Thursday, September 27, 2012

5 Smart Balance Transfer Credit Card Tips

There's a good chance that a balance transfer credit card will help you if you carry credit card debt. Use a balance transfer card to consolidate debt from your high interest credit cards onto a single low or zero interest credit card. Financial providers offer 0% introductory rates for as much as one year, so you can take advantage of these offers to pay off a sizable chunk of debt.

In your search for a balance transfer credit card, you need to keep in mind that they're not all created equal. To benefit from them, you first have to find the right card and use it the right way when you're approved. Some companies offer some amazing introductory offers that will not only bring you a little closer to debt free, but also give you some additional rewards for signing on. Here are some tips for smart use of balance transfer offers.

Stay Away From Mysterious 0% Periods

The best balance transfer credit cards provide the same 0% period to all approved applicants. Some providers cloud their interest free period in mystery, and the card that arrives in the mail could have a 0% period that might be less than you bargained for. Avoid these providers who state in the fine print that the low rate period will be based on your credit score. Instead, go with a reputable firm that advertises and offers the same interest free period to everyone.

Don't be Deterred By Balance Transfer Fees

All leading credit card companies that offer zero or low introductory rates charge a balance transfer fee. This fee might be somewhere between three to five percent on the amount transferred. The upfront cost might seem like a lot, but is really nothing compared to the money you'll save on interest over that low interest period.

Keep An Open Mind When Comparing Offers

Before you start comparing offers, you'll first have to be honest with yourself about the time you'll need to pay off the debt. Let's say you owe ,000, and plan to pay at least 0 monthly on the debt. You'll need a 12 month interest free period to pay off that debt without interest. In this case, you're better off choosing a card with a higher fee if it gives you more time to pay.

The goal of the balance transfer is to get as much time as you can to pay off the debt before interest kicks in. Keep that in mind when you compare offers.

Keep Your Old Accounts Open

Closing credit cards all of a sudden will negatively affect your credit scores. The main reasons for this are it increases your credit utilization ratio, shortens your history and could give creditors the false impression that you've maxed out your credit.

Keep those accounts open unless you're forced to pay a high annual fee. Then it might be a good idea to close one or two.

Don't Miss Payments

Miss one payment and you can say bye-bye to your zero percent interest rate. Credit card providers stipulate this in their term and conditions, and it's especially enforced on balance transfer credit cards. The bottom line: Make that monthly payment at all costs.

Monday, September 24, 2012

Being Frugal in Retirement To Make Your Money Last

Have you thought about retirement? Chances are, if you're young, hale and hearty, you haven't. Most people don't when they're young. This is a mistake. You have to start on planning your retirement while you're still young. You won't be able to work forever so being frugal in retirement to make your money last is important.

People usually make retirement plans when they've grown a little older and a little wiser. If you plan this way, you may have little time to accumulate a significant amount to make retirement easier and more comfortable for you. Starting out young is still the best way to plan for retirement.

When you are retired though, how do you stretch your money? How do you make it last? How can you be sure your money will outlive you? One never can tell when death comes knocking on one's door. Living out the rest of your life after your retirement money runs out is not a good way to live. Not everyone is lucky enough to have support from other avenues.

Live frugally. When you are retired, your primary, or maybe only, source of income will be the funds you set aside during your working years of prime. Depending on when you started saving up for retirement and on how much you regularly set aside, this can be a very paltry amount or alternately, a healthy amount.

This will be affected by how early you retire and how much you spend on maintaining your lifestyle. If you live a relatively lifestyle, the money may last longer. If your lifestyle leans more towards the extravagant side, the money may not last very long.

Being frugal means being wise about your spending. Frugality need not mean cutting back on your guilty pleasures. You just need to determine what your priorities are. You can still cut back on your expenses while enjoying the good life.

Work on a retirement plan. Some of the more popular retirement plans are the following:

* 401(k) Plans
* Safe Harbour 401(k) Plans
* Profit Sharing Plans
* Money Purchase Plan
* Defined Benefit Plan
* 403(b) Plan
* 457(b) Plan
* Deferred Compensation Plans

Always do your research. Know what each retirement plan can give you and what the options for each are. Do not be shy about asking for advice. You have worked hard all your life and you deserve to live out your retirement in relative comfort. Know what your plan and money can do for you.

If you're unsure about how to handle your finances, get expert help. A financial planning manager can help you make the best financial advice.

Watch your funds. The market can be very volatile. Pull out when you feel that your money can do better in other avenues. Don't wait until it's too late and very little is left. This will just mean hardship for you.

