Friday, June 29, 2012

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Thursday, June 28, 2012

Slovenia Real Estate Insiders Report By Taylor White

When you mention real estate investment in overseas markets, the initial reception is usually skeptical. When you take this topic further by saying that investments in Slovenia are more profitable compared to the real estate market in California, you are most likely to shock most of the people. For example, if you say that you had bought a housing property in Slovenia for 0,000, the initial comments would most probably be, "Slovenia? Is it a town or a country? I have never heard of it", "Don't you think buying a house in Slovenia is a risky affair?", and "I am convinced that you are not acting in an intelligent manner". Some of the comments could be even harsher. On the other hand, if you state that you have invested ,000,000 in a waterfront property in a remote area in California, people would unanimously agree that you had made a wise decision. In reality, which of the above two investments is riskier? How to decide whether real estate investment in new overseas markets like Slovenia is riskier or safer than an investment in native California?

Slovenia Economy

It is true that many real estate investors in various countries had neither heard of Slovenia or the opportunities that this little known neighbor of Italy offers in the property field. Slovenia joined the European Union in 2004 and recently adopted euro as its currency. It would be interesting to know that Slovenia possesses the highest per capita GDP in the Central Europe region, according to the CIA World Factbook. Further, the infrastructure of this country is one of the best and the workforce is also quite well-educated. Like most global countries, properties appreciated significantly between 2004 and 2007. However, the worldwide recession after the bursting of the real estate bubble in the middle of 2008 in the United States affected Slovenia also to a certain extent. Still, the country had managed to recover and is now on the growth path again. The present GDP growth rate is around 5%, the highest for any new member state of the European Union.

Slovenia Real Estate Market

Data released by the Statistical Office of Republic of Slovenia (SORS) reveal that property values rose at an annual average of 1.3% between 2004 and 2007 but declined after that. During the first quarter of 2009, the prices of houses on sale in second-hand market dropped by 7% from the same period in 2008, while the fall in real terms was at 8.7%. The real estate prices in the capital city of Ljubljana collapsed by 8% in nominal terms and 9.6% in real terms, while the decline was 6.8% in nominal terms and 8.5% in real terms in the rest of the country during the first quarter of 2009. This had brought down property prices, which is not a negative point but a positive factor. You could buy properties at lower rates right now.

Investment Opportunities in Slovenian Properties

The biggest assets of Slovenia are its valleys blooming with vineyards, the breathtaking coastlines, the snowy peaks of Alps and the rolling hills, the numerous rivers, and beautiful waterfalls. These features had made Slovenia a major tourist attraction, with possibilities for rental properties thriving financially. At the same time, the slump in property values and the possibility of significant appreciation in this decade make this country a prime location for real estate investment.

After the setback of 2008, the Slovenian economy had been recovering at a faster rate than several other European and North American nations. A recent survey voted Slovenia among the top 10 countries offering best opportunities in real estate investment. According to the survey, the growth rate of property values in Slovenia are forecast to increase at an astonishing rate of 284% on an average, between 2010 and 2020. The annual rate of real estate price growth is estimated at 30% at present. As such, investment in real estate of Slovenia is considered as a long-term, safe and solid proposition.

Do you know that you would be able to buy a few hectares of prime land covered with vineyards and having a medium-sized 2-bedroom house for a low price of 80,000 euros or about 0,000? The interesting fact is that nearly 40% of Slovenia is having land covered with vineyards and it is a major wine producing nation. Even the properties in major cities of Slovenia, such as Ljubljana and Maribor cost only around 1,500 to 3,000 euros or ,800 to ,600 per square meter.

Procedures of Investment in Slovenia Real Estate

Apart from the several registered real estate operators in Slovenia, the local laws explicitly permit people from the United States and European Union to buy properties in Slovenia without any restriction. It would take about a month to complete all the formalities required to buy a property. With certain stipulations, you could also avail financing and mortgaging options but it is advisable to finance your purchases out of your own resources, if you want to maximize the returns on your investment.


It is obvious that a property investment in Slovenia is likely to be more profitable as a long-term venture when compared to the same amount being invested in the United States or other countries in the European Union, where the economic growth rate is still sluggish. The present growth of Slovenia promises better returns in this decade than any real estate investment in these countries. As such, it could be safely concluded that your investment in Slovenian real estate would prove to be more profitable than a similar investment in several other countries right now and much less riskier.

Tuesday, June 26, 2012

Traditional Ways To Forecast The Weather

Many traditional ways of forecasting the weather often seem dated and superstitious, but modern scientific and meteorological research has shown that traditional weather signs are actually more accurate than you might think. For example, many traditional weather signs focus on the behavior of animals, such as the flight patterns of birds. Well, scientists now know that since birds have hollow bones, they are very sensitive to atmospheric pressure, acting just like natural barometers. This article will explain how to use several traditional weather forecasting methods to tell when that big storm is going to blow in.
"Red sky at night, sailor's delight. Red sky at morning, sailors take warning." A red sunset is probably caused by dust particles suspended in the air, which signifies a dry tomorrow. If it were rainy, the dust particles have been knocked down to the ground. On the other hand, the sky is the red in the morning, then that same dry, dusty air is moving towards the east, away from you. Most likely, moist, cloudy air is blowing in the from the west and pushing the dry air away,
"If smoke goes high, no rain comes by; if smoke hangs low, watch out for a blow." If you can see the smoke from a fire going high up into the air, then there is no wind. The air is probably relatively stable and you do not have to worry about any inclement weather blowing in. However, if your smoke isn't rising very high, it may be due to low air pressure, which prevents the smoke from rising and is also a good indicator of inclement weather to come.
"When the dew is on the grass, rain will never come to pass; when grass is dry at morning light, look for rain before the night." Dew occurs because the moisture in the air condenses on the cool leaves and blade of grass, leaving a residue of moisture, which happens generally during nights where the sky is clear and there is lots of atmospheric pressure. However, if there is no dew, it is probably because the night was cloudy and the grass did not cool down enough for dew to form.
There are dozens, probably hundreds of these little tidbits of folk wisdom out there. While they seem at first glance to be based on pure superstition, it is surprising how many of these sayings are based on solid scientific fact. By learning them, understanding the meteorology behind them, and applying them, you too can develop the uncanny nose for the weather that veteran outdoors people often display.

Sunday, June 24, 2012

Champions Forever?

