Bad Credit Car Loans – Buy Car Without Financial Worries

A borrower with bad credit tag usually has to go through lots of hurdles from the lenders as such borrowers have risks. Some of them may even be refused a loan. so when such people want to buy a car with a bad credit they face impediments. The remedy however lays in applying for bad credit car loans that are made especially to people having a damaged credit history. All people who have in their names late payments, payment defaults, arrears or cases of county court judgments can find car loans with ease on meeting some conditions.

To cut risks the lender in offering car loans to bad credit people first of all want a security from the borrower. Home or any valued property or the very car you are buying can be pledged as collateral. Secondly the lender will take a good look at your present financial position. Your income and employment record with bank statements are looked thoroughly to ensure that you have adequate repaying ability. Secured Bad Credit Car Loans are of comparatively lower interest rate. Also you can borrow greater amount depending on value of collateral.

Unsecured bad credit loans are also available without collateral to the borrowers who do not own a property or do not want to risk it. But interest rate goes higher for such borrowers. The loan gives smaller amount. But secured or unsecured bad credit car loans are of shorter repayment duration ranging up to 5-7 years.

You are required to make down payment to the lender so that the lender is assured of your serious intentions of repaying the loan in time. Usually the practice is that you should be making 20 % of the car value as down payment. Before applying for the loan check your credit report for any errors in it and know your credit score to find a suitable loan as per your circumstances. For fast and cost free processing of the loan apply to an online lender after comparing many of them.

100% Remortgage – Use Home for Huge Borrowings

If you are paying high amounts each month towards existing mortgage and it is putting pressure on your finances then better opt for remortgage. A remortgage is meant for lowering your monthly outgoings so that you not only save money but repay the remortgage with ease. But at the same time you would like to borrow as much money as possible through remortgage but not each one is suited for it. it is only 100% remortgage that allows you borrowing an amount that is equal to full value of your home.

Thus 100% Remortgage is source of maximum borrowings against your home as it helps up freeing cash in your home. Know that your current home value in the market may have got a boost recently that will give you a huger amount. Such a larger amount as 100% remortgage can be put to variety of uses like renovating home; buying a new car, enjoying a holiday tour, throwing a lavish wedding party or the amount can be used for debt consolidation.

While taking 100% remortgage note that your aim is not just to borrow greater amount as per your home value but you should also search for a lower rate remortgage. Lower rate remortgage ensures that your monthly payments towards the loan installments get reduced substantially so that you repay the remortgage without delay and smoothly. So better take rate quotes of different lenders providing 100% remortgage and compare them thoroughly for finding a suitable deal for your circumstances.

Since you take 100% remortgage against you’re the same home the lenders have little risks. And so even bad credit people with various credit problems like late payments, arrears, payment defaults and CCJs are also given the remortgage. But clear the remortgage repayments in time to avoid debts and this way your credit score also will improve.

Forex Day Trading – the Illusion That Will See you Lose

Forex day trading is popular and there are numerous Forex day trading systems sold on the net - but you need to be aware of one illusion, if you buy a system or back test it yourself. This relates to “curve fitting” - If you don’t know what curve fitting is read on.

If you are going to trade any forex trading system you will normally test it on back data first and this is where you have to be very careful. Many “traders curve” fit – either deliberately or without thinking of the consequences.

The Illusion of Curve Fitting

“Curve fitting” involves tweaking the system to fit the data. A common occurrence is for forex traders to find their system doesn’t work first time around, so they create rules and parameters to make it work.

This was once likened by a trader I knew, to shooting at a barn door with a shotgun and then drawing a bull-eye around every shot AFTERWARDS to make each shot perfect.

Of course, no data sample EXACTLY replicates itself going forward and in real time trading the system collapses. To spot a “curve fitted” forex day trading is easy, look for lots of rules and parameters and unique ones used in certain instances.

The Worst Form of Curve Fitting

Many vendors who sell systems don’t even bother trying to curve fit.

They simply make up a track record and put simulated or hypothetical on the disclaimer!

This is done by lots of vendors, who are simply assuming the buyer will believe the simulated track record WITHOUT questioning it and by putting the disclaimer they can say what they want and as they are back testing and know the closing prices its easy to make a profit.

Clues to these forex day trading systems are marketing copy which says the following or similar – “picking tops in advance”, “earn a regular income”, “make x pips a day” and track records with extraordinary performance with no drawdown – all for a few hundred bucks!

These forex day trading track records should not be trusted and you should ask yourself:

If these systems are so good why are they being sold as the vendor could make so much money why bother me for a few hundred bucks?

Well now you know the answer.

The fact is you should only buy a track record in day trading if its real time and shown over two years and you won’t find one – Why?

Because forex day trading doesn’t work.

Why?

Because all short term volatility is random and you cannot get the odds on your side.

There are millions of forex traders trading trillions of dollars in equity daily and to say you can tell which way a market will go in a few hours is laughable.

If you don’t believe me look at the track records ( you will never find a real one) there all done in simulation and hindsight and anyone can make a profit doing that – problem is we have to trade in the real world and that means not knowing the closing prices!

The Appeal and the Reality

Day trading systems appeal to greedy novice or naive investors as it looks an easy way to make money but of course trading is not so simple – keep in mind 95% of traders lose and in forex day trading you can increase this number to 100%.

The logic is wrong and these systems will lose - the fact you cannot ever find a forex day trading system with a real time track record over the longer term proves the point.

If you want to trust a simulated track record and base your forex trading strategy on it, go ahead - but chances are in one form or another it’s been “curve fitted” and that makes it odds on to lose.

Forex Day Trading – the Illusion That Will See you Lose

Forex day trading is popular and there are numerous Forex day trading systems sold on the net - but you need to be aware of one illusion, if you buy a system or back test it yourself. This relates to “curve fitting” - If you don’t know what curve fitting is read on.

If you are going to trade any forex trading system you will normally test it on back data first and this is where you have to be very careful. Many “traders curve” fit – either deliberately or without thinking of the consequences.

The Illusion of Curve Fitting

“Curve fitting” involves tweaking the system to fit the data. A common occurrence is for forex traders to find their system doesn’t work first time around, so they create rules and parameters to make it work.

This was once likened by a trader I knew, to shooting at a barn door with a shotgun and then drawing a bull-eye around every shot AFTERWARDS to make each shot perfect.

Of course, no data sample EXACTLY replicates itself going forward and in real time trading the system collapses. To spot a “curve fitted” forex day trading is easy, look for lots of rules and parameters and unique ones used in certain instances.

The Worst Form of Curve Fitting

Many vendors who sell systems don’t even bother trying to curve fit.

They simply make up a track record and put simulated or hypothetical on the disclaimer!

This is done by lots of vendors, who are simply assuming the buyer will believe the simulated track record WITHOUT questioning it and by putting the disclaimer they can say what they want and as they are back testing and know the closing prices its easy to make a profit.

Clues to these forex day trading systems are marketing copy which says the following or similar – “picking tops in advance”, “earn a regular income”, “make x pips a day” and track records with extraordinary performance with no drawdown – all for a few hundred bucks!

These forex day trading track records should not be trusted and you should ask yourself:

If these systems are so good why are they being sold as the vendor could make so much money why bother me for a few hundred bucks?

Well now you know the answer.

The fact is you should only buy a track record in day trading if its real time and shown over two years and you won’t find one – Why?

Because forex day trading doesn’t work.

Why?

Because all short term volatility is random and you cannot get the odds on your side.

There are millions of forex traders trading trillions of dollars in equity daily and to say you can tell which way a market will go in a few hours is laughable.

If you don’t believe me look at the track records ( you will never find a real one) there all done in simulation and hindsight and anyone can make a profit doing that – problem is we have to trade in the real world and that means not knowing the closing prices!

The Appeal and the Reality

Day trading systems appeal to greedy novice or naive investors as it looks an easy way to make money but of course trading is not so simple – keep in mind 95% of traders lose and in forex day trading you can increase this number to 100%.

The logic is wrong and these systems will lose - the fact you cannot ever find a forex day trading system with a real time track record over the longer term proves the point.

If you want to trust a simulated track record and base your forex trading strategy on it, go ahead - but chances are in one form or another it’s been “curve fitted” and that makes it odds on to lose.

Two Big Austin Real Estate Purchases at Bull Creek

Austin based Ardent Residential and Atlanta-based Post Properties have purchased almost five acres of land in a highly desirable area for redevelopment. The two companies, working in partnership, bought up Kingswood Apartments and Bull Creek Townhomes. Bull Creek Townhomes at 4320 Bull Creek Road is a 140-unit residential community. Kingswood Apartments is a 32-unit community situated at 4318 Bull Creek Rd. The two buildings were purchased in two separate deals, apparently as part of a plan to scrape and rebuild.

The new Alexan City Lights apartment complex, a Class-A complex of homes, has been purchased by Los Angeles-based SCI Real Estate Investments LLC. The building was completed only last year by Trammell Crow Residential and Opus West Corp. According to Travis County tax records, the property at 501 East Stassney Lane has a value of $33 million. At the time of the deal, Alexan City Lights was 96% leased. According to reports, the sale was brokered by Apartment Realty Advisors.

