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Unsecured loans are considered as the most expensive loans in the market. These are the loans which are secured merely by the word of the borrower. These loans can be a viable option when you have the requirement of smaller amount of money.

You would find some upsides with an unsecured loan, like these loans have a shorter repayment schedule. This means that you will have to pay the repayments quicker over a shorter period of time. With a shorter repayment term, you will be having higher monthly outflow.

Procuring an unsecured loan is not an easy task, as the lenders have some stricter norms and they would prefer to offer an unsecured loan to the people with a good credit record. The interest rate on an unsecured loan will be higher as compared to a secured loan, as the lenders have a high risk associated to this loan type.

The main advantage with an unsecured loan is that it can be procured faster as compared to a secured loan type. You dont need any asset as collateral in order to procure a loan. The lender offers a loan just on basis of the merit of the borrower. If you have an urgent need of finances then an unsecured loans can be a viable solution for you.

For availing a good loan deal, you need to do a proper research in the loan market. Try to find out the least possible rates with the different lending institutions and then go for the deal which can cater your financial needs.

Adam Jaylin is an Online Shopping expert at Ukonlinemarket.co.uk providing you the best info on Bad Credit Loans

// posted by wgvx @ 9:08 PM 0 comments

1) Don't join any forum that has been set up just to sell something.
2) Don't join any forum that charges to view the posts.
3) Check how many members there are.
4) Check how many new posts each day.

But most of all, check the main site, if it has many pages on the West Highland White Terrier (More than 1000) then the forum will be good also.

There are now many sites set up to sell you something, the people don't care if you have a problem with your Westie, they just want as many people to visit as possible.

You can always tell the bad sites, more ads than content, and always have something to sell you..

Keep away from them, join other Westie people at good forums

A good Westie forum will have many members posting each day, the date of the posts may go back many years. The forum loads up very fast indicating the popularity has moved the forum onto a dedicated server. Dedicated servers cost money, if your not charged to join the forum and use it (other than voluntary donations) its a good forum.

Good Westie sites will have thousands of pages on health, grooming, training, feeding, history. They will have guest books, greeting card systems, vet databases, dog friendly databases, and will all be for free.

The main site wont be set up just to promote a book, or some other product. These people read up from other sites, copy the content and pass it off as their own.

Do a who is look up, look when the site was first registered, anything less than 8 years is not worth bothering with.

J.Eley
http://www.westhighlandwhite.co.uk/forum/index.php
Find out what a good forum looks like

// posted by wgvx @ 2:55 PM 0 comments

Thinking of starting to play tennis? Tennis is a great sport that requires mental preparation and physical agility. The first part of being able to play the game properly is understanding the rules, and in this article, we'll be discussing what are commonly agreed upon as the official rules of tennis. The rules that we will discuss are based on the provided courtesy of the International Tennis Federation.

THE COURT - Tennis should be played on a court that is built to certain specifications. The court should be 78 feet long. For a singles match, the court should be 27 feet in width, and for doubles matches, the court's width should be 36 feet. The net should be composed of a net with a cord of metal cable supporting it at a height of 3 and a half feet. Service lines should be placed 21 feet from each side of the net, designating the area in which serving should be performed.

THE RACKET - The rackets used in tennis should only have one pair of crisscrossing strings. Vibration dampening devices are allowed on the rackets, but they can only be placed outside of the strings. No devices that incorporate batteries to help your play are allowed.

THE SCORING - Tennis is a unique game in that it has special names given to the various points awarded. When calling out the score, the person serving the ball should always say their score first. A score of zero is called out by saying Love', and from there, the points go to 15, 30, 40, and game. If both players get a score of 40, the game must become a tie-breaker, and a 40-40 score is announced by saying Deuce'. In a Deuce' situation, if a player gets a point, they are said to have Advantage'. If a player with an Advantage' gets another point, the game is over. If a player gets a point while the other has Advantage', the score is reset to Deuce'. When a game is won, another game is begun until someone gets the best of 7 games. One catch is that they must win by two. If, at the end of 7 games, a player is up 4 to 3, another match must be held as winning by two is necessary. If a player takes the best of 7 games, winning by 2, they are said to have won the match.

Kadence Buchanan writes articles on many topics including Tennis, Golf, and Recreation

// posted by wgvx @ 11:49 PM 0 comments

There are a lot of storage devices used to store data but the most common used ones are the CDs, DVDs, memory cards, memory sticks and undoubtedly the hard drives. All these storage devices have on major flaw in common, they are not infallible and this means that the data stored on them can be lost or damaged through a number of unforeseen failures. Fortunately, there are companies that employ data recovery specialists that can recover your data by using special techniques, software and tools. Data recovery can sometimes be performed by the user of the damaged device by using software but there is a high risk of failure that can result in permanently erased data or damaged storage devices.

There are a number of conditions that can cause a storage device failure and they include heat, water, impacts and power interruptions. Other causes can be viruses.

Heat damage will usually be caused by fire but in the case of electronic devices and storage media, overheated equipment is the cause in most cases. For instance, in room with an ambient temperature that is too high, the air cushion thickness will be reduced by the air pressure. The hard drive heads might touch the recording plate and data will be damaged or lost.

In the case of hard drives, this kind of damage can also be caused by physical shocks or high vibration levels.

Most drives, but not all, have a seal that goes around the sides of the drive. If the seal is broken, the drive if prone to environmental contamination. The air is not very clean and with a damaged seal, particles from the air can grind the recording plate generating corruption or lost data.

If a hard drive is wet, water damage can occur even if it is turned off. Water is corrosive and will damage the metals found inside the hard drive generating microscopic pitting.

