by Paul Bratcher Photography

Saint Patrick’s, Toombeola – Gate to Cemetery & former Priory


Image by Fergal Claddagh
TOOMBEOLA ABBEY
The wild outpost of the Irish Dominicans!

Variously spelt as Tombeola, Toombeola and Tonbeola – this priory was situated on a sparsely populated isthmus where the Owenmore River enters the sea just north of Roundstone.

fr. John O’Heyne, O.P., in his work, “The Irish Dominicans of the Seventeenth Century”, makes little reference to this priory other than the following tract;
In the same County of Galway there was an abbey of ours in the barony of Ballinahinch, founded and erected by the Chieftain O’Flaherty, the ancient lord of the barony till the time of Cromwell the usurper, by whom he was deprived of all his estates. In this abbey, called Tombeola there were generally eight religious; but from the beginning of the reign of Elizabeth it was not inhabited and the Protestants removed all the walls and the church itself to build a castle in the neighbourhood. [A picture of this castle is to be found at www.flickr.com/photos/feargal/4826309832/ ] From the time that Galway convent was erected into a priory, the provincial neglected to assign any religious or even a prior to this friary, but it was left as a district for Galway, fifteen leagues distant. That certainly tends to the great detriment of the Order and the Catholic people, very much in want of ministers of the Gospel. For the place is mountainous and boggy and is as an island in the extreme west of the kingdom, so there is not frequent recourse to it of religious, and moreover the whole barony is very populous and there is hardly one Protestant there. If liberty of religion should be established, Galway convent would have abundant support from the beneficence of the citizens, and besides it has for its district the baronies of Clare, Moycullen and Eaghnanivar. So that three or four religious could live in Tombeola for the salvation of that almost abandoned people.

fr. Ambrose Coleman, O.P., in his appendix to O’Heyne reports:
SITUATED about ten miles to the east of Clifden, in the county Galway, in the barony of Ballynahinch. It was probably founded in 1427, when the fathers of Athenry abbey obtained the privilege from Martin V. of making two other foundations. This may account for the absence of a special brief of foundation in the Bullariuvi.

It appears from O’Heyne and also from the fact that there is no notice taken of it in the seventeenth century, to have been abandoned after the suppression. However O’Heyne’s advice that three or four religious should live there was acted upon not many years afterwards, for in the Lords’ Committee Returns of 1731, there is a notice of " another [friary] at Tombola, in the parish of Moyrus, lately erected. Their number at present small but in an increasing way."

There were three fathers there in 1767.

Rosaleen Bermingham of the Royal Society of Antiquaries of Ireland wrote in a letter to Mr. Stephen O’Flaherty (a local man whose family are still in Tombeola) in 1971:
In A.D. 1427 the same Pope (Martin V) at the solicitation of two Dominican Friars of Athenry – William Ryedeymer and Richard Golber – authorised the friars of Athenry to found two subsidiary establishments of their Order in Connaught, there being a want of religious persons to instruct the natives of that Province in the Catholic Faith. The two Dominican monasteries founded in pursuance of this authority were (the learned author of “Hibernia Dominicana” considers) the monastery of Tombeola, situated on the west bank of the Owenmore (or Ballinahinch) river, where it flows into the sea at Roundstone Bay in Connemara; and the monastery in Ballindown on the shores of Lough Arrow, in the county of Sligo. These two monasteries were erected, the one at Tombeola in 1427, with the assistance of O’Flaherty, and that at Ballindown in 1507 by Thomas O’Farrell, with the assistance of McDonough, O’Flaherty and McDonough being the Chieftains of the respective localities. The Monastery with its Church at Tonbeola, was deserted by the Friars at the beginning of Queen Elizabeth’s reign (1558-9) about which time it was demolished by Teig-na-bullie-O’Flaherty who used the stones thereof to construct his Castle of Ballinahinch, situated upon a small island in the lake of Ballinahinch.
I do not know “Hibernia Dominicana” but I doubt if there is much more history of Toombeola to be found.