Muhammad Ali, Lance Armstrong and Chris Evert, were all champions that dominated their respective sports, but like all those before them they found that for one reason or another, no one stays champion forever. Yes the concept of being on top, even if only for a short while, is a dream for most individuals, who would revel in the celebrity it brings. Honor and fame would be theirs as fans would love and adore them. On top of the world, how great would that be? But being on top also has a negative side, as there are always those who desire to be champions too. The champ would indeed be wise, to know that someday one of them will get their wish. No one stays champion forever. The ex-champion life is often different than the previous one, being out of the limelight, deposed and on the verge of being forgotten. How the ex-champ fares in this latter life, depends on the understanding they had then and the preparation they made.

We Americans are the champions of the modern economic and financial world, being the many players for Team USA. We have collectively been on top for the last five decades, with the prosperity and arrogance to show. We don't say I am the greatest!, but we know that collectively, we really think we are. But would we be wise to prepare for the day, when we will be champions no more? Is it possible that our title could be taken from us or could we give it away, being overconfident, deceptive or very, very nice? Our currency is the world's reserve currency and everyone has and uses it, but, what would happen if that changed? What if we weren't financial champions anymore and had to enter the latter life. How would we fare? How would I, and how would you?

Would the inflation that accompanies a devalued dollar affect our nation, with the sharp rise in prices it brings? Goods and services Americans purchase monthly could double in price, hitting incomes hard, in a very short period of time. What if no one wanted the amount of dollars we have anymore, demanding that we pay additional or in someone else's money? Would this affect our national pride, crippling our incomes? What a change in the American champion life, with budgets busting at the seams! Fixed contractual obligations would still have to be paid, even after paying so much more for the most basic of needs. Suffering and default would ensue. How would our countrymen fare in this latter life, not being with the team on top anymore? What about me and what about you? How would we fare when we too could no longer play the game?

Rome, France and Great Britain were all on top at some time before. Their economies and currencies stalled for one reason or another, and each became champion no more. Could it happen to us? Yes, It happened to them. You see, no one stays champion, forever. History screams that it will happen somehow, someway, and discredits the arrogant response of defiance. Ignorance hasn't fared well either as a strategy to retain the coveted championship title. So we'd better come with something never seen in history before. We could repent as a nation, for our national sins, pleasing the great God who went before us in our fight to the top. But if we won't as a nation, then we better as individuals and prepare using Biblical principles.

Limit unnecessary fixed contractual obligations that lay claim on a future income. It may be diminished in power and prowess. It will be tough enough in the latter life, to lay and keep hold of the essentials. Why make it harder by making promises now, that you will wish you hadn't then? America can't always be on top, it's just against all the odds. Be prepared by being lean, living a simplified life and able to stand in the day of trial. Having imagined the fall and picked out a softer landing place, where you'll reside with wisdom until the calamities pass. Study the Bible and all of its financial instruction. Don't wait until too late, following others. Think about history and championship reigns. Then ask the hard questions and be truthful as you answer. What if ours was no longer the world's reserve currency? What will we do to stay on top? Will our nation repent, for its national sins invoking the help of the creator God? Or will we deny and ignore the warnings of times past? How will America fare when this all goes down? How will these things affect team USA? What about me, and how about you? Think my friend and then ask, Can anyone be champion forever?

Tony Gary

Saturday, June 23, 2012

Antoun Sehnaoui Listed On Michel Aoun's Hidden Agenda

Returning home to Beirut after a short business trip to Dubai, I realized that local journalists are still bickering through their articles about the latest shooting that took place in Sodeco's nightclub Maison Blanche (White House) on February 26, 2010. I also noticed, during my business lunches and several social outings, that the Lebanese community abroad in the UAE are just as confused and misinformed about the incident as the locals in Beirut were, due to the outrageous amount of rumors revolving around the social networks on the internet and the local newspapers.

The quarrel started when Antoun Sehnaoui, the CEO of a well established bank requested from Raymond Bechara, the owner of the club, Maison Blanche (White House) to ask a Mazen El Zein to leave the premise. Where as other versions of the incident assert that it was Mazen el-Zein who approached Raymond, demanding from Mr. Bechara, one of the partners of the nightclub not to permit Antoun Sehnaoui the entry to the White House and have him escorted outside.

Raymond Bechara refused by replying that he cannot expel nor kick out any of his guests for no valid reason. He explained his stance as he made it clear that having friends clubbing at Maison Blanche (White House Nightclub) is like hosting them at his home. Different sources including eye-witnesses and Sehanoui's media office confirmed that Mazen el-Zein had provoked Antoun Sehnaoui when he flicked him with his middle-finger in the club and in front of the public. Obviously, if this was the case, it is but normal for Sehnaoui, a well respected CEO and businessman to feel insulted and humiliated triggering a major confrontation between both ends and causing the tension to escalate. Only then and in the midst of this chaotic situation, Antoun's bodyguards felt the threat for their employer facing Mazen's disciples raging towards them, the fight turned into a shooting mishap. In a matter of seconds, according to eye witnesses, the situation erupted as the bodyguards fired their guns toward the ceiling in order to disperse the crowd and take control of the situation. The unfortunate outcome resulted in injuring Mazen el-Zein along with several other partygoers.
There are always two sides to any story, Mazen telling his version of the incident to the media, stating that Antoun knew he was going to be at the Masion Blanche (White House) that night, insisting that it was intentional and that he was personally targeted and attacked on purpose. The other side of the story coming from Antoun Sehnaoui's family and close friends argue that such an intelligent CEO and successful businessman was not raised to perform any criminal acts and had nothing to do with the shooting himself nor ordered his bodyguards to do so, such accusations have no grounds and are based on financial interests, taking advantage of Antoun's financial status. The rumors continue to escalate as some say Antoun Sehnaoui ordered his bodyguards to attack where others confirm that his men drew their guns first before Mazen's armed friends threatened to do so.
Both businessmen have a history of conflict as Mazen el-Zein previously worked for a finance company affiliated with Antoun's Bank and it is said that he had committed several violations including fraud against the company, which led to his departure from the company. The issue was taken up to court and solved in a civilized manner to Mazen's advantage.
The rumors revolving around the shooting has left everyone wondering why such an incident has gained so much attention and has become a political issue, led by Tayyar party and handled personally by General Michel Aoun against Sehnaoui, aiming at damaging his reputation and creating crisis for the Bank.
The highly educated CEO found himself in a situation not to be envied for. He travelled outside the country until the truth is revealed as his bodyguards have been called in by the court for questioning. Justice Minister Ibrahim Najjar said the case would be followed "with extreme severity without any intervention from any party."

