Thursday, August 30, 2012

Jump Ahead In The Real Estate Business

Robert Kiyosaki writes a book called The Real Book of Real Estate. In this book, you will have all the sharpest and keen of advice that will really help guide you through the ups and downs of real estate. The economic frontier of the real estate business can be difficult, at best, as there are always times when the market takes a plunge. But this book allows you to get a whole selection of tips that have been gotten from some of the greatest realtors of all time. Experiences of over two dozen realtors and the ways they made it big are in this book captured for your benefit and you will be able to take your game up a notch and really make your mark in the market.

Charles Fishman writes The Big Thirst, a book that really helps you understand the world through the perspective of water. He discusses the fact that water has been plentiful and clean and safe for such a long time that people can take advantage of it, but this book discusses how all of that is about to undergo a massive change and how big businesses can be affected by this devastating change, particularly as a result of pollution and contamination. This is a very important book for a realtor as it can really affect how you approach the entire economy of buying and selling property with this new dilemma in mind.

Gary W. Eldred writes Investing in Real Estate, a book that comes out in its fifth edition with the intent to cover all of the nuances of a changing market, as well as covering various and important forms of legislation that is pertinent to the field of being a realtor. Moreover, it deals with history's way of dealing with the market, property cycles, and helps you figure new ways to benefit from foreclosures, REOs and inventories of places in a way that will maximize your position as a realtor. This book is wonderful if you are new to the business and want a comprehensive kind of reference that will help you learn all there is to know and to make the most of it, too.

Frank Gallinelli writes What Ever Real Estate Investor Needs to Know About Cash Flow, a book that includes many financial measures that are essential for any realtor. The book discusses key topics such as net present value, cash on cash returns, net operating incomes, profitability indexes, returns on equity, as well as a number of other numbers that are really important in the job of realtor. You will get to understand just how and why these numbers and rates are so important and the book will break down how to use and approach these things.

Ken McElroy closes this list with his book, Rich Dad's Advisors: The ABCs of Real Estate Investing: The Secrets of Finding Hidden Profits Most Investors Miss. The title is fairly explanatory of the book's overall goals, but it really gives a great detailed portrayal of just how the real estate business can help you get rich and make a good turnover profit. With over two decades of experience, the author proposes a number of great advice and tips.

Wednesday, August 29, 2012

Heliodisplay - Floating Free-space Interactive Display

Heliodisplay in action
Floating in midair, an image hovers above a seemingly ordinary table. This unique technology, developed by a former architect, creates one of the most convincing open-air holographic-like images in existence. This article will cover the technology and its future applications.

Princess Leia hologram (Credit: 20th Century Fox Studios)
In late 2003, a small company from the San Francisco Bay Area demonstrated a unique revolutionary display technology . The (then) prototype device projected an image in thin air just above it, creating an illusion of a floating hologram, reminiscent of the famous scene from 'Star Wars' in which R2-D2 projects a hologram of Princess Leia.

The development of this distinctive technology, dubbed Heliodisplay by its developer . Chad Dyner, began early this decade after Dyner decided to trade a promising career as an architect to become an inventor. Dyner bought an ordinary digital projector, took it apart, and spent entire days trying to figure out a way to stop in midair the light coming from the projector without engaging a traditional screen. Though the details are kept a closely-guarded secret, Dyner was willing to provide a general description of the way the Heliodisplay works.

Fogscreen display (Credit:
Displaying an image using conventional projectors requires a non-transparent medium, typically screens, walls, or even water, but air, which is transparent, cannot be used. A more recent development is the FogScreen, which creates an image in midair by employing a large, non-turbulent airflow to protect the dry fog generated within from turbulence. The result is a thin, stable sheet of fog, sandwiched between two layers of air, on which an image can be projected and even walked through. The Heliodisplay creates a similar effect, but, instead of fog, it uses a cloud of microscopic particles whose specific nature is one of the secrets Dyner keeps close to the vest heliodisplay. In 2005, the U.S. Patent Office granted Dyner a patent for a "method and system for free-space imaging display and interface". Apparently, the Heliodisplay creates a particle cloud by passing the surrounding air through a heat pump, which in turn cools the air to a level below its dew point, where it condensates, and is then collected to create an artificial cloud. The particle cloud is composed of a vast number of individual micro droplets, between 1-10 microns in diameter, too small to be visible to the naked eye, held together by surface tension. The focus and illumination intensity of the projected image can be controlled by changing some of the cloud's properties, enabling a sharper and brighter image.

