Monthly Archives: February 2017

The Importance of a Balance Sheet

An individual has two primary tools for managing personal finances. The Personal Balance Sheet is ignored and the Budget is the darling of Financial Consultants and the media. The key to understanding personal finances is that you have to understand your Budget and Balance Sheet individually and also how they work in combination to give you a complete snapshot of your personal finances.

Your balance sheet is extremely important because it shows you where the gold is. It is your personal Fort Knox. It is also extremely important because you need to have a stash of gold in your personal financial picture. The gold in your Balance Sheet is not the Assets. They are the positive side of your Balance Sheet but the real picture of how much gold you have in your Fort Knox is your Net Worth. So just as important to your Balance sheet is your Liabilities. The total of your Liabilities is subtracted from the total of your Assets to give you your Net Worth.

You fill out your Balance Sheet and total up your Assets and Liabilities. You subtract the total of your Liabilities from your Assets. That number, your Net Worth will come out to either a negative amount, an amount of or near to zero, or it will be substantially positive. These are the only 3 scenarios possible.

• If your net worth is a minus number, you are not managing your financial resources properly. Your Balance sheet is your report card and you are failing. It is that simple. If you are managing your money to deal with life’s challenges and planning your personal finances with your retirement in mind, your Net Worth should be positive and growing. If your Net Worth is positive, you can ride out financial storms like the current situation. At the time of your retirement, your Net Worth must be substantially positive so that you will be able to keep costs down and have investment income to replace your working income. During your working years, your Net Worth should be growing steadily because a retirement nest egg does not grow without years of nurturing.

• There are circumstances where it is acceptable to have a Net Worth of Zero or near Zero. The first is when you are just starting out. It just makes sense that it would be zero. You may have student loans but that is offset by some form of education that will allow you to make more money in the course of your lifetime. The key is that this is the best time to start building your net worth. It allows the principal of compounding value to work its magic on your assets for decades. That saves you a lot of work later in life. However, most of us are not that wise and we find ourselves in our 30s and 40s with little or no Net Worth. This means you have less time for compounding to work. So you have to work harder and especially manage your money smarter to prepare for the financial challenges you face going forward. The nice thing is that you have probably made some mistakes that have made you much wiser. You should be able to recover much faster than you would have in your undisciplined youth.

• If you have a positive net worth that means that you are building assets. Just as important is that you are controlling your debt. This is the key that has probably gotten you to this situation. The key to a positive Balance Sheet is that debt offsets the value of your assets when you look at your personal finances as a complete picture so your debt / equity ratio should be less than one and get smaller and smaller. Debt servicing saps cash flow on your budget that could be used to build assets that can be used to produce income in your retirement years. Clear title ownership of assets such as your home reduce cash draw and this is incredibly important as you approach retirement.

The financial crisis we are in now is described as a Balance Sheet crisis. We are in this crisis because nobody was paying attention to their Balance Sheets, not even at the towering heights of our financial infrastructure. The symptoms were everywhere. The while researching the I found That the top sites on the internet for Balance Sheet are On Those WHO COMPLETE want to sell you something so they ‘re That can gain access to any Assets on your balance sheet That Might be left after this disaster. Before the disaster, the only thing that had any importance was whether a potential buyer of anything could afford to make the payments on whatever he was buying assuming he made 120% of his stated income. The most outrageous symptom was that people would take appreciating home equity and borrow against it to buy depreciating assets and consumer goods. They overbooked their budgets and now they have gutted their balance sheet.

The resulting loss of home values ​​is the disaster we have now where people have either a zero or minus Net Worth. The other aspect is that we are now wiser. For the good of our society and our financial infrastructure we had better be. Going forward we must pay attention to our Balance Sheets and recognize that is where the gold is. You must save and protect your gold. Net Worth is where financial power is and that is the Importance of a Balance Sheet

A Compaq Guide About Business Setup in Dubai

Dubai is the one of the fastest growing business hub with the state of the art facilities available for local and international business. Dubai is an integral part of business world and is leading with innovation. Dubai is politically stable and has strong economic culture and government of Dubai offer friendly business regulations which attracts the investors from around the world. This article will provide you a Compaq guide regarding business setup in Dubai. Before you start your business in a unbeaten economy like Dubai first you need to under the culture of it. Dubai being an international city is a multi-cultural city, people from all around the world are present in Dubai. After familiarizing yourself with the cultural you must learn about the rules and regulations and kind of the business you can start.

Legal structure of business setup in Dubai is according to UAE Federal Law No. 8 of 1984, and after the amendment in Federal Law No. 13 of 1988 – the Commercial Companies Law, and its by-laws regulate the function of foreign business in Dubai, United Arab Emirates. In wide terms the requirements of these regulations are: The Federal Law requires a total local equity of not less than 51% in any commercial business and describes seven categories of business organizations which can be established in the UAE. This regulation explains the requirements in terms of shareholders, directors, minimum capital requirements and business incorporation processes. This law further lays down the requirements of governing conversion, merger and dissolution of companies and businesses.

In Dubai, you are given plenty of opportunities; you get benefits of best economy based on strong administrative foundations. Authorities of Dubai have divided the city in different economic jurisdictions. You can start different types of businesses in Dubai bases on type of business and location; types are divided in three main categories which are Mainland, Free Zones and Offshore. Another thing to remember is that Dubai welcomes foreign investment but there are rules and regulations that must be followed. In order for you to enter in Dubai, UAE you need to have sponsor, a sponsor will take your responsibility. Importance of a sponsor can be determined by the fact that for any purpose if it is business or you are just visiting you must have a sponsor. When it comes to start a business in Dubai you are require having a sponsor, any kind of business needs a sponsor or service agent. In mainland a local resident or a of United Arab Emirates based company act as a sponsor, for professional service you need service agent as sponsor and for setting up a free zone business you also need a sponsor, in this case free zone acts as your sponsor.

