough.

With the ever increasing prices of hotels in Dubai, holiday rentals have become a popular alternative to hotels. Many people now prefer to rent holiday Dubai villas for rent as opposed to hotels with the most popular being the Palm Island villas and the Beit Al Bahar Villas. These villas are situated at amazing locations and offer spectacular views of Dubai's many architectural wonders. They are located near the Dubai's main attractions such the famous Atlantis and popular water parks like Aqua Venture. Many villas also offer beachfront locations with picturesque views of Jumeirah Beach.
All villas also offer swimming pools with each villa also having individual gardens and terraces. High-end villas located on the Palm Jumeirah are considered one of the most luxurious in the world and have everything you expect from a 4-star hotel. They have spacious floor plans, great views and as with all villas in Dubai, they offer fantastic shopping malls all close by.

All in all, Dubai villas for rent are a fantastic location for tourists and investors alike. Whether you're looking for a getaway retreat or are on the lookout for a successful business venture, Dubai with its peaceful environment and booming economy is the right place for you.

The Palm Jumeirah is a self-proclaimed Eighth Wonder of the World and is claimed by the developer to soon become one of the world's premier resorts and a destination for tourists all over the world. With such hype surrounding the project, it is understandably quite an expensive proposition. The property here does not come cheap, however, with the rapidly collapsing Dubai economy; many people want to sell their villas while others are putting their villas up for rent.

The villas' rents are subject to season and change according to the tourist traffic. May to September is the low season whereas December to June is the peak season. One particular villa directly facing the Burj Al Arab is available for rent for around 000-20000 per month whereas another is available for around 000.

Sunday, July 15, 2012

10 Advantages Of Exclusive Tenant Representation When Renewing Your Lease

Your lease is up for renewal, and things seemed a lot simpler when your business was younger. Your landlord has befriended you over the term of your lease up to a point. An offer to renew your current lease gives you pause, especially during today's volatile economic climate.

As in all professions, specialists bring to the table a savoir faire and best practice techniques to make a difference in your bottom line. In commercial real estate, brokers with a focus on tenant representation make a difference in both fundamental approach and final outcome. Here are some of the advantages:

1. Tenant brokers know how landlords think and the best way to leverage it.

Quality brokers understand the forces driving landlord decisions and can focus on the appropriate ones to gain the best deal for their clients. This process can encompass expertise with regional markets, competition with other landlords and the ability to present their client in the best possible light.

2. Tenant brokers even the playing field.

Typically, landlords gain the upper hand in the negotiating process when tenants negotiate a renewal without a broker. Landlords' experience with multiple clients, knowledge of lease clauses and ability to wait out their tenants can create a significant advantage. Tenant brokers know how to separate nonnegotiable elements from a well-played bluff.

3. Tenant brokers avoid conflicts of interest.

Brokers who represent both tenants and numerous landlords are inevitably confronted with situations where they show space to tenants in buildings they represent, thereby creating a classic conflict of interest. Brokerage firms that represent none or only a few landlords avoid this situation and thereby create maximum leverage for the tenant.

4. Tenant brokers understand the impact of office layout, location and amenities.

Certain factors, unique to the corporate tenant, must be considered when determining whether to renew your lease or explore new sites. For example, by relocating to another building, the benefits of the ease of your employees' commute and/or building amenities (such as an on-site cafeteria, fitness center and shuttle service to the train) may be neglected by even the most beneficent company.

5. Tenant brokers can analyze your lease with a fine-toothed comb.

Tenant brokers understand the most important contingencies to include in any lease as well as the benefits accruing to both you and the landlord. Typically, an area where landlords enjoy the most advantage, lease clauses can be carefully examined by tenant brokers who close the knowledge gap and ensure their clients understand the document before they are bound for several years into the future.

6. Tenant brokers understand how tenants think.

Tenant brokers understand your needs and will bend over backwards to meet them. Their business model depends on your repeat business and referrals for continued livelihood.

7. Tenant brokers form natural alliances to help their clients.

In an effort to maximize the deal, tenant brokers will often consult with related professionals such as architects and real estate lawyers. They will form a negotiating team to ensure your interests are zealously protected.

8. Tenant brokers are experts in building assessment.

Thanks to their knowledge of the market and constant evaluation of commercial sites, tenants brokers understand the pluses and minuses of your current or future headquarters. Items such as adequate parking, square footage loss factors and the design, layout and shape of the proposed office can be significant factors in comparing a renewal vs. a relocation .

9. Tenant brokers believe in what they're doing.

The ability to advocate for the little guy and the feeling of shared purpose, often among entrepreneurs at a similar level of development, means your tenant broker will identify with your company, thus increasing the likelihood of a full-court press on your behalf.