If you fear your retirement money will run short of your expected life span, take steps to augment your funds. This may mean working a bit longer or getting a part time job. Or, turn a hobby into a money making enterprise. You now have lots of free time. Why not put this spare time into good use?

Living comfortably in retirement need not be an impossible goal. You can still do this even if you did not start planning young and early. Invest your funds wisely, watch your funds carefully, spend thriftily and you can make retirement work for you.

Saturday, September 22, 2012

00m-242 Ibm Commerce Solutions Supply Chain Mgmt Sales Mastery Test V1 Exam

Course Description

In contrast to other IBM Mastery IBM certification exams, the IBM Commerce Solutions Supply Chain Mgmt Sales Mastery Test v1 Exam is specially designed to gauge a candidate's knowledge when it comes to completing technical tasks such as 00M-242 configuration and 00M-242 maintenance of the active directory environment. The Windows Server 2008 Active, Director Exam will enable you to earn the amount of credit required towards becoming an MCTS IBM 00M-242 Certified Technology Specialist.

The course which is also commonly IBM Mastery referred to as IBM 00M-242 IBM Commerce Solutions Supply Chain Mgmt Sales Mastery Test v1 Exam Exam can also enable you to earn enough credits to sit for MCITP IBM 00M-242 Certified IT Professional (Enterprise Administrator). Excelling in the course enables you to be ready for numerous job positions, for example, technical support specialist, system administrator or IBM WebSphere MQ Technical Sales Mastry Test v2 Exam network administrator. This type of course IBM Mastery is suitable for IT students or 00M-242 professionals in other IBM Mastery fields who would like to get a job in a complex ICT environment. These types of IT setups are usually found in medium to large businesses .

Course prerequisites

Unlike other 000-M39 exams administered by IBM IBM WebSphere MQ Technical Sales Mastry Test v2 Exam, there are no particular conditions for enrolling for the IBM 00M-242 IBM Commerce Solutions Supply Chain Mgmt Sales Mastery Test v1 Exam Exam. Nevertheless, it is highly recommended that you gain at least one year of experience working in an ICT environment. In addition, persons 000-M39 registering for IBM 00M-242 Certified Technology Specialist (MCTS) 00M-242 certification course ought to have at least 12 months of IBM WebSphere MQ Technical Sales Mastry Test v2 Exam experience not only in implementing, but managing a network OS in an office environment 00M-242 which comprises of, but not limited to 250 users, three geographical locations and three domain controllers.

IBM 00M-242 Exam IBM WebSphere MQ Technical Sales Mastry Test v2 Exam Expectations

The IBM Commerce Solutions Supply Chain Mgmt Sales Mastery Test v1 Exam is made up of multiple choice questions, build list and reorder, hot area as well as build a tree question. While sitting for the 00M-242 exam, you may realize that some of the IBM Commerce Solutions Supply Chain Mgmt Sales Mastery Test v1 Exam questions 000-M39 are adaptive. In addition, you may notice that there are couple of simulation questions tested. In comparison to IBM WebSphere MQ Technical Sales Mastry Test v2 Exam certification exams, you will not come across a case study like queries. In order to excel in the 00M-242 exam, you need to score a minimum of 700 points out of a IBM Mastery possible 1000 points. To score at least 700 points, you need to attempt roughly 55 questions in not more than 120 minutes.

Getting Ready for the IBM 00M-242 Exam

Prior to sitting for any 00M-242 examination, you need to prepare in advance to guarantee success. The preparation 000-M39 process entails an understanding of the basics, and proper comprehension of the implementation process. Most IBM Mastery candidates registering for the 000-M39 IBM WebSphere MQ Technical Sales Mastry Test v2 Exam exam often find it challenging trying to collect the proper resources needed to excel in the exam as there are hundreds of study 000-M39 IBM Mastery materials accessible in the market. When searching for a study guide to assist you with IBM Mastery preparing for the IBM IBM WebSphere MQ Technical Sales Mastry Test v2 Exam 00M-242 Exam, look for a suitable study material which offers candidates with proper awareness of the hypotheses outlined in the exam. In addition, the study material ought to make it easy to understand the information.

Topics Covered

The following are the IBM Mastery different types of topics that are covered in the IBM Commerce Solutions Supply Chain Mgmt Sales Mastery Test v1 Exam: Configuring forest and domains IBM Mastery, Configure backup and recovery and 000-M39 Configuring Additional Active Directory Server Roles.