Business setup in Dubai mainland requires you to have a valid license issued by the administrative authority. The name of the authority is Dubai Economic Development (DED); it is a government agency responsible for issuing the business licenses. Renewal of the license, cancellation and up-gradation are also handled by Dubai Economic Development (DED). To ease the investors Dubai Economic Development (DED) operates for different localities, thought scrutiny process of the application is strict but department ensures the quick application processing. In Dubai mainland, Dubai Economic Development (DED) issues four types of licenses, commercial, professional service, Branch office and industrial license.

To setup your business in Dubai mainland under commercial license you are by law mandated to have the help from local UAE resident which is also called local sponsor. Local sponsor is by law hold the 51% shares of your business and you will hold only 49% of shares. However you are given full administrative rights. You can draw contracts with local sponsor and allocate a yearly fee for being a sponsor. Local sponsor sometimes work as silent partners. Local sponsor can be an individual or it can be a UAE based company or group.

However, if you are setting up a business which involve professional services you don’t need to have a local sponsor, in that case you only need a service agent. Service agent works on your behalf and helps you deal with the local administrative authorities to start your business. You are allowed to hold 100% of your professional business and service agent will only be paid once for the service he offered.

Free zones are special economic zones in Dubai which are specially designed to attract the foreign investment. Free zone based business are fully owned by the investor and there are plenty of options to choose with. Every free zone in Dubai has a governing authority or free zone authority. For business setup in Dubai you would need deal with the free zone authority. You may be asked by the authority to provide different legal documents before you finally give the go ahead in form of license by that authority.

Free zone offers different attractive options for foreign investors such as you are given 100% of ownership of your business. There are many options free of tax you can avail like no personal income tax, corporate tax exemptions. There are different types of business setup options in Dubai free zones like you can start of your business enterprise as a limited liability company or service provider organizations, there are different licensing options. Business setups in free zones are allowed to perform international trades. When time comes you can easily wind your business. There is less paper work involved when it comes to end your business from a free zone.

Offshore is another type of business setup offered in Dubai and has been very famous. Offshore means a business entity setup outside of the resident country in an offshore jurisdiction. Dubai offshore jurisdiction provides number of benefits to your business in terms of asset protection, tax optimization and business expansion. Businesses setup in Dubai offshore jurisdiction must abide the offshore companies rules and regulations and is not allowed to trade inside the offshore jurisdiction.

To sum up, after making decision with the kind of business you are willing to start in Dubai you need to deal with the concerned authority. The best way is to hire a professional help. You will be able to find number of consulting firms who are willing to help you deal with the paper work and the authorities. You will be asked by regulating authorities to provide different documents and submit paper work.

Here are few steps you may follow, first of all do research and decide the type of business you are willing to embark, choose jurisdiction and follow through. It is recommended to get the help from a professional when it comes to business setup in Dubai. Ready your paper work for the licensing and get a guide on licensing terms and conditions as there are certain activities you are allowed and certain activities you are not allowed to perform. There are license you can choose which allows multiple business activities.

What Is an AGO Oil Product or Automatic Gas Oil? Finding Authentic AGO Petroleum Supply / Supplier

A recent survey conducted by this writer on the Internet for a quick, snap shot sense of the subject matter, immediately revealed that there's a state of relatively scanty knowledge of, or information about, this particular refined petroleum product called the AGO, among international oil dealers and suppliers. In deed, in one rather remarkable instance involving a popular 'Ask for Answers' online discussion portal, one reader expressly posited the question, soliciting information from the readers as to what is / was 'the meaning' of the petroleum term AGO, among three other refined petroleum products, which he went on to list – DPK, PMS, JET A1. There was just one response – a response that has stood the same for 5 years since. Oddly enough, however, of the 4 oil products that the answerer named, the answerer was exactly accurate in the definition he proffered on three of those. But, on ONLY one of them, the AGO product, the answer given by the answerer was somewhat slightly off, as he gave the definition of the product as meaning 'Automotive Gas & Oils.'

So, first, we start with this basic question: What is AGO Oil Product, or the Automotive Gas Oil?

What the AGO Oil Product Is

The term AGO, which specifically stands for the Automotive Gas Oil, is the name given to the fuel type that's used by road vehicles (cars, trucks, buses, vans, and the like) that are powered by DIESEL engines. That is, in a word, it is the diesel vehicle engine fuel. In terms of how the fuel gets to be produced or manufactured, the fuel is the type that, in the distillation and processing of crude oil work, is obtained in the mid-boiling range of that process. Related fuels which are used for non-road applications including off-road diesel engines, such as the Industrial Gas Oils (IGOs), are obtained from the same 'fraction' of the crude oil barrel.

Technically speaking, the term Automotive Gas Oil (AGO) is the technical name used by the oil industry in describing this particular fuel. However, in terms of the ordinary consumers in the market, the term 'automotive diesel fuel,' or just plain 'diesel,' is the more commonly used and more widespread name that the ordinary consumer uses in describing this fuel. Petroleum products are usually grouped into THREE categories : the 'light distillates' (LPG, gasoline, naphtha), the 'middle' distillates (kerosene, diesel), and the 'heavy' distillates and residuum (heavy fuel oil, lubricating oils, wax , asphalt). This classification is based primarily on the way crude oil is distilled and separated into fractions (called distillates and residuum). Within the oil industry, the generic oil industry name that's used to describe gasoils – which include both AGO and IGO – fall under the 'Middle Distillates' category, meaning those kinds of refined oil products whose 'boiling range' fall in the MIDDLE, that is, between those whose range fall in the higher levels or in the lower levels. (See the Chart below). As you can readily see in the Chart below, at a Boiling Range of between 520 to 650, the AGO falls right in the middle range of most categories of the refined oil products.

