Archive for June, 2010

Avoid the Wall Street Wizards

Prudent 401k Investing Advice

The 401k’s great advantage comes from your control over where and how to invest the funds.  Most 401k plans give you a fairly broad array of preferred stocks and sound mutual funds from which to choose.  Although your employer may “match” some of your cash contributions with shares of the company’s stock, the majority of your 401k assets may go into the investment instruments you prefer.

In the spring of 2009, however, as the economy goes into a deadly tail-spin, most people have no good, reassuring plan for choosing the right investments.  During the fall of 2008, 401k’s lost considerable value no matter where or how people had invested—yes, some more than others, but sharp declines across the board.  Pressed to give sound investing advice, the so-called “experts” shrug and suggest, “Hang on to your job, and keep trying to save your money…somehow.”

Giving more practical 401k investing advice, shrewd, prudent investors say that, especially in bad times, you should stick to the most basic common-sense rules of sound investing.

Good 401k Investing Advice

Buy and hold.  Do not move your money around every day, every month, or every year, trying to catch the quick surge or “time” the market.  Instead, choose investments with proven track records, and stick with them.  Do your homework, looking for recession-proof funds or companies.  But once you make a choice, commit to the choice and stay with it.  Over twenty years, almost all stocks and mutual funds outperform more conservative investments like government bonds and certificates of deposit.

Better 401k Investing Advice

Set your risk-tolerance at “moderate.”  Some market sectors and cutting-edge companies seem “poised for explosive growth.”  Poised doesn’t work nearly as well as proven.  If a major corporation has begun expanding its global markets, the corporation and its investors incur some risk; but the same products and principals that have driven the company to industry leadership will sustain it as it goes global.  That’s a “moderate” risk.  Learn a lesson from sad “Bluetooth” investors: Although it was poised for explosive growth, the company that originated and patented the universal technology has not returned more than 2%-3% since it revolutionized wireless communications.

Best 401k Investing Advice

Diversify.  Anyone who ever risked putting all his eggs in one basket probably ended-up with omelets.  Study the market, looking for those companies, sectors, and funds that have held steady while everything else tanked.  Put most of your assets in those stable places–plural.   Then assess which few companies have grown even while the others have lost.  Put a few of your funds there, too.

Although you probably feel discouraged and disheartened that your 401k has lost value in the economic downturn, keep in mind that you still have all the tax advantages from your contributions, and you still have lots of time.  Offering their professional 401k investing advice, experienced investors stress that market contractions evanesce.  The markets keep growing.  The veterans generally suggest you maintain or even increase your 401k contributions; if you have passed fifty, take advantage of your catch-up contributions, and keep getting your 401k investing advice from the people who do not work on Wall Street.

Banks sometimes get undeserved negative reviews among small business owners. Especially in the current climate of tightening credit standards and lending policies, business owners should understand which banks lend what amounts to whom and when. Some banks will not touch a loan below $1 Million. Therefore, if you want a line of credit for $100,000, soliciting those banks will prove futile. Other banks, typically very small community banks, will not provide a loan above $1 Million. Why? Banks have loan capacities. This refers to their typical largest loan size and the maximum amount they will lend if everything lines up perfectly.

 If Bank A has a general loan size limit of $3.5 Million and you need a loan for $3 Million and have plans to increase your loan amount over the next 18 months to $5 Million to pay for your business’ expansion, you should not approach Bank A for a loan. Assuming you qualify, Bank A will likely approve the $3 Million loan but not the increase meaning you will need to shop for another bank in six to nine months. Save yourself the hassle and approach the banks with general loan size limits of $6 Million and higher. Unfortunately, only a few banks explicitly state the profile of their target client or loan size. The rest is knowledge garnered only through research and relationship building -or by simply asking the appropriate bank personnel (i.e., a business banker).

Banks maintain loan portfolios. If a few of a bank’s clients in a particular industry recently defaulted on their loans, that bank will restrict its lending to other companies in that industry and sometimes, sister industries. In addition, if a bank reaches a heavy weighting in a specific business category such as residential construction and home building companies, to adjust its portfolio lending the bank will often restrict or deny all loans in that category for the remainder of the fiscal year. Thus, with a number of Georgia banks having been hard hit by the demise or financial distress of home builders due to the drastic reduction in new home sales, as a commercial construction or related company, it is worthwhile to inquire about the bank’s residential builder exposure. Many of these banks are not in a position to lend sizable amounts of money and do not publish this information but generally will acknowledge their exposure when questioned.

If you are a small business with under $10 Million in revenue, a good place to start for research is the state ranking of small business loan providers compiled by the Small Business Administration (SBA). The SBA ranks the top ten providers of SBA-guaranteed loans in each state in two categories: total volume of loans and total dollar volume. If you seek small dollar value loans (i.e., under $250,000), pursue the high loan volume group. If you seek a higher dollar value loan (i.e., $1 Million and above), pursue the high dollar volume group.

If you are pursuing a bank loan and have been turned down, ask yourself some questions.

·         “Did we approach someone with signature authority or did we meet with a low level employee who has to fight for every dollar above $25,000 or $50,000 that he or she requests?

·         “Did we dress professionally and project confidence or did we show up in shorts and appear surprised by all the questions asked of us?