Data recovery specialists have both the required skills and the resources to perform a successful data recovery operation. This ensures a good chance that if you experience any data loss you can recover the data, be it sentimental data or business related information. The best advice is to keep a backup of the data that is important to you, this way you can avoid the expense of data recovery. If a backup is not available, expert services provided by data recovery specialists is a must.

Unirecovery Data Recovery specialists will provide a great recuperation success rate and are probably the best Data Recovery London service, Data Recovery professionals are waiting to help you.

// posted by wgvx @ 8:45 PM 0 comments

Sizzling, popping sirloin steak cooked off gas grills is an American pastime. BBQ Grills line the street like a cavalry in New York Citys Annual 28th St. fair in all shapes and sizes. Barbeques scattering charcoal bits across the ground, paper plates peppering the sidewalks, and passersby recounting old recipes upon smelling whats on the gas grill all help create that illustrious Midtown scene.

Weber grills, regular BBQ grills, and gas grills all have a special arrangement that allows for the proper heating and cooking of barbecue food. The filtering of smoke and the concentration of heat in the Weber grill, gas grill, and regular barbecue grill provide for safe cooking. Although removing charcoal on grills requires direct contact using a scraper, the mechanisms provide the rest of the work on barbecue grills. Solid, well-cooked recipes should be on your mind instead. Take out your BBQ recipes book, browse through the pages, and look for a grilling recipe.

Grilling requires know-how: the right cooking temperature for different BBQ foods, the proper settings on a Weber grill, how to clean a gas grill, what recipes to use, and even proper barbecue etiquette if youre overly loyal. BBQng is an art form in essence to be practiced. For the aficionado, it is important to choose a grill with the right specifications. The metal weight of the barbecue grill, height adjustments, and cooking features associated with natural gas grills should all be taken into consideration. Aficionados should also learn proper measures and techniques into checking the performance of their gas and barbecue grills, avoid harmful grilling methods, and troubleshoot problems. Charcoal should be removed with every cook-out, and correct grilling techniques should be employed (i.e. operating motor driven rotisseries and reading heat gauges).

a1 bbq grills is an information site about gas grills, barbeque smokers, hot tubs, outdoor living and grilling recipes. The purpose is to provide quality content about these topics for our users. It is difficult to understand all the differences about gas grills and barbeque smokers. Additionally, hot tubs and outdoor living, especially with all the patio furniture, types of patio accessories such as teak furniture, wicker furniture, patio heaters, gardening tools, accessories and more. Finally, grilling recipes enhance anyone's barbecue experience and whether the topics are recipes or how to maintain your gas grill or barbeque smoker, both will give you a better barbecue experience.

This is my first site and a vast learning experience. The url is http://a1-bbq-grills.com

// posted by wgvx @ 5:47 PM 0 comments

There are two things that you can do to ensure that you make money fast from your Adsense affiliate program.

The first and most important make money fast tip for your Adsense affiliate program is for you to make every effort to constantly grow your traffic. Without traffic you cannot possibly hope to make money fast from Adsense or any other affiliate program for that matter.

There are various techniques to do this successful and most of them cost money. Yet you can train in the use of the most powerful online marketing tool known to man which also happens to be free. And that is a promotional article or articles marketing as people refer to it. I fee sorry for you if you are skeptical that something free can also be the most effective, because you will end up losing an opportunity to make money fast online, not only from Adsense but also from many other online opportunities.

The second make money fast tip for Adsense that usually works like magic is to draw attention to your Adsense ads by placing an image right next to them. This image could be a banner ad from an affiliate program that you have joined or your own image obtained elsewhere. It really does not matter because by just placing the image next to your Adsense ads you will notice the change immediately as you begin to make money fast and in fact much faster than before.

Learn more about the best home business opportunity from a blogger who rakes in thousands of dollars... and growing from their home business.

// posted by wgvx @ 2:56 PM 0 comments

Why is the Mediterranean interior design trend taking the industry by storm? It is most likely because of its timelessness and the atmosphere of a laid-back lifestyle it imparts.

Mediterranean interior design makes use of the colors of the earth and the sky, including yellow, lavender, peach, orange, salmon, and other hues that reflect the jaunty Mediterranean culture.

Intricate tile works, massive urns, and heavy wrought iron gates and grills all come together to define Mediterranean interior design and can blend well with other types of furniture and decor.

Mediterranean interior design also makes use of foliage not just for the landscaping but also as accent pieces for a home's interiors. Houses making use of Mediterranean interior design do not have too many structures that serve no purpose. Usually, architecture is simple and personal touches depend on the homeowner's own collections and decor.

An individual who wishes to implement Mediterranean interior design techniques makes liberal use of mosaic tiles for backsplashes or floorings, burnished hardware, and sparse ornamentation.

The furniture used for Mediterranean interior design can be a combination of French Country, Italian, Greek, and Spanish pieces which never go out of date. This is why Mediterranean interior design is a very popular style among first-time homeowners who are bent on keeping their homes for a long time.

Embarking On A Mediterranean Interior Design Project

Due to its immense popularity these days, there is never a dearth of supplies of Mediterranean decor and accessories. People who have decided on using this style for their homes know that it is not difficult to achieve this look, and neither is it too expensive.

All you need to work on a Mediterranean interior design project is creativity and a lot of research. A common element of homes with this style is the signature paint. Most homes using this theme use a rich terra-cotta tint for the walls. Those who find this color a bit too dark, though, may go for a more cheerful shade of yellow or a striking French blue.