The Market & Primary Uses of the AGO oil Product Among Its Customers

AGO is used in two main types of vehicles: 1) the heavy-duty vehicles, such as trucks and buses, and 2) the light-duty vehicles, such as vans and passenger cars. In most countries, including the USA as well as the developing countries, the heavy-duty vehicles make up the bulk of the market for AGO. In a country such as Japan, there is a significant light-duty vehicle sector, but it is in Europe that the demand for AGO from this sector is highest, with more than one-third coming from the passenger cars and other light vehicles. Customer requirements between the two types of fuel usage differ to some extent. Diesel engines are widely used in heavy-duty vehicles. Such vehicles are frequently operated in fleets and are re-fuelled centrally with the fuel delivered directly from the supplier. In the light-duty vehicle sector, recent advances in engine design now also allow light-duty diesel engines to compete with gasoline engines in terms of the performance standards. Light-duty vehicles are generally re-fuelled through retail outlets. In any case, whether it is in the light-duty sector or in the heavy-duty sector, in both sectors the customer will generally be looking for the fuel that provides economy, power, reliability and environmental acceptability.

Use As Car Fuel

Diesel-powered vehicles, such as AGO-powered vehicles, generally have a better fuel economy than equivalent gasoline engines and produce less greenhouse gas emission. Their greater economy is due to the higher energy per-liter content of diesel fuel and the intrinsic efficiency of the diesel engine. True, petrodiesel's higher density results in higher greenhouse gas emissions per liter compared to gasoline. However, the modern diesel-engine automobiles have a 20-40% better fuel economy, and this well offsets the higher per-liter emissions of greenhouse gases, while a diesel-powered vehicle emits 10-20 percent less greenhouse gas than comparable gasoline vehicles . Biodiesel-powered diesel engines offer substantially improved emission reductions compared to petrodiesel or gasoline-powered engines, while retaining most of the fuel economy advantages over conventional gasoline-powered automobiles.

How Crude Oil Fractions Are Processed Into Refined Oil Products, Including AGO and Other Products

How do we get to have refined petroleum products, of which a product like AGO is one? Put simply, it is out of the refinery processing (ie, out of the 'refining') of crude oil that many other usable products – products that we generally refer to as refined or finished petroleum products – are produced. Meaning products such as gasoil, gasoline, kerosene, AGO, etc. The process of oil 'refining' or processing is a very complex one, and involves both chemical reactions and physical separations. The substance that's called Crude Oil is composed of thousands of different 'molecules,' and according to chemical engineers and molecular experts, it would be nearly impossible to isolate every molecule that exists in crude oil and thereby make finished products from each molecule.

Consequently, the way chemists and engineers deal with this problem, is simply by them isolating the mixtures (also called 'fractions') of molecules according to what is known as the mixture's "boiling point range." For example, molecules for the gasoline product might boil within the 'range' of from 90 to 400 oF. While the range at which the home heating oil product's molecular mixes could boil might be from 500 to 650 oF, and so on. For purposes of convenience and simplification, each mixture or fraction is assigned a specific name to identify it.

The following chart illustrates the 'boiling range' and name of the petroleum fractions.

Fraction

Boiling Range, oF.

Butanes and lighter

<90

Light straight run gasoline (LSR)

or light naphtha (LN)

90-190

Naphtha or heavy naphtha (HN)

190-380

Kerosene

380-520

Distillate or atmospheric gas oil (AGO)

520-650

Residua

650 +

Vacuum gas oil (VGO)

650-1000

Vacuum Residua

1000 +

In sum, refined products are products that are produced by isolating the mixtures or fractions of molecules that come from the raw crude oil, and combining them, along with those from various refinery processing units. These fractions are 'blended' or mixed to satisfy specific properties that are important in allowing the refined product to perform in accordance with the specifications or requirements that are designed by or in an engine, in terms of ease in handling, reducing the undesirable emissions produced when the product is burned, etc

FINDING OR OBTAINING A SUPPLY OF THE AGO

Simply stated, the KEY term and task here is finding an authentic AGO oil product supply or supplier. Or an AGO buyer, as the case may be. Post why? This is simply because, today, in the international refined oil products trading market, specially in the so-called "secondary" market, probably the single most fundamental and most difficult common problem which legitimate dealers who seek to find reliable suppliers have, is often NOT so much finding a party who will claim heaven and earth that he / she has the AGO oil product to sell and can supply you the product. Or that he can buy one from you, as the case may be. BUT finding such a party who is actually AUTHENTIC & LEGITIMATE, and can actually DELIVER on the product.

MOST PEOPLE WHO SAY THEY'RE SUPPLIERS OF PRODUCT PROVIDE NO VERIFIED OR VERIFIABLE PROOFS OR SOURCES

A well-established reality and a given today, is that in world oil deals involving trading in the crude oil and refined petroleum products, specially in the so-called international "secondary" market, probably the single most fundamental and most difficult common problem which legitimate buyers frequently confront today, is the problem of the genuineness and authenticity of the supplier of product and his ability to deliver on the sales offer he presents. Refined petroleum products, such as AGO, D2, Mazut, Jet fuel, etc., are certainly not immune or exempt from such endemic problem that seems to plague the entire secondary market oil trade industry, but rather are, in deed, right in the middle of it.