·         “Did we discuss our intention to build a long-term relationship with a bank we can grow with or did we say we were shopping around for the best rates?

·         “Did we provide a loan package – an executive summary and our financial statements - or did we jot some information on a post-it note?”

If your response was the first option for each question, then conduct research on what types of banks may get you to yes and what alternative capital sources may exist. If you responded yes to the second option for each question, you must work on your packaging and preparation before you approach another bank or any other financing source. If you are not prepared, you cannot provide a modicum of a financial statement or other finance-related information, and you cannot adequately describe your business and market in words, then you will likely continually be turned down by banks and by many of the alternative financing sources.

A bank does not want to see a business plan. Instead, they want to see a very condensed, highly relevant synopsis of the business plan called the Executive Summary. This is typically three to five pages long and includes the following:

1)      General overview of the business;

2)      Industry overview;

3)      Market overview including competitive advantage;

4)      Management team including board of advisors;

5)      Growth plan for the business;

6)      Financing need and why;

7)      A chart of sources and uses of funds.

Each section should be about one to two paragraphs each. Attached to the Executive Summary should be historical financials for the past three years, audited or reviewed. If the financials have not been audited or reviewed by a CPA – and the overwhelming majority of small business financials have not – then copies of the business tax returns for the prior three years are needed.

One last point: Build and nurture a relationship with your banker. A true banker is someone who has decision-making authority…typically someone who has signature authority for $500,000 or above. Cultivating a relationship with a good banker is well worth the effort. That banker will support you when your margins drop (if kept informed), point you to other financing sources if he or she cannot directly assist, and seek creative solutions if your loan needs exceed the limits for the bank. 

All rights reserved.© Excerpted from Solving the Financial Equation: Financing Solutions for Small Businesses

2 mintue overview of a 20 mintue FREE Seminar in Austin Texas

New roads, cleaner streets, new buses and more homes for a growing population. BUT the dream of a new modern Lagos doesnt come cheap. With an expanding list of development projects and a population that will hit 25 million in a few years, Lagos State estimates it would need around $50 billion to finance this model mega city project.

1. Doctor office dressing gowns. It would be my luck for someone to see me.

2. Touchy feely doctors. Who needs that?

3. Shots are still painful. That kind of pain gives me the willies.

4. I can live with the pain. I lived with my ex-wife for years.

5. Got better things to do, like watching sports.

6. Cold doctor hands. Don’t they have hand warmers?

7. Might hear something bad. You know I don’t like bad news.

8. Waiting room magazines. When are they ever going to get something men like.

9. Losing half a day waiting to be seen. That’s fun.

10. I’d rather sleep in. I have a good excuse now.

Here are ten useful tips of advice from a personal injury lawyer to follow if you have been in an accident. You can also learn more about how to handle a personal injury in Newport Coast, or any city, by calling the Law Offices of R. Sebastian Gibson at any of the numbers which can be found on our website at http://www.SebastianGibsonLaw.com  and learning how we can assist you.

Obviously, if you have had an accident, and you are reading all of this advice, it’s probably been at least a few days since the accident. However, if it’s only been a few hours or if you ever have another accident, here’s what you should do the next time from the start.

First, take a look around and determine if you or anyone, are hurt. If so, taking steps like trying to prevent further injury or loss of blood are the most important thing you can do. Even if some other driver caused you to be injured, it’s just good manners to help the other driver if they are hurt. They may even be so thankful that they admit their fault to you. The worst thing you can do is get angry or start a fight.

Second, make sure everyone is safe from being injured further. If you are in the middle of traffic, and you are dizzy, sit down away from traffic. If your vehicle is a traffic hazard and you have accident warning devices like flares or triangles, put them out on the road to warn other drivers and get away from the car. Let the police an other emergency personnel investigate the scene with the vehicles in place and move them more safely at a later point.

Third, call the police. Accident reports are extremely helpful if the police will do such a report. Let the police know you are injured immediately. Answer the police questions honestly. But if you are dazed or confused, let them know you need medical treatment and answer only what you feel sure about. Remember, your statements can and will be used against you if you admit fault, and it will be too late and too fishy to later say you didn’t know what you were saying at the scene. Police know that your best recollection is immediately after an accident.

Fourth, get the other driver’s information including their names, addresses, driver’s license numbers, make and model of their vehicles, license plate numbers, and their insurance company name and policy number. If there are witnesses, get their names, addresses and telephone numbers as well. If the other driver makes any admissions of fault, write those down as well.

Fifth, if you have a camera on your cell phone or in the car and you aren’t too injured, take some photos of the vehicles and the scene. If you can’t do it right away, do it after you are released from the hospital.

Sixth, if you are hurt, obtain medical treatment. Don’t decline the ambulance or hospital examination to save your insurance company money or to be stoic. Take your valuables out of your car if you can and get checked out at the hospital. If you are not hurt, don’t get treatment you don’t need. However, remember, after an accident, you may feel a rush of adrenaline that causes you to only start feeling symptoms of pain a few hours later. If you have a health plan that requires you to obtain permission first, call them and find out where you are allowed to seek treatment.

