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!