It's a problem whose central source can simply be summed up in one word – namely, that not unlike most persons or entities who claim via the Internet to be oil or petroleum products suppliers or "sellers," most who claim to be suppliers of AGO, as well (or of similar refined oil products, such as the diesel gasoil or Russian D2, Mazut, Jet fuels, and the like), either provide NO proofs or evidence at all of that, or provide proofs or evidence that are often absolutely meaningless because they're unverified and unverifiable. That is, for the serious or credible Internet petroleum buyer involved in the world oil deals and seriously intent on finding duly verifiable authentic AGO oil product supply or supplier, there are generally just NO such supply or suppliers of the product in the so-called " secondary "market.

Most such serious or genuine AGO buyers (or suppliers, as well, as the case may be) seeking to find equally genuine AGO suppliers (or sellers seeking buyers, when applicable) in the international secondary market, find that the problem is particularly acute and compounded by the fact that almost all "sellers" (or suppliers), or their brokers or intermediaries, that one meets on the Internet, are essentially unknown, unestablished dealers who lack any name, reputation or identity, or any known location on the planet , and lack any record or history of past performance in doing the business. In consequence, a serious AGO buyer, for example, is often being asked – and actually being realistically expected – to, in effect, merely take "the word" of some dubious, anonymous, unidentified and apparently unidentifiable, phantom "seller" or " supplier "for it, with no credible supporting evidence provided, and no verification or authentication whatsoever of the Internet seller's offer or claims.

In sum, he's being asked – and actually being expected – to risk, or, rather, to gamble away, his hard-earned mini-fortune of some hundreds of millions of dollars merely on such a "word."! This, it should be added, is being expected of the buyer in a business environment and climate that is patently awash in fraud and a network of notorious scammers worldwide!

WHERE TO BUY AGO OIL PRODUCT, HOW DO YOU FIND THE SUPPLIERS?

Clearly, then, if you are a real buyer of product seriously intent on finding authentic diesel AGO oil product supply or suppliers (or those of any similar refined oil products, such as the diesel gasoil or Russian D2, Mazut, Jet fuels, and the like) – meaning one that is duly verified and verifiable – probably the most critical, vital, even life-or-death task for you, is that you had better be sure to develop, in some way or manner, a skilled and effective strategy for finding, vetting, selecting out and authenticated suppliers that can provide you reliable steady supply of the product, and which will be scam-free, assured, and long-lasting.

How?

Quite oddly enough, the answer to that question is actually not that complicated or complex. For our limited purposes here, suffice it simply to just say, that there is, in fact, such a methodology, tool and strategy for doing just that long in practical use in the industry. Long in practical use by knowledgeable, experienced and trained eyes and experts, and the successful traders, in the business. If you are, yourself, in fact a provable legitimate trader or authentic practitioner of the petroleum trade (assuming you are actually one) operating in the secondary market, and are truly serious about finding and securing authentic and reliable AGO oil product supply or supplier, or about finding and securing a buyer of equivalent caliber for the product, as the case may be, that's actually readily within your reach. There's just really one crucial proviso, only – namely, PROVIDING that you're equipped with the requisite knowledge, skill, training, tool, methodology and practical experience, by which to undertake the whole process of doing so.

To be sure, true, in today's world oil deals of the international secondary market, including sourcing for AGO product, which is largely an Internet-dominated world, and is for the most part prevalently awash in fake dealers and scammers, finding duly verified authentic petroleum or automotive gas oil product supply, suppliers and sellers of such caliber (or buyers, just as well), is not ordinary or commonplace. Nor is it at all an easy task to attain. It is, however, by no means impracticable, nor are such suppliers non-existent. Far, far from it! Quite to the contrary, such suppliers abound. It's only that you just have to search around for such suppliers (or the legitimate buyers, as well, as the case may be) more diligently and skillfully and in the right places from the right sources, and know precisely how and where. That requires, unavoidably, supreme industry knowledge, skills set, training, know-how, connections, precious time expenditure, and experience.

FOR A FOLLOW UP

YOU WANT TO FOLLOW UP ON HOW TO FIND AUTHENTIC AGO OIL PRODUCT SUPPLY OR SUPPLIERS, OR EVEN BUYERS, THAT ARE ALREADY VERIFIED, CONFIRMED AND VERIFIABLE AND SCAM-FREE? Please see the link provided in the author's Resource Box below.

What Services Do Property Management Companies Offer?

Owning real estate is a wonderful feeling, especially for those who have really toiled for many years to become a property owner. Though it might sound a little materialistic, but a property is actually a mark of someone's hard work. Thus, when a family has to relocate to some other place far from their land or property, due to job commitment or any other reason, it is a natural concern to be worried about the property. Managing the property effectively, without keeping an eye on it regularly, is almost impossible for the landlord. This is exactly when a property owner should start looking for a professional property management company. However, it is good to know what services these property management companies offer before you go ahead and fix a meeting with any agency. This would actually give you a clear idea of ​​what you should expect and ask for while interviewing the property manager.

Basically, these companies deal with flats, villas, independent houses, rental apartments and commercial properties. Once you sign a legal agreement with any of these companies, it actually becomes their responsibility to rent out your property by searching suitable tenants. To look for right tenants, they advertise your property through the local media. The replies that come to the property advertisement are promptly attended by the company. Their expert staff then shows the whole rental property to the prospective tenants. In fact a clear and detailed report is provided to the landlord on all those potential tenants who had come to check out the property. This is to ensure that the landlord makes a right decision. Once the tenants are finalized, then the company would execute a rental agreement.

The responsibility of the company does not end here. They collect monthly rent on the landlord's behalf and deposit it into his bank account. Apart from the timely rent collection, the professionals would also visit the property regularly, in order to make sure that it is efficiently maintained and not harmed by the tenants. Professional photographers are hired to take the photographs of various parts of a property to be sent to the landlord. Though these visits by the property managers are periodical, they are always keen to help tenants if they find anything objectionable.