Seventh, call a good personal injury lawyer as soon as you have had your initial treatment, so the attorney can gather other important evidence and prevent the insurance company from taking advantage of you and obtaining such things as recorded statements that you feel fine, when many of your symptoms have yet to manifest themselves. A good personal injury lawyer can save you from making a great deal of mistakes and can shoulder much of the hassle of knowing what to do about car repairs, car rentals, medical treatment, witness statements and the like. If you think you will save money by not having an attorney, think again. A good personal injury lawyer can almost always obtain much higher settlements, obtain reductions of medical bills and insurance liens and prevent you from making costly mistakes. Also, most personal injury attorneys advance costs of obtaining police reports, medical records and the like and are paid and reimbursed for these costs only out of any settlement.

Eight, you will need to report the accident to your insurance company, but since they will want to take a recorded statement from you, just like any other driver’s insurance company, it’s good advice to retain an attorney first. And if the other driver did not have insurance, remember that it is your own insurance company that will be your adversary. You will also need to report the accident to the Department of Motor Vehicles and your lawyer can give you the form for this.

Ninth, do not agree to settle your claim privately with the person at fault for the accident. This almost never works out to your advantage. Don’t agree not to call the police. Police reports that determine the fault for an accident are golden. Your agreement to not involve the police only affords an opportunity for the other driver to change his story and blame you when the police will no longer investigate the accident.

Tenth, don’t pay a traffic ticket without a fight if you weren’t at fault or agree to accept a small payment for your vehicle repairs without knowing that the amount will in fact cover the cost of all the repairs.

If you’ve had a personal injury in Newport Coast, Orange County, Yorba Linda, Tustin, Lake Forest, Fountain Valley, Rancho Santa Margarita, Newport Beach, Anaheim, Irvine, Huntington Beach, Corona del Mar, Laguna Beach, Santa Ana, Orange, Fullerton, Costa Mesa, or anywhere in Southern California, we have the knowledge and resources to be your Newport Coast Personal Injury Lawyer and your Newport Beach Personal Injury Attorney. Be sure to hire a California law firm with auto, motorcycle, truck, bicycle, pedestrian, car, bus, train, boat and airplane accident experience, wrongful death experience and insurance law expertise who can ensure you are properly represented and get the compensation you deserve.

If you have a personal injury legal matter, a dog bite or if you’ve lost a loved one in a wrongful death accident, call the Law Offices of R. Sebastian Gibson, or visit our website at http://www.SebastianGibsonLaw.com  and learn how we can assist you.

The payday loan service allows people to gain access to short term funding, for relatively small loans, fast. Before deciding to go down this credit route, you should make certain considerations to ensure that you are deciding on the best option for your situation.

1) Do you really need a Payday Loan?

Is it absolutely essential that you take out a payday loan? Or can that new outfit / ipod or week-end away wait?

If paying for something that you want, and the additional money in interest payments for a payday loan to be able to buy it, is going to stretch you so that you run out of money next month, then perhaps you should consider whether you could rather save up and buy what you need at a later date, rather than borrow money to pay for it.

Of course, if you are aware of the additional costs of buying or paying for something at the time you want it, and are happy with these, and can afford them from your next wage payment, then there should be no problem taking out a payday loan.

2) What is the length of time you need a cash advance for?

Cash advance payday loans are short-term loans. They are designed to bridge the gap between now and your next payday. If you need to borrow money for a lengthy period of time, then a payday loan won’t be ideal.

You can extend the repayment of a payday loan to a subsequent payday by paying the interest payment each month until you clear the full balance. However, the more you do this, the more your original loan costs you. So, if you plan to gain access t some additional money for a long period of time, you should look for alternative forms of credit.

3) How much money do you need to borrow?

Payday loans are typically valued between £80 – £800. However, payday loan providers are not likely to lend you £800 if you only earn £800 as the idea is that you can afford to pay back the payday loan on your next payday.

So, if you are looking to borrow more than £800 and/or more than you can afford to pay back on your payday, then you should look for alternative forms of credit.

4) Do you meet the criteria for a payday loan?

The criteria for most payday loans are as follows:

- To be over 18 years old
- To be a UK resident
- To be in full time employment
- To have a debit card for the bank account one’s wages are paid into.

By their very title, you are required to be in full time employment when applying for a payday loan. If you are a student or currently unemployed, you will not be able to apply for a payday advance.

Obviously, if you don’t meet these, then you will not be eligible for a payday loan.

Some payday loans companies also require that you have a cheque book. However, there are enough payday loan providers that don’t require this that you should be able to borrow from one that does not require this.

5) Are your wages paid directly into your bank account?

Most, if not all, payday loan companies will require a direct bank transfer of your wages onto your debit card account. If you are paid by cheque or cash, you will, therefore, not be eligible for a payday loan.

6) Can you afford to pay a payday loan back?

If you know that you are not going to be able to afford to repay a payday loan, then you should look elsewhere for a solution to your credit problem.

Payday loan providers will allow you to extend a payday loan by paying the interest each month until you can clear the full payday loan. However, it is not advisable to take out a payday loan planning to do this because it will make the cost of your cash advance more expensive than if you paid one interest fee for the advance.

7) Are you aware of the different processes involved in applying for a payday loan?