Alexan City Lights received a great deal of press last year, when it was built near Congress Avenue in South Austin. This upscale apartment development has many amazing amenities, including remote-controlled limited entry, paved entrance, a coffee bar, a high-tech fitness center that is open 24 hours, a business in conference and center that boasts computers copiers and faxes, a resort style pool, a veranda area, a built in barbecue, and outdoor fireplace, a carport, and an attached parking garage. All common areas of the building include wireless Internet access, and most resident entries have ceramic tile. Most residences include side-by-side refrigerators, built in microwave ovens, gourmet island kitchens, designer cabinets and countertops, faux hardwood floors, vaulted ceilings, crown moldings, large closets, ceiling fans, and large utility rooms. Residence units boast Satina Whirlpool appliances, private patios, linen closets, garden tubs, marble sink vanities, walk-in closets, multiple cable and phone lines, and much more. For truly comfortable urban living, Alexan City Lights certainly delivers with lots of space and a great modern style. The building is comfortable and modern and has all the amenities needed for a modern family or couple.

Lease terms for the apartments are a minimum of 12 months. This three-story building has central air-conditioning and is conveniently located close to a number of good schools, including Pleasant Hill Elementary School, Bedichek Middle School, and Crockett High School. Pets are allowed in the building with no damage deposits or fees. SCI Real Estate Investments LLC certainly brought a building with lots of potential and a good location. The low vacancy rate will only help the investors. At this time it is unknown whether any major renovations are planned, but it will certainly be interesting to see what long-term plans SCI Real Estate Investments LLC has for Alexan City Lights.

Sql Tuning

Companies that rely upon database information obtained by SQL queries commonly encounter performance issues as their databases grow to contain mass amounts of information. Over time, the same processes that have historically proven successful may become inadequate when the application needs to accommodate thousands or millions of database records. Suppose a company has always utilized a process in which a SQL query looks for a name by checking the first row to see if it holds the specified name, and if not, checking the second row for the name, and so on. When this company’s database held only fifty names, this method would have been perfectly efficient and acceptable. But how would the same query go about locating the same name once the company’s database has expanded to contain a thousand names? What about twenty million? The query would use the same system and likely get the job done, but not very efficiently. The CPU usage and response time would be compromised as the query was forced to navigate through mass amounts of information seeking one single record.

Database expansion poses challenges to developers and business owners whose profitability relies on optimal software performance. When an indefinite amount of information is expected to be added to a database, it becomes apparent that fine tuned SQL statements are necessary to minimize CPU usage and response time, which is where SQL tuning comes in.

SQL tuning involves streamlining the process through which SQL queries locate the sought after information. Innovative enterprise data availability companies have developed software solutions with extensive capabilities which help analyze the performance of the code and automate the process of identifying the specific applications that are causing performance delays, with the goal of reducing the time and CPU usage required to implement a new application. Such technology allows developers to analyze, test and correct the performance of new or existing applications in a test environment without affecting production. Such technology also allows developers to identify what specific issues are having the greatest effect on performance, so that they may focus their energy on correcting the problems with the highest priority.

SQL tuning technology targets and significantly improves the performance of SQL applications, in turn increasing QA production and reducing the need for time-consuming manual testing. It also provides developers with a tool to help analyze and maximize the efficiency of their applications during development, thus increasing productivity as well as enhancing the quality of their work.

Conception: Honda Cr-v

At the end of September shows Honda on that Paris autosalon the new CR-V. More sportily and more approximately the new one is to arise and to continue with it the success of the predecessors. Nevertheless the Japanese could into that so far to eleven years construction period scarcely two and a half million vehicles under the people bring. Large Fussstapfen, into which the new one steps.

Despite the stately feature the third generation of the Japanese SUV does not work klobig. Above all the window front tapered to the tail lends the necessary breath sportyness to it. Optically the CR-V is stretched by a pronounced edge, which rises at the large headlights and ends only in the rear lights.

The tail lamps pulled into the length are rather unusual for a SUV. They remind strongly of Volvo. The front against it is thoroughly independent. A large air intake and the powerful, coloured set off front apron let strotzen Honda before Kraft.
Practical entrance

Larger doors and lower Türschweller than with the predecessor facilitate the admission for the passengers. Voluminösere armchair in the first row are besides the comfort to increase. Generally speaking trunk even two Mountainbikes are to find problem-free to place with put up back bank. With a second load soil the Gepäckabteil can be divided beyond that into two floors.

Front, side and Kopfairbags as well as ESP (called with Honda VSA) and trailer stabilization the program TSA are standard in the CR-V. The latter supervises continuously driving stability when pulling large loads. The new one may nevertheless attach up to two tons. Practically: Honda is now also available with a radar-controlled speed control, which automatically keeps the distance to the ahead-driving vehicle.

Gasoline or Diesel

To engine side the Japanese set two aggregates to the choice. The again developed 2,0-Liter-Benziner carries 150 HP out when high 6,200 revolutions and develops with 4.200 routes a maximum torque of 190 Newtonmeters. It is combinable with six-gearbox or a five-stage mechanism.

More highly in the buyer favour the 2.2 litres large self fuzes might be. 2005 as „engine OF the Year “celebrated, carry 140 HP strong Diesels out a respectable torque of 340 Newtonmeters. It is available however only with a manual six-course transmission.

Improved handling

For constant propulsion the standard all wheel system DPS (dual pumping system) provides. If necessary the power transmission is connected automatically to the rear axle. Owing to the sinking of the emphasis around 35 millimeters, which broader trace and larger wheels (17-Zoll are series) are themselves the handling characteristics noticeably to have improved. Starting from January 2007 the CR-V stands for approximately 25,000 euro with the dealers.

Automotive Talks Blog
Conception: Honda CR-V

Five Points to Beware of While Working From Home

With the advancement of information technology, including the internet and telecommunication network, many people have chosen to operate their business from the comforts of their own home. Many home business entrepreneurs have created their own websites as free work at home career options, stating their business ideas, for achieving a widespread popularity in the market.

The idea of a home based business seems wonderful. It is not doubt profitable but it has its own disadvantages too. But you have to beware of five points while working from home.

· #1 Disadvantage of work at home job option - No company benefits

You have to beware of the fact that you might not enjoy the benefits given by an organization or a company when you are working independently. These benefits would include health insurance, retirement policies, perks, bonus, life insurance policies, and other facilities. If you are a family person these facilities do make a big difference in your life style. Working on your own you will have to avail these benefits by yourself which might be very expensive.

· #2 Disadvantage of work at home job option - Lack of social interaction

Absence of coworkers at your home leads to isolation. You don’t get the opportunity to share your professional ideas with your colleagues. You don’t get any support or help when you are in trouble. You have to solve your own problems. Beware of this isolation might lead to mental depression.

· #3 Disadvantage of work at home job option - Increase in expenses

The initial expenses including the cost of setting up a work space, cost of telecommuting, and the cost of suitable equipments might be beyond your reach. It is not advisable for a new entrepreneur to invest such an amount of money without being sure that his business would be successful and profitable.

· #4 Disadvantage of work at home job option - Distractions

If you have children in your family they can be the major cause of distraction while you are working. Beware of friends and other relatives who can also cause distraction. Working at home requires a lot of concentration, dedication and self discipline. If you are distracted too much you might forget to do something important. This might lead to negligence and ultimately might negatively harm your business. The cozy and relaxed atmosphere at home might hamper your concentration. If you take too many breaks while working you might not be able to complete it within the stipulated time. It is important to have a minimum work pressure for the successful completion of your work, which is totally absent in a work at home job. It is difficult to manage home chores and monitor your performance simultaneously.

· #5 Disadvantage of work at home job option - Other problems

It becomes difficult to maintain staff development. Your skills might not be upgraded with the requirements of advancing time. You can become irresponsible and lose your supervising skills while working from home. You might not get a lot of business networking opportunities if you are working from home. Shortage of space can also hamper your work atmosphere.

Home based business is not meant for everyone. It is work specific. If you are a journalist you cannot expect to do your work sitting at home. You have to beware of the conditions of the business venture choosing your work at home business option.

Virtual Shop ‘till you Drop

Nowadays it is so much easier to go shopping. And we are talking about the new way of shopping, the kind that gets you out of the crowded supermarkets and malls and brings everything at the click of your mouse: virtual shopping. Also known as B2C (business-to-consumer electronic commerce), virtual shopping is a consumer’s ability to shop from behind the screen of his\her computer via a computer network, using the internet, surfing on the www (World Wide Web).

This kind of shopping is actually thriving at the moment, as a lot of personal computers are connected to the internet, and so many more choose to get in touch with the world by using the World Wide Web. And since you wander around clicking with a certain direction, or no direction at all, why not shop a little? This is where virtual shopping comes into place and makes you use a credit card from your computer instead of wasting precious time standing in line.

There is almost no product you may desire that cannot be found on the virtual shopping specialized web sites. From small sites with a few products, to the limitless buying possibilities of a virtual shopping mall, you can browse as long as your time allows you, or you credit card can perform. With a non-stop working program and special home delivery, the online shops that allow you to do this virtual shopping are the next generation.

The virtual shopping experience is all about advantages, and if you haven’t read between the lines so far, here is a more clear approach: shopping is faster and more convenient; prices and product offers can change as you browse; you can access the special call centers that are integrated with that certain website in case you need extra information; you can buy everything you want getting the best deal out of it, since you can compare the prices from different online shops without walking around all day; you benefit from the privacy of your home all around the clock.

And this is not everything that virtual shopping has in line for you. There is a certain way of buying on the Internet that can be as interesting as the classical virtual shopping: online auctions.

Online auctions are a way of shopping in which participants bid for a certain product, or service on an online auction website. There are two types of auctions that can be found on the internet: the English auction – where the starting price is low and builds up with the bids, and the Dutch auction – where identical items are placed in the same auction, and all the bidding winners pay the same price, as high as any of the products gets.