A handwritten note to the letter gives the names of the last friars to be stationed in Toombeola. There were Thomas Magcoghegan, Luke Coln (who died in Portumna), Dominic McGrath and John Tully. The names appear to have been preserved locally.

According to local lore the last of these, fr. John Tully, O.P. endeavoured to escape the arriving soldiers by swimming across the Owenmore (Abhann Mór) river but he was shot in the water and died. The local people buried his body at the roadside on the east bank of the river roughly opposite the site of the priory. Traces of the grave were obliterated by various roadworks over the last twenty years but its site is remembered, so much for honouring a man who died for his faith!

fr. Thomas S. Flynn, O.P., in his work, “The Irish Dominican Province, 1536-1641”, tells us that Toombeola was founded under the patronage of Saint Patrick in 1427, (note that fr. Flynn adheres to the spelling more consummate with the local pronunciation). It was a time of observant reform within the Dominican Order and many foundations sprung up in the west of Ireland. Unlike their Conventual brothers, the Observants tended to build in isolated areas such as Toombeola. Fr. Flynn gives c. 1570 as the date of suppression and quotes Gwynn & Hadcock’s “Medieval Religious Houses: Ireland” by repeating the story of the settlers removing the stones of the priory to build a castle.
Despite the claim that it was abandoned in 1570 it remains on the list of communities for the General Chapter of 1571. In this list it is referred to as Bealach. However, in 1574, a list of Religious Houses in Connaught, complied for Queen Elizabeth, omits any mention of the community or the premises.

fr. Hugh Fenning, O.P., in his “The Undoing of the Friars in Ireland”, refers to Tombeola only once stating that the Galway community professed novices from Tombeola in the first half of the eighteenth century. In his other work, “The Irish Dominican Province, 1698-1797”, fr. Fenning tells us that:
1720: The Provincial Chapter ordered the provincial to appoint superiors to the destitute convents of Cavan, Clonmel, Castlelyons, Thomastown, Tulsk and Tombeola
1721: fr. Colman O’Shagnussy, O.P., was prior of Tombeola. O’Shagnussy was of Limerick origin but his family had become disposed during the Williamite war. He went to the continent as a soldier. He entered the Order in Leuven and transferred to Athenry where he became prior. He later served as prior of Limerick and some believe that he also served a time as prior of Galway.
1730: at a General Chapter of the Order a fr. Burke of Tombeola was granted the honorary title of Preacher General.
1738: presently administered by Martin Mulchrone of Borrishoole. Of the sons of this convent John Glinn is in the country, William Costeloe is in Spain. There are three of four others in the place. They are destitute.
1756: Thomas Burke did a survey of Dominican foundations in Ireland for his “Hibernia Dominicana” and visited all the sites but appears to have overlooked Tombeola. Burke attributes the destruction of the monastery to the local chieftain whereas O’Heyne claims it was the Protestants [sic].
1761: fr. Edmond Fitzgerald, O.P., prior of Sligo, was appointed prior of Tombeola. The appointment was perceived by some to be a punishment for not supporting fr. Michael Hoare, O.P., as Provincial. Fr. Fitzgerald did not move to Tombeola but stayed on in Dublin with occasional visits to the west. He commenced work with the Discalced Carmelites with the approval of the Dominican Vicar-General. In 1763 he resigned as prior of Tombeola and was assigned to Dublin.

People often use the metaphor of a bank account to explain the ebbs and flows of a relationship; they call it an emotional bank account. You unwittingly open an emotional account with everyone you meet and just like a real bank account you can make deposits and withdrawals. Unlike a real bank account there is very little logic to these deposits and withdrawals. This is because the value we put on some thing we do for someone is often very different to the value they put on it. Also when someone does some thing negative the value we put on that can vary greatly from person to person depending on their perspective.