You need to decide what is important for you when applying for a payday loan. Some companies require that you provide various forms of documentation, including bank statements, on which to base your loan approval. This process can mean that you can’t receive a same day payday loan. If you want to get your cash advance as quickly as possible with the easiest application route, then you should look out for payday loan providers that offer same day instant cash loans online. You will then be able to apply online, receive an instant approval decision and get your cash that same day. Very often, however, they will carry out a credit check in order to be able to make the application process as quick as possible and to be able to offer faxless payday loans. If you do not mind having a credit check on your credit report, then this is a good route to be able to get cash fast.

8) Are you aware of the cost of a payday loan?

Before deciding to take out a payday advance loan you need to be aware of the costs and make sure that the benefits outweigh the costs for you.

Most payday loans companies charge an interest fee of 25% of the loan – although some charge more than this, so be sure to find one that doesn’t charge more if you decide to go with a payday loan.

All finance companies are required to quote an APR (Annual Payment Rate). At a 25% cost of credit for a loan due for repayment 31 days away the typical APR is 1286.1%. While this looks extremely high, one needs to bear in mind that APR involves looking at the payment rate annually, when a payday loan is due for repayment after a month. What is important is the cost of credit within that month – typically 25%. So, for every £80 you borrow, you need to pay £20 in interest. You need to consider whether you are happy to pay this amount of interest to be able to take advantage of the fast cash payday loan service.

9) Are you in a position where your credit and debts are getting uncontrollable?

If you already have a lot of outstanding credit / debt and are battling to meet monthly payments, then you should consider that a payday loan may not be a good option for you.

A payday loan should not be used as a means of solving long term credit / debt problems. If it is used in this way, it will more than likely only add to these problems. You should only take out a payday loan if you are going to be able to afford to pay it back and only if it is used for a short-term credit problem.

10) Is a payday loan your best option?

You need to consider what alternative options are available to you at a particular time and assess whether the benefits of a payday loan outweigh the benefits of its alternatives, also taking into account the cons, including costs, of the various options.

There are times when a payday loan may be a good option at a certain time and/or in a certain situation. You need to weigh up the costs and the benefits and decide whether it is the right form of credit for you at a particular time.

WOODSIDE, Calif., Dec. 15 /PRNewswire/ — Fisher Investments announces the release of its latest Stock Market Outlook, a quarterly research report published by the Fisher Investments research team under the direction of CEO Ken Fisher and the firm’s portfolio management team. The Stock Market Outlook research report includes Fisher Investments’ latest market outlook, capital markets research and portfolio insights. The Stock Market Outlook provides individual investors an opportunity to gain valuable research and information on the current state of the global stock market.

To access the Stock Market Outlook, simply go to www.google.com and search for “Fisher Investments Stock Market Outlook” and then click on the link for the “Fisher Investments Research Report.”

The Fisher Investments Stock Market Outlook provides insight into the firm’s market and portfolio research with views on:

> Why the new bull market has additional upside potential ahead

> Which sectors and countries may rebound the most

> Why stocks are still undervalued by historical standards

> Signs that global economic recovery is already underway

> And much more investors can put to use in their own portfolios

Fisher Investments conducts internal research to support the portfolio management process for large institutional clients and thousands of private clients. This involves developing capital markets technologies to interpret market events in unique ways and studying the impact of economic, political and sentiment drivers on global stock markets. Some of these research findings can be found in Fisher Investments’ latest Stock Market Outlook.

To get your copy of the latest Stock Market Outlook with insights into Fisher Investments’ market and portfolio research, go to www.google.com and search for “Fisher Investments Stock Market Outlook” and then click on the link for the “Fisher Investments Research Report.” 

About Fisher Investments

Fisher Asset Management, LLC, doing business as Fisher Investments, is a portfolio management company founded in 1979 serving the needs of institutional and individual investors globally. Fisher Investments’ clients include large corporate and public pension plans, foundations and endowments, as well as thousands of high net worth individuals. Fisher Investments is registered as an investment adviser with the Securities and Exchange Commission (SEC). Its portfolio management team is headquartered in Woodside, CA. Ken Fisher, founder, CEO and Chief Investment Officer, is the author of six books including three bestsellers, many academic studies, and has written Forbes magazine’s “Portfolio Strategy” column since 1984. Visit Fisher Investments corporate website at http://www.fisherinvestments.com

About Fisher Investments Research

Fisher Investments has a 50+ person research department, including more than 25 research analysts. The research department’s structure optimally supports the Investment Policy Committee (IPC) as they make strategic portfolio management and implementation decisions. Research teams focus on generating economic, capital markets, and securities research and communicating their findings to the IPC on a daily basis and as changes arise. Fisher Investments Stock Market Outlook can be found at: http://www.fisherinvestments.com/more-about-fisher-investments/fisher-investments-stock-market-outlook

Fisher Investments Stock Market Outlook is copyrighted research material. Past forecasts and performance are not a guide to future forecasts or performance. The value of investments and the income from them will fluctuate with world stock markets and international currency exchange rates and involves the risk of loss.