As well as the classical virtual shopping, online auctions have plenty of advantages for their bidders: you can place a bid at any time for a certain number of days; the bidders can be located anywhere on the face of the earth, avoiding the travel costs that incurred in an ordinary auction; gambling thrills can be easily obtained since participants bid against each other, hoping they will win; the numbers of sellers is as big as the number of bidders, or even bigger, since as long as there is a desire for a certain product there will be an offer for it.

And if you come to think about all the benefits that virtual shopping and online auctions can bring, I’m sure that you will be surfing already in search of a desired product when this article is about to end. Have fun going shopping…virtual shopping.

Now is the Perfect Time to Buy a Jeep Wrangler

It seems like everyone I know likes the Jeep Wrangler, the timing is right to consider buying a newer used Wrangler. They are fun in the sun, 4 Wheel drive in the winter, and very capable off pavement. There is a large after market of parts available, which makes it easy to modify and upgrade.
I tell people I have a Jeep, and I love it. They ask what kind of Jeep, I say a Jeep Wrangler TJ, a Jeep Jeep? yes a Jeep Jeep. The Jeep Wrangler is one of the classic American cars, It seems like everyone has a jeep story, and everyone wants a Jeep Wrangler. The Jeep Wrangler has a great history starting with the military CJs then on to the CJ5, CJ7, the YJ, the TJ, and now the new 2007 JK model. Currently the DaimlerChrysler Corporation produces many different Jeeps but over the years they have stayed true to the open body 2 door small 4x4 Wrangler Jeep. Each year they make improvements and add capabilities, the Jeep Wrangler Rubicon is a good example of a nice well furnished vehicle that is extremely capable right off the show room floor.
If you are not made of money, and cannot afford a brand new 2007 Rubicon Jeep, it's a good time to consider a Jeep Wrangler that is a few years old. The Wrangler TJ was produced from 1997-2006. This model was a very popular and the used market is flooded with lower mileage, clean, one owner Jeeps. I am not a car salesmen but I know every car on the market is gently used, and only driven to church on Sunday by a nice old lady. But beware when shopping for a Jeep some of them maybe nice and clean others may have been drive hard. Another reason the Jeep Wrangler TJ is a great value, is timing. The new model was just released and is in great demand at the dealerships, some dealers may have new 2006 models they want to sell cheap to make room for the new JK models.
Another thing to consider is the large after market of available parts to upgrade, and modify a Jeep. The Jeep TJ has been on the market for almost 10 years and in that time there has been a lot of really nice parts and accessories developed and refined for this model. Everything from full suspension systems, axle upgrades, tires, wheels, bumpers, racks, roll cages, and security systems. If you want a modified jeep, but don't want to pay full price for upgrades, do a bit of shopping around. I am sure you can find a Jeep with a lift kit, upgraded tires, and other accessories ready to go. Remember when you are buying a used vehicle the cost of the upgrades and modifications the previous owner made to the vehicle are severely depreciated. When shopping for a modified Jeep do a bit of research and talk to the previous owner about who did the upgrades, and how the Jeep was used, where the upgrade work was done, and how it was maintained. Jeeps that have been be heavily used off road will show signs of wear that a normal car won't. Look for scrapes and dents under on the underside of the frame, skid plates, and the rear gas tank skid plate. These could be a warning signs of future repair needs. A lot of Wranglers have been modified for looks and then spent most of the time driving in town and on the highway.
Once you are the proud owner of a new toy, there are lots of things you can do to upgrade and enjoy your new jeep. You can just take the top off and go for a summer cruise, or you if you are interested in major upgrades the parts and help is certainly available. Over the years I have helped a lot of my buddies, and answered a lot of questions, the most popular question is about about matching bigger tires and lift kits together. What size tires can I use with a 3 inch, or 4 inch lift, or what type of lift and work is needed to fit 33 or 35 inch tires? For more detailed answers to all these question check this Jeep TJ Lift Questions and Answers FAQ.
Like I said I have a 1999 Wrangler that I have done major modifications to, and I love it. It's a fun and function toy, that our family really enjoys. If you have always want a convertible, and you like Jeeps, but have been putting off buying one, now is a good time to take the leap. Before you know it you will be modifying the jeep, joining a local jeep club and 4 Wheeling every weekend. Go for it!

Upgrading Those Rims

Does your ride look old or dull? Do your friends roll on tricked out cars? A major look enhancer for your car can be modifying the rims. Car rims are like hair on people. Changing that hairstyle can usually be a subtle change but can enhance your over all look. By principle changing your car rims may make your ride look sporty but that's all there is to it the look. But this can cause losses on power and on your pockets.

Choosing the Right Diameter Size

Initially everyone wants their ride to stand out from the rest, shoving an almost impossible to steer rims under that fender. Some would go as big as 20 inch rims for that Asian compact car, but would that be all worth all the hassle, all the trouble it can cause for not being able to steer well?

Aftermarket rims come in all sizes starting from 13 inches to a whooping 26 inches all suited for compacts, muscle, Asian Utility, and Sports Utility Vehicles. Now for all serious racers or budding racers to be, it is a must to know that to the bigger the rim diameter the heavier it becomes which translates to a loss in precious horsepower. But for those who opt for form over function the bigger the rims the lower the car looks. When the rims are bigger in diameter the tire size becomes thinner and the wheel becomes heavier. The thinner the rubber the more expensive it can get.

Is Having a Custom Rim Worth All That?

Having a custom ride starts with the rims and this could turn your ride into a chick magnet. But would this be all worth it? Installing custom rims could alter your ride's handling and gauge readings.

The car's speedometer can be affected if you change the diameter of the rims and the tires especially if it is bigger or smaller than what it had on from the factory. Having larger wheels can trick the car's gauges to think that the car is going slower since there is lesser wheel revolution per kilometer or mile covered. With this set-up the driver might get speeding tickets and a wrong reading on the odometer.

Bigger rims can make the driver cause an under steer in order that the tires and the fenders don't come in contact with each other. This as well prevents damaging the paint. Another thing to be extra careful about if you are driving a vehicle with wheels having large diameter rims are potholes, street gutters and street furniture. A wheel that has thin rubber tires means that the rims are closer to the ground and may come in contact with street furniture and potholes that could damage your rims permanently.

20 Dangerous Vehicles to Avoid

The prestigious Forbes magazine has enumerated the 20 dangerous vehicles to avoid. Automotive safety experts said that the best way to determine the safety and danger risks a vehicle imposes greatly depends on the way it is configured, particularly with regards to few important aspects like side impact protection, stability control and roll-over risk that when combined provide ultimate safety in vehicular accidents like crashes significantly.

Here are the Top 20 Vehicles you should be wary of, according to Forbes magazine:

1. Buick Rendezvous
2. Ford Ranger/Mazda B-Series
3. Nissan Frontier
4. Ford Escape/ Mercury Mariner
5. Toyota Yaris
6. Hyundai Accent
7. Toyota Matrix/Pontiac Vibe
8. Kia Rio
9. Chevrolet Aveo
10. Suzuki Reno/Forenza
11. Ford Focus
12. Jeep Liberty
13. Dodge Dakota
14. Chevrolet Cobalt/Pontiac G5
15. Nissan Xterra
16. Saturn ION
17. Chrysler PT Cruiser
18. Honda S2000
19. Toyota Scion tC
20. Mazda3 (lights can be replaced by APC lights)

With crash tests performed by the IIHS on new vehicles, they see a wide range of results concerning side-impact and whiplash protection.

"What makes a vehicle unsafe today is a lack of side-impact protection," says Rader.

"Whiplash is not a life-threatening injury but head injuries [from a side impact] are commonly life-threatening." he further stated.

Mandated to be installed in all 2009 vehicles, the side curtain airbags had been proven to increase the chances of survival in a classic “T-bone” side-impact accident. It also promotes passenger safety in cases of roll-overs. The National Highway Traffic Safety Administration (NHTSA) predicts that side curtain airbags will decrease cases of fatal side-impact head injuries by 45 percent resulting to 1,000 safe lives per year.

"Side airbags designed to protect your head are crucial, because a head injury is the most common fatal injury in a crash," says Rader, "It's the difference between life and death."

Together with side curtain air bags, all vehicles need a strongly built side structure to bear strong blows from all kinds of vehicles.

As Rader points out the advantage of larger vehicles in accidents with their wider range of stability, the managing editor of Consumer Reports, John Linkov reckons that the smaller the vehicle doesn’t necessarily mean the dangerous it gets. More often, smaller vehicles offer easy handling and maneuverability needed to prevent accidents. However, Rader and Linkov’s thinking are not on the same angle. Rader’s was more of the accident already happening and Linkov’s focus was on the prevention.

Electronic stability control systems will be mandated for the 2012 model year. This system works by smartly applying the brakes on one or more of the wheels to avoid loss of vehicle control in an extreme maneuver.

"Electronic stability control is one of those rare safety features that's having a dramatic effect on saving lives," says Rader.

"Stability control alone can reduce the risk of fatal single-vehicle crashes by 56 percent. And it can reduce fatal single-vehicle rollovers by 80 percent for SUVs, 77 percent for passenger cars." Rader added.

Any vehicle can be entirely unsafe if is not properly built with important safety features. Plus if it is driven by a total reckless driver, accidents will always be on its way.

The Next Best Thing to Acura Rsx

A set of premium quality Acura RSX parts is the next best thing to having a brand new RSX. Since the Acura RSX model is no longer being sold, replacing damaged RSX parts now serves as perhaps the only means to preserve one’s Acura RSX.