Since 2003, IO2 Technology, the California-based company Dyner founded to commercialize his invention, began selling his device under the brand name Heliodisplay M2 for just under ,000, out of reach of most consumers. IO2 Technology is actually marketing the M2 to corporate customers who would use the device as a novel way to display the company's logo or as a strikingly impressive advertising and promotional tool for exhibitions.

Heliocast - interactive Heliodisplay
The M2 projects its 76.2 cm (30'') diagonal floating image at a height of 71 cm (28") above the projector. The native resolution of the M2 is 800 x 600 though it can support up to 1280 x 1024, and the image can be viewed from as much as a 150 degrees angle. The M2i model includes a proprietary system, called Heliocast, for interactively controlling the displayed image. A sensor inside the M2 identifies the movement of the user's hand in the area of the projected image and the Heliocast software calculates the movement of the object projected.

Actuality Systems' Perspecta true 3D display
TFOT recently covered another unique display technology, called Perspecta, developed by Actuality Systems. Unlike the Perspecta, which is a true 3D display capable of showing a 3D object perceived when simply walking around the display, the M2 displays a 2D image in midair, creating the illusion of depth. While the Perspecta is currently used mainly for medical and research purposes, the M2 is intended primarily for corporate use as a promotional or advertising tool at this stage. Although it is possible to view movies or play games on the M2, Dyner admitted that the current device is not intended for serious applications such as CAD (computer-aided design). The Perspecta is an enclosed device with lower resolution but with the capability to display a full 3D image and video with almost no flickering or wavering effects. A future display might incorporate the best of both worlds: an open-air display with high resolution, clear 3D capability, along with an accurate interactive capability.

Monday, August 27, 2012

Get A Better Credit Rating With Internet Service Providers By Zip Code

A bad credit rating is becoming more common, seemingly by the day. And everyone has a different situation that has led them to having bad credit. But one solution is to use internet service providers by zip code to investigate your rating and how to improve it.

Knowing what's on your credit report is a crucial first step. And you might not know that you are entitled to one free copy of your report every year from each of the three credit bureaus. You can also sign up for your free report online for instant access. Once you receive your report, it's time to take a close look at it and make sure you can identify each item. Those that do this are often surprised by how many errors they find.

All items listed will include the name of a company to contact. If you notice anything suspicious or invalid, contacting the related companies right away is a good idea. A company has to give you some kind of information that proves you owe them the debt, and so should be able to do so. You may notice a different company name beside the owing amount on your report. This can sometimes happen as a result of a company merger. Regardless, you are still entitled to information about the debt.

You may not think that positive entries are anything to worry about. But they can be if they don't appear on all of your reports. If this happens, you can call the company to ask why these entries weren't reported to every bureau. Should you not receive a sufficient answer, you can file a grievance with the report company.

After you've ensured that all of the information on your report is accurate, the rebuilding of your credit can begin. The best way to find the right credit card company for you is to read the reviews written about them. This will help you avoid those companies who will give a credit card to just about anyone.

Not all reviews will be positive, but this is true for every company. Consider also that you will be paying high interest rates for a time, as you represent a risk to these companies. After you've built your credit up over a period of time, those high rates will usually drop to something more reasonable. When looking at reviews, try to find information on hidden fees and whether or not the company reports to all bureaus.

Having bad credit isn't the nicest thing to go through. But being able to go online to find credit rebuilding solutions is a definite help. You'll discover many ways to improve your credit, and may even find that you reach your goals a lot more quickly than you expected.

Wednesday, August 15, 2012

No-Nonsense Real Estate Advice To Help You Sell Your Home

Whilst there is tons information available to real estate sellers, a lot of it is inaccurate. This article focuses on the facts of real estate sales and offers only the best advice available.

Selling the property yourself is labor intensive and time-consuming. Yes, there are a lot of resources that sellers can use, yet keep in mind that by using these resources you may potentially be spending, which could cut your profits down.

Choose your real estate agent carefully when purchasing or selling a home. To reap maximum profits, opt for an agent who knows the area well and has a good track record of getting homes sold at or near their list price. You want to find an agent that is highly trusted and comes with great credentials so your selling experience is as smooth as possible.

Just by making some small updates in your kitchen you can make people want to buy your home. For instance, update your appliances or change the design. Try adding wood block island fixtures and some hanging storage for popular kitchen upgrades. It can be expensive to change cabinetry, so you may want to consider fresh paint instead.

Even if people are going the "for sale by owner" route, they will still need help from a lawyer who specializes in real estate when it comes time to close the sale. A real estate attorney can help avoid problems and unpleasant surprises that might arise during the final paperwork or closing.