SOURCE Fisher Investments

Disclaimer: This article reflects personal viewpoints of the author and is not a description of advisory services by its author’s employer or performance of its clients. Such viewpoints may change at any time without notice. Nothing herein constitutes investment advice or a recommendation to buy or sell any security or that any security, portfolio, transaction or strategy is suitable for any specific person. Investments in securities involve the risk of loss. Past performance is no guarantee of future results.

Alex takes your calls on military abuse in iraq. www.infowars.com www.prisonplanet.tv

Dr. Dan Le Roy from the University of Lethbridge discusses whether or not Canadian agriculture is affected by the fluctuations in the economy. Le Roy discusses the affects of interest rates, farm management and supply managed and how the economy will play a part.

With the coming of the new year, auto dealers are usually in heavy clearance mode. They are looking for customers who can drive a car off their lot to make room for this year’s new models. With the economy being weak, people are in need of financing now more than ever. Auto dealers are looking for customers who can get financing for a new or used car and are aggressively pursuing auto leads in search of new customers.

Finding leads has become easier with online services that provide auto dealers with pre-qualified special finance leads that makes the sales and financing process go smoothly and gets the customer in their car and helps the dealership increase sales and commissions. There are leads that are categorized so the dealer knows what kind of customer they are approaching in terms of financing. There are subprime car leads, bad credit auto leads and special finance leads which help the dealer figure out a financing package that will work for the customer and help them sell the car fast.

Auto financing is tricky and dealers want to make sure that the customer can maintain the monthly payments. They do not want to go through the hassle of the collections and repossession process. This eats into profit which is crucial for a dealership’s survival. Car dealerships, like every other business, are feeling the crunch of the current economic situation, so they need to have good leads on customers who can qualify for financing so they can move cars off the lot.

Finding special finance leads can be a breeze for dealerships who know where to look for them. Having pre-qualified auto leads can take the guesswork out of the financing operation and the sales process. Thousands of customers are applying for auto financing before they are even stepping into a dealership. Having these leads in hand will help a dealership structure a financing plan that will close the deal and make the sale.

Depending on the type of dealership, there may be a specific customer that they may be targeting. Some potential owners are good candidates for subprime auto financing. If a dealership wants to target these customers, they can get subprime auto leads that are pre-qualified for financing and draw these customers into their showrooms. Many dealerships specialize in selling cars to people with bad credit. While there is a risk involved, bad credit auto leads can be a good source for business because many of these customers are in the process of repairing their credit records and are able to make good on the monthly car payments. With the economy struggling and many people still needing a car, these leads can be valuable to a dealership that has excess inventory and needs to move a number of cars off the lot to meet their monthly quota. It can turn into a win-win situation for both the potential car buyer and the dealer when a good financing plan can be arranged that will get the car off the lot and into the hands of an owner.

Using auto leads for financing can really make a difference in sales for a dealership that may be struggling to move inventory. These pre-qualified leads can help bring in more customers and sell more cars and really boost sales for a dealership.

1. Are you all right, you nitwit?

2. Are you crazy or did someone put out a contract on my life?

3. No, I will not handle this privately. We need to get the law here to arrest you.

4. Lets make sure no one else is hurt before I tell you what I really think.

5. Can I get your information? I may need to sue you.

6. Do you have insurance? Or did you forget that too?

7. Why did you run that light? In a hurry to go to a parole hearing?

8. Well excuuuuuse me, but aren’t you the nincompoop here?

9. You’re under citizen’s arrest. And so is your car.

10. Are you kidding me? My car is orange. Are you color blind too?

Here are ten more useful tips of advice from a personal injury lawyer to follow if you have been in an accident. You can also learn more about how to handle a personal injury in Cathedral City, or any city, by calling the Law Offices of R. Sebastian Gibson at any of the numbers which can be found on our website at http://www.SebastianGibsonLaw.com  and learning how we can assist you.

Obviously, if you have had an accident, and you are reading all of this advice, it’s probably been at least a few days since the accident. However, if it’s only been a few hours or if you ever have another accident, here’s what you should do the next time from the start.

First, take a look around and determine if you or anyone, are hurt. If so, taking steps like trying to prevent further injury or loss of blood are the most important thing you can do. Even if some other driver caused you to be injured, it’s just good manners to help the other driver if they are hurt. They may even be so thankful that they admit their fault to you. The worst thing you can do is get angry or start a fight.

Second, make sure everyone is safe from being injured further. If you are in the middle of traffic, and you are dizzy, sit down away from traffic. If your vehicle is a traffic hazard and you have accident warning devices like flares or triangles, put them out on the road to warn other drivers and get away from the car. Let the police an other emergency personnel investigate the scene with the vehicles in place and move them more safely at a later point.

Third, call the police. Accident reports are extremely helpful if the police will do such a report. Let the police know you are injured immediately. Answer the police questions honestly. But if you are dazed or confused, let them know you need medical treatment and answer only what you feel sure about. Remember, your statements can and will be used against you if you admit fault, and it will be too late and too fishy to later say you didn’t know what you were saying at the scene. Police know that your best recollection is immediately after an accident.

Fourth, get the other driver’s information including their names, addresses, driver’s license numbers, make and model of their vehicles, license plate numbers, and their insurance company name and policy number. If there are witnesses, get their names, addresses and telephone numbers as well. If the other driver makes any admissions of fault, write those down as well.