The Acura RSX was a strong seller for Honda. However, with the introduction of the 2006 Honda Civic Si, which is approximately as powerful but less expensive, Honda decided -to cease production of Acura RSXs. It was more or less a marketing decision for Honda, as they did not want to cannibalize one product with another. Despite the RSX enthusiasts' outrage over the news, the manufacturers of Honda and Acura decided on focusing more on the Honda Civic Si, since many are inclined to buy it for its similarity with the Acura RSX, but with a lower a tag price.

For those who were fortunate to grab their own Acura RSX, the line of Acura RSX parts is out in the market to be of assistance in maintaining as well as preserving the now legendary Acura RSX. Basic Acura RSX parts designed to enhance the car’s performance include ignition wires, high-flow air filters, and exhaust headers. One can also opt to avail of Acura RSX parts like nitrous, turbochargers, and multiple-spark ignition boxes. These parts will surely improve RSX's run.

A car model that is no longer available on the market does not necessarily make it obsolete. The Acura RSX remains to be one of the best vehicles Acura has so far. The reason it was pulled out of the market had nothing to do with its quality, but more for practicality. Despite being Honda's luxury car making arm, Acura has not fully thrown away the notion of practicality. Continued manufacturing of Acura RSX parts is one of the best offers Acura has for RSX enthusiasts.

How To Increase Forex Profits 100% in 10 Minutes

This simple exercise will increase Forex profits 100% and works for 99% of all short-term FX traders - stop trading so much - widen out your stops - widen out your profit targets - and only trade in the direction of the trend indicated by 4 hour chart.

1) Stop trading so much

Sure there are no commissions but the spreads are HUGE and believe it or not (well you'll believe it after you do the simple exercise below) the spreads are reducing your profits 100%!

2) Widen out your stops

Initial stop loss should be a minimum of 23 points; I use between 23 and 35 point stop losses for short-term trading.

3) Widen out your profit targets

Unless you think a trade can make you 100 points or more don't do it.

4) Only trade in the direction of the 4 hour chart

The real money is made in the direction of the trend

Simple exercise

1) Download all your trades for the year into an excel spreadsheet (if you don't know how to do this ask your broker for help).

2) Determine the dollar value of the spread for each trade.

3) Sum up the total dollar value of all spreads for all trades and add this number it to your current account balance; this is your spread adjusted account balance.

4) Take your spread adjusted current account balance and divide it by your opening balance at beginning of year; the result will be a percentage change.

5) Take your actual current account balance and divide it by your opening balance at beginning of year; the result will be a percentage change.

6) Subtract your spread adjusted year to date percentage change from your actual year to date percentage change.

7) That number should be 100% or more

8) Take the necessary steps as outlined above (1 to 4) and improve your results 100%

How To Increase Forex Profits 100% in 10 Minutes

This simple exercise will increase Forex profits 100% and works for 99% of all short-term FX traders - stop trading so much - widen out your stops - widen out your profit targets - and only trade in the direction of the trend indicated by 4 hour chart.

1) Stop trading so much

Sure there are no commissions but the spreads are HUGE and believe it or not (well you'll believe it after you do the simple exercise below) the spreads are reducing your profits 100%!

2) Widen out your stops

Initial stop loss should be a minimum of 23 points; I use between 23 and 35 point stop losses for short-term trading.

3) Widen out your profit targets

Unless you think a trade can make you 100 points or more don't do it.

4) Only trade in the direction of the 4 hour chart

The real money is made in the direction of the trend

Simple exercise

1) Download all your trades for the year into an excel spreadsheet (if you don't know how to do this ask your broker for help).

2) Determine the dollar value of the spread for each trade.

3) Sum up the total dollar value of all spreads for all trades and add this number it to your current account balance; this is your spread adjusted account balance.

4) Take your spread adjusted current account balance and divide it by your opening balance at beginning of year; the result will be a percentage change.

5) Take your actual current account balance and divide it by your opening balance at beginning of year; the result will be a percentage change.

6) Subtract your spread adjusted year to date percentage change from your actual year to date percentage change.

7) That number should be 100% or more

8) Take the necessary steps as outlined above (1 to 4) and improve your results 100%

Forex Trading Strategy

Trading in any market is risky, but trading in the forex market is especially risky. There are no guarantees that you'll make money, and even if you do make some money you'll need to be prepared to lose some too. However, there are some forex trading strategies you can employ to maximize your potential to make money.

The first forex strategy is to never trade with money you cannot afford to lose. This means do not withdraw money from your savings or retirement accounts to fund your forex trading. Trading can be just as addictive as gambling in that you may think that the next trade will be the "one." Unfortunately, if all you do is continue to lose, then you are really harming yourself and others who depend on you. Withdrawing money from a savings or retirement account is not the only place to get money when trading. You can apply for a margin account for forex trading. Using a margin account as a forex trading strategy is not a very good one. In reality, margin trading can open doors for huge profits, but it can also be a door to huge losses. For example, if you borrow $500 to fund a trade and the trade makes $2000, then after you have paid back your $500, you walk away with $1500. However, on the flip side, if you borrow $500 to fund a trade and the currency goes down resulting in a loss of $2000, then you have really lost $2500, because not only did the trade lose $2000, you also have to find $500 to pay back the loan.

Your next forex trading strategy should involve determining whether the forex market is in an up trend or down trend. Furthermore, you should also try to determine the length of the trend and whether the trend is going to continue. Understanding the direction and atmosphere of the forex market will ultimately help you trade. After establishing the mood of the forex market, the next forex trading strategy you should employ involves establishing an entry and exit point. These points are prices at which you wish to enter and exit a trade. There should also be two exit points. The first exit point should be the point at which you wish to exit the trade should the trade go up. The second exit point should be the point at which you wish to exit the trade should the trade go down. The second exit point is almost more critical than the first because you are losing money and there needs to be a point at which you know to leave a trade. The hardest part about setting and following through with this point is that you want to make money, so you may hold out hope that the trade will turn around. One of the best forex trading strategies to utilize actually occurs just before entering a trade and that is listening to your instincts. Your instincts, as with many things in life, can be your best friend. If something is nagging at you to stay out of a trade, then do so. You may regret it if you don't.

Pretending to trade is another forex trading strategy that can prove extremely useful. This allows you to practice your trades without losing any money. You can pretend to trade with paper by yourself, or you can utilize services on the Internet that allow you to do this for a small fee. Regardless of how you practice your trades, you will need to act as if you were actually trading, including picking entry and exit points. This will give you a good idea of how well you are doing at trading in the forex market as well as if you are improving.

Other forex trading strategies include using what other traders use to forecast their trades. Such tools include the 14-day RSI, Fibonacci retracement, MACD, and exponential moving averages (9, 20, 40 day). These are often the best indicators of when to enter into a trade. Keep in mind that while these are the most popular tools used in a forex trading strategy, they are not the only ones. There are many tools as well as many forex trading strategies. You just need to find the ones that work the best for you.

Tiga Cara Memperindah Dokumen dengan CSS

Terdapat 3 cara untuk menempatkan CSS pada halaman web, inline, embedded, dan linked dari CSS style sheet yang terpisah. Satu-satunya yang sangat membuat pengaruh dalam pengembangan website adalah dengan membuat link ke halaman XHTML dengan sebuah CSS style sheet, namun kita akan pelajari dua cara lainnya juga, untuk mengetahui seberapa berguna 2 cara itu dalam pengembangan website.

Sebuah style sheet merupakan file yang terpisah seluruhnya dari file XHTML, dan hanya berisi CSS. Sebuah style sheet dapat di-share oleh halaman XHTML tanpa batas, yang dapat membantu untuk memastikan tampilan yang konsisten dari satu halaman ke halaman website lainnya dan dapat di-edit sebuah style secara instan dan langsung berpengaruh ke semua halaman web yang menggunakan style sheet yang diubah.

Create Account Blogger

Buka www.blogger.com Klik CIPTAKAN BLOG ANDA . . . .
Isikan semua form dengan benar, Contoh Alamat email : bd_maryanto
Seteleh selesai pengisian klik LANJUTKAN
Pengaturan Blog
Berikan Judul untuk Blog anda , contoh : artikel seribu
Buat alamat blog anda contoh : artikel1000
Klik LANJUTKAN
Jika muncul gambar seperti ini maka anda harus mengganti alamat blog, karena alamat blog tersebut telah dipergunakan orang lain
Pemilihan Template
Pilihlah salah satu template
Klik LANJUTKAN
Account Blogger Sudah Berhasil di Buat
Klik MULAI POSTING untuk melakukan posting
HALAMAN POSTING

Masukan atikel kedalam kotak “compose”, setelah selesai klik “Mempublikasikan Posting”
Jika anda sudah logout atau belum login untuk bisa memposting anda harus login terlebih dahulu, caranya
- buka blogger anda” misalnya http://artikel1000.blogspot.com (untuk account blogger domainnya dinamakan “blogspot”) lalu klik menu masuk di pojok kanan atas.
- isi username dan password anda
- klik post
MEMASANG GOOGLE ADSENSE
Untuk bisa memasang google adsense maka pengaturan bahasa pada blogger anda harus bahasa inggris(ada di pengaturan > format > bahasa).
Pilih template
Klik tambahkan sebuah elemen halaman
Maka akan muncul sebuah jendela pop up, seperti

Klik “TAMBAHKAN KE BLOG” pada bagian AdSense, jika baru pertama kali login pada google adsense pada blogger maka anda diminta untuk memasukan email account di google adsense dank ode pos atau 5 digit nomor telepon anda. Jika sudah login maka akan tampil seperti ini

Format: untuk mengatur ukuran google adsense
Warna : untuk mangatur warna² apa saja yang dipakai( disarankan untuk memakai “Padukan Template”)
Kostumisasi warna: dipakai jika anda tidak puas pada pilihan warna
Pratinjau : tampilan google adsense anda.
Klik SIMPAN PERUBAHAN jika anda sudah merasa puas

Element halaman tersebut bisa di geser² dengan cara klik bagian pinggir pada element lalu tahan mouse anda, geser ke tempat yang anda inginkan.
Setelah selesai klik simpan

Automated eBay eBook Tips To Success

Anyone who sells information products online is at a huge advantage to any other product seller. You have no postage charges to fulfil, no headaches of outsourcing fulfilment companies and virtually non existent costs. Every eBook you sell will give you almost 100% profit per sale, and the second benefit of capturing a lead in the process to which you can sell to, over and over again.