For example if a man buys a single red rose for his partner he may not value it as much as paying for her car repair but she may think the rose means much more. Even though the car repair cost many times more the rose had a higher value for the lady because it was a symbol of his love for her. This whole system revolves around personal values and therefore finding out what people value is essential for a relationship to grow or be sustained.

Using this emotional bank account can be a very good way of assessing whether your relationship is worth fighting for. You have a general idea of how much the relationship is over drawn, how much pain and damage has brought you to where you are now. By thinking about what your partner does for you and what value you attach to it you can determine how much needs to be done to rescue the situation. If your partner is unwilling or unable to see the deficit they are very unlikely to go the extra mile to repair the damage. You may also feel that your relationship is so much in the red that your partner does not have the capacity to make up the difference.

If you go through this exercise and come to the conclusion that your relationship is too damaged for it to be rescued then you are probably better to write it off.

Breaking up is very painful but can be less so if you can convince yourself that to rescue it would be futile. Decide whether your relationship is bankrupt; if it is save yourself a lot of pain and move on as quickly as possible. This exercise can also be useful for someone who had no say in the end of their relationship; if you come to the conclusion that you could not have rescued the situation then it is easier to accept what has happened.

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by mars_discovery_district

After what feels like an eternity in recession, lenders are still not keen to lend and until the UK general election is over, it doesn’t feel like very much is going to change.

Pre credit crunch times had a mortgage market providing in excess of 25,000 different mortgage deals and loans galore, but today the uk markets have less than 5000 mortgage products on offer to the consumer.

So where did the credit crunch come from and could it happen again?

The US finance markets imploded in the 4th quarter of 2007 due to bad credit on the balance sheets of large financial institutions, which ultimately caused what is known as a credit crunch.

In a credit crunch, lenders stop lending and start hoarding cash because they are afraid of rising bad debts, leading to bankruptcies and loan or mortgage defaults. They charge higher interest rates in a bid to stem the flow of business or reject all but the safest loans.

The UK economy had been flooded with easy to access borrowed money since the mid 90′s, but the credit crunch meant that tightened credit would spell trouble for companies who needing funding in the form of loans to pursue their business plans and the consumer, who had become used to freely spending money they didn’t have, but could easily access on credit cards for expensive purchases such as luxurious holidays and smart cars.

The answer to could it happen again is a simple one, YES!

If an appetite for investment in more risky markets returns, which you have to say it will, then pushing the limits commercially to gain extra percentage market share and profit, could lead to the whole thing happening all over again. Having said that, it will take sometime to get there, as returning confidence to dabble by investors will be slow to return, but good times will return and the painful effects will soon be forgotten.

So, how is the man on the street directly affected?

UK mortgage and loan lenders are releasing more new products on a daily basis and the best mortgage deals of today are soon replaced tomorrow, but the good news is that the deals are getting better and better. The percentage levels that lenders will loan to is increasing and a 90% mortgage, with a competitive interest rate is out there to be found, if you know where to look.

So how do Independent Financial Advisers add value?

Independent Financial Advisers (IFA’s) are well placed to search the market, compare mortgage rates on their client’s behalf and secure a great mortgage rate to suit the borrower’s exact needs. In addition to finance, IFA’s can provide a good value for money service if you are looking to source good quality, value for money, but cheap life insurance cover and pension plans, with advice that is specifically tailored to the individual or families needs.

Financial advice is available in many guises, the internet has led to a plethora of channels being available for the consumer to utilise when seeking help and advice. Finance related price comparison websites have the added advantage of being a one stop shop for all mortgage, loan and insurance needs. By completing your details once, you have the advantage of using their services to trawl the market and find you the best deals available, but there is still an argument for using the services of a local to you, independent financial adviser. The IFA can take the time to understand any unusual circumstances that you may have and tailor their financial advice accordingly and some finance price comparison websites are now offering both options under one roof to facilitate the needs of a far wider consumer group.

by OptionsHouse

My Make-up for the July 3rd “Red, White and Dead” Zombie Walk/Thriller Dance in Fremont