Indeed, the color alone may be enough to evoke the Mediterranean atmosphere, but you should also try to achieve the wall texture that these types of homes are known for.

There are paint rollers which, when applied, leave a rough texture pattern reminiscent of classic Mediterranean abodes. Remember to use flat paint and not the enamel type of paint so as to achieve the needed chalky texture.

The furniture that's appropriate for Mediterranean interior design must be sleek and simple, with classic curves and patterns that call upon the romanticism of the easy Mediterranean lifestyle.

You could make use of wrought-iron garden sets for the lawn and comfortable oversize couches for the interiors. If you can't afford new couches and chairs, you could have them upholstered in neutral fabrics and accessorize these with colorful pillows and shawls.

Once you're done choosing the big pieces, you can now pick out the lighting. Track lights are a good bet for Mediterranean interior design, despite what purists may say. Lamps, whether they're etabletop lamps or standing lamps, give some serenity to a room and can be moved around when needed.

To top off your Mediterranean interior design project, bring in some plants to brighten up the space. If you're not too keen on tending plants that need to be regularly taken out for sunlight, invest in a striking flower.

You can also find more info on Kitchen Interior Design and Master Bedroom Interior Design. 1interiordesign.com is a comprehensive resource to know about Interior Design.

// posted by wgvx @ 6:23 PM 0 comments

There is no doubt that what we are experiencing today is unprecedented in real estate and mortgage lending. My name is Darren Meade, and I am a the President of Victory Mortgage.

The purpose of my article is to give you a brief overview of what is taking place within mortgage lending at this time and to offer you insights that you can share with both your sellers and buyers. This information will allow you not only to profit in todays market, but it will help you advise your clients so that they can make educated decisions about buying and selling property.

Have you ever seen on the news, the satellite photo of a hurricane? It looks rather ominous, doesnt it? And, while it certainly seems like its going to be a bad day here, anyone whos been through a hurricane knows that there is a world of difference between a Category 1 bad day and a Category 5 bad day. And, based on this image alone, we cant really say for sure what were dealing with. To adequately prepare for this storm, we need more information, dont we?

What Im going to do for you today is similar to what a pilot of a hurricane-hunter airplane does. Im going to take you right into the eye of this hurricane, so that you can prepare for the kind of storm thats about to come ashore. And, from what I can tell, the storm we are about to be hit with is major, even catastrophic.

The mortgage meltdown of 2007 is one those storms. If you were to try and compare the economic damage of this financial storm to that of the storm in this picture, dont even try. In the past few weeks alone, over $2 trillion was lost in global markets, and I dont think we are anywhere near the worst of it yet. And, to add salt to the wound, we are seeing signs that whats taking place here in the United States is starting to infect other countries as well. Within the global economy, not only are other countries dealing with their own subprime woes, other financial companies in these countries have invested in our mortgage-backed securities as well.

To get an idea of what it is that brought us here, we have to wrap our arms around whats happened. We have to understand the key determining factors. As with anything this major, there wasnt just one thing that brought this situation to light. No, quite the contrary. There were a number of factors that, once aligned, produced the laser-like heat that ignited and culminated in the meltdown we have today.

First of all, we have what is known as Subprime and Alt-A lending. Subprime lending is for people who would like to get a mortgage but havent done a good job of paying their bills. However, as were in the days when tracking ones FICO score has become a hobby for some, lows scores even in conjunction with no late pays can force someone into a subprime mortgage. Other factors mandating the necessity of a subprime loan could be little-to-no down-payment, the inability to validate income with tax returns, or the inability to source funds for a down-payment. Or, it could just be a combination of all of the items mentioned here.

Alt-A lending is a lot like subprime lending, except that the borrower will predominantly have good credit. With Alt-A loans, borrowers are unable or unwilling to provide documentation for income and/or assets. These types of loans are commonly referred to as Stated- or Reduced-documentation type loans, or the infamous No Doc or no-documentation-required loan.

All told, including some A Paper type loans, in which little to no docs were required, these loan types accounted for anywhere between 40%-70% of the mortgage business in the last few years. Folks, these accounted for a lot of the loans that were getting done.

During the time of the real estate boom, rampant appreciation was seen in the housing market. Investors clamoring for ever-higher returns turned to the real estate market and credit markets to take advantage of the boom. This insatiable appetite for new profits led to some pretty wild and loose underwriting guidelines.

To give you an idea of how loose things had become, we were able to provide someone with 100% financing for a $685K purchase this person was recently self-employed, had two foreclosures, and a bankruptcy within two years, all on stated income and stated assets. I dont think you personally would have extended money to this person, but the financial markets were willing to. The person was granted a mortgage based on perfection within the markets, both housing and investment. Today, this borrower would not be granted anything even remotely close. If this person were to slip on a banana peel, do you think he might miss a mortgage payment or lose his house? In short, yes.

I cant tell you whether or not the individual in question is still paying his mortgage on time, but others clearly were not. Consumers started showing problems in the third and fourth quarters of last year, and mortgage delinquencies started to mount. As such, bond investors started pulling back and companies started to fall.

We started to see weakness in the mortgage market last December, when the first of several large companies was set to take a fall. Own-It Mortgage, a subprime company that was set to close over $20 billion in loans in 2007 was hit with a lack of desire by investors to buy the loans they had funded. Unable to fund the loans themselves, Own-It was forced to close their doors, becoming one of the first ten companies to go down the tubes and be featured on the Mortgage Implodes website, which now lists 114 companies that have gone away.