Both men have had their share of attacks and negative stereotyping on especially on the Social Media networks such as Facebook, blogosphere and Twitter to name the least. Sadly, the Lebanese people are practicing a low standard of communication between each other, labeling each one of the rivals with indecent names, such as Mazen El Zein being a narcotics dealer and Antoun Sehnaoui a spoiled gangster, to name a few.
The case now has turned into a political one after General Michel Aoun chose to use it during his latest propaganda speech to rally the crowds against violence in Lebanon and the return of the "Militia Mentality" such as Antoun Sehnaoui, and unfortunately for the Lebanese public, not one solid story backed up by witnesses and the truth behind this incident has surfaced, yet everyone seems to keep on building up the matter with various shapes and forms.
Shouldn't we all take a step backwards, refrain from practicing the game of building more and more rumors and let the law handle this issue to unveil the truth and punish the guilty.

Friday, June 22, 2012

A Brief History Of Real Estate Development In Nassau County

Steeped in centuries of history, Nassau County plays a theatrical role as the gorgeous, homey hamlet set amongst the backdrop of hectic New York City. Nassau joins the adjacent Suffolk County, forming the majority of Long Island the contiguous United States' largest island. It perhaps has been the most important, with Nassau County properties occupying a prominent place in the New York landscape for centuries.

An original battleground for the intellectual battles between Loyalist and Patriot parties during the American Revolution, Nassau was once a starkly divided set of villages. Founded by Dutchmen nearly 400 years ago (named for William of Nassau, Prince of Oranje), Long Island lays claim as one of the first European metropolitan areas in North America. The Battle of Long Island took place along the eastern shore by far the largest battle between British and American forces. Weathered relics can be found all over the now-burgeoning city even Theodore Roosevelt's Sagamore Hill home is among the Long Island real estate. Now Sagamore is home to the Theodore Roosevelt Museum and the thrilling 23-room Victorian made of mahogany, cypress and black walnut is preserved as a National Historic Site.

Nassau County real estate isn't just amongst history often it is the history.

Growth As America's Ideal Suburb

Opened May 4, 1905, Belmont Park plays home to the Belmont Stakes the third and final leg of horse racing's Triple Crown. Legendary thoroughbred such as Secretariat, War Admiral, Man o' War and Seattle Slew have graced and wowed the New York crowds at the park.

During the 20th century, Nassau County homes for sale saw unprecedented growth as New York's boroughs became crowded. The 20s and 30s saw the sleepy farms transformed almost overnight into prototypical American suburbs. Tired of the matchbox living in the city, most migrants fled for the suburban niceties found only in Nassau County real estate's quaint surroundings. The communities of East Meadow, Wantagh, Massapequa and Franklin Square grew tremendously. These communities still feature large Italian, Jewish and Irish American populations.

Living Today

Nassau County properties offer some of the best living accommodations in the New York City area today. One of the richest areas in the nation, the median household income of ,579 is an exceedingly high number considering the population of 1,350,000. Additionally, the county's residents enjoy living in one of the safest spots in the United States. In 2005, Forbes ranked Nassau County as the safest region in the U.S., with the lowest crime rate.

Nassau County real estate is available at a wide range of price points and styles including: Victorians, condos, single living, and multiple family arrangements. With quick access to the overflowing amenities of Manhattan, Brooklyn and Queens, there's always something new to discover in the world's premier city.

Renowned for it's sophisticated culture within such a cluttered backdrop, the region has maintained it's quaint sensibilities despite increasing urbanization. Complete with a heart from yesteryear, expect Nassau County to continue into the new millennium as the prototype for integrating urbane living with the classical, northeasterner lifestyle.

Instant cash loans-Excellent cash aid for seekers

Looking for immediate monetary financial help? Don't have the option to get monetary aid? Then go for Instant Cash Loans. These loans are best way to avail financial help without any impediment of lengthy procedure. Emergency and urgent situation can arise can arise any time without any prior intimation. Thus in this situation you these loans can be a best option to go for.

Main features of instant cash loans-

These loans provide you immediate financial help ranging from 100 to 1500 for the period of 14 to 30 days. It can be utilized for fulfilling various needs like medical needs, school fee, car repair, house renovation, household bill, small party etc. These loans are available for all kind of borrowers whether they have good or bad history. There is no hurdle of poor credit record like insolvency, CCJ's, arrears, late payment etc. It is so because credit check is not involved in these loans. These loans are one of best solution to avail quick financial help.

Application procedure

The application procedure for these loans is very easy and simple. You are just required to fill an online application form with some details like name, address, loans amount, account number etc. the amount gets deposited in your account just within 24 hours of approval. Everything is done through online mode so there is no hassle of wandering here and there for financial help.

Who can apply for these loans?

In order to avail the cash help from these loans you have to fulfill certain conditions-

Borrower needs to be an adult.

Borrower must be a salaried one along with the regular monthly earning at least 1500.

Borrower should have citizenship of United Kingdom besides the same residential address for last 1 year.

Borrower must have a bank account in any reputed bank of UK; it should be 3 to 6 months old.

Borrower must have the capability of the repayment of the loan.


This financial plan is unsecured by nature so your are free from the impediment of placing your valuable property for collateral pledging. Rate of interest for these loans is slightly high so it is advised that you search for the lower rates on the internet. Since these loans provide you online service so you are free from the hassle of faxing your documents or go for extra paper work.

Tuesday, June 19, 2012

Fast Text Loans - Quick and Easy Method of Obtaining Advances

Anytime a person needs a loan, he cannot always rely on banks to provide him with financial assistance. This is especially so when one requires a small amount of money and the need is urgent. In this case, he can opt for a much simpler option that does not require him to go through any of the usual complicate procedures in getting loans. Fast text loans are the most easy to get advances. Anyone can apply for these at any time and get the money he need without delay.

Txt loans would help a borrower obtain 100 to 300 for a period of 7 days time. These are short-term loans by which one can take care of his immediate financial needs such as bills, small purchases and so on. They are fast because of the fact that one does not need to provide any documents for checking and hence, a loan is approved immediately. Besides, applying for such loans takes hardly any time at all. One simple has to send a text message and the needful is done.