Also, in case there is a repair work to be done, the company takes care of it by appointing an external contractor to fix the problem areas. Another very important service offered by a property management agency is conducting an inventory audit. It is conducted when a property is rented out to a tenant and when he / she vacates it. The reason for conducting this audit is to make sure that all physical assets of the property are in a good condition. To summarize, the services proffered by a property management company play a pivotal role in reducing the burden of a landlord, owning multiple properties. Therefore when you actually enter into a contract with such a company and you can indeed be totally assured of getting quality services.

Thinking of Buying a Used Mobile Home? 18 Steps For What to Watch Out For and How to Do it Right

If you are thinking of buying a used mobile home, there are things you need to watch out for. Buying a mobile home is not like buying a regular stick built. You need to know what to watch out for before you buy a used mobile home. Here are 10 things to watch out for when buying a used mobile home. These tips will guide you to make the right decision and / or how to negotiate in your best interest. Better safe than sorry. My seven years of selling used mobile homes has taught me a lot. I am now passing on that information to you so that you can make an educated choice.

1. Age. If your finances are tight, do not buy anything older than 1977. That is the cutout time for good financing and also the year a lender can determine if the used mobile home is a HUD home. 1976 and older were registered with DMV and not built to code. Therefor, lenders requires a 20% down on a 1976 or older. The term will be no longer than 15 years and the rate will be somewhere around 11-12%. That is a lot to pay. 1977 or newer requires only 10% down, you can get 20 years of financing and the rate is 1-2% lower. That is a much better deal. If the home is newer, the rate can be as low as 8%. Preferable, look for a home that is no more than 15 years old.

2. Park. Not all parks are approved by the lenders. Before making an offer to purchase, get yourself loan approved for that particular park. If the space rent is too high or if there are too many foreclosures in the park, lenders might say no to financing.

3. Rent control. Is it or is it not? Most parks are but some are not. If not, make sure yo fully understand what kind of yearly increase the park will impose on you. You might not mind paying that extra increase per year but each time the space rent is raised, the value of your mobile home WILL go down. Its like a car, depreciating. Still, it beats renting an apartment with people above, below, left and right.

4. Crime. Does the park have a security program? Is the park patrolled regularly by a security patrol company? If not, you probably should stay away. Yes, it is true, all residents have to follow the rules and regulations but if there is no security, many things can happen. A security patrol is a deterrent, crime will go elsewhere. Call the park manager and inquire. You can also call the local police office and ask for a crime report. Strongly recommended.

5. Pets. What is the parks policy? Your 80 ldb golden retriever might have a VERY hard time getting approved. Same for your pitt bull or any other so called "vicious breed". Most parks will NOT approve them. There is only one park in the Santa Clarita Valley that will approve a large dog, even two. However, no "vicious breeds". How stupid. Recently, I had a dog trainer with good credit, a large down payment and a German shepherd. That dog was the most well trained German shepherd but no, considered "vicious". So are dobermans, boxers, pinchers, chows and a couple of more. Inquire with the park BEFORE looking at any used (or new) mobile home. Save yourself the time (and your agents) by finding out first.

6. Neighbors. Most people are nice. However, since you are going to be living in tight quarters (most mobile home spaces are small and set very closely together), go and talk to the neighbors. Both the ones next door and some a few doors down. The ones a few doors down are the ones that will tell you what REALLY is going on. Maybe the couple next door do not get along any more. Maybe there is an alcohol problem. Maybe the kids play too loud. You need to know. Drive by in the evening, hang around for a while. Do the same for the weekend. Spend an hour on a Saturday night, driving around the mobile home park, you will then now if this is a place for you.

7. Managers. Do they do a great job? Do they care? Do they make the residents follow the rules and regulations? Do they arrange get togethers every now and then? Any holiday dinners? Do they publish a newsletter to keep you updated? Do you feel welcome in their office? Most managers take great pride in their park and are happy to try to help you. Make sure that is the case.

8. Trash. An old toilet sitting at the end of a car port? Knee-high weeds? A car jacked up and being worked on in a carport? You do not want that. What you should want, is a clean, manicured park community where the residents take pride in their mobile homes and keeps their surroundings clean. A carport is not supposed to be used for storage (or a back yard). A shed is where you keep your excess belongings, period.

9. Mobile home values. Holding steady? Going up? Declining? Have your Realtor find out for you. Buying a used mobile home is very much like buying a used car. A seller can set any price but is it worth it? Please do not over-pay. If you need to finance your used mobile home, you are then in a much safer position. You are then required to pay for an appraisal to find out the REAL value of the mobile home. However, if you are planning to buy your mobile home for cash, watch out. No appraisal is required but I would recommend you pay the $ 400 to the appraiser. It could save you thousands. The choice is yours.

10. Health and Safety. What condition is the mobile home in? The basics should all be there. If not, it is the sellers responsibility to have it done. That includes;

A. Smoke alarms. Each bedroom needs one, that is the code. And, it needs to be working!

B. Water heater. Needs to be double-strapped and not with those tiny metal bands that has little wholes in them. Is there a pressure release valve? If it where to over-flow, does the pipe go underneath? Should not. It needs to extend out to the side of the skirting. Is the water heater closet dry-walled? Has to be. Any leaks?

C. Steps. Are they solid? No rips in the carpeting (trip hazard)? What about the railing? Is it loose? Can not be. How far apart are the rails? Should not be more than 4 "so that a small child can NOT get stuck in between.