Owning a pet can cause your home to smell less than perfect. A potential buyer of your home may smell strong pet odor that you have become accustomed to and no longer notice. In order to appeal to as many potential buyers as possible, it is very important that you attempt to rid your home of odors.

Refresh the appearance of the bathroom if you're going to sell your home. An easy way to do this is to add some new bathroom fixtures, change the lighting, or add a fresh coat of paint. The best ambiance you can create is that of a spa. Allow potential buyers to imagine relaxing in the bathroom with a long, relaxing soak in the tub.

The little efforts involved in keeping up with painting, landscaping, and minor repairs (to name a few examples) can be a hassle for homeowners. However, if you don't keep these items up to date, it will all add up to one very big job before you can put the property on the market.

Clean up your yard to boost your curb appeal. Cosmetic flaws like unruly flowerbeds, broken lawn furniture, clogged drains and other obvious signs of neglect drive down the value of the house and will actually repel potential buyers.

In conclusion, it can be trying to listen to so-called experts give you their opinion on selling real estate. The tips and tricks in this article have been widely proven time and time again. Hopefully this article will help to either clear up what you were unsure about, or give you some new information.

Friday, August 10, 2012

Bin List- The List Of Bank Identification Numbers

Bank Identification numbers shortly called as BIN serves as identification tools to verify the genuine nature of credit card transactions. They are also called as Issuer Identification Number since they serve mainly to locate the issuing bank.

The bin numbers were comprised into a database by the American Bankers Association. The BIN database can be used to verify the details of all types of financial cards. The list of bank identification numbers includes all debit, credit and charge cards. This bin list is accessible only to the members of American bankers association.

With the emergence of others finance players free as well as licensed bin databases with partial or complete list of bank identification numbers were developed. Free BIN list have limited BIN numbers and therefore the list of bank identification numbers is of less use especially to firms which require large number of online credit card transactions.

Types of List of Bank Identification Numbers

Although all bin databases contain the same BIN numbers, the list of bank identification numbers can be classified into two types. This classification is based on the purpose of the BIN list rather than its contents.

The bin to bank list searches the results to show the name of the issuing organisation. The bin to country list is rather superficial and limits its search to the country of issue.

Apart from these there are bin list which contain the list of bank identification numbers pertaining to specific service providers. For example, the BIN VISA list of bank identification numbers contain only BIN numbers of only cards issued under VISA category similarly there are exclusive bin list for master cards, American Express cards, Discover Cards, Exxon Cards etc.

Contents of the list of Bank Identification Numbers

The List of Bank identification numbers contain the bin number and the details of the specified card in eleven different fields. The first digit of the card is called the MII (Major Industry Identifier). This signifies the service provider of the card whether belonging to business, banking, travel, petroleum etc. For example, VISA and Master Cards start with the MII numeric four and five respectively denoting that both belong to banking and finance industry.

The next five digits along with MII are designated as Bank Identification Number. These digits signifies the other fields of the record such as name of the issuing institution, type of card, nature of card, address, contact details like phone number, web site address etc.

The licensed bin databases derive their list of bank identification numbers from free sources of information like the wiki and other web pages. The bin numbers are computer generated and hence the accuracy can be questionable. The licensed list of bank identification numbers is more accurate since they derive the data from the service providers and credit card claim processing firms. The reliability of the data is however depending on the updated information provided by service providers which in most cases are irregular. Before choosing a specific list of bank identification numbers for credit card verification one has to ensure the accuracy, reliability and compatibility.

Tuesday, August 7, 2012

Car Wash Fundraiser Ideas

Car wash fundraisers are a proven money-maker in virtually every community. All you need are willing volunteers, a high-traffic location with good visibility, and some attention getting signs.

You can put a car wash fundraiser together on short notice, but they work best with a little planning. Here's how to get started...

Things To Do List
1- Line up a location with good main road frontage
2- Ensure it has suitable water access
3- Assemble supplies list hoses, buckets, wash towels, dry towels, squeegees
4- Assign each volunteer an item from the supplies list
5- Make 8-10 poster board signs in high-contrast colors
6- Arrange your volunteers in 2-hour shifts
7- Get advance publicity, if possible

How To List
1- Organize your group into teams - Promotion, Sales, Wash, Dry
2- Promotion team attracts new clients with signs
3- Sales team explains offer (use flyer for quick info) and up-sells clients
4- Wash team soaps, scrubs, and rinses each car
5- Dry team gets water residue off, vacuums, does tires, etc.
6- Have at least two lines so you can wash two or more cars at once
7- Wash cars for six to eight hours (Saturday 9:00 to 3:00 preferred)

Your fundraiser's success will depend on the weather. If you can wash 12 cars an hour (one every 10 minutes in each line), you can raise 0- 00 in one day.