The main benefit of selling eBooks on eBay and the internet is 100% of the process can be automated, although there is one small headache to the seller. The competition, all trying to claim their share of the $800 million annual market.

I am not suggesting that the eBook market is saturated, far from it, but you need a solid plan before you delve into the automated eBook selling business. The main thing you need to do before you start your eBook business, is to brand your name - not your websites. I knew in doing this I would become an authority figure online and not get lost in cyberspace.

Compile a business plan. Set up a process that enables you to build a customer base, and also your feedback on eBay, and your customer base will increase. As your perceived credibility grows - so too will your business.

Put in place a viral exponent in your eBook business plan, which is basically a method of self advertising, and turning your customers into salespeople for your business, thus dramatically increasing the visitors and potential customers you will receive. An affiliate programme can help with this by providing copy and paste tools, to make it as easy as possible for your customers to promote your business.

Next think about converting those potential customers into buyers, with a solid salescopy, expressing a strong headline to attract eye-balls to your product. Tell a story to empathise with the reader, and an offer or a lead capture form just before the salespage is no longer visible on the screen, to maintain the reader to your salespage. Continue with introducing the product, and expressing a call to action. Tell your customer to order your product. Introduce a scarcity factor, for example you only have 50 copies for sale or that the price will be increased in x number of hours or days.

As you grow, create your own infomation products, and again brand them to your name, this will improve your market saturation and grow your image online as an authoritative eBook seller - plus give you multiple streams of income - then simply repeat the process and watch your income explode.

The 3 Elements of Viral Marketing

You may have already realized that viral marketing is an essential component to the success of your internet business. But the next question to ask is this: what makes marketing viral? There are three keys.

Key One: It must be Buzz-Worthy

Basically, it just means notable, interesting. There is a story around it. You must have the juicy tidbits that stars like Britney Spears and Madonna are known for. If you cannot get the people to be convinced that it is something new, juicy and revolutionary, you cannot expect to pass the viral marketing standard. If you really want it to sell like pancakes, it must be something substantial and extremely intriguing enough for the user.

Key Two: It must be useful to the person you are sending it to.

Otherwise, it is like some chain letters that you get. It is like, “Why do this person send it to me? Delete. It is gone.” If it is useful to the person that gets it and the person that read it initially forwards it to others who might find it useful too, it continues a self-perpetuating cycle.

If you do not establish this, the first man or woman that gets it will treat it as junk and press the delete button. So, it does not go on. But if they think it is useful and they know you personally, chances are you have some similar interests. It might be interesting to you and it gets forwarded around and the message just spreads.

Key Three: It must be easy to pass on.

This is actually the most important key of the three, but it will not work without the first two. You have to have all three, but this is the thing that really makes it viral. A “Tell a Friend” script might be another good example.

When you visit a website and you think it is really cool, often, they will have a thing where it says tell a friend, and you can type in the e-mail addresses of two or three of your friends. They get a link to the site saying, “Hey, so and so, with your name, sent your link to the site. Come and check it out.” Those are examples of tools that make your material easy to pass around.

There are various viral examples. If you can get that kind of viral movement which is synonymous to having multiple branching out levels as in an old Pert commercial, it does not really take very long to spread your message, but you have to have the three keys that we just talked about.

Another example is reports. You see a lot of people in internet doing this. They will create a report that has great content. Inside the report you can have links to backend products, your affiliate links, and you can brand it like with your brand saying sometimes if it is your report, you brand it however you want. This is already instant viral marketing for you. Tools such as viralpdf.com help you create those reports.

Viral Marketing with Online Video

Arguably, the best way for you to market your business is to have someone else do it for you for free, over and over and over again!

To many marketers this may sound like just a 'dream' but it happens everyday via 'word of mouth marketing.' You know the kind I'm taking about. That's when you're chatting with a friend and they start to tell you all about this new 'gizmo' that they are using and how much they like it.

And because they like it so much they personally recommend you buy it too. In fact, they may even encourage you by telling you "you have to get it!"

This of course is every marketers dream because the referral comes with a built-in testimonial (product endorsement) from one personal friend to another and it doesn't cost you a dime!

Often times, friends have a powerful influence over how we act, and even what we buy. Just think of how many things you have bought in the past simply because a friend recommended it. Have you ever gone to see a movie at the recommendation of a friend? How about that restaurant they recommended?

We are naturally more inclined to do something if a friend tells us to because we know, like and trust their opinion. This is the power of word of mouth marketing.

Understanding this, the trick then becomes figuring out how to get one friend to virally pass your message along to their friends, who pass it along to their friends, and so on.

But before we discuss how to do this, first let's take a look at what I like to call the 'Goo-Tube' phenomena.

Chances are, by now, you have heard about Google Video and Youtube. Well there is good reason for that. You see, Youtube.com is the 8th most visited site on the net today while Google is the 3rd.

This is good to know because both of these websites offer free video sharing services allowing you to tap into their massively trafficked sites virally!

If you have been on the net for a few years you'll remember how expensive it can be to host large files such as audio and video on your server. Even if your site got just a small amount of traffic to it that watched your video or listened to your audios you could expect a hefty bill in the mail from your web hosting company for "exceeding bandwidth". I don't know about you but the term 'bandwidth' quickly became a bad word in my office.

But like always, especially on the Internet, times are quickly changing. When it comes to hosting video on or web sites, we no longer have to be concerned about that awful thing called bandwidth. Nope, no more.

Both Google Video and Youtube have graciously provided a central location for people like you and I to upload and host our videos for free for other people to view and PASS ALONG!

That's right -- pass along. Ah, I love those words. Why? Because they equate to free, word-of-mouth marketing!

Do not underestimate the power behind this marketing strategy. Google certainly didn't. In fact, in November 2006, Google bought Youtube (TIME magazine's 2006 Invention of the Year) for 1.65 Billion in Google Stock!

Presently, both Google Video and Youtube.com remain separate web properties. But who knows what the future will bring. Only time will tell if the two get married and give birth to a big beautiful baby named "Goo-tube"!

As marketers though, what this all really means is a huge opportunity to tap into these incredible resources and drive targeted traffic to your website for free!

Free Traffic With Web 2.0

Free targeted traffic. If that's not your idea of a goldmine, you shouldn't be in the Internet marketing business. And getting free targeted traffic has recently become even more powerful thanks to the help of Web 2.0. Before we get to that, let's first take a quick look at what Web 2.0 is.

Wikipedia defines Web 2.0 as web sites that "let people collaborate and share information online in a new way."

Essentially, Web 2.0 sites are online communities where people congregate and are encouraged to share information with one another. The information that is shared and passed around by users of these social networks includes pretty much any topic you can think of.

And because there are so many specific niche topics (and markets) that people take interest in, Web 2.0 social networking sites are a marketer's gold mine.

In other words, these sites present an unprecedented opportunity to have others willingly market your products and services for free.

As a marketer, your objective should be to find fast moving Web 2.0 community-based web sites that allow you to insert your URL. That way, when people review your information and share it with others, your link will get seen (and hopefully clicked on). In this way, you drive highly targeted traffic back to your web site - and highly targeted traffic means high conversion rates. Translation: you make lots and lots of money!

So when you find these fast-moving sites, check to see if they will allow you to share your URL. Then you can set up an account and start building your own community with links all pointing back to your main web site.

A great way to increase your page rank and positioning on many social networks is to create multiple user accounts on related topics and then link them all together. Also, be sure to ask your visitor to rank your page. This too will boost you up in the rankings.

To get you started, here are just a few of the fastest moving social networking web sites today:

-Youtube
-Friendster
-Squidoo
-Tagword
-LinkedIn
-MySpace
-Facebox

Take some time to visit each of these sites and get a feel for how they work. About twenty minutes on each site is all you really need in order to understand how they operate and how they can work for you.

Pay attention to what topics generate the most discussion, what people with lots of "friends" are doing and common themes.

Set up your accounts and begin creating some communities!

The sooner you get plugged into this social world of "magical" marketing, the sooner you'll see lots of targeted traffic visit your site. And the sooner you'll start reaping the financial rewards of these social sites.

Tax Planning for a Bigger Tax Refund in 2007

Tax Planning For A Bigger 2007 Refund

The time to start your tax planning strategies is earlier in the year rather that later.
In Canada, and from what I read in the newspapers and online, most taxpayers worldwide feel that they are paying too much tax.
And to add insult to injury, most of the taxes paid are not being put to good use.
Almost daily, we hear about the misuse of some huge amount of tax funds gathered from taxpayers.