Anyone who goes for 24/7 text loan should be ready to pay a substantial amount in interest. Also, he is expected to repay his loan on time. When a person applies, he can do so with no fear of his credit being checked. No matter how bad his credit rating is, he can still get such kinds of advances. He does not need to give any collateral and so the borrower does not risk any of his assets in the process. Since the loans provided are small, they can be repaid in no time at all.

Applying for text loans no credit check requires a borrower to be eligible in certain ways. For one, he should be a UK citizen of over 18 years of age. Then, he should have a bank account, an email address and a mobile phone. He should be employed as well. He can register his mobile number in order to get the loan he wants at any time.

A person needs to first find the lenders that he wants to deal with for fast text loans. Then, he should register his phone number with them and provide some details such as his name, age, address and so on. A verification email is in turn sent to the borrower with some important information. When this is done, he would be able to send a text to them, stating the amount that he wishes to borrow. Then, the amount is sent to him in minutes.

Monday, June 18, 2012

Persuasive Speeches - How To Structure A Persuasive Speech

Almost every influential person in society can speak persuasively. These leaders have the ability to get other people to act on their ideas. Lawyers, politicians, salespeople are all trained in the power of persuasion.

The purpose of a persuasive speech is to impact the thought or action of the audience. You either will be trying to convince the audience to change their viewpoints to be in line with your viewpoint or you'll be calling them to action.
You first explain your ideas. At the end of your presentation you will ask the audience to take a course of action. This may include buying a product, adopting a new diet, or voting for you.

The preparation of a persuasive speech like any other speech depends on the audience. Clearly, a speech for a hostile audience would be different than a speech prepared for an audience that generally agrees with your viewpoint.

More often than not, your listeners will not particularly care about your viewpoint. It is your duty to first grab their attention and to present your credibility in order to make the audience care about your viewpoint. If your audience does not know anything about your product or your political platform, it is impossible for them to care about it. Thus, you have to educate the audience before you convince them. Speakers almost always forget this step.
Your audience will already have their own biases, opinions and beliefs. You have to think of them as though they are all stubborn old men stuck in their ways. In order for you to influence their behavior and thoughts you are going to have to appeal to both their logic and their motion. You cannot tell someone what to think. If you try to impose your opinion by saying I am now going to prove this you will merely arouse stubbornness. You are better off stressing what you know the audience believes in first and then pose a question. You will then present evidence. Your goal is to have the audience form their own conclusions. It is similar to the modern sales approach. You always look for affirmative answers. For example, you would try and get six affirmations before you launch into the pitch.

To persuade an audience you will need to rely on evidence. You will have to research the facts, statistics and outside expert opinion that supports your viewpoint. It is rare that you will have the credibility to make statements without any reference to outside sources. Listeners want credibility. Unless they trust that the information is reputable, they will not change their minds.
You may be tempted to focus your speech to win over their logical minds. However, you must win over the audience's hearts and emotions as well. Facts and statistics are not enough. The two most powerful emotions are fear and greed. Now, more than ever, members of the audience are self-interested meaning that you need to appeal to their emotion. What is important to them? What do they fear? Job loss? Retirement savings? Poor health care? What do they desire either secretly or openly? To be rich? Fame? Recognition from their peers? It is your job to craft the speech that appeals to the self-interest of the audience.

As with any speech, you must first grab the audience's attention. In a persuasive speech, you'll often state a problem in the opening of your speech. For example, you might say predatory mortgages have ruined our neighborhood as vacant homes are being looted.

You must then relate the problem to the audience. Why is it important to the audience? Does the audience live in the neighborhood? Do they pay property taxes? Are their home prices being affected by the foreclosure crisis?
After you have explained the problem you then want to propose a solution. You will need to rely on facts, statistics and other supporting material from credible sources as part of your proposal. You can then use the two possible worlds approach. You describe two opposite worlds to compare and contrast two solutions. The first world is one where your proposal is rejected. You talk about how property prices in the neighborhood would fall. You could talk about how the foreclosed houses would not be maintained, the distracting blight as you drive by on the way to work in the morning. You could talk about how your taxes would have to increase to support the lost revenue from vacant homes.
You then want to talk about how the neighborhood will look if your solution is adopted. You would mention the increased safety because owners are more likely to look out for their neighbors' property. You would describe how the full tax base could enable further investments into local schools.

Finally, you have to urge your listeners to take a course of action. In the previous example, the course of action might be to vote for the passage of a new mortgage relief bill. Your audience now understands the problem, has been able to visualize the benefit of your solution and now clearly understands the course of action that you want them to take. You have appealed to their logic by way of supporting evidence and you have appealed to their emotion by showing how this problem is affecting their wealth, their safety and the enjoyment of their real estate.

Friday, June 15, 2012

Who Is Syed Haider Zafar?

PAKISTAN - Syed Haider Zafar, born and raised in Pakistan, by a well-known political family, has become one of the most influential people in his home country.

Zafar started his path to success by attending High School in the city of Bath, England, UK. He later went on to college at Rutgers, in Western New Brunswick, where he studied International Business. Unfortunately he was unable to graduate due to family issues. Shortly after college, Zafar began to focus on doing business in the Hip-Hop industry, against his parents' wishes. Zafar attempted to form a record label influenced by the streets of Miami. The goal was to help new artists become successful when they might not have had a chance otherwise. Derrick Johnson, aka Toro, was an artist that Zafar worked with closely. He had a promising career, but was fatally shot. Zafar thought very highly of him and even paid for the funeral. Zafar also had the pleasure of working with Jayceon Taylor, aka Game, rapper from the West Coast. Additionally, Syed Haider Zafar was fortunate enough to meet Rick Ross and ended up investing in his record label Slip N Slide'.

Zafar later befriended Ali Alex Adam who was very influential in the Hip-Hop industry. Ali Adam, aka Zoe, introduced Zafar to Hip-Hop in a big way. Their first project was called Life Line'. The new duo, Zoe and Zafar, went on to produce 7 songs with an artist named Bazil Knight (a long time friend of Zoe). Zafar involved himself in this project with a strong belief in his friend Zoe. The CD had a chance for a big record deal in New York. However, there was a lot of additional work to be completed. Unfortunately, it did not pan out due to the artist not embracing the passion needed to take him to the next level.