Fifth, if you have a camera on your cell phone or in the car and you aren’t too injured, take some photos of the vehicles and the scene. If you can’t do it right away, do it after you are released from the hospital.

Sixth, if you are hurt, obtain medical treatment. Don’t decline the ambulance or hospital examination to save your insurance company money or to be stoic. Take your valuables out of your car if you can and get checked out at the hospital. If you are not hurt, don’t get treatment you don’t need. However, remember, after an accident, you may feel a rush of adrenaline that causes you to only start feeling symptoms of pain a few hours later. If you have a health plan that requires you to obtain permission first, call them and find out where you are allowed to seek treatment.

Seventh, call a good personal injury lawyer as soon as you have had your initial treatment, so the attorney can gather other important evidence and prevent the insurance company from taking advantage of you and obtaining such things as recorded statements that you feel fine, when many of your symptoms have yet to manifest themselves. A good personal injury lawyer can save you from making a great deal of mistakes and can shoulder much of the hassle of knowing what to do about car repairs, car rentals, medical treatment, witness statements and the like. If you think you will save money by not having an attorney, think again. A good personal injury lawyer can almost always obtain much higher settlements, obtain reductions of medical bills and insurance liens and prevent you from making costly mistakes. Also, most personal injury attorneys advance costs of obtaining police reports, medical records and the like and are paid and reimbursed for these costs only out of any settlement.

Eight, you will need to report the accident to your insurance company, but since they will want to take a recorded statement from you, just like any other driver’s insurance company, it’s good advice to retain an attorney first. And if the other driver did not have insurance, remember that it is your own insurance company that will be your adversary. You will also need to report the accident to the Department of Motor Vehicles and your lawyer can give you the form for this.

Ninth, do not agree to settle your claim privately with the person at fault for the accident. This almost never works out to your advantage. Don’t agree not to call the police. Police reports that determine the fault for an accident are golden. Your agreement to not involve the police only affords an opportunity for the other driver to change his story and blame you when the police will no longer investigate the accident.

Tenth, don’t pay a traffic ticket without a fight if you weren’t at fault or agree to accept a small payment for your vehicle repairs without knowing that the amount will in fact cover the cost of all the repairs.

If you’ve had a personal injury in Cathedral City, Palm Springs, Palm Desert, Indio, Coachella, Rancho Mirage, La Quinta, Indian Wells, Desert Hot Springs, Thermal, Yucca Valley, Joshua Tree, Twentynine Palms or anywhere in Southern California, we have the knowledge and resources to be your Cathedral City Personal Injury Lawyer and your Palm Springs Personal Injury Attorney. Be sure to hire a California law firm with auto, motorcycle, truck, bicycle, pedestrian, car, bus, train, boat and airplane accident experience, wrongful death experience and insurance law expertise who can ensure you are properly represented and get the compensation you deserve.

If you have a personal injury legal matter, a dog bite or if you’ve lost a loved one in a wrongful death accident, call the Law Offices of R. Sebastian Gibson, or visit our website at http://www.SebastianGibsonLaw.com  and learn how we can assist you.

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Do you remember when investing was easy? I do.

It all started around November 1998.

I remember the many brokerage company commercials.

Heck, eTrade spent $2 million on a Super Bowl ad staring a dancing monkey.

Those were the halcyon days.

Profitable day-trading was as easy as 1-2-3:

Place buy order for any stock with a 4-letter ticker symbol(i.e. NASDAQ stocks)
Play video games for the rest of day
Place sell order at the close and count your profits.

Investing was even easier.

All you had to do was buy whatever new fancy Internet mutual fund just opened up(remember Monument?) and hold to the moon.

Unfortunately, those days are long gone.

Along with them, the buy-and-hold myth invented by mutual fund companies.

Remember, they only make money when you are fully invested.

Did you know that mutual fund managers are evaluated solely on how well they perform versus their benchmark?

The benchmark is the standard by which they are evaluated.

Their only goal is to beat their benchmark.

They do not care if you lose money or not.

A perfect example is the bear market of 2008-2009 during which time the S&P 500 fell more than 55%.

If your large-cap mutual fund lost 48%, then according to conventional *ahem* “wisdom”, you should be thanking your mutual fund manger for doing a great job.

Does that seem a wise source for your investing advice?

I don’t know about you, but if I ever opened up my account statement to see that my retirement portfolio had been cut in half I most certainly would not be thinking of “thanking” anyone for it.

The idea that a 40% or 50% loss can be considered “good” makes absolutely no sense to me.

Investing isn’t easy anymore, but it can still be simple.

Today, you need a combination of true diversification and trend recognition to be successful.

By trend recognition I mean something to minimize risk by keeping you out of the market and in cash during bear markets.

An element of market timing can not only reduce drawdowns but also increase overall returns by avoding large losses of protracted bear markets.

So, get out there and research some market timing methods. Moving averages are a great place to start.

Are you prepared for the next bear market?