While it seems we can do little about these transgressions, we can use effective tax planning strategies that will help us minimize our tax liabilities.

Tax planning does not involve convoluted tactics to hide or reduce income.
These will get you into big trouble with your tax collector and are not worth the effort, especially when there are legal and more beneficial ways to keep more money in your pockets and away from the Taxman.
A very effective tax planning strategy is to make charitable donations.
In Canada, the Canada Revenue Agency allows tax payers to donate up to 75% of their income.
Which means your income for taxes would be on just 25% of your earnings.
A very effective tax reduction incentive!
However, not many tax payers can realistic afford to do this.

Many Canadian tax payers do make charitable donations in an effort to be philanthropic as well as to receive the resulting tax credits.

Beware! Not all charities are created equal and some are downright suspect.
At the very least a charitable organization should be registered and have a verifiable tax ID number.

Not all charitable organizations adhere to the strict guidelines that make a good charity program effective and sustainable even when challenged by the tax collecting agencies.

When looking at tax shelter programs (this is what these tax reduction strategies are called) it is important that you inquire about how the program deals with issues of “valuation”, “advantages”, and “impoverishment”.

Valuation:

In Canada, recent legislation has established rules that prohibit tax payers from receiving a tax credit for donating property at an appraised price that is higher than the property’s purchase price. Previously, donors were allowed to acquire property at a low price and gift it to a charitable organization, receiving in exchange a donation receipt at the higher appraised value.
Under the new legislation, the value of the receipt must equal the original purchase price of the donated item provided that this amount does not exceed fair market value.

Advantage:

The value of any “advantage” (personal financial benefit) that you might receive from making your donation must now be deducted from the value of your donation receipt.
For example, those donors who purchase a $200 charity golf tournament ticket and received dinner, drinks and course fees valued at $140, would only receive a $60 donation receipt.

Impoverishment:

To claim a tax credit for a donation, donors must demonstrate they are impoverished financially after making their donation.
In other words, donors must be “out of pocket” as a result of the transaction.

To make your charitable donation effective as a tax planning ensure that any program you choose is compliant in all these aspects.

There is no point in using tax planning strategies that will not stand up to scrutiny or worse yet, have you accused of attempting to circumvent the rules of compliancy.

Loans That are Always Quick

Last month, I was in urgent need of finance. As there were not enough hands to provide me support, I decided to go for loans. But, there also path was not clear. The authorities of the finance institutions informed me that it will take at least two weeks for the loan amount to reach my wallet. It was much a higher period for me as I needed cash in three days. So, I was advised to move for loans that could get sanctioned in two days. I opted for it and I am a happy man now.

Generally, people opt for the loans as there arises an urgent need of cash. But usually, the process of availing loan is time consuming, necessitating the need for quick loans.

How to Avail Quick Loans?
Availing quick loans is a simple process. The developed financial market has large number of loan lender making it easier for the customer to choose the loan of his choice. The customers opting for personal loans, will analyse, the loans, their needs and will reach on a decision on the amount to be taken as a loan. On contacting the lenders, with not much difficulty, the borrowers are able to grab the finance.

Interest Rates
Chances of the lender charging a higher rate than ordinary personal loans are there, as these particular types of loans are less time consuming. But of course, the existence of many lenders in the loan market assures a comfortable and decent interest rate. A thorough study of the market will help the borrower in obtaining a loan with decent rate of interest.

Repayments
The borrowers of quick loans should always make it sure that the repayments are done within the prescribed period, as any failure in that will lead to legal issues, putting the customer in embarrassing situations.

Understand your Currencies

In the forex markets, it is important to understand the nature of the currencies you are trading. It is worth knowing the characteristics of the currency pairs, since each of them exhibit distinct identities. There is a fact that most of the currencies might exhibit similar movement patterns, which can help a trader confirm price movements. Trader can look at two pairs of currencies that have almost similar or completely opposite price movement patterns to get better predictions. Let take an example of the close relation between the EUR/USD & USD/CHF.
The price movements of these two currency pairs are absolute mirror images. In short, they have an inverse relationship. If EUR/USD is rallying, then USD/CHF should have downward movement, and vice-versa.
How can traders take advantage of this? The most obvious fact is that one must not trade both the currencies at the same time. If one is long the EUR/USD, logically one should not be long the USD/CHF at the same time, since the USD/CHF would have a downward movement.
Neither is it wise to take opposing trades on these two pairs, because if the trade goes wrong, then the trader would incur losses in both the trades (although the trader also might have double profit if the trade goes right, but anyway, in forex trading, we focus on how to not get loss first).
Ideally, one should trade either of the two pairs. The best way to take advantage of this fact is to cross-check a trade by looking for confirmation factors on the other pair. If a trader is planning to take a long position in the EUR/USD, he can look for a similar short setup on the USD/CHF. If such an opposite setup is present in the USD/CHF, it only adds further credence to his long EUR/USD trade. It is just a check.
There are other currency pairs also which exhibit a close relation. This fact serves as a good rule of thumb to estimate the movement of the particular currency. Thus it is worth studying these relationships to gain a higher edge in the market. As you know, sometimes a basic knowledge can also serve as a turning point between failure and success.

Investing in Troubled Times

The Enterprising Investor is always on the lookout for value and always ready to be greedy when others are fearful. Despite the fact that we feel that the current correction is far from being over, we encourage investors to make a shortlist of stocks which they would have loved to buy but just didn’t manage to do so at reasonable prices.

Once you have made this list, track these stocks and identify what price you would be comfortable paying for a share in the business: as a long-term investor, you main concern should be to buy shares at prices which you are comfortable with and not to time the bottom of the market. As Emerson said: “The great man is he who in the midst of the crowds keeps with perfect sweetness the independence of solitude.”

For example:

* you may have been following Goldman Sachs (GS) and kicking yourself for not having bought some shares. This is a great company with extremely solid fundamentals and a money making machine with an impeccable track record and pedigree. Do you feel the correction that Mr. Market has applied to the whole financial sector is justified for Goldman who is now trading at a multiple of under 10?

* or had you been following USG Corporation (USG) only to see it spike after news of the big position Warren Buffett had taken in the company? Despite the fact that Berkshire reduced the stake, did you know that they were buying shares all the way down to 46 USD… they might still be buying….

The bottom line is, don’t panic, keep your thinking hats on and keep on doing your homework!

The Flood of Home Insurance

Recent flooding across the UK this year has caused many people to see the importance of good home insurance. In recent months many of those affected have had no cover at all while others realised that their insurance was inadequate for damages caused by the flooding. The floods of 2007 highlighted the need for quality insurance and for those seeking to purchase insurance to pay much closer attention to the small print and make certain the policy is right for them.

In the past few years buying home and contents insurance has become easier with most insurers offering quotes and the option of purchasing online. Price comparison websites attract many people interested in finding the cheapest quote. However, the cheapest may not always be the best, as many people that suffered in the floods discovered. Many insurance policies come with a list of exclusions meaning they don't pay out in certain circumstances, such as accidental damage.

When choosing insurance it's a good idea to get a hold on the big picture of what you want and need to insure. Consider all of the potential incidences that could befall your property, such as fire and natural disasters such as flooding and storm damage. Then there is contents insurance; basic insurance for the contents of your house is likely to have exemptions, so it's best to take note of what each policy offers and more importantly if you have any possessions that are of particular importance or value. Many insurers offer special add-ons for contents policies such as sports equipment and home garden cover.

Comprehensive understanding of your insurance policy is ever more important as costs are expected to rise 10% following the recent floods. Although the flooding may have been a factor in the price hike, a spokesman for one insurer said it was due to the general increase in costs for making home repairs. Premiums have hardly risen over the past ten years so it should not come as a surprise that rates will be raised now.

With insurance rate rises imminent, many people are bound to shop around more when choosing home insurance but should always double check the exact policy details before selecting any policy.

The Environment Agency reported the floods in June and July have been the worst experienced in the past 60 years. Experts predict that the world will experience an increasing amount of severe weather events in the future which makes home insurance more important than ever.

5 Ways How Misuse of Balance Transfer Credit Cards Can Cost you Dearly

0 Intro APR credit cards are used by many people to avoid high interest rates on outstanding balances. As soon as the 0 Intro period expires - they find another credit card with 0 intro offer or low interest offer on balance transfer and switch balances. In the short term it might look as a good strategy, but it has its own drawbacks. Here are few facts, which if overlooked can cost the credit card holder dearly.

1. The credit card companies might stop approving such applications when they find that the applicant has a sustained history of balance transfer misuse.
2. Lenders like people who pay them interest, that's the main source of their income. So, if the find that when it comes to repaying your debt with interest, you simply cut corners and transfer the balance to a new credit card. They won't be interested lending to you.
3. With such repeated balance transfers, and closing old credit cards will have an impact on your credit history also. The remarks in your credit report can drive away potential lenders, and you'll have to face the music even when you apply for other type of loans like auto loan, mortgages, personal loans etc.
4. If a credit card issuer refuses one such request of balance transfer, your entire plans of getting the debt to a low interest rate can be jeopardized and you could be facing high APR's, which can land you in further trouble.
5. Balance transfer credit cards don't tolerate late payments, so if you miss out on a particular repayment all the benefit is lost and instantly the high regular APR's are applied. Again a low rate on balance transfers does not mean the overall APR's will also be low. There could be different APR's for purchases, and cash advances.