Zafar had great belief in his friend, Zoe; therefore he agreed to take on another project and assist the rapper, Toro, towards success. However, in the middle of the project, Zafar's mother unexpectedly passed away and he had to go home to assist family with her funeral arrangements. His mother was everything to him and Zavar was deeply saddened by her passing. After returning back to Miami, Zafar was having trouble keeping things going. However, his good friend Zoe was there to help. But, all too soon, Zafar could not escape his streak of bad luck. Three months later his Father also passed away. This was especially devastating because he wasn't sure where to go next. Somehow, with the support of his family and friends, Zafar was able to stand on his feet again. Anyone that knew Zafar, knew how close he was with his parents. After his Father passed away and he returned back to the states, he found out a very shocking truth about his best friend Ali Adam aka Zoe. Zoe was arrested on the West Coast for criminal activity, which Zafar was completely uninformed about. Zoe had kept a great deal of information from him. Zafar had only maintained a relationship with him in the Hip-Hop world. The feds tried to question Zafar but luckily all of the cases with Ali Adam were from 1994-1999. Zafar had met Zoe in 2001 and had no idea about his past. Federal officers approached Zafar in the company of Mrs. Zafar's lawyers. They had four hours of interviewing with questions about Ali Adam. Zafar informed them on the truth about the Hip-Hop business.

Zafar came from a third world country and grew up watching MTV. He realized that he had a good chance to be successful in the Hip-Hop industry when he found himself interacting with the same people he grew up watching on TV. But as it turned out, Hip-Hop was not for Zafar. He did not understand the business and ended up losing a lot of money. However, he still has a great deal of respect for the industry and all of the entertainers.

After a long run in the Hip-Hop industry, Zafar made a difficult decision to return home. Even though his parents were no longer with him, he felt that he must take care of his family. Zafar quickly moved onto a new venture. His family was in the clothing business for over 35 years, so he decided to go back to his roots and take over their clothing business, which employs over 1400 people. The company does business with many high-end customers. They work with clients such as Tommy Hilfiger, Ralph Lauren, Nike and Abercrombie & Fitch, etc. The business is thriving!

Today, Zafar has investments in real estate and restaurants all over the world. His achievements include:

*Meeting Kofi Annan, as well as Bill & Hillary Clinton

*A contract in Pakistan with the Atkins Group to construct the only 7 Star Hotel in 2006

*Deals with oil refineries around the Middle East

*Multiple investments with ICAP, a Fortune 500 company (He was so impressed with them, that he plans on starting a business with a similar business model in Dubai, with a Royal Family)

*4-5 contracts with the Government of Pakistan, valued at 0-400 million

Syed Haider Zafar has a true passion for the finer things and it certainly shows in every avenue of his life. He has owned every high-end brand of car on the planet and has a rare collection of the finest watches. It is said that the Zafar family owns enough land in Pakistan to ride a horse from sunrise to sunset and the land doesn't finish'.

Zafar prides himself on the way he was brought up and how he conducts his business, with honesty and integrity. He makes it a point to build solid relationships with good people. He has a family that he absolutely adores. He spends a great deal of time making sure they are well taken care of. Zafar is one in a million and is continuing to take the business world by storm!

Be sure to check out the article about Louis Vuitton coming out with luggage with Zafar's initials on them.

Wednesday, June 13, 2012

Know The Work Environment Of A Real Estate Agent

Any such person usually has extraordinary skills in researching various properties of the region, making an analysis of the properties and then bringing in together the right kind of buyers and sellers. The work of any Calgary realtor involves hours of research, training and continuous education to stay updated about the property market in Calgary.

The work environment of any Calgary realtor may not always be comfortable and luxurious. A realtor might not spend his office hours in the comforts of his office, but he might be moving from one location to another, attending seminars, workshops and open houses to know more about properties. He might hardly get to spend time in his office and work in a relaxed manner. An agent might often be required to work beyond the standard forty hours a week and work full time during weekends and evenings too to meet the various commitments towards the clients. He usually does not have any fixed working hours and the working hours might really be long and very irregular. A realtor has full freedom to determine his own working schedule as per his needs. It has been observed that agents do not even get the luxury of a Sunday when there is too much of work load.

The recent advancement in telecommunication and the use of internet in property dealing has helped many realtors to work from the comforts of their homes. They can now use internet to get in touch with their previous and prospective clients, have their own websites and store all relevant data in their own office. If any realtor wishes he can make his own home his office and work as per his own schedule. This reduces external hassles related to communication and traveling and makes him have a work environment as per his own liking.

Getting the Best Deal From a Bankruptcy Attorney

One of the most difficult decisions is to file for insolvency. This might be because it is normally accompanied by expenses that include a bankruptcy attorney among others. A bankruptcy attorney is necessary when it comes to insolvency law. This is because the legal issues involved are a bit complicated and you will need a bankruptcy attorney to clarify all the procedures and legal issues involved for you. The attorney will also advise you on the best way forward. Insolvency is defined as the legal state of being unable to repay your debts.

Bankruptcy attorneys are quite expensive especially if you are looking to secure the services of a very experienced one who is famous and can deliver for you. Given the fact that you have just declared bankruptcy, a very expensive attorney will probably be the last thing on your mind. So how do you go about securing the services of a good lawyer or attorney who will give you the best representation without charging exorbitant fees? There are certain tips that you can use to ensure that you get the best deal from your bankruptcy attorney.

The fee that your attorney will charge you will vary greatly, depending on the situation that you are in. Every insolvency situation and case is different in its own way. Some of the tips used to get the best deal from your attorney include:

Understanding that you are vulnerable: Many people who file for bankruptcy end up panicking and will rush to get an attorney who is neither well qualified nor experienced. This is the biggest mistake that one can make. Dubious bankruptcy attorneys are always looking to exploit such situations and they will be the first to offer their services with the intention of exploiting you. Always take time and research well so that you can get the best attorney. Negotiate on the price that is quoted.

Contacting more than one attorney: It is very important to contact more than one attorney and get them to quote a fee for their services. You can then compare the quotes amongst themselves and compare all of the quoted prices you obtained with the prevailing market rate for such services. This will give you an idea of the kind of money that you should use. This is a very important fact and should be practiced if you want the best deal possible.

Research: The research aspect is very crucial in securing the services of a lawyer who will give you the best deal. Bankruptcy is quite common and this has resulted in the emergence of dubious and non-qualified bankruptcy attorneys. Research will help you distinguish the good and qualified attorneys from the bad and non-qualified ones.