Lets take a brief look into the world of mortgages. Few mortgages are held by the bank or the investor that funds them. Over the past ten to fifteen years, the securities markets have grown markedly as the appetite for higher yield products has grown immeasurably. With this appetite grew a desire for riskier loans that companies package and sell in pools known as mortgage-backed securities. Mortgage-backed securities are sold on the open market and are traded much like any other bond, with the expectation that people with mortgages will pay monthly on their obligations, netting an expected yield for the end investor.

What happens is that a company may package a group of $100 million in loans and sell them on the open market for anywhere from $100-101 million. As investors realized these loans were not performing, they were now willing to pay only $95 million for the same batch of loans. And, in some cases, even less. In addition, as many of these investors used the loans as leverage for other investments, they were used on margin, similar to what you might do in an investment account. As the value of the funds was decreasing, the mortgage companies were also forced to pay into the investment to make their margin calls, forcing additional pressure and cash drains. In a sense, this was the perfect storm for mortgage companies, and they are paying for it with their companys life. This was seen with the recent demise of American Home Mortgage and other companies, as investors decided they didnt want these loans, forcing the companies out.

What happened next is we saw the slowdown in the real estate market, as home prices started to deteriorate in 2006. However, weve never seen a real estate market on a national scale where home prices fell. The investment and underwriting models for which these loans were originated were, in part, based on this.

As home prices started to stagnate, many people who obtained loans based on the premise of continually escalating home prices were caught in a trap, as they were unable to sell and unable to refinance their loan. The homeowner who had been living a lifestyle based on their equity was now maxed out, having spent way beyond their normal means. With no more equity to pull out to consolidate or lower their payments, they were now in trouble.

As a result of these problems, we now have loans in the investment markets where even if a lender were willing to approve them, they wouldnt be able to sell them, effectively turning them into Officer and a Gentleman loans, screaming, I got nowhere else to go!

Whats next for real estate? Lets think about this. With changes to credit tightening, a huge number of people will now be unable to purchase a home. On a percentage basis, were talking about a minimum of 15% of borrowers will be impacted by processing styles and loan availability alone. In a U.S. market where six million people buy homes, you just took 900,000 buyers off the market. It doesnt mean that people wont still need to sell though. Consequently, were seeing increasing inventories and increasing marketing times. I dont think that 12 months of inventory is an unreasonable estimate, as many areas of the country are already experiencing well in excess of 18-24 months. Accompanying this will be more foreclosures. Foreclosure activity in July was double what it was for the same time last year.

Its estimated that in the next 12-18 months, over 2 million people will be faced with their Adjustable Rate Mortgages resetting, resulting in an increase in their minimum payments of anywhere from 30-100%. While this one action will not push people over the top, what it does do is add additional strain to an already over-leveraged consumer. Add in any life events such as injury, loss of job, or increasing payments due to rising interest rates in the consumer arena and you have a recipe for financial disaster.

If I am a seller, I need to be aware of this in light of a slowing housing market. For anyone who has seen rapidly appreciating property values the past few years, it could be difficult to accept the fact that their home is now worth less than before. However, to use a stock market analogy, if you need to sell stock that yesterday warranted $10,000 and today was worth $8,500, would you decide not to sell, even if you were now losing money? Of course not, provided you had the means to absorb the loss. Well, the same beliefs should apply here.

The borrowers who will be caught up in this mess are the ones who were looking to obtain minimal-to-no documentation type loans. This includes those with great, good, and poor credit alike. Some have estimated that these types of loans account for nearly 40%-70% of all the loans originated in 2005-2006. What this means for real estate moving forward is that there will be far fewer buyers who are able to qualify under the terms of their last mortgage. While this wont necessarily take all of these people off the market, obtaining financing going forward will be a much more difficult process for them.

Not everyone is caught up in this mess. For the plain vanilla type of borrower, someone who has a job, savings, and the ability to provide documentation as used to be required these borrowers are still fine. And, with some products, there will still be some stated income opportunities without exorbitant rates. In addition, government loans will pick up a lot of the slack for those individuals with credit issues and minimal down payments.

However, as this situation continues to evolve, things are subject to change. So its important not to get too comfortable.

Let me ask you a question. What would your business look like if you were to close 50% fewer deals over the next 12 months? All of the factors mentioned here so far could very well have that kind of impact on many in our business.

However, it doesnt have to be this way. There are opportunities for everyone in our business. There are opportunities with sellers and with buyers, but we have to act fast, act decisively, and get started now.

For sellers, its important that they get real about their price, and quickly. They cannot afford to wait as pressures will build rapidly, and, when they do, money will be lost. The lowest price that they may be willing to accept today could very well become an unrealistic wish six to twelve months from now. And, if they dont reduce their price, their home may never even get shown. Also, as lenders have now pulled back on second mortgages, sellers may need to consider holding a second in some cases.

Absolutely do not accept an offer from a buyer who has not been pre-approved by a reputable lender under any circumstances. And make sure that the approval is recent. With buyers becoming few and far between, sellers dont want to take their home off the market, only to have the deal blow up six weeks from now.

Finally, get sellers pre-approved. You dont want to have a deal blow up because the seller cant buy later.

What about buyers? For buyers who are seeking 100% financing, where it is available, it will be more expensive either in the form of higher rates or non-available seconds. This doesnt mean that for some programs, as in community homebuyer, etc., that it isnt available. But, for more expensive homes, its going to be difficult in many cases.

With second mortgages cutting back, its time to start thinking about getting PMI again. For many people, its become tax deductible this year.

Before a buyer gets too busy shopping, they need to take a look at their credit. In many cases, improvements to FICO scores can be had through just some minor changes to their profile.