10. Tenant brokers keep you informed.

Things change. The value of your headquarters five years ago may decline due to industry developments, market variations, etc. Tenant brokers keep up-to-date with availability, infrastructure and many other factors affecting a renewal or search for a new site.

Tenants negotiating a renewal may encounter a number of complex decisions affecting their business for years to come. A real estate broker focusing on tenant representation will offer a unique focus and expertise in these areas.

Saturday, July 14, 2012

Types Of Commercial Real Estate

It is true that commercial real estate comes in all different shapes and sizes. There are large companies and corporations that operate a variety of different locations. Then, on the other hand, there are small business owners that are only in control of their space. There are five different categories that this type of property is often divided into with multifamily dwellings like apartments sometimes being added on as a sixth category.

Leisure

Hotels, restaurants and sports facilities are considered to be commercial real estate that falls into the leisure category. It makes sense as these businesses and buildings are where people look to have a good time and relax. There is a wide variety of different companies that all fall into this category. An owner of the property may run the business his or herself or lease it out to someone else.

Retail

Shopping centers, stores, and malls are all considered retail property. Here customers are walking into the building, looking at a company's goods and making a purchase. There are small stores that specialize in only one thing and malls that take up several city blocks. Size can vary from one property to the next in this category. It is not unusual to see a group of retail spaces all put together in one shopping center. The goal is to find a place that is easily accessible for customers.

Office

Everyone needs a space to work and offices are an important part of commercial real estate. There are a variety of different industries that require a central place for employees to work and customers to visit. Again, there is a real variety in the type of offices and office buildings available. Some are state of the art and ready for the latest technology. Others are older and may not have all of the same amenities. In some cases, homes can be rezoned and converted into office space, depending on the location of the property.

Industrial

Industrial space is considered to be things like warehouses, garages, and distribution centers. In these buildings, there is an inventory that is being stored. This category of commercial real estate often includes large buildings with lots of space. In many cities, these buildings are all grouped together because of zoning laws.

Healthcare

Separate from all the rest, healthcare centers, including hospitals, doctors' offices, and nursing homes are completely separate from the others. This commercial real estate category is very specific in that the buildings need to be properly equipped to handle all of the different services that will be provided. They need to be accessible to patients as well as the medical staff.

Friday, July 13, 2012

Importance Of Medical Tests Before Buying Medical Insurance

A commonplace advertisement from insurance companies is 'no medical tests required to purchase an insurance policy'. People are attracted to the convenience of no-test policy compared to the one that requires all medical tests. But is it really right to purchase a policy without knowing your health condition?

Every individual going to buy an insurance policy whether health or life insurance needs to undergo medical tests as prescribed and should be aware of his health condition. This article discusses the importance and reasons for getting an insurance policy after taking medical tests appropriately.

Premiums are based on health condition
The premiums of an insurance policy (health or life) are charged based on the individual's health condition. You need to make a declaration about your health condition in policy application form and the insurer fixes a premium rate on the basis of your discloser.

For understanding this clearly, lets take an example of two persons. Of them, one has high sugar levels and the other person has normal sugar levels. If both take insurance policy from a company that does not require medical tests then both will be charged same premium. But in reality, the premiums for normal persons should be less than the premiums of others with health issues.

The policies that require no-medical tests are:

Low value policies: Policies that do not consider health tests offer cover not more than Rs 5 lakh. So, if you are looking for a higher cover, that serves your life/health insurance needs, then you should take pure protection policy that requires you to undergo medical tests.

Prone to rejection easily: In most cases, the person who is taking insurance without a medical test may not be aware of his/her health condition. S/He may suffer from an illness and may not know about it till a medical test is conducted. In such a case, an insurer can reject the claim as these policies contain suppressed facts of your health condition with no proper underwriting. So, these kind of unintentional mistakes may simply deprive insurance cover even for those paying huge premiums.

Cover may be inadequate: If you get policies that require no medical tests, then you will also get the policy that has no appropriate insurance cover. It is like getting insured, but having no adequate insurance protection.

It is the actual responsibility of insurance company to determine the health condition of an insurance buyer. An insurance company simply cannot deny the claim as it is its responsibility to subject the policyholder to medical tests and then fix the premium.

Thus, a detailed medical examination that requires blood and urinalysis related tests, blood sugar, ECG, blood count, blood pressure, blood serum tests etc. will benefit you manifold. It provides your health condition report which tells you how fit you are. If you are suffering from any illness, get it cured before it ruins your health. Get complete medical record of your health before buying insurance policy.