Tier 1 banks are taking the lead and embarking on a total overhaul of their core processing platforms. The verdict – new age core systems are leaving an indelible imprint on the banking landscape…, at least to the extent of gaining acceptance and engulfing few legacy systems in its wake. This article seeks to highlight some of the trends in the core banking space and what the next year holds out for the banking industry. In the near future one would see a complete confluence in the paths of banks and independent software vendors through the role of core banking systems. This shall be done in the quest to redefine their very existence, and for banks to survive and flourish in an intensely competitive and globalized landscape. There is a focus on factors that will have attained considerable significance for contemporary banks and will be the key drivers in selecting the platform that will power banks into the next orbit and beyond.

This article seeks to highlight some of the trends in the core banking space and what 2006 holds out for banks and ISVs, as well as some of the critical success factors that banks need to be mindful of, in order to derive the maximum out of their core banking transformation initiatives.

The paper also draws attention to the strategic challenges before the bank’s stakeholders as well as some of the critical success factors that banks need to be mindful of in order to derive the maximum out of their core banking transformation initiatives.

The Core Banking Juggernaut Rolls On

Taking up loans has become very easy for borrowers nowadays but when it comes to their repayment, things become difficult as the management of expenses is not everyone’s cup of tea. So debts are created for them. Need of more money at such a time may create problems but that can be resolved with the help of Bad Debt Loans.

Borrowers may have created their debts accidentally for themselves. Or it may be situational problems that led to his not making the due payments which caused the creation of debts for him. In spite of this situation occurring for the borrowers, he is not refused these loans which are meant for people with bad debts.

These are personal loans which can be used by the borrowers for any needs like debt consolidation, home improvement, car purchase, wedding expenses, educational expenses, travel expenses etc. the borrower can borrow money according to their needs.

These loans are usually available in two forms of secured and unsecured loans. The borrowers can pledge their assets and get secured form of these loans which offers an amount in the range of £5000-£75000 for a term of 5-25 years. When the borrowers do not want to pledge assets, they can borrow money in the range of £1000-£25000 for a term of repayment of 6 months to 10 years.

The borrowers can research well for these loans so that all the loan deals offered to them can be considered while choosing. Usually higher rates are charged by the lenders to cover up the risk involved. But to get lower rates, an online research will help the borrowers in comparing all quotes that are offered to the borrowers. The borrower can choose which ever deal is the most suited to his needs.

Through bad debt loans, the borrowers get money according to their needs. They face no hassle in borrowing the money and they get good terms and conditions through research.

For bad credit borrowers new auto financing option is not a distant dream. So, if you have bad credit, be assured that it won’t spoil your dream of becoming a car owner. You can also get new auto financing option.

This article has been penned down with the intention of clearing all doubts related to this new auto financing option.

· Can a tenant with bad credit avail new auto financing option?

Sure. A tenant with bad credit can always avail new auto financing option, as it is available in both secured and unsecured options.

· Can all kinds of bad credit borrowers be eligible for new auto financing option?

Yes. All kinds of bad credit borrowers, including those who have CCJ, IVA, arrear, default and bankruptcy can be eligible for new auto financing option.

· Is down payment a mandatory?

Down payment is not mandatory all the time. But a little down payment, all the time, lowers down the interest rate/

· What kind of vehicles can be financed with new auto financing option?

Any kind of vehicles including bus, truck, SUV, and other can be financed with new auto financing option.

· Does a bad credit borrower need to pay anything for new auto financing option?

No. A bad credit borrower does not need to pay anything for new auto financing option.

· How can new auto financing help bad credit borrowers to repair their credit score?

With new auto financing option, one can always repair his/her credit score. Just make the payment on time. It will gradually improve your credit within a very short span of time.

· How can one find new auto financing option?

Various banks, lending companies, and financial institutions offer new auto financing option. At the same time, online is also a good choice, where one can always get a better deal within a very short span of time.

1) Look at pedestrians.

2) Fail to watch the road.

3) Fail to yield to bicyclists.

4) Look for beach bunnies.

5) Look for snow bunnies.

6) Play video games

7) Read the want ads.

Crossword puzzles.

9) Personal grooming.

10) Dog grooming.

Here are ten more useful tips of advice from a personal injury lawyer to follow if you have been in an accident. You can also learn more about how to handle a personal injury in Twentynine Palms, or any city, by calling the Law Offices of R. Sebastian Gibson at any of the numbers which can be found on our website at http://www.SebastianGibsonLaw.com  and learning how we can assist you.

Obviously, if you have had an accident, and you are reading all of this advice, it’s probably been at least a few days since the accident. However, if it’s only been a few hours or if you ever have another accident, here’s what you should do the next time from the start.

First, take a look around and determine if you or anyone, are hurt. If so, taking steps like trying to prevent further injury or loss of blood are the most important thing you can do. Even if some other driver caused you to be injured, it’s just good manners to help the other driver if they are hurt. They may even be so thankful that they admit their fault to you. The worst thing you can do is get angry or start a fight.

Second, make sure everyone is safe from being injured further. If you are in the middle of traffic, and you are dizzy, sit down away from traffic. If your vehicle is a traffic hazard and you have accident warning devices like flares or triangles, put them out on the road to warn other drivers and get away from the car. Let the police an other emergency personnel investigate the scene with the vehicles in place and move them more safely at a later point.