Finally, borrowers should go ahead and start collecting their paperwork. This includes all the traditional information like tax returns, bank statements, and pay stubs. This will always help someone to achieve the best possible rate.

The reason checking credit is essential is that FICO scores are very important. There are some hard, fast lines in the sand when it comes to certain approvals, and the numbers were looking at are 720, 680, and 620. Depending on the loan program, a certain score is needed and, without it, you can forget it. Exceptions are now basically non-existent.

Proper credit repair and maintenance can be the difference between a homeowner and a tire kicker today. When you have control over the buyer, try to get them started on this process 3-6 months in advance. The difference this could make to them and to you is a home priced tens of thousands of dollars higher.

In order to obtain the best-priced loan, let your clients know that they need to get their documentation together. Once we have it in hand, we no longer have to make estimates on what people can afford and qualify for. It will save them money and help them to buy more home.

Now is not the time to go it alone. And its not the time to refer three lenders. Partnerships are critical to your success. Unfortunately, too many people became comfortable with the idea that everyone could get a loan and it wasnt important who a buyer got their loan from. Not today. You need one go to lender who not only has product, but whos also an expert in underwriting and credit analysis, has a great credit repair partner, and is local and accountable. A loan officer from Quicken Loans, or an out-of-the-area lender, doesnt stand to lose much reputation-wise if your deal goes south. I do.

The news isnt all bad though, and there are future possibilities. Instead of focusing on what the media is harping on each day, think about the fact that subprime only accounted for a little over 12% of mortgage production last year. There is still massive opportunity. But Im going to need you to keep your head up and do things a little differently from now on. Whether you work with me or another lender, you need to have them involved from the very beginning with both buyers and sellers. We can present facts together that may be more compelling and also keep the fire under them.

For those who follow the steps Im suggesting here, theres definitely profit for you ahead. However, you need a plan. Part of that plan includes educating your sellers regarding whats taking place today, not just in real estate, but in mortgages as well. Let them know whats on the horizon, and obtain significant reductions. Make sure any buyer, while desirable, is properly scrutinized. By positioning the property appropriately, you can get it off the market and save marketing dollars. And, by all means, make sure your sellers get pre-approved. We dont want them to be the reason why theyre unable to move.

For buyers, many of the same rules apply. First and foremost, dont spend time showing them a home without checking them out first. This will benefit both you and the buyer. Even the best of candidates may have issues we dont know about. Also, keep in mind that investors are more important now than they were during the boom. Cultivate these relationships, they will be important.

What I want you to leave here with is a plan to meet with not only your sellers, but also any buyers you may be working with as well. Have action meetings with them. Inform them of the current crisis, and educate them in order to get them to act. When it comes to sellers, use me to find out what they are really willing to do under a worst case scenario. When you find their dollar amount, market the heck out of it to other agents, letting them know you have someone who is hot to sell, I mean REALLY HOT!

Start to think of buyers as almost the same as listings today. Once you let them know that they may not be able to qualify in the future, they should be more motivated to act today. Get them pre-approved and keep them pre-approved based on current conditions. Once you have them, direct them towards your realistic sellers. Also, be sure to communicate with other listing agents and make them aware that you have a real buyer. Theyll let you know who it is that theyre working with whos hot to sell.

Together, we can work through this and position ourselves to really succeed when this cloud lifts, ensuring great years ahead.

My name is Darren Meade with Victory Mortgage Lenders, and I look forward to working with you.

http://darrenmeade.zaadz.com http://www.victorylenders.net

Darren Meade is a national and local real estate financing expert. He is available for speaking engagements, personal coaching and consultations. He may be reached at (949) 499-1785

// posted by wgvx @ 3:31 PM 0 comments

Metal detecting for gold nuggets is a pastime that is fairly new. The old time prospectors who searched for gold decades ago, never had any piece of equipment remotely like a metal detector. Modern technology however, has brought us this new device - the metal detector and modern prospectors are finding some signifigant gold that was previously overlooked. A detector is an electronic device, which can sense metallic objects buried in the ground. Since gold is certainly a metallic material, metal detectors can be used to find gold nuggets. In the last 20 years, detecting for nuggets has become a very fast-growing aspect of the prospecting world. Several companies have developed metal detectors specifically optimized to find nuggets. Mind you, there is no such thing as a metal detector that finds only gold and no other types of metal, but there are systems capable of distinguishing iron trash from gold in most cases, and technology continues to improve.

Out in the western gold fields, the traffic of electronic prospectors on the hills appears to be increasing every year. While a lot of factors are contributing to this, probably the biggest force attracting these new folks is the continuing increase in the price of gold. Many experts think gold is headed higher for the long term and the number of new prospectors out in the field will surely reflect this increase in the coming years.

There are many varieties of metal detectors with technologies and features designed for certain characteristics and certain types of uses. All of the technologies currently in use work by putting electrical energy into a coil which creates a magnetic field and then sensing the response of a metallic object to that magnetic field. Some are designed for hunting deep caches and treasure, others for general purpose coin and jewelry hunting, and still others for underwater or beach hunting. The type we are most interested in is those detectors designed specifically to prospect for gold nuggets.

Many folks considering the purchase of a metal detector will ask which one is best? This is not a simple question and the answer depends on your finances and what you intend to do with your metal detector. When considering what detector to buy it is important to consider what type of detecting you want to do. If you plan to only detect for nuggets once in a while, you probably will be most interested in a general purpose detector which can also be used for detecting coins and jewelry at schools, parks and other locations. If you intend to focus only on detecting for nuggets and have the cash, it is best to purchase a detector which is optimized for nugget detecting.