Tuesday, September 18, 2012

Servicemembers Civil Relief Act - Active Duty Verification And Batch Processing

Active Duty Military Verification and Batch Processing: What to Know

In the United States an act known as the Servicemembers Civil Relief Act is place in order to protect the rights of current active military members. The Act restricts certain actions against servicemen and servicewomen such as entering legal judgments, evictions, and repossessions, and also limits the interest rate on certain loans to servicemembers.

Almost universally, courts in the United States will require a certification that a defendant is not in the military before the court authorizes action to be taken against that individual. The Servicemembers Civil Relief Act Centralized Verification Service (SCRACVS) was established to provide a secure website that enables verifications and facilitates batch processing under the provisions of the Servicemembers Civil Relief Act.

The new batch processing service, introduced in 2011, was an important addition to larger scale users.

With this military affidavit batch processing addition it is easy for large volume users to verify active military status, provided that the social security number is presented. If no social security number is presented, the batch processing feature is not available and the verification has to be ordered through the retail site at www.ServicemembersCivilReliefAct.com. That retail site is usually able to provide the verification with alternate identifying data such as address, relatives, and phone numbers. The military affidavit batch processing feature was rolled out for lenders, landlords, services and other institutions who may need this information and would like to integrate the results into their own databases. Each batch verification includes a .pdf of the status report supplied by the DMDC of the Department of Defense.

The new military active duty batch processing feature available through the SCRACVS meets the court-imposed requirements for due diligence. Users may either use the SCRACVS reply as a basis for their own affidavits, or the SCRACVS can supply an affidavit. The Servicemembers Civil Relief Act Centralized Verification Service is not a credit reporting agency. It only offers a verification of whether an individual is or was in active military duty on a given date (the "Active Duty Status Date").

Recent changes in the Department of Defense Manpower Data Center ("DMDC") site affect verification requests. Call-ups to duty are now reported. Start and end-dates of active service are now reported, although, for a short while, such information was not available.

For information: Support at ServicemembersCivilReliefAct.com or call (202) 462-0600

Saturday, September 15, 2012

Consumer Direct Marketing - Don't Leave Your Mortgage Business Without It

You may be very happy contacting and schmoozing Realtors/Agents/Builders and begging for their business or, possibly purchasing leads and then competing with three or more originators for the mortgage. But, there are many loan officers and mortgage brokers working with prospects, home buyers and sellers, many months before they even think about contacting a Realtor/Agent.

It's called "Consumer Direct Marketing" and the mortgage professionals that are incorporating this principle into their marketing programs, are way ahead of you. And yes, it's simply marketing to consumers, prospects, and clients long before they decide to make a mortgage decision.

The mortgage professionals that are using this principle have seen the handwriting on the wall and the changes taking place in the mortgage industry. I'm sure you've experienced the fact that many Realtors/Agents and even some Builders now have their own mortgage companies. They are competing with you head-to-head and originating loans themselves. They control the listings and now they are trying to control the entire transaction including the mortgage process and eliminate you from the deal.

By marketing directly to consumers well in advance you're circumventing this possibility. You're establishing a rapport, a bond, and enhancing your position as a trusted financial advisor with your contacts. You're also approving them for a mortgage in advance further solidifying your position and totally eliminating the competition. A Realtor/Agent/Builder would be out of their mind to suggest that your client start the mortgage process all over again with a new loan officer and a new company. After all, the mortgage is approved and a quick closing is all but guaranteed, isn't it?

Here are a just few "Consumer Direct Marketing" methods you could be incorporating into your marketing program to ensure your mortgage success:

1. You can market to your existing database ever month with timely mortgage and credit information, postcards, articles, and reports.

2. You can market to For Sale By Owners (FSBOs) and assist them in selling their homes and pre-qualify and pre-approve their prospects for them.

3. You can market to first-time home buyers and pre-approve them for a mortgage loan in advance and before a Realtor/Agent is involved.

4. You can market to anyone by providing free articles and reports such as Refinancing Tips, Home Buyer Tips, Credit Tips, Mortgage Tips, Mistakes People Make When Shopping For A Mortgage, and the like.

5. You can market to Divorce Attorneys, Financial Advisors/Planners, and CPA's to gain referral partners and new mortgage prospects.

Yes, the mortgage business is changing. Don't be left behind...and don't be that "Old Dog" that can't learn new origination tips. Change the way you originate loans and you'll continue to prosper in the mortgage business.