Third, call the police. Accident reports are extremely helpful if the police will do such a report. Let the police know you are injured immediately. Answer the police questions honestly. But if you are dazed or confused, let them know you need medical treatment and answer only what you feel sure about. Remember, your statements can and will be used against you if you admit fault, and it will be too late and too fishy to later say you didn’t know what you were saying at the scene. Police know that your best recollection is immediately after an accident.

Fourth, get the other driver’s information including their names, addresses, driver’s license numbers, make and model of their vehicles, license plate numbers, and their insurance company name and policy number. If there are witnesses, get their names, addresses and telephone numbers as well. If the other driver makes any admissions of fault, write those down as well.

Fifth, if you have a camera on your cell phone or in the car and you aren’t too injured, take some photos of the vehicles and the scene. If you can’t do it right away, do it after you are released from the hospital.

Sixth, if you are hurt, obtain medical treatment. Don’t decline the ambulance or hospital examination to save your insurance company money or to be stoic. Take your valuables out of your car if you can and get checked out at the hospital. If you are not hurt, don’t get treatment you don’t need. However, remember, after an accident, you may feel a rush of adrenaline that causes you to only start feeling symptoms of pain a few hours later. If you have a health plan that requires you to obtain permission first, call them and find out where you are allowed to seek treatment.

Seventh, call a good personal injury lawyer as soon as you have had your initial treatment, so the attorney can gather other important evidence and prevent the insurance company from taking advantage of you and obtaining such things as recorded statements that you feel fine, when many of your symptoms have yet to manifest themselves. A good personal injury lawyer can save you from making a great deal of mistakes and can shoulder much of the hassle of knowing what to do about car repairs, car rentals, medical treatment, witness statements and the like. If you think you will save money by not having an attorney, think again. A good personal injury lawyer can almost always obtain much higher settlements, obtain reductions of medical bills and insurance liens and prevent you from making costly mistakes. Also, most personal injury attorneys advance costs of obtaining police reports, medical records and the like and are paid and reimbursed for these costs only out of any settlement.

Eight, you will need to report the accident to your insurance company, but since they will want to take a recorded statement from you, just like any other driver’s insurance company, it’s good advice to retain an attorney first. And if the other driver did not have insurance, remember that it is your own insurance company that will be your adversary. You will also need to report the accident to the Department of Motor Vehicles and your lawyer can give you the form for this.

Ninth, do not agree to settle your claim privately with the person at fault for the accident. This almost never works out to your advantage. Don’t agree not to call the police. Police reports that determine the fault for an accident are golden. Your agreement to not involve the police only affords an opportunity for the other driver to change his story and blame you when the police will no longer investigate the accident.

Tenth, don’t pay a traffic ticket without a fight if you weren’t at fault or agree to accept a small payment for your vehicle repairs without knowing that the amount will in fact cover the cost of all the repairs.

If you’ve had a personal injury in Twentynine Palms, Palm Springs, Palm Desert, Indio, Coachella, Rancho Mirage, La Quinta, Indian Wells, Cathedral City, Desert Hot Springs, Thermal, Yucca Valley, Joshua Tree, or anywhere in Southern California, we have the knowledge and resources to be your Twentynine Palms Personal Injury Lawyer and your Yucca Valley Personal Injury Attorney. Be sure to hire a California law firm with auto, motorcycle, truck, bicycle, pedestrian, car, bus, train, boat and airplane accident experience, wrongful death experience and insurance law expertise who can ensure you are properly represented and get the compensation you deserve.

If you have a personal injury legal matter, a dog bite or if you’ve lost a loved one in a wrongful death accident, call the Law Offices of R. Sebastian Gibson, or visit our website at http://www.SebastianGibsonLaw.com  and learn how we can assist you.

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Core banking replacement has, for long, been considered a strict no-no by banks. Established comfort level with existing technologies and processes, relatively comfortable margins that provided the luxury of overlooking operational inefficiencies, and finally, the fear of the unknown, have all ensured that banks steered clear of this subject. But the current competitive environment with increasingly demanding customers is forcing banks to take a reality check on their technology environment and ensure that their IT strategy is aligned to their business objectives. And core banking replacement is often the only solution to their problems. However, replacement of core banking solutions be it for large or small banks, global or regional is akin to a heart transplant. This can be one of the greatest challenge for any institution, which can either result in the bankleapfrogging to a high degree of differentiationand an enriched customer value proposition, or it can create considerable risks for the bank if the transition is not managed properly.

Successful banks are those that understand the potential of new technologies. They align themselves to fully leverage the powers of these technologies by focusing on the adaptive changes that make the technology transformation process successful…. The current competitive environment with increasingly demanding customers is forcing banks to take a reality check on the technology environment and ensure that their IT strategy is aligned to their business objectives. And core banking replacement is often the only solution.

Herein banks need to be mindful of challenges like vendor capabilities and dependency on legacy applications which are generally associated with core banking deployments and replacements. These challenges once understood and mitigated properly can result in the bank leapfrogging to a high degree of differentiation and providing an enriched customer value proposition. On the other hand, it can also create considerable risks for the bank if the transition is not managed properly.

This paper details the key factors banks need to focus on, to enable them to make the core banking transformation a successful experience.

Key Challenges in Core Banking Replacement