The depth at which a nugget can be detected varies quite a bit with size, density and shape of the nugget, the mineral content of the soil, the technology of the detector, the size of the coil being used and a number of other factors as well.

The world of metal detectors designed to detect nuggets is dominated by two technologies one is called VLF or induction balance, the other is called PI or pulse induction. With the VLF technology, the electric energy into the coil goes up and down as a sine wave. With PI technology, the electric energy into the coil turns on, shuts off for a brief period of time, then senses the presence of any metallic object by its magnetic field. In general, VLF technology is able to sense smaller gold and to discriminate gold from most iron trash, but it is also more sensitive to negative effects from mineralization in the ground. PI technology is able to sense large gold deeper and is much less sensitive to mineralization in the ground. Intense mineralization is common in many gold mining districts. As a result, detectors using Minelab PI technology are the ones most commonly used to find gold nuggets in many parts of the Western US.

Getting the best quality equipment isnt cheapwhen it comes to metal detectors built for gold nuggets. The cost of a top of the line, brand new Minelab GPX4000 with the typical accessories and a few extra coils currently runs well over $4500, and that is no small chunk of change. Yet in spite of that fact, there seems to be an unending stream of new prospectors often retirees that are willing to shell out some significant money to get involved in this exciting pastime. A surprising number are completely new prospectors. These are guys who have never panned, sluiced or dry washed a single flake of gold previously, but are attracted to the possibility that sophisticated detector technology can help them find some trophy sized gold nuggets (I can say from experience that staring too long at photos of those trophy nuggets will give you a bad case of gold fever faster than you can imagine!).

In my mind, nugget detecting is the toughest form of individual prospecting to consistently succeed at, but the attraction of the metal detector is the fact that the yields can be very much higher - when you are successful, you can find a significant amount of gold very quickly. It takes time, however to learn those skills and gain the experience needed to be successful, so dont expect to just hit the field and suddenly strike it rich. If you work at it, in time you will be successful.

If you are interested in purchasing your own metal detector, take a look at my web page of suggestions for those interested in getting started in detecting for gold. Take a look:
http://nevada-outback-gems.com/Reference_pages/Dectector_choice.htm

If you want to find out what it takes to build your own detector, I also did up a web page on building your own detector:
http://nevada-outback-gems.com/design_plans/DIY_metal_detect/metal_detector.htm

For more information about using a metal detector to find gold, jewelry, coins and treasure, be sure to check out my MXT users page. This page is full of valuable information. Take a look at:
http://nevada-outback-gems.com/MXT_files/MXT_basepage.htm

// posted by wgvx @ 12:44 AM 0 comments

Today, there are situations when we actually add a middle person instead of eliminating one for increased service efficiency. If its cost-effective and demand is high, then proper market positioning will make it a worthwhile endeavor. For example, my sister just informed me of a food delivery service in New Mexico that will let you choose one out of many different food outlets (all types of ethnic/fast food)- and then guarantees delivery within a specific time period. This not only gives the customer assurance of reliability, but more choices for dining take out style.

In other areas of industry, the same idea holds true. There are electrical suppliers that no longer manufacture the product of electricity, but now are involved only in the delivery process of electricity to the customers. Because of market fluctuations, the new delivery supplier will utilize many other different energy suppliers to get the product of electricity to the customer efficiently and at the best market price. Again, adding the middle man seems to benefit all around.

In relating this theory to restaurants, it is the food runner that has become popular, especially in the larger dining establishments that rarely existed years ago. Food runners are employees who only work the rush hours of the dining room- only running food back and forth from the kitchen to the tables with light dining room table interaction (condiments, fresh pepper etc.). It is a 2-4 hr. shift, depending on how long the dining rush lasts.

Before large restaurants existed, the waiter would complete the process of order taking and delivering of the food. Today, the food runner can be implemented (additional middle man) relieving the waiter of this time consuming and sometimes painstaking process. The waiter must share a percentage of his tip with the runner, but in return his job is eased because the food is delivered for him- allowing extra time to work more tables and up sell to customers thereby increasing sales. Though, it does remain the waiters responsibility to check the table for additional diner needs-- either while the food is being placed by the runner or shortly thereafter. The tip-out to the runner is usually 10-15% depending on the service system, but well worth it if waiter sales can increase by 20-30 %.

The main point is the food runner addition improves delivery service efficiency while being cost-effective (if the sales increase outweighs the payroll increase). Properly integrating employees into the dining room with exact middle man connections always makes for smooth service flow. Its not a matter of just blindly throwing extra employees at a service problem, but organizing the best system possible with the minimal amount of labor.

Adding the middle man can sometimes streamline operations in such way that it becomes irresistible and impossible to ignore. Always, the demand arises when delivery routes of a service system become overloaded.

Topserve Consulting is a Restaurant Service Consulting and Waiter Training Company.

Richard Saporito has over 30yrs. of restaurant service experience in many large, diverse and profitable NYC establishments. He uses this past successful experience to help restaurants achieve their desired customer service goals-understanding it may be the difference between success and failure. Richards book--How to Improve Dining Room Service-- is used as a guide for setting up restaurant dining room customer service systems.