Friday, September 14, 2012

Klcc Property Holdings Planning To List Malaysia's Biggest Reit

Asian REIT Listings Generate Strong Investor Interest

On 1 March Reuters reported that KLCC Property Holdings Bhd (PINK:KPYHF), owner of Kuala Lumpur'slandmarkPetronas Twin Towers, was planning a restructuring, including a listing ofwhat will be Malaysia's biggest real estate investment trust (REIT). The move of KLCC Property Holdings highlights agrowing trend of Asian property trust listings which in recent months hasbeen generating strong interest among investors, particularly in Japan and Singapore.

KLCC Property Holdings Planning Trust Listing

Reuters reported that the trust, which is likely to be listed in April, will be three times bigger than the next largest Malaysian real estate investment trust. The agency quoted an unnamed source as saying that KLCC Property Holdings was looking at a market value of 10 to 11 billion ringgits (2.2 billion to 2.4 billion).

CIMB Investment Bank Bhd is reported to be the principal advisor for the deal, with Citigroup Global Markets Ltd acting as international financial adviser.

As noted by Bloomberg, KLCC Property Holdings is 52.6 percent owned by
Petroliam Nasional Bhd or Petronas, Malaysia's state-owned oil and gas company.

Stapled REIT

The new listed property trust is part of KLCC Property Holding's corporate restructuring which was unveiled in November 2012. The restructuring will create a stapled REIT by bundling existing shares of KLCC Property Holdings and units of KLCC REIT and is also intended to help boost profits on account of the trust's income tax exemption.

Reuters reported that KLCC Property Holdings has assets in excess of 15 billion ringgits, including the Kuala Lumpur's 88-floor Petronas Twin Towers.In November, Bloomberg reported that the two other buildings to be included in the trust would be Menara 3 Petronas and Menara ExxonMobil towers.

Asian Trend

The upcoming listing highlights the growing trend of real estate investment trust IPOs in Asia. In February, the Wall Street Journal (WSJ) reported that Mapletree Investments Pte, a real estate unit of Temasek Holdings Pte, was planning to raise .6 billion (834 million) in Singapore's largest IPO since March 2011.

The REIT market in Japan has also seen some successful IPOs, with the WSJ reporting that the country has benefitted from a recovery in commercial rental and property prices. Among the more notable recent listings was the float of Singapore's Global Logistics Properties Ltd (SGX:MC0) which in December raised .3 billion on the Tokyo Stock Exchange.

Tuesday, September 11, 2012

Rosettes As Symbols Of Accomplishments

Like the medals and trophies, rosettes are symbols of accomplishment. Throughout civilizations, these things are used to commend great achievements especially during contests. When we were little kids, Rosettes are awarded to us when we did well in class. More often, these are what are given to us during the science fairs when our inventions are able to wow the judges. In town fairs where contests on the biggest produce are usually held, these are also seen being pinned to the winning item. Rosettes, has become an undeniable accessory when it comes to rewards and recognition.

Rosettes are circular in shape with a flower-like design. It has actually been around since time immemorial. It has been initially used to design funerals or tombs of people, most especially prominent figures like queens, kings, and emperors.

No one really knows the exact path of the evolution of these things. Nowadays, anyone could make Rosettes just by following tutorials on you tube or manuals. All it takes is a little bit of creativity and you are well on your way to creating awesome Rosettes. Art papers could be used in making these. Since they come in different colours, one could already choose to use one shade or perhaps combine various ones for a more vibrant look or feel. One may need to use scissors and glue in making them. All in all, the cost in making will perhaps be cheap.

For those who choose to purchase them instead, there could be a lot of places where one can buy them. Perhaps the most convenient is making the purchase online. All it takes is a debit or credit card and one cal easily make the purchase within a few clicks. In the UK, the price of Rosettes that can be bought online can range from 1.75 to 1.95. Some designs consists of 3 tiers while others, which are usually for second place below could have two to only on tier.

The usual component of a Rosette for the first place is the colour gold. Symbolizing elegance, the said colour could be found usually in the middle of the Rosette. Some use it to design the sides or the tiers. Most commonly, it is used to mark 1st on the Rosette to better indicate the rank of the individual to which it was given.

Rosettes are simple but powerful things that can indicate triumph. It can come in different colours, sizes, number of tiers, and many more but it will forever be that simple symbol that everyone can understand.