Though balance transfers are not a bad idea, but excess of everything is bad. Besides, denting your credit history, repeated balance transfers are also a bad financial habit. It is like not facing the eventual reality of repaying your debt. Balance transfers are there for good reasons and should be used as such- in that way they will benefit the credit card holders in a big way.

Continually opening new low interest credit card accounts and shifting money without attacking the overall debt could worry lenders, potentially hurting your chances for borrowing money in the future. Credit card issuers favor customers who pay interest, viewing customers who transfer debts over and over to avoid paying interest as less-than-ideal borrowers.

Such excessive balance transfer behavior can also make it tough to borrow money from other lenders outside of the credit card industry, such when shopping for a home or automobile.

Separately, should you make a misstep -- for example, by making a late credit card payment -- your credit card's regular (and undoubtedly much higher) interest rate will get triggered. That could also result in a sudden surge in the APR on your credit card debt.

Another reason to be wary of performing too many balance transfers is that the low interest rate you get with a new balance transfer credit card may just apply to the transferred balance itself. It is important to note whether the low interest rate on balance transfers also applies to purchases.

Should you need to make a new purchase with the card, the interest on your spending could be at the credit card's regular interest rate. However, certain balance transfer credit cards, like the Discover Platinum Card and the Citi Platinum Select Card, offer low introductory APR's on both balance transfers and purchases.

Meanwhile, be aware that with a balance transfer credit card, all the payments you make will likely first be applied to the 0% portion of your debt. As a result, any other credit card spending will accumulate interest until the transfer is paid off and you can then tackle the most recent charges.

However, all these warnings do not mean that a credit card balance transfer is always a bad idea. In fact, balance transfer credit cards can really work in your favor if used sparingly. If you don't go overboard with transferring balances, and pay attention to any balance transfer fees your credit card may carry, transferring your balance to a lower interest credit card can be an excellent way to save yourself some money as you pay down your debt.

Upgrading Those Rims

Does your ride look old or dull? Do your friends roll on tricked out cars? A major look enhancer for your car can be modifying the rims. Car rims are like hair on people. Changing that hairstyle can usually be a subtle change but can enhance your over all look. By principle changing your car rims may make your ride look sporty but that's all there is to it the look. But this can cause losses on power and on your pockets.

Choosing the Right Diameter Size

Initially everyone wants their ride to stand out from the rest, shoving an almost impossible to steer rims under that fender. Some would go as big as 20 inch rims for that Asian compact car, but would that be all worth all the hassle, all the trouble it can cause for not being able to steer well?

Aftermarket rims come in all sizes starting from 13 inches to a whooping 26 inches all suited for compacts, muscle, Asian Utility, and Sports Utility Vehicles. Now for all serious racers or budding racers to be, it is a must to know that to the bigger the rim diameter the heavier it becomes which translates to a loss in precious horsepower. But for those who opt for form over function the bigger the rims the lower the car looks. When the rims are bigger in diameter the tire size becomes thinner and the wheel becomes heavier. The thinner the rubber the more expensive it can get.

Is Having a Custom Rim Worth All That?

Having a custom ride starts with the rims and this could turn your ride into a chick magnet. But would this be all worth it? Installing custom rims could alter your ride's handling and gauge readings.

The car's speedometer can be affected if you change the diameter of the rims and the tires especially if it is bigger or smaller than what it had on from the factory. Having larger wheels can trick the car's gauges to think that the car is going slower since there is lesser wheel revolution per kilometer or mile covered. With this set-up the driver might get speeding tickets and a wrong reading on the odometer.

Bigger rims can make the driver cause an under steer in order that the tires and the fenders don't come in contact with each other. This as well prevents damaging the paint. Another thing to be extra careful about if you are driving a vehicle with wheels having large diameter rims are potholes, street gutters and street furniture. A wheel that has thin rubber tires means that the rims are closer to the ground and may come in contact with street furniture and potholes that could damage your rims permanently.

What Internet Sites Will Do Custom Car Stereo Installations?

There are many different types of car stereo systems that you can install in your car. Some of these car stereos will be in the very expensive price range. There will be others still that you can easily afford without too much of a problem. One way of getting a great car stereo that works to the specifications that you want is to see about having a custom car stereo system installed in your car.

You can explore the various options that are available for custom car stereo parts and decide which ones are more suited for you and your budget. With this information you will need to visit various internet sites that can help you to select the different car stereo suppliers and see if they are willing to do custom car stereo installations. This type of information is very relevant as you will need to decide on the best route to take.

Now instead of settling for one particular company you might want to see what the various other custom car stereo installers can offer you. These companies may also have other items that you will find of use, in your hunt to build the best sound system that you can afford. This round of pre-shopping can save you the future hassle of tying to find good quality stereos that have low prices.

After you have finished your research in custom car stereo systems you can decide which store you want to buy your new car stereo from. You will need to see the various other custom car audio systems that are in stock before you come to a final decision. Well before you even think of buying the custom car stereo you have to see the various specifications and verify if that system will work in your car.

Once you have found whether this type of custom car stereo will be good you should investigate the amount of money that will be required. Now if all of the facts about the custom car stereo are satisfactory for you, the next step is to buy the car stereo. After your car stereo is purchased you should see about installing this stereo in your car. A final testing will reveal if your new custom car stereo is working to your satisfaction.

Now that you know all of the various items that are needed to give the perfect custom car stereo you should have these notes including that of the various parts that you have used kept in a safe place. These will come in handy the next time that you have to buy or make another custom car stereo or if you wish to upgrade the various parts.

What Internet Sites Will Do Custom Car Stereo Installations?

There are many different types of car stereo systems that you can install in your car. Some of these car stereos will be in the very expensive price range. There will be others still that you can easily afford without too much of a problem. One way of getting a great car stereo that works to the specifications that you want is to see about having a custom car stereo system installed in your car.

You can explore the various options that are available for custom car stereo parts and decide which ones are more suited for you and your budget. With this information you will need to visit various internet sites that can help you to select the different car stereo suppliers and see if they are willing to do custom car stereo installations. This type of information is very relevant as you will need to decide on the best route to take.

Now instead of settling for one particular company you might want to see what the various other custom car stereo installers can offer you. These companies may also have other items that you will find of use, in your hunt to build the best sound system that you can afford. This round of pre-shopping can save you the future hassle of tying to find good quality stereos that have low prices.

After you have finished your research in custom car stereo systems you can decide which store you want to buy your new car stereo from. You will need to see the various other custom car audio systems that are in stock before you come to a final decision. Well before you even think of buying the custom car stereo you have to see the various specifications and verify if that system will work in your car.

Once you have found whether this type of custom car stereo will be good you should investigate the amount of money that will be required. Now if all of the facts about the custom car stereo are satisfactory for you, the next step is to buy the car stereo. After your car stereo is purchased you should see about installing this stereo in your car. A final testing will reveal if your new custom car stereo is working to your satisfaction.

Now that you know all of the various items that are needed to give the perfect custom car stereo you should have these notes including that of the various parts that you have used kept in a safe place. These will come in handy the next time that you have to buy or make another custom car stereo or if you wish to upgrade the various parts.

The Next Generation of Performance Exhaust - Diesel Exhaust Systems

I have to admit I am a fan of everything that allows my car to get faster and louder. For ten years I have tried to pimp my car to be the boss of the highway. I am 26 and have been living in San Diego for 20 years now. I think my love of fast cars developed when my father took me with him to see his friend's Lamborghini. This is the greatest car I have ever seen. To be honest, it was the only one I had seen at the age of 10, but I loved it instantly; the sound, the speed, the coolness automatically transfers to the driver when he enters the car. 17 Years later I am still looking for the ultimate adrenaline rush from my car. And I think now I got it: The new Dieses Exhaust system is responsible for my next step to become the king of the road. The combination of speed and sound reminds me all the time of my experience with the Lamborghini.

So I bought the new JBA Headers yesterday. These headers replace restrictive stock manifolds with precision built exhaust headers that maximize exhaust flow for major increases in horsepower, torque and throttle response. And they include premium mounting hardware for bolt-on installation. That sounds good, doesn’t it? And the description is not the only one that sounds good; my car does as well. I am not sure, if I have mentioned what kind of car I have, so I will do so now: A PT cruiser, which now has 20 more horses under the hood than 2 days before. And seriously I love being the loudest, being the fastest, being the hottest on the road.

Now, I think my dream is coming true; the dream I had in the age of ten. My dream includes a hot blond wife who takes care of me when I need to get a good treatment, two children who I can teachto play baseball and football, and a hot, fast car. Ok honestly, I don't have a wife. The only woman I sometimes see is my cleaning lady Maria and she is a bit too much woman for just one person, if you know what I mean. So I have no family, but at least my car is still louder and faster than the one of my dream. So I can really say that my dream came true.

Motorcycle Storage: Tips from the Pros

You love your motorcycle so much you would skip riding your friends new SUV because you just enjoy the cool brush of the breeze though your hair as you cruise through the road. But now it is winter and you cannot dare put it on the road because that will almost be suicidal. So, what motorcycle storage techniques should you use to make sure that it stays in perfect condition and will be ready for riding next spring?

Here we will look at how you can maintain your motorcycle while you anxiously wait for spring to come knocking. Here are a few tips that I use and that may also help you, too.

Charge Your Battery: You know that your motor bike discharges totally after about two weeks. The implication is that if you leave it like that for three months, you will have to buy a new battery at the beginning of next season before you can hop on that bike again. A way out is to buy a battery charger that you can permanently attach to the battery thereby allowing it to charge automatically. It shuts off when the battery is full and recharges it when it becomes too low.