Analyzing the law firm: The law firm that the lawyer works for should also be analyzed. If the attorney comes from a law firm that is prestigious, then you should be prepared to pay a higher fee so as to secure his/her services.

You should also insist that once the bankruptcy attorney has quoted a certain fee for his services, he should ensure that the fee does not change regardless of whether he/she will be required to put in extra work than that he/she had earlier anticipated. Spending money on your behalf should have written consent from you showing that you have approved the items. Many lawyers will demand an extra fee once they have begun the work and have gathered all the information. They do this because they assume that they are indispensable. An agreement should be made on the fee and should be in written form so that future problems can be avoided. These tips will help you get the best deal when looking for a bankruptcy attorney.

The Orange County Bankruptcy Attorney will definitely help those people if they have filed for bankruptcy so that, the common people do not get over burdened with the debt which will be impossible for them to pay back. Click here for Orange County Bankruptcy lawyer

If you are looking for the best person to advise you on business liquidity issues and insolvency, the best person to do so is a business bankruptcy attorney.Visit for more details.

Tuesday, June 12, 2012

Home Loans With Bad Credit Are Possible, And Can Be Pre-approved

There can be little doubt that purchasing a home is the biggest transaction a person is likely to ever complete. By extension, a home loan is the biggest debt that a person will find themselves in. With hundreds of thousands of dollars in the equation, getting a lender to approve a home loan with bad credit is surely impossible.

But, the chances of getting just such a home loan are not as impossible as it might seem. In fact, it is even possible to get pre-approved home loans, despite bad credit. Once the criteria for such loans is satisfied, the ability to get any loan exists.

With regards bad credit, lenders recognize a difference between bad credit due to a sudden change in financial circumstance, and bad credit due to irresponsible financial habits. For that reason, bad credit is not always seen as so bad, resulting in bad credit home loans getting pre-approved.

What is a Pre-Approved Loan?

In essence, a pre-approved loan is where an application has been made and approved, but the funds are released until necessary. This system is most used by house hunters who are seeking to buy a new home. A home loan with bad credit can take quite some time to be approved, and time is of the essence when hunting for property.

The fact is that when a house is found, a bid cannot be made until the house hunters know how much they can offer. By the time they have applied and learned their fate, the house could be taken by someone else.

Getting pre-approved home loans, despite bad credit, is the only way around the issue as it allows the hunters to make a bid immediately. The money may not be in their account, but they know what they can get. So, with bad credit home loans getting pre-approved the dream home will not be lost due to any delay.

Getting a Pre-Approved Loan

The process of getting a pre-approved loan is not really any different from getting any other loan. A bad credit home loan will require some strict criteria, with proof of employment, proof of income and an active bank account from which repayments can be drawn, all required.

In order to secure a pre-approved home loan, despite bad credit, an applicant needs to simply go through the normal applications procedure, gain approval and be issued with a document by a lender stating an agreed sum will be issued to the borrower.

Of course, if no house is purchased, then no money is issued to the borrower, but with bad credit home loans, getting pre-approved means the borrower has the confidence to make an offer for the property.

Patience is Necessary

It is worth noting that getting a home loan with bad credit requires more that just a 24-hour call back. Some lenders will only issue an approval after 90 days, during which time the lenders search the credit and banking history of the applicant in great detail.

This is because in assessing the wisdom of granting a pre-approved home loan, despite bad credit, the lender is basically ignoring the credit score and concentrating on the financial habits of the applicant.

With the process taking such a long period of time, there is little chance of purchasing a home unless the pre-approval has been secured. When attaining a bad credit home loan, getting pre-approved is essential if it is not to be a wasted effort.

And of course, a home loan with bad credit is a major financial commitment, so getting it right the first time is important.

Sunday, June 10, 2012

Important Facts About Becoming a Qualified Dump Truck Driver!

Becoming a qualified dump truck driver opens up a range of new possibilities and job opportunities. Obtaining the essential education and on-the-job skills training to safely operate a new or used dump truck will have gained a sense of confidence and should experience greater success in the dump truck industry than an unqualified driver.

It is also important to note that possessing a normal driver's license does not automatically qualify a person to operate a dump truck. Heavy machinery handled by unqualified personnel can cause serious or even fatal injuries to the operator and co-workers; this is exactly why precautionary training courses must be completed before a person can have the necessary qualifications to drive this heavy-duty vehicle.

Training Programs

There are hundreds of schools across the United States that provide the necessary training to operate a dump truck. Successful students will receive a Commercial Driver's License (CDL) once they have completed the program and passed, all necessary tests. Specific CDL's are issued for different types of vehicles, which means that holding a CDL for one type of truck does not automatically qualify the driver to operate another type of heavy-duty vehicle.

These programs involve hands-on training, where applicants are taught how to: properly operate the vehicle; loading and unloading of the truck; comprehensive safety instructions; and general maintenance information.


Not surprisingly, learning about safety is the most important part of becoming a qualified dump truck driver. Vehicles that carry heavy loads are harder to steer on the road and have the potential to cause more injuries and property damage to other vehicles if there is a collision. Under circumstances involving adverse weather conditions or slippery road surfaces, a driver's job becomes even more difficult.

Used dump trucks must be thoroughly inspected before being put on the road. Trainees must also learn to exercise extreme caution not only for their own safety, but also to ensure the safety of co-workers while on the job site. Securing cargo using chains or ropes is also part of the necessary precautions, as is the method of loading of the truck. This may involve using forklifts or even manual loading, both of which require specific training.

Load Supervision

In addition to safety, students are taught: how to examine an incoming load; how to calculate the volume and weight of the cargo; and various methods for handling the many different types of material that could be carried. Ensuring that a vehicle is safe to use before putting it into operation is the responsibility of the driver; therefore, most schools include courses about vehicle examination and maintenance, tire replacement, cleaning, and emergency repairs in case of a breakdown while on the road.

It is important to note that there are many different kinds of dump trucks, such as trailers, semi-trailers, off-road, side dump and articulated models, all of which have slightly different operating procedures. There are many truck driving schools across the country from which aspiring drivers can choose to be able to meet all of the essential qualifications required to obtain a CDL for the operation of a specific dump truck. These are the important facts to know how to become a dump truck driver!