In detail, this book explains important topics such as the Front Door and Reservation Desk Duties, Seating, Dining Room Organization, Understanding, Awareness, Menu Knowledge, Staff Scheduling, Traffic Flow Guidelines, Safety, Sanitation and much more.

http://www.topserveconsulting.com info@topserveconsulting.com Toll free: 888-276-4808 cell phone: 917 755-7634

// posted by wgvx @ 9:55 PM 0 comments

Everybody aspires to make their dream house and live life with as much of luxuries as possible. This kind of thought comes to people from time to time, but apparently various kinds of responsibilities act as constrains in the fulfillment of these dreams. People spend ages trying to educate their children in the best of schools, colleges and then when their kids grow up, they still have to look after them. With all these responsibilities to fulfill, people cross their age and they realize that they have done nothing for themselves. However, if you are a senior citizen and still want to fulfill your dreams, you can easily opt for the American reverse mortgage. A reverse mortgage is a kind of loan that is made available to senior citizens of America and is used to release the home equity in the property as one lump sum or multiple payments.

Reverse mortgage has been in the United States for almost twenty years now and they were formed when the American Associated of Retired Persons approached the US Congress to come up with a financial product that would allow seniors to stay in their homes as long as possible. It took awhile for the product to catch the attention of the public. However, according to some research that was conducted on reverse mortgage, it shows that it gained popularity in the past three years. American reverse mortgage has been specifically created for the senior citizens who want to apply for any kind of a loan to fulfill any of their financial demand. The amount of a reverse mortgage loan is determined by various factors, which includes the Federal Home Administration (FHA) or Fannie Mae (FNMA) appraised value of the home, its location, and the age of the borrower.

There are some basic differences between the American reverse mortgage and the other traditional mortgage loans. The main difference is that in reverse mortgage the applicant does not need to make any monthly payments. The loan however needs to be paid in full once the applicant sells the house or no longer uses it as a principal residence. This makes owning your house for a longer period a feasible alternative you never have the risk of losing your house, provided you pay the apposite property taxes and insurance. American reverse mortgage resembles a traditional or a regular mortgage only when closing costs are concerned, which includes any fees that are applicable for servicing the loan and other such upfront costs. American reverse mortgage has actually made things much easier for aged people to fulfill their dreams. In fact, one can say that reverse mortgage has come in as a blessing in disguise for aged people who are still striving to live their dreams.

All that a senior citizen needs to do before opting for American reverse mortgage is that he or she should vigilantly evaluate the requirements of the American reverse mortgage and consider other, more conventional options, such a home equity line of credit or a second mortgage before moving forward to obtain a reverse mortgage. In any case, one should make sure to go through the details and definitely take the help of a mortgage consultant. The consultants financial counseling can help them to understand the details required for reverse mortgages and this will help them in taking any kind of financial decisions.

Antonio Redford is a legal expert. He gives advice to clients who are looking for expert counsel on reverse mortgage. For more queries about reverse mortgage loan, American reverse mortgage, California reverse mortgage and reverse mortgage Canada visit www.reverse-mortgage-seniors.com

// posted by wgvx @ 6:06 PM 0 comments

Question: Should I Go To Human Resources To Protest An Evaluation I Believe Is Unfair?

It's difficult to answer the question without knowing how human resources works in your company, your relationship with the manager, and the nature and use of the appraisals. But here are a few things to consider.

It is probably within your rights to approach human resources with your concerns about a performance evaluation you feel is unfair. However, whether this will result in good outcomes or not is another question. It is true that human resources should be interested and concerned if you feel you have been evaluated unfairly, but it doesn't always work out.

Probably your best step is to try to deal with your concerns directly with the manager or supervisor who has evaluated you. Make sure you have indicated your disagreement on any paperwork (evaluation forms and documentation). If you can't make any progress with your manager, then it's fair to inform him or her that if the two of you can't resolve the issue between you, that you will approach human resources for clarification of the process and your options. Don't phrase that as a threat.

If you approach human resources, it's better to ask for clarification rather than launch a full scale accusatory rant about your manager. If HR sees you as reasonable in approach, they are more likely to consider your concerns.

It is good to remember that many human resource professionals are committed to the welfare of employees, but that their prime role is to serve the overall good of the company, and they are bound by formal and informal policies and procedures, and internal politics. Also, since they aren't as close to you and your performance as a manager or supervisor, they will tend to be hesitant to intervene too directly.

Finally, if you believe that your evaluation is negatively affected by managerial actions that are illegal (discrimination of various types, sexual harrassment), then it may be better to approach HR earlier in the process. HR tends to look at potentially illegal managerial decisions more seriously than differences of opinion that have no legal implications.

(c) 2007, Robert Bacal, Bacal & Associates. You are welcome to "reprint" this article online as long as it remains complete and unaltered (including the "about the author" info at the end) all links are made live, and this copyright notice and indication of authorship are included.

Bacal is a noted performance management author, consultant and trainer, and is the author of a number of books published by McGraw-Hill including Performance Management - A Briefcase Book, Manager's Guide to Performance Reviews and Perfect Phrases For Performance Reviews. For more free information and help with performance management, reviews, and appraisals, visit the Performance Management & Appraisal Help Center at http://performance-appraisals.org.

In addition to over 800 articles on performance related subjects, you will find tools to help with diagnosing performance, using progressive discipline, and setting objectives at http://performance-appraisals.org/learnto.

// posted by wgvx @ 3:12 PM 0 comments

Please read through my top 10 favourite restaurants around the island of Lanzarote and please also feel free to go and try them for yourselves!

Almacen De Sal - Situated right on the sea front promenade in the centre of Playa Blanca, this restaurant is my favourite. This restaurant used to be an old salt repository so has bags of character and charm. The service is second to none as is the cuisine. There is an extensive menu to choose from and I have many favourites on the menu including the onion soup, advocado with prawns, Steaks, fish, paella, to name but a few! This restaurant also has live piano music and is very child friendly yet also romantic.