Image by CalamityJon
Okay, let’s take a moment to talk about the makeup. When I hit the theatrical supply store – and by the way, how odd is it that Redmond, Washington, of all places has a theatrical supply store? We only have, like, two bookstores and ZE-RO men’s clothiers. Everything else is either British pantries and Teriyaki places – I knew that I could walk out of there with pre-fabricated latex appliances and "Realistic Gory Wounds" and other assorted festering gashes or bloody abscesses easily applied with some brand of Spirit Gum marketed under the brand name "Makeup Glue".*

(*Which, by the way, is not to insinuate that our theatrical supply store is lacking in any particular way – it’s actually quite good, and the staff is both comfortingly knowledgeable about makeup techniques and pleasantly inviting of new knowledge. They have a pretty good supply in stock, although I felt strongly their lack of liquid latex. I had intended to render the wide, wondrous palette of my denuded pate as a series of mountainous, bloody crevasses and humourous valleys, but rather was relegated to the above muckings-about)

However, there is a part of me which refuses to buy anything wholesale – even if it’s cheaper and easier – if there’s a possibility of manufacturing it one’s-self from household goods and a little classic proletarian craftiness. This is the part of me that’s building a Flea Circus and a Coconut ventriloquist’s dummy, if you must know. I call it "The Plastic Hassle Part of Me."

SO, ceasing my beating around assorted bushes, here’s how my multitude of cranial and facial wounds were invented: Tracing paper, Elmer’s Glue and grease paint. You crumple the tracing paper (tissue paper would work infinitely better, but I’d bought and cannibalized an ENORMOUS sheet of the stuff for another craft project of the "Plastic Hassle" variety earlier, and was eager to make some additional use of my mutilated investment), then give it a good but brief soaking, effectively moistening the torn strips of paper without soaking them to the point of dissolution.

Once moistened, work a liberal (by which I mean, in the spirit of the day, "European Socialist Model") amount of Elmer’s white glue onto both sides of the paper. The water will thin it out and help it coat the paper equally on both sides, inasmuch as Elmer’s is water-soluble. Step whatever: Slap that shit on yo’ head. For extra depth of wounds, allow the first layer to dry and then slap additionally another layer or two on the existing layer. Make sure to let them dry between slappings.

I realize, at this point, you will resemble the victim of some sort of sheet-based bukkake, but that’s because the color needs be added. Using any sort of flat applicator, you’ll want to apply a coat of clown white to the dried, crinkled tracing paper, and following that and using a brush of some sort, you’ll add red, black and brown greasepaints to the textured areas of yo’ haid. I wish I could give you better advice about HOW to apply the colors, but a lot of it, for my part, was instinctive – I’ve spent about twenty-eight years of my life learning how to paint and how to color, so most of my knowledge is more reflex than it is intellectual. I will tell you that I went:

RED – for the thickest portions of the texturing
BLACK – for the areas surrounding the red
BROWN – for the areas leading into flesh.

From that point, there’s a lot of mopping, repainting, re-applying, and mopping again. After that, a quick dose of baby powder (Ideally, made from real babies) and another coat of Elmer’s over pretty much the majority of the face and head (the drying Elmer’s will both protect the existing paint and such, and also will dry in such a way on exposed skin as to make it wrinkle and crease).

Yeesh. After all of that, I haven’t yet talked about the actual Thriller Dance and Zombie Night! Good gravy! I think I’ll leave that for my Livejournal – in the meantime, please note that this photo represents me about twenty pounds lighter than I was in February, following four months of strict diet and exercise, and yet I still bet that no sweet young ladies will find themselves swooning over this photo, as much as large, hairy bears of the West Coast will. That’s okay. I find Bears to be comforting sorts of fellows, and after all, I have my one sweet young thing to swoon over me, if’n I need as much as that. Swoon away, Bears.