Thursday, June 7, 2012

Difference Between A Wallet And Billfold- Review

Wallet is usually made of leather. It is a tiny, flat and pocket sized folding case used to carry credit cards, debit cards, photographs, driver's license, paper money, and the like. The most important quality of the wallet is that it contains a number of compartments of different sizes and sometimes with a zipper closure or snap. On the other hand, a billfold is a type of wallet that folds over. Billfold is also made of leather and you can find a clip in the middle to take care of the bills. Both billfold and wallet have the same use as they serve to carry all your important documents. That means both these terms offer the same function. The only difference between these two is that the term billfold which is the short form of bill folder is used by the people long after the term wallet was introduced. So you actually clip the bill then fold it in half. Even though the fact that these two address the same needs, they are used as the synonyms for each other. And that is why it is called a billfold. It is so simple in design.

You can prefer wallet or bill fold according to your needs. If you have a number of cards or other important documents to be carried every day, you should buy a wallet that can accommodate all of them. Billfold helps you to hold or carry all your essential documents in it without damage or wrinkling them. Many among us are in the habit of carrying so many important receipts, cards, bank papers, bills, etc. This habit leads the wallet or billfold manufacturers to change its shape and functionality. As a result the modern wallet can accommodate all your valuable personal documents without messing together. In the olden days, wallets were seen as small bags made of leather or cloth that can be used to hold all the stuffs in them securely when going for a trip. Now the design has changed but the purposes for both of them remain the same. Thus you cannot find out any major differences to distinguish between them. These days, electronic wallets are offered in the market that can detect its right owner and no others can use it. Such wallets prevent pick pocketing.

Tuesday, June 5, 2012

Same day loans-Solve small fiscal problems instantly

Do you need instant additional money? If you find your payday as inadequate to meet your financial desires, here are same day loans for you. This is the feasible and hassle free financial deal that cover your unwanted fiscal crunches right within least possible time. If there is time when you are facing financial crisis between two of your consecutive paydays, the assistance of this loan could be beneficial and appropriate fiscal aid for you.

One can approve with the application of same day loans after meeting the mentioned below lending criteria, such as:

1. The applicant should be a permanent citizen of UK
2. He should have an active checking account not more than 3 months old.
3. He should be in regular employment earning at least 1000 per month
4. Applicant should be an adult with eighteen years or more.
5. Also, a full time or part time employment is necessary.

Same day loans are short term loan aid that is temporary in nature and free form collateral demand. Thus, one can avail the assistance of this loan aid without undergoing any collateral assessment mess and related extensive paper work to fax. Loan money that the borrowers can avail can be ranges from 100 to 1500. It depends upon your monthly income and can be repaid back when you receive your upcoming payday in account. One can remove the financial stress after meeting his dire needs and desires like going for small vacations, purchase a television for your home, paying off grocery bills, meeting small medical care costs and so on. It also offers loans for unemployed.

If you are affected with several bad factors like insolvency, foreclosures, bankruptcy, skipped payments, arrears, defaults and so on, you are welcome to get the aid of same day loans. This loan does not follow credit checking process and allow all the applicants to enjoy this fiscal aid with ease. Thus, there will be no credit issues and borrower with any type of credit scores can apply with this loan aid.

Internet helps to grab the deal with affordable rates. Online financial market is awash with lenders offering the loan deal. Comparisons between quotes and negotiating with the lender are helpful in grabbing the reasonable deal. Also, application just involved filling a single online application form with few required details. Loan money will transfer in your checking account once you are approved. The assistance of this loan let you access the desired money within the matter of few clicks.

Ways To Get Out of Payday Loan Debt Fast

Though payday loans or money advances could be a terrific resource for brief term money, all too often buyers get trapped inside a cycle of debt usually known as "payday loan hell." Buyers often don't know the way to get out of payday loan debt and feel confused, scared and embarrassed by the circumstance. Nonetheless, you'll find solutions for buyers caught within the cycle of debt that is certainly all to popular with payday loans and money advances.

The Payday Loan Issue

Payday Loans are intended to become utilized each and every as soon as in an although, when a brief term cash require arises. Nonetheless, a lot of folks find that they get "trapped" by payday loan debt. If they're not ready to pay one when due, they may possibly take other people out to help them get by. Ahead of extended, shoppers can get upside down with their payday loans, with interest alone taking half of their paycheck or extra.

How to Get Out of Payday Loan Debt

There are numerous possibilities for the customer who feels trapped and wants to obtain out of payday loan debt:

Borrow income from family and friends and pay them all off. Use a web-based service to structure these loans as reduced interest loans. This solution isn't constantly accessible to consumers and generally embarrassment prevents them from taking this step.

Do not pay the loans back. This is not a wise move, as payday loan corporations and their collectors may perhaps harass you for years to come. Additionally, several from the companies sell their debt to collection agencies that report you for the credit bureaus. This negative reporting could remain on your report for up to 7 years.
Payday Loan Debt Settlement is another selection for customers. In case you seek out a trustworthy organization, they're able to provide you with help in finding out of payday loan debt. They may operate with you to setup an inexpensive monthly payment, lower collection harassment and get your loans paid off in as little as 6 months. The length of time it requires to pay off the loans plus the amount of one's monthly payment will rely on the amount of the payday loan debt and your monthly disposable revenue.
Bankruptcy may possibly be an option as well, but the vital fact is that bankruptcy will remain on your credit for ten years. Buyers looking at this solution are advised to consult a lawyer.

Payday Loan Debt Settlement

Increasingly, shoppers trapped by payday debt are turning to Payday Loan Debt Settlement or Payday Debt Consolidation applications. With these programs, buyers make an economical monthly payment into an unique savings account in their name.

As income accumulates in this account, a respected payday loan debt settlement provider will use their within know-how of how payday loan corporations and their collection agencies function to negotiate a settlement in your behalf. The advantage of these payday loan debt applications is the fact that you stop paying 300% or additional in interest for the payday loan companies immediately and get started taking manage of one's finances. Most organizations will operate out a program that can get you out of payday loan debt in 6 to 12 months time.

Saturday, June 2, 2012

Why I might consider leasing my company website?

I recently found an article on WikiPedia that suggested numerous benefits to renting your website. It briefly touched on these, but in my mind didn't really go into half as much detail as I would have liked. As the technical development manager of DriveMySite (a company that specialises in web rentals) I knew I couldn't walk away without adding my own two cents, simply because this is a subject I have had some experience with and felt I could at least contribtute some honest opinions to anyone out there considering a move in this direction. Before going any further I should mention that objectivity was a challenge for me as I have some natural biases of my own but hopefully the reader can take from my remarks some genuine benefits of web leasing.