Restaurante Playa Quemada - Playa Quemada. We would definately recommend this restaurant if you are prepared to go a little off the beaten track! From Playa Blanca is it just after Yaiza and there is a right turn that takes you down to Playa Quemada. Dont wear your high heels as the car park leaves a little to be desired! This restaurant serves fabulous food and there is always excellent fresh fish available. Booking is definitely advisable.

Mirador de Lobos - Playa Blanca, next door to the entrace of the Natura Palace Hotel. This restaurant is a firm favourite in our family as it is definately child friendly and has an extensive menu. The fresh fish and any specials of the day are worth trying.

Don Camillo - Playa Blanca, on the sea front promenade towards the harbour. Don Camillo offers excellent international cuisine with an extensive menu. There are three different kitchens, including a steak grill and pizzeria. The T-bone steak is wonderful but dont order it unless you havent eaten for a while!

La Era - Yaiza, behind the Town Hall. This restaurant is open all week from 1.00pm till 11.00pm and booking is advisable. La Era is in the lovely little village of Yaiza, set in a 300-year-old farmhouse with gardens, courtyards and outbuildings restored by Cesar Manrique into a fascinating and beautiful place to eat and drink. La Era serves authentic Canarian cuisine as well as International dishes.

La Bocaina - next to the petrol station in Playa Blanca, on the right, travelling toward Playa Blanca. This restaurant has been around for 40 years although now under new ownership. The soups, sauces are all homemade and prepared to order. Therefore do not come to this restaurant if you are in a hurry! First class Cuisine and this restaurant is closed on Mondays.

Restaurante Terraza Case Pedro - Playa Blanca. I would recommend this as an excellent fish restaurant down on the promenade of Playa Blanca. Walk down to the sea front and when you reach the small beach area in front of the restaurants, turn right. You are heading for the green restaurant which is on the corner. Keep walking until you see the restaurant called Restaurante Terraza Casa Pedro. Beware, there is a restaurant next door to it that is also called Restaurant Pedro - make sure you go in the first Pedro restaurant. We thoroughly recommend that you have the fresh fish of the day served with canarian potatoes and sauce. This is a lovely evening restaurant, but is also excellent at lunch times, as you can sit out by the sea in the outside eating area. This restaurant is normally closed on Thursdays.

El Bodegon Del Mano - Playa Blanca. This is a superb restaurant for steak. This is a small restaurant run by Chef Jess Martnex Lebrusn and is excellent. The Chef himself cooks and is the waiter too he has one assistant helping in the kitchen. It offers a very small but exclusive menu and we thoroughly recommend the steak in pepper sauce, mushroom sauce or chestnut sauce. This is a quiet restaurant, probably not suitable for very young children and is usually closed on Mondays. It is located in the pedestrianised shopping area behind the sea front. Walk past the Marcial Supermarcado and the restaurant is on your right-hand side, not directly after Marcial Supermarcado but the next right. It is situated underneath Restaurant Romantica. It is recommended that you book this restaurant prior to going as it can get very busy.

LagOmar - Oasis de Nazaret at the top of the village, off the road between Tahiche and Teguise. If youre looing to dine in dramatic surroundings then LagOmar is hard to beat as this restaurant, serving modern international food, used to be part of former film star Omar Sharifs home built into the side of a disused quarry by two German architects in the style of Cesar Manrique.

The menu never seems to change that much but the location itself makes up for that and the quality of cooking is excellent.

Amura - Far end of the marina at Puerto Calero which is a ten minute taxi journey from Puerto del Carmen. Amura enjoys a great sea front location in the marina at Puerto Calero and offers top quality international cuisine in up market surroundings. Like many other leading restaurants, Amura has a New Years Eve spectacular planned which involves fireworks, free bar and live music and dancing. Excellent for a special occasion.

I still have many restaurants to try around Lanzarote, but as I am a villa owner in Playa Blanca, I will be in a position to try more as time goes by and then pass on my reviews to the future guests of my Villa.

Becky is the owner of Villa Jasmin, a luxury villa in Playa Blanca, Lanzarote. The villa is available for rental and further details can be found on http://www.villajasmin.co.uk

// posted by wgvx @ 7:13 PM 0 comments

Lot of people makes money from their blogs. It is can be easy if you have the right tools. This article will show you the right tools for you to start making money from blogs.

First thing you need to do is go and sign up for a blog. There are a few free ones out there. Blogger.com is a good one. After you sign up for a blog, write your first post. The number one and tow rule in blogging is stay on topic and keep your blog updated. Try to update once a week. People always set up a blog and forget to update it and when they remember they update it off topic.

Now that you started your blog, you want to sign up for Adsense. That is one of the easiest ways to make money from your blog. You will not make a lot of money with Adsense at first but keep blogging and I am sure you will start making something.

Another way to make money from your blog is to sign up for an affiliate program and promote it. Like if you like dogs and write a blog about dogs find an affiliate program that sells dog stuff and promote it. Set the link on your page, by from the place and tell others how well the place is whatever you do, try to be honest. People do not want to buy anything from links on websites that are not honest.

Now you have to get people to your blog. Try joining forums of the same topic of your blog. While you are at the forums, answer questions, get involved, and get people to know you. You can also do link exchanges to get your blog out there. The higher your blog is on a search engine, the better it is for you to get people to your blog.

Good luck on making money from blogs. Remember to stay on topic and have fun

Ernest Kent has been an affiliate marketer for 1 year. If you would like to learn, more please visit - Ways to Make Money Online

// posted by wgvx @ 1:42 PM 0 comments