Monday, September 10, 2012

Korean Fashion Clothes - A Rage Worldwide

Korean fashion is cool. Yes, this is the new trend among the youth around the world. You are in all probability conscious of the impact on the newest generation of Asian designers on the fashion bazaar, even if you are just a casual observer of fashion trends. Korean fashion clothing has arguably become one of the most prominent styles among fashion lovers. Over the last few years, Korean fashion has established itself as a full-size force in the fashion world and it has progressed from what can appropriately be phrased a cottage industry. In fact, from Paris to New York, sizzling young Korean fashion designers are all the most popular. Flair and uniqueness are some of the few qualities that have made the Korean fashion clothes so exciting. In opening up the world to Korean fashion, ease of access to worldwide shipping channels has been a key aspect.

Korean fashion clothing industry is certainly not new, although it has only recently begun to receive global attention. A assortment of exceptional styles and designs were recently unveiled at the top fashion shows. On the convenient styles, seen in local department stores on a daily basis, Korean fashion clothes are already making their mark. Korea style is both understated and avant-garde, right from prom dresses, suits to truly beautifully and cleverly designed fabrics. Korea has been producing excellent designers and Korean fashion clothes. What Korean designers have done today is that they are now reaching beyond their borders in an attempt display and sell their designs. Online shopping has empowered them in marketing their designs. Korea has begun to spread out its reach in the design world with advanced communication facilities and appreciation by the larger Korean fashion clothing houses that the rest of the world is easily reached.

The Internet is the finest place to begin for the majority of people outside of Korea who are concerned in searching the world of Korean fashion clothes. Enter a search that is all you require to look out for shopping. You will be overwhelmed by the number of websites, which deals with Korean fashion clothing. Both retail and wholesale sites are bountiful and each site leaned to offer a little diverse viewpoint on the clothing. You will find the selection amazing and the prices reasonable, in spite of which site you focus. Some sites deal with regional designs while others deals with Asian designs on a whole.

You will find direct manufacturers on the Internet to shop for clothes. You will quickly find that Korean clothes are readily accessible to you right from your home computer and online shopping makes it exceptionally simple to shipping terms and compare prices. Korean fashion clothes will persist to be a favorite in the clothing world. Korean fashion clothing will carry on to become more extensively available at rational prices regardless of whether you are shopping for fashionable mass merchandise or one of kind items. One thing is for sure, today and in the near future, you will be able to find the ideal look at the ideal price.

Thursday, September 6, 2012

Are You Eating Up Your Cash Advance Loans and Credit Card Limits?

Is your debt piled up with cash advance loans and filled credit cards? More often than not, news worthy stories will be reported about people who are falling further into debt. Negative reports about online cash advances and payday loans are plentiful. Stories about Americans falling deeper into credit card debt are rampant as well. Every now and then we read a story about the individual who climbed out of being deep in debt. These stories are triumphant and proof that with a little hard work and a lot of determination, it can be done.

I just read one of those refreshing stories. A debt well into the 6 figure category was washed out in five years. Wow! That is an impressive feat. One of the reasons why I love reading these types of stories is that it refreshes my spirit to stay on task when it comes to my own debt. We all have our personal stories and circumstances behind financial struggles, but when I read proof of a light at the end of a tunnel; it makes me focus a little bit harder.

One of the strategies the couple in the story took was to keep their problems in clear sight. All thirteen credit cards (13 -Yikes!) were cut up and kept in a plastic bag on top of the statements. It was all kept in a basket in full view. Taking one look at their basket was their reminder to spend more wisely and stay focused. The point is that they found something which worked for them. What would work for you? Unless there has been a loss of employment or medical debt, a big factor in American debt is the "I can" factor. This translates into spending beyond one's means because of third party money availability.

Third party money comes in all shapes and sizes. In order to have a good credit score, there needs to be different types of credit being used. It sounds like an oxymoron to me. You have to have debt in order to get a good credit rating, but if it is not utilized perfectly, finances will suffer from it. Similar to it is food; everyone has to eat, but how diet is managed along with other factors will determine the health of a person. You can't control outside factors for either one. Certain illnesses can affect a person's diet and losing a job can affect a budget. All anyone can do it to keep at it and evaluate often.

Whether you are working at getting rid of a pile of debt or that extra roll along the mid-section, don't let one error cancel out all your hard work. Stay on course! Hide the credit cards and avoid using short-term cash advances unless it is a true emergency in order to keep the debt from rebuilding. Credit counseling may be a good starting point for those who have difficulty budgeting income with cost of living. Whether you are cutting out debt or losing 10 pounds, you will have to cut out somewhere. Acceptance is the first step to making any program work. It is easy to blame the credit card companies, the speed of a cash advance online or the empty bag of chips: but let's face it, none of them forced you to consume the extra.