Maintain the Fuel System: Overtime the fuel will become stale, become gummy and build up varnish. This could result in hard time for you starting the motorcycle next season. To prevent this, you could use any of the fuel additive products out there to help stop the unpleasant effects of aging gas and stabilize the fuel system.

Maintain Good Temperature: If you keep your motorcycle in a place of humid temperature or very hot temperature you may damage it and even cause it to crack. A possible solution is to store your motorcycle in a heated garage. But if you dont have that you can buy a good motorcycle cover and keep it wrapped in that. You will then have to take out every few days to get some sunlight. This will ensure it neither gets too heated to cause it to crack nor suffer from moisture that may damage the tires among other parts.

If you follow these motorcycle storage tips you would in addition to saving yourself a lot of money buying new motorcycle parts, also be saving yourself a lot of headache.

But one more thing before you hop on that motorbike when spring comes around make sure you do a thorough safety check on your motorcycle. See to it that your riding gear, safety equipment, switches and lights are fully operational. And dont forget to have your motorcycle insurance policy current.

Just remember, when spring is here again ride safe.

Acura Performance Chip: the Best Solution for Increased Performance

For an Acura to really stand out, it must first perform at its best. To achieve this, engine power must be increased -- a task done electronically by the Acura performance chip. Also known as a power programmer or a performance programmer, the performance chip optimizes a vehicle's fuel and ignition system to extract the maximum amount of horsepower and torque possible. It replaces the car's standard engine control unit (ECU) chip, which is responsible for managing the internal combustion engine's operations.

An Acura performance chip consists of lookup tables that contain fuel rate values. These values are increased according to a particular driving condition, resulting to a maximized engine performance. Normally, an Acura performance chip is situated inside a car body's interior, where it is heavily protected from the different elements. Most performance chips, however, can be accessed through the passenger’s side glove compartment. Others are at the passenger’s side front door.

An Acura performance chip works by integrating the functions of the old-time tuners onto a single computer chip, virtually re-programming an engine system to offer increased power and higher torque. It is designed to improve the fuel/air ratio and spark map in engines to deliver the exact the demands of vehicle owner. Other benefits include greater fuel mileage,and impressively clean emissions, alongwith an engine operating at its full potential. Acura performance chips can also raise fuel injection' efficiency, eliminate speed limiters, increase torque, calibrate the speedometer, adjust ignition timing, reset shift points, tweak shift firmness, and check diagnostic codes.

Installation of an Acura performance chip is not assiduous since all the needed tools and information are available both online and in the market. Getting an Acura performance chip is indeed, an easy and excellent way to boost automotive operation and performance.

How to Solve Pc Problems and Improve Performance With Windows Registry Cleaners

Just like with a car your pc needs software maintenance to keep it running smoothly like the first time you booted your pc. A common cause of Windows crashes, error messages and performance problems are the result of registry inconsistencies. Windows registry cleaners can fix these problems for you and make your pc running smoothly again. There is another solution to resolve these problems: a complete reinstall o the operating system and all the programs you installed! This drastic solution will take you more time and effort, because you have to backup your data of each program and also save all the settings you made. I recommend using Windows registry cleaners to solve the problems instead of doing a complete reinstall.

What is the registry? The Windows registry is basically a database with all the information about your pc. Windows maintains this database and stores settings and information about your hardware and software. All the changes which are made to the pc are stored as keys in the registry. From the moment you start the Windows operating system it will read and add registry settings about your hardware and software. Each time software is installed or uninstalled entries are changed or removed.

Unfortunately these entries in the registry are not removed properly causing problems in performance or failures like system errors. Due to the adding and removing of hardware and/or software to the system the registry increases in size and it takes more time for Windows to read the registry. With registry cleaning software you can successfully purge these entries from the registry getting better performance and a smooth running pc.

Most Windows registry cleaners offer the option to backup your registry and to perform a scheduled scan. It is advisable to make this backup so that you can restore the registry in case you encounter any problems after the cleanup. The scheduling feature lets you schedule an automatic scan of your pc at a predefined date or time interval. If you are not using this option I would recommend that you run the software each time when you have uninstalled several programs or at least once a month. Another recommended option that most programs offer is to defragment of compress the registry. This will make the file smaller and thus it will be faster for Windows to read the registry for values it's looking for.

Data Cleansing

So much database types as well as system weared. Where the system have to support execution of work but in other matter will very complicate in the case of reporting system, because possibly one of the problem of datas amount which so much, disagree with used systems. It is of course become dilemma in making of reliable report and data integration which earn to be trusted.

Challenging from qualified management data is a[n critical component concerning business guarantee. In this time many technologies supporting from various aspect of " extract, transform, load and ( ETL) process, is but designed especially for the examination of, authentication, and sweeping for the things assuring qualified data. Technology like that have to can access and refine / tapping data of any source, including former data and data system of non-relational. That have to provide a[n step make an audit of when testing data to ascertain the integrity of and identify all and anomalies of inconsistencies. That Thing have to convert, cleaning, readjusting, and strengthening data is such as needed. Also have to can unite and clean ( data cleansing) in final repository, providing analysis and give report detailedly and summary. Finally, can walk very efficient, timely, costeffective in processing data.

Trust of data which do not consistence, complete ketidak or mistake of data can become " Risk Business" unacceptable. Data quality is a[n vital component as guarantee of[is continuity of company business. Quality of bad data can endanger attainment of efficiency and target of operational system. That Thing also can erod value of business information system, above of him entrust to make decision. based on decision is bad data, can cause monetary loss directly, destroy network, and destroy company credibility. Some companies recognize data as strategic asset, leader of business hold responsibility to ascertain correctness, quality of, and reliability of information.

In a Data Base figuring in more than 20 million data archives, prima facie strength [is] efesiensi shortened process time, delivery of data ( Extract), Transfer of into other form ( Transform) and Inclusion / Import ( Load) - ( ETL Process). The same as sweeping of effective data, conversion, and authentication is important for the success of than equipment of Data Base.

Data of Cleansing is covering some processes as follow:
1. Data Definition
Intake process ( Extract) Data of Database and or from other system, from various format type and data base type like Oracle, AS400, Dbase, Foxpro, SQL, Excel, Text, and others). Data Extract can be conducted by 2 methods:
• Direct Method
Data taken by connect is direct the than Database, with snapshot technique - only read henceforth to process.
• Indirect Method
Data taken indirectly from Database conducted process degradation of Data beforehand to format . txt henceforth to process.

2. Verification and Data Integration
Process Verification Data is process inspection of data per record pursuant to the data type and field of like format of date, ascii, numeric. etc
Target of process the data verification is to ascertain entire/all data to be processed have as according to format of Source got Data of Text / Database..

3. Data Cleansing
Process Data of Cleansing, in this case that is doing standardization in entire/all database to be content than the data base as a whole according to the format form or standard of [is] same, like determination :
• Writing of Block letters / Lower Case
• Writing of title
• Uniforming of Abbreviation word
• Tanda baca (Ex : - _ . , ; and etc)
• Conversion Letter of Romawi (ex: V = 5)
• etc

4. Data Identification
Process identify can be done by using some conditions pursuant to fringe which have been determined. As for obtained result from identifying data earn like.:
• Active Customer number
• Customer Non Active (based on criteria)
• Data Duplication
• Single Data

5. Data Matching
Adjustment process or adaptation of data ( " Match" or " Note of Match") pursuant to some alternatives like :Nama Customer dan Alamat Customer
• Customer Number
• etc

Oscommerce Customization

OSCommerce is an online shop e-commerce solution. It is one of the most versatile shopping cart solution and offers vast range of customization options to online store owners depending on their need at an affordable price. OS Commerce combines open source solutions to provide a free and open e-commerce platform, which includes the powerful PHP, web scripting language, the stable Apache web server and fast MySQL database server. OS Commerce is a complete online store solution that contains both a catalog front end and an administration tool backend.

Some of the features include:
• Supports unlimited products and categories
o Products-to-categories structure
o Categories-to-categories structure
• Add/Edit/Remove categories, products, manufacturers, customers, and reviews
• Support for physical (shippable) and virtual (downloadable) products
• Administration area secured with a username and password defined during installation
• Contact customers directly via email or newsletters
• Easily backup and restore the database
• Print invoices and packaging lists from the order screen
• Statistics for products and customers
• Multilingual support
• Multi currency support
• Select what to display, and in what order, in the product listing page
• Support for static and dynamic banners with full statistics
Customer / Front end Functionality
• All orders stored in the database for fast and efficient retrieval
• Customers can view their order history and order statuses
• Customers can maintain their accounts
o Address book for multiple shipping and billing addresses
• Temporary shopping cart for guests and permanent shopping cart for customers
• Fast and friendly quick search and advanced search features
• Product reviews for an interactive shopping experience
• For seen checkout procedure
• Secure transactions with SSL
• Number of products in each category can be shown or hidden
• Global and per-category bestseller lists
• Display what other customers have ordered with the current product shown
• Breadcrumb trail for easy site navigation
Intellinet System team has customized and successfully deployed several osCommerce applications and in the process, has understood the underlying architecture osCommerce engine to further customize it to the client specific needs.

Dimension India also offers following open source customization services:
• Open Source Community portals - PHP-Nuke / Post-Nuke
• Open Source Search Engines - ASPSeek
• Open Source Software Issue Trackers - Bugzilla / PHPbt
• Open source content management systems - OpenCms