There are several reason why a company might consider leasing or renting a website instead of buying.

Leasing often needs only a small monthly fee instead of a large fee upfront when buying. Startups looking to make a impact on the marketing opportunities of the web understand that a full blown design treatment along with all of the issues of upkeep and SEO on a shoe string budget just isn't realistic. I've seen some bad decisions made in this area because some companies either didn't have all of the available options at hand or didn't really know what they wanted in the first place.

New small business owners can benefit by saving capital.

This is a primary issue for new startups that need a buffer to protect them against a lot of often unforseeable business expenses. I worked for a company that had a client that spent 14,000 for a well designed website without any good SEO. In effect they ran out of the money they should have used to improve their page rankings and were left with a fantastic looking site with no one to see it. Clients don't always understand this and suppliers in my opinion should inform their clients of this.

If a website is only needed for a short amount of time.

This has often been the case for companies I have worked with that need to run mini campaigns or 'sell by date' type brochure sites. In these cases quick turnaround is the key and having a pre-designed template that can be leased for the duration of the campaign makes good sense. After all why spend all that money if you only need the site around for a few months.

If one is unsure their business needs a website leasing is a way to test without paying for a full price site.

This is great for those 'proof of concept' or 'market testing' scenarios in which you want to test the waters without breaking the bank. I spoke with a colleague today about a business idea he had. He had already invested some money to get a developer to build a database, purchase the domain name and setup hosting. After speaking to him about his idea it was clear to me that what he really needed was a place to showcase his ideas, generate a social networking group to field test this and go from there before spending any more time and money on the idea.

The owner is responsible for the technical aspects and upkeep of the site.

I was recently sat in a meeting with a client that wanted a awesome looking website and told me that he wanted it to be high up on the rankings in Google. He was uncomfortable with my explanation that to do this organically he would need to invest some time to keep the content updated. After talking this through with him I learned that they used a very clunky FTP based method of updating content. It was time consuming and prone to breaking their existing pages which to some degree explained some his reluctance in relation to keeping his site updated. I was able to explain that a good Content Management System can take care of this without the worry of breaking a page. The more reputable site leasing companies provide these. At we provide our customers with Umbraco an open source CMS that has recently been endorsed by Microsoft but more importantly has been used by many of the clients I have with worked with and to good effect.

Changes and updates are often included in the monthly fee.

This has to be one of the best benefits of leasing. Like leasing a TV or a Car you pass it back and get a newer model without the hassle of selling it first and losing money in between. A lot of clients I have worked with would often come to me asking for a feature or technology they had seen on a competitors site but because the technology itself had been superceded, it wouldn't be possible with a complete rewrite of the site and its underlying technology.

There are also tax benefits of leasing a website.

This goes without saying. Although most CEO's will completely endorse and understand the benefits of leasing when dealing with tangible assets many still don't consider digital assets in the same way. Changing the mindset of the Managing Director is often the biggest challenge here.

Some companies that offer a website leasing or rental service also give the option for the user to buy the full rights to the site either after a certain amount of time (leasing) or at any time (rental).

This is a real win/win if the website leasing company are prepared to do this as it gives the customer the assurance that the site they have been renting for the duration of the lease already has a proven ROI.

Website leasing and rental companies may also offer Search engine optimization services as part of the leasing or rental package.

This is almost an expectation these days. To me it would be like going into a car showroom and having a salesman show me a car without wheels. SEO enabling technologies need to be baked into the content management system in order to be able to compete in this area. Umbraco takes care of most of this for us, i.e. it allows good naming conventions of URLs, provides Sitemaps for your robots file and allows custom html injection of meta data on a page by page basis.

In summary, leasing your website should be as viable an option to your company as leasing any other asset. If the figures stack up and the SEO investment is their then you could do a lot worse with a lot more money at stake. On the other hand if you make a poor choice with website rental you can always pull out early with the minimal loss.

George Robinson is the technical development manager of a web company that provides a low cost way to get a SEO powered website up and running quickly and without the stress.

Bankruptcy: A New Bipolar Symptom?

Imagine going out one day and buying 50 hats, or shopping for a baby or a pet that you don't have. Maybe you decide to buy a couple new cars and just go to the bank, get the money and do it. Or, you might just go to the mall and have a day long shopping spree buying whatever you'd like, regardless of the cost.

Sound like someone who has more money than they have sense? Or maybe they won the lottery and don't know how to properly invest their winnings. Try again. People in the manic phase of Bipolar Disorder often spend money in foolhardy, irresponsible ways such as those above. While not listed as a Bipolar symptom, overspending may be one of the more disturbing results of the disease in that it may force the patient into bankruptcy.

Uncontrolled spending sprees usually occur in the manic or hypomanic phase of Bipolar disorder. It is during these times that the patients have an unreasonably positive view of their life and their circumstances. Another Bipolar symptom common in these manic phases is an overconfidence which makes the patient more likely to take financial risks that don't make any sense. While not as common as manic spending, some patients experiencing a depressive phase will also spend money hoping to comfort themselves or trying to draw themselves out of their depression.

With today's culture that gives access to quick money and easy spending, it is not hard for Bipolar patients to spend themselves into financial trouble. First, we as Americans receive credit card applications in the mail nearly every day. There are also business that specialize in paycheck loans for quick cash.

If you take a pay stub to these businesses, they advance you the money of your next paycheck, with of course, a hefty interest charge in tow. Once Bipolars have money, they don't even have to leave their homes to spend it. Television shopping shows may actually encourage Bipolars to spend their money. With the Internet, Bipolars can buy anything from clothes to home decor without even having to leave the house. With the ease of spending in today's society, patients with the Bipolar symptom of overspending find it easy to borrow and spend money.

While patients in the manic phase often find themselves out of control, especially when it comes to the Bipolar symptom of spending there are some ways to curb this impulsive spending. First, cut up the credit cards. You may want to look into the option of using debit cards, or if you feel you must have a credit card, request only a small credit limit.

For those with severe overspending problems, it might be helpful to consider letting a trusted friend or relative have a durable power of attorney. This will require that someone else approve purchases, and co-sign on loans or credit card applications.

If you or someone you know suffers from the Bipolar symptom of overspending, there is help. Even in our society which is geared toward spending money, you can help yourself stay out of bankruptcy.