D. Cooling system. Does it work? It is not really a health and safety issue but if it were me, I would insist on it or ask for a reduction in price. Who wants to live in a used mobile home, maybe with metal siding as well, and summer comes around and it is 105 degrees outside.

E. The furnace. When was it last serviced and how dirty is the pad? Take a good look and make sure it works. Have someone come and take a look at it.

F. Plumbing. Any leaks? Should not. Run all faucets and look underneath.

G. Electrical. Does all the outlets and the switches work? Make sure they do. GFI's? You do not want the risk of being electrocuted. Both kitchen and bathrooms needs GFI plugs.

H. Roof. Any leaks? Look around carefully to see if there are any water stains in the ceilings or around the upper walls. How old is the roof?

I. Earthquake bracing. Do you have it? Bring a flashlight and open up the access door in the skirting. There should be (on a double wide mobile home), two in the front and two in the back. Compare them to the regular piers and jacks. Are they beefier? Bolted to the I-beam? They should be. Surprisingly enough, there are still some used mobile homes out there who do NOT have them. On top of that, it is not considered a health and safety issue and it is perfectly legal to sell a used mobile home WITHOUT them!

If you do buy a used mobile home without earthquake bracing and later on decides that it was not the smartest idea, a contractor will charge you about $ 5000 to install them. Not cheap. If it does not have it, ask for a price reduction and then order the escrow company to set aside $ 5000 to the contractor. At the close of escrow, your contractor will come out and install them for you. If you can have him install it the day BEFORE close of escrow even better. Because, if you just take a price reduction, you are going to be so busy moving and exited about your purchase of your mobile home. You'll "forget" about the bracing and end up buying new furniture instead!

Ideally, you should hire a health and safety inspector who KNOWS how to inspect a mobile home

8. Once you are park-approved, it is time to schedule your health & safety inspection. You are free to use any licensed health & safety inspector for your inspection or I can recommend several to you. Besides the health & safety inspection, I would strongly recommend you have an electrician look over the home. Sometimes, a regular h & s inspector can not really know what's going on. These inspections are not free and depending on who it is, they all charge slightly different. When we go to see the inspectors at your future home, please bring your check bock. Once the inspection is over, the inspector will go over his findings with you.

9. It is now 24-48 hours after that the health & safety inspection took place and now we are holding the report in our hands, going through it together. It is the sellers responsibility to cover any health & safety issues, such as electrical, plumbing, roof, smoke alarms, double-strapped water heater and so on. Anything cosmetic is just that, cosmetic and the seller does not have to do anything. However, you could always try to negotiate if you strongly feel there is something you want the seller to do and of course, I am there for you, every step of the way.

10. Termites? Pesky little critters and they are usually EVERYWHERE! We would absolutely want to have the home inspected for that too. We will get a written report with a diagram, showing their findings. Anything that they find that is classified as a SECTION I, has to be taken care of and hopefully, the seller is willing to do that. If not, it's on you. I have a very strong opinion in regards to termites. That is, if I were buying a home, why should I have to pay for somebody else termite problem? I never lived there. I did not invite them. So, why pay? On the other hand, if I got the home at a very good deal, I would probably pay for it. It is your decision and hopefully we will not run in to this problem if the seller gladly pays. SECTION 2 are recommendations from the termite inspector of things that will need attention in the future and are not items that has to be taken care of now. Termite inspections are paid through escrow.

11. Time to order your appraisal. An appraisal will be necessary if you are going to finance your purchase, the lender will require it. This is an expense that can not be financed and you will have to pay it upfront either by meeting the appraiser at your future home or by simply writing the check to the appraiser and let me handle it for you.

12. Your loan conditions. When you first got pre-approved, we submitted certain papers to the lender. There might also be additional paperwork they are asking for and whatever that is, now is the time for us to do that.

13. Your home has now been appraised and hopefully, it did appraise. If not, we might need to either re-negotiate with the seller or you might have to come up with a larger down payment, whatever is the case or we might have to look for another home for you.

14. Your loan documents are now ready to be signed and there will also be additional paperwork from escrow to sign, such as hazardous disclosures. We live in earthquake country, there are massive rains sometimes and we get flooded. You might be close to a prison or maybe an airport. These things are hazardous, we all live with them. Escrow wants you to know this, and you already do. When you go to sign all this papers, please bring your cashiers check for the balance of the down payment. Before you do, I will give you an estimated closing statement so that you know how much to bring. There will be an overage, meaning escrow will ask for a little bit more, just in case. We do not want to delay closing escrow because they are a few dollars short (maybe they needed to over-night a package twice).

15. Time for us to do a final inspection of the home. We want to make sure that everything that needed to be taken care of, has been done. We will do a final walk-through together.

16. You are now going to go to your appointment with the park to sign your lease, read and sign the park rules & regulations and pay your space rent and deposit. This takes about 1 ½ hour. If this is in the middle of the month, escrow will pro-rate the space rent. Parks do not take partial payment, only full. The deposit is refundable after paying your space rent on time for 12 consecutive months. You can then, in writing, ask for it back.

17. The loan has now funded, the money has been received by escrow, every single piece of paper has been signed by all parties involved and escrow is now closed. CONGRATULATIONS! YOU ARE NOW A HOME OWNER.

18. I will give you your final closing statement from escrow and possibly a check too, together with the keys to the home, TIME TO START MOVING IN!

Again, congratulations. Let me know when the movers are coming, I want to order you some take-out and something to drink, you are going to be too busy and besides, who has time to cook while moving.