Remember to put together a quick flyer that includes the reason why you're raising funds and clearly states the price. You can even offer some extra services such as providing high-gloss tire treatment or vacuuming interiors for an additional fee.

Car Wash Fundraiser - Success Tips
1- Location, location, location!
2- Sell car wash fundraiser tickets in advance
3- Use a flyer that clearly explaining why you're raising funds
4- List all prices concisely in large, bold type
5- Up-sell to include additional services
6- Partner with another group if your head count is low
7- Increase revenue with an extra offering such as a 2-for-1 pizza savings card

Alternatively, you can advertise a free car wash and just ask for donations for your cause.

Often, this can raise more cash than stating a specific price, because people will see a group of volunteers working hard and having a good time, and may part with their money more easily.

Final Advice
Make sure to keep the event fun for all your participants and your customers. Play upbeat music. Provide soft drinks and snacks to keep the energy level up.

Keep safety in mind. Be sure to get volunteers to hold and wave signs toward passing traffic, not just volunteers to wash cars.

If you have time, get your car wash fundraiser some publicity coverage in the local newspaper, or by posting signs a day or two in advance.

Sunday, August 5, 2012

Leasing Commercial Real Estate Steps - Advice, Negotiations, Forms and Handover

If a business is trying to enter into a commercial office lease, the ability to select and negotiate for this space is very important. Anyone armed with the right information can enter into a standard commercial office lease.

Leasing commercial office space is faced by many companies and requires a concentrated effort to reach the best decision possible. So much depends on the success or failure of reaching a resolution of this issue. If the right site has been found, then is the time to consider that selection and what would be included in a lease agreement. This would be followed by looking at the site to see if it is truly well- suited to the company.

If the site appears to be the right one, documentation must be secured to begin the process of composing the necessary parts of the leasing contract. This should be done right away so that both parties in the agreement will have adequate time for a thorough review of that documentation.

Following is more detailed information in the form of successive steps that can be taken to help a potential tenant be sure that nothing is forgotten in the leasing process.

Step 1: Seek Expert Advice

Signing contracts and agreements can be very risky if a business does not understand the basic elements. All terms and conditions relating to the lease should be clarified and understood by the landlord and the tenants. If any problems are encountered, it is highly recommended to seek legal advice. Everything should be clear, outlined and mutually agreeable.

Step 2: Negotiate Commercial Lease Terms

This is the most important step in the leasing process. Procedural guidelines must be developed, trust established, and all relevant facts clearly outlined while negotiating the agreement. One important thing to consider is whether or not the meeting place is conducive to making a good decision. A good strategy is to select a place that eliminates distractions and interruptions.

Phases of Negotiation - There are different phases in the negotiations process as outlined below:

* Early Phase This is the time to probe for answers to any questions that either party may have and focus on the explanations being given. That way everyone who is involved must always listen carefully. It is in this phase that expectations are established.

* Middle Phase Delve into possible alternatives and understand the position of the landlord. It is in this phase that boundaries of issues are determined and the idea of forming an agreement is initiated. It is important to ask the reason behind the demands made by the landlord; the leasing business owner should also be prepared to provide reasons for any demands being made. Know exactly what is needed in the contract in order to reach an agreement. Then both the landlord and the tenant should review together what has been negotiated. Always validate that all problems are settled.

* Final Stage Always be available when the final documents are being processed.

Step 3: Improving Final Forms

After the bargaining process is done and the final documentation has been prepared for both parties, review and make sure that the terms and conditions stipulated on the document are clearly understood. Ensure that everything that was discussed and agreed upon during negotiations is included in the agreement. After signing the agreement, make sure to obtain a copy of the document.

Step 4: Handover Process and Fitting-out of Premises

The final step, after signing of the commercial lease agreement, is the transfer of the new property from the landlord to the tenant. Before this can happen, preparation of the property takes place. If approved as part of the contract, the business owner can redesign the lay-out of the office space or make improvements to the existing space, such as painting and ensuring there is good lighting. The property should be functional and appealing as this will affect the productivity of the business.

Leasing commercial property is a complex process. Consult a lawyer to explain any terms of the agreement that may be confusing. Never sign a contract if the terms and conditions are not well understood or agreed upon. Then the end result will be exactly what was desired!