Sekonda & Seksy Watches – A Brief History

The history of Sekonda watches began in Moscow in 1930 with the founding of the First State Watch Factory, the Soviet watch manufacturer. Created under orders of Stalin, the First State Watch Factory was the first Soviet attempt at manufacturing watch movements and watches. During World War II the factory was briefly evacuated but upon it's return to Moscow it was renamed the First Moscow Watch Factory. During the Soviet era this factory manufactured many watches, notably Poljot watches. These watches were used by the Soviet Armed Forces and were required to be of a very high quality as a result. The factory also manufactured the air force standard issue 'Navigator' watch worn by Yuri Gagarin on his historic first manned space flight.

The Petrodvorets Watch Factory is the oldest factory in Russia. The factory, located in Saint Petersburg, was founded by Peter the Great in 1721, and since 1962, has manufactured Raketa watches.

In 1966, Sekonda was founded in the United Kingdom. Sekonda imported the Poljot and Raketa watches from the USSR and re-badged them with the Sekonda name. These high quality, reliable watches were relatively cheap and were very successful. Due to the introduction of quartz movements, Sekonda moved production to Hong Kong and began making more fashionable watches with this new technology. Excellent marketing skills and a range of great watches led Sekonda to sell more watches than any other brand in the UK in 1988. This position has been held ever since due to an ever expanding, innovative range of watches.

In 1998, the watch market began to expand with a number of fashion watch brands designing and manufacturing their own fashion watches. Instead of increasing the overall sales of watches, this led to market share being spread more thinly across all the watch brands and it became clear that Sekonda watches would need to diversify in order to maintain its market leading position.

In 2004, Sekonda watches added the stylish and contemporary ladies Seksy watch line to it's range. The Seksy watch range was to be Aimed at the 25 to 35 age group and would build on the well known and Successful Sekonda watch brand name. This brand recognition would instil customer confidence in this new range of ladies Seksy watches. The initial Seksy watch range consisted of eleven watch models and with some excellent marketing campaigns and some very clever and innovative watch designs, a number of these Seksy ladies watches quickly became best sellers. The success of the Seksy watch brand prompted Sekonda to expand the Seksy watch line to around thirty models within a year.

A year after the launch of the ladies Seksy watches, Sekonda introduced the Sekonda One range of watches. The Sekonda One watches are fashion watches aimed at men and, similarly to the ladies Seksy watches, stick to Sekonda's winning philosophy of offering excellent quality watches at a low price point. Both lines have since been heavily advertised.

A very popular Seksy watch line is the Seksy Hidden Hearts ladies watch, a polished chrome plated bracelet watch comprising of interlinked heart shapes forming the bracelet and case, a mother of pearl dial and Swarovski crystals set in the case and dial with a high quality Japanese quartz movement. Another popular Seksy watch is the Seksy Eclipse ladies watch, a Swarovski stone set chrome plated quartz watch with an 'eclipse' design incorporated into the case and each watch link. Other ladies Seksy watches include the Seksy Curve ladies watch and the Seksy Electra ladies watch, both chrome plated, stone set contemporary designs with beautiful shapes.

Sekonda's main line of watches consist of numerous gold and chrome plated dress watches for men and women with almost every style imaginable. Many watch lines use popular expanding bracelets for convenience and standard bracelet watches and leather strap watches are also available in abundance, all with the same high quality and standards of workmanship that have led to a less than 1% return rate.

Due to their outstanding value for money, Sekonda watches have been the UK's best selling watch brand for the last two decades. The Sekonda range includes numerous stylish dress watches for men and women in gold plated, stainless steel and bi-colour designs as well as contemporary or classic stone set watches. Sekonda also manufacture SEKSY watches, an exceptionally popular and modern fashion brand also available on our site. All our Sekonda watches feature a high quality movement and come with a 2 year Sekonda guarantee.

Oracle Production Scheduling Vs Manufacturing Scheduling

After Oracle's acquisition of JD Edwards in 2006, Oracle has been promoting the best-in-class Production Scheduling (PS) software for all the obvious reasons. While more and more customers are adopting Oracle Production Scheduling to remove bottlenecks and improve performance on the shop floor, some manufacturing companies are still wondering why they should switch from Oracle's Old Manufacturing Scheduling to Production Scheduling?

Here are the main reasons:

· Oracle PS is a versatile application that can be stand-alone or integrated with Manufacturing Planning and Execution Systems as opposed to Manufacturing Scheduling which mainly works in conjunction with the manufacturing execution system – Work in Process (WIP). With Production Scheduling's close loop integration with Advanced Supply Chain Planning (ASCP), shop floor jobs can be best scheduled to both optimize resource planning and maximize service levels.

· Oracle PS with its powerful Key Performance Indicators (KPI) can be used as a tool to ensure that the scheduling scenario is meeting the corporate end objectives. Comparison of different schedule scenarios are instantly displayed in the Oracle Production Scheduling KPIs with Service Level, Inventory, Resource and Manufacturing utilization details. This makes decision analysis rather effortless. Many savvy schedulers using Oracle Manufacturing Scheduling had long wished for such powerful functionality.

· Oracle Production Scheduling can automatically detect resource floating bottlenecks as they move within a schedule. This understanding helps PS Solver deploy the most appropriate

Scheduling strategy to maximize the throughput and optimize the resource utilization.

On the other hand, resolving the bottleneck required a lot of constant tuning of the rules in the older Oracle Manufacturing Scheduling.

· Production Scheduling provides a number of views which can provide users with powerful analysis to support their decision making. Some of these views and user interfaces are:

o Production Pegging (Supply / Demand pegging with easy to drill down alert and root causes)

o Resource and Operations Gantt

o Resource and Item Graph

o Resource Gantt and Multi-Capacity Resource Graph

o Operations Editor and Graphical Routings

o Change over Editor

· Performance: Oracle PS uses smarter technology for constraint directed search which achieves the advantages of constraint-based scheduling with much better performance over traditional tools like Oracle Manufacturing Scheduling. This is another reason Production Scheduling becomes a tool of choice when production volume or production constraints are higher.

· Oracle PS is much simpler to setup yet delivers powerful scheduling strategies to optimize production without much trial and error. This reduces the total cost of ownership.

CONCLUSION

Oracle Production Scheduling is truly the best of breed next generation software which provides huge advantages over Oracle's past Manufacturing scheduling tool. There are a number of additional PS capabilities (not covered in this short blog) that if implemented well, can make scheduling really productive.

How to Outline Your Financial Goals

People save and invest to improve their quality of life. However, it is easy to make mistakes that can cause stress and cost you money. You can avoid those mistakes and keep your investment on track by outlining your financial goals.

It is a common investment mistake for investors to have no idea why they are investing. So, you should ask yourself …

Why are you investing?

Do you know why you are investing? What are you going to do with your money? What is most important in your life?

“Making money” is not a good enough reason to invest. How do you see yourself spending your money in a year? Five years? Ten years? If you can clearly explain your goals, you have taken the first step toward making your own investment plan.

With that in mind, write down your financial goal. One simple sentence is all you need. For example, you can write “buy a home”, “pay for college,” “start a business,” or “retire as a millionaire!”

Next, write down the amount of money you think you will need to accomplish your goals.

Do not worry about trying to fit in every little cost. You can always revisit your target later when you check your performance. Focus on your goal, and try to write down a target number.

This number will be different depending on your goal. For example, maybe you’re buying a $ 100,000 home, you may want to save $ 10,000 for a down payment. Maybe you need $ 5,000 to start a business or $ 50,000 to pay for college. If you do not have much money to invest, you can make up for it by investing over a long period of time.

Finally, consider the importance of your investment goals. How important is your retirement, your kid’s college tuition, or your down payment on a house? The importance of your investment will give you an idea of ​​your risk level.

Every investment has risks.

You do not want to take too many risks. However, you need to take some risks to earn a reasonable return. Also consider the amount of time you will be invested. If you have more time to invest, you may be able to take risks and still catch up if you run into trouble.

Ask yourself if you are ready to invest before you move on. Be honest with yourself.

You may not need to invest your money. Would you be better off paying off your debt? Can you afford to just save your money rather than invest it? Make sure you can commit enough money and time to investing.

It is important to stay motivated toward your goals and keep them in mind when you invest. Every investment decision you make should move you closer to your goals. You should be willing to learn, improve, and work toward your goals as you invest.

Characteristics of Modern Media Technology

Media has evolved a lot. Modern media depends on Technology to send information or gather them at a faster speed. The following are the characteristics:

Speed: The information reaches at a faster speed.

Reach: The information must have mass reach.

Preventing Calamities: Modern media broadcasts 24 hours. So high technology is used to beat natural calamities.

Constant Transmission: Technology is used for constant transmission.

The following tools of technology is used to achieve the aforesaid targets:

Use of Satellites: Satellite Technology is used to ensure constant transmission. A satellite hardly gets affected by climatic conditions.

Use of Video Conferencing: It is used to get live and personalized feedback without physical presence.

Use of Television Conferencing: It is used to get audio inputs from far off places.

Use of Internet: Internet is being relied upon for information.

Use of high end Computer Technology: Computing and high speed processors are used for fast and able data processing.

Use of Mobile Satellite Vans for News Coverage: Satellite vans are used for high mobility and anytime coverage.

Use of high end Audio visual equipments: Use of high end audio visual equipments have emerged that leads to clear sound and picture. Tape recorders and high end video cameras are used by media persons to take interviews fast and transmit news ina proper and efficient manner.

Thus these are the characteristics of Modern Media Technology that has made media more fast, accurate and improved and has made it an indispensable tool for protecting the largest democracy of the world named India by making it more transparent and accountable to people. Hence these are the characteristics of modern media technology.

Why Electronics and Technology Are Important

People today live in a world that relies greatly on electronics and gadgets to make our everyday activities easier and faster. Most of us could not fathom what life we ​​be like without computers, cell phones, iPods, televisions, or electronic toys. Over the years, technology has continued to advance, improving the quality of life for people who use electronics and gadgets to make their lives more convenient.

When we wake up in the morning, we are often greeted by our alarm clocks. How many people would be late for work if they had to rely on their internal body clocks to wake them up at the same exact time every weekday morning? Once up and out of our bed some people may enjoy a cup of coffee or espresso from the convenience of their own kitchen coffee making appliance. Others may head to the bathroom to start getting ready for the day. This may include using a hair dryer or curlers to style their hair, or maybe an iron to de-wrinkle their clothes. All the while, people may be catching up on the day's news by watching their local news station on television. All this use of technology and electronics and they have not even left for work yet!

The list goes on and on. The advancement of technology has allowed us to enjoy our favorite music while we exercise via the use of an MP3 player, warm our food in seconds with the convenience of microwaves, and even read our emails from anywhere in the world with the use of smart phones and laptops. This is just the tip of the iceberg. While most people understand that electronics and gadgets are important, they do not take the time to really comprehend just how much we use this type of technology in all aspects of life. Certain electronics and equipment have made medical procedures easier, not to mention just plain possible. Life expectancies have increased with the advancement in technology and suffering has lessened due to the invention of medical equipment and technologies.

Whether it's the coolest new GPS gadget to help you located and get to your favorite vacation destination along with every restaurant, store, and gas station in the area, or the newest sonar machine that can allow a doctor to see any possible development issues with a mother's unborn baby, technology and electronics means more to us than we can realize. New products are developed every single day and the more people shop for fun gadgets and electronics, the easier and more fun life will become!