Okay, to my Livejournal, where I’ll finish this Great American Goddamn Novel of Greasepaint and Four-Counts …

Retirees often notice themselves with considerable nest eggs, usually lots of thousands of dollars, however very little experience in how to derive required income from their money piles. The choices seem limitless: mutual funds, dividend-paying stocks, municipal bonds, bond ladders, reverse mortgages… it’s no wonder that inexperienced retirees turn to any supply of recommendation they will find.

Investment seminars are offered across North America, and they could appear like a good idea: free investment advice, with a free meal kicked in. Thousands of retirees attend such seminars every year and, to be truthful, several organizations provide legitimate seminars that provide sound investing advice. Additional usually than not, but, a “seminar” could be a thinly disguised sales pitch for investment merchandise that are expensive, risky, and not suitable for retirees who would like a safe way to squeeze income out of their savings.
Some seminars are by invite solely, however many are open to the general public; they’re advertised as seminars that provide objective recommendation on attaining a secure retirement, money planning, estate designing, and different broad topics of interest to retirees. Often, a sense of urgency is implied in the advertising, with tag lines like “restricted seating available” or “call now to reserve.”

However, such seminars are typically staged by insurance or investment corporations, and presented by brokers seeking sales commissions. Though most seminars don’t build direct sales, attendees are encouraged to book follow-up conferences to open an account and invest in an upscale product like an indexed annuity. The presenter, instead of providing objective and reasoned recommendation, can build exaggerated and misleading claims regarding the merchandise that she or he is selling, promising unrealistic returns and guarantees. Many promise annual returns of 12 % or more on an investment, that is merely unrealistic in nowadays’s monetary environment.

Typically, the investment merchandise hawked by seminar presenters are unsuitable for many of the retirees attending; most retirees should invest conservatively, and many are risk averse to start with. Also, the annuity merchandise promoted at these seminars are illiquid: once purchased, they can’t be converted back to money without paying substantial penalties. But, seminar presenters “advise” all attendees to purchase the annuity or alternative product being hawked, regardless of every individual’s investment desires, aversion to risk, and liquidity needs. And some seminar practices are merely fraudulent.

The foremost common product promoted at such seminars — the indexed annuity — is typically not suggested by legitimate monetary advisers. An indexed annuity might sound like a smart deal: once investing a total of cash, the investor is paid a come back that’s pegged to a market index, like the Commonplace and Poor’s 500 Index, that tracks five hundred commonly traded stocks. If the market goes up, your checks go up; if the market goes down, you’re still paid a guaranteed minimum.

However, there are many down sides. Your gains are often capped further, typically solely seven percent. Stock dividends, a large up-side during a volatile market, are often not included in calculating gains. If you need to withdraw your cash, there is a substantial early withdrawal penalty, beginning as high as fifteen p.c of your investment; “early withdrawal” will be outlined as ten to fifteen years. And, after all, purchasing an indexed annuity perpetually involves paying a giant sales commission — that is why brokers posing as “financial advisers” are so desperate to sell them to you.

The Securities and Exchange Commission has investigated the practice of disguised sales pitches and brought cases against corporations engaged in fraudulent practice. Nevertheless, these seminars still be offered. If you have a substantial nest egg and are unsure of the simplest way to speculate it, bear in mind that there is no such issue as a free lunch. Rent a legitimate money advisor to examine your assets and your wants, and offer you real advice.

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by Earthworm

Advice on applying for Cash Advance Loans

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You are in the process of selling a house, when adequate financial is just inadequate. You have no option left but obtaining a bridging loan. However today money market is blooming in with other short-term options, selecting a wrong one can be proves to be fatal. Considering the fact of the matter, the lending authority has come up with the provision of bridging loan advice. This advice helps securing a good offering with more sensibility.

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Related Debt And Loans Advice Articles

You are in the process of selling a house, when adequate financial is just inadequate. You have no option left but obtaining a bridging loan. However today money market is blooming in with other short-term options, selecting a wrong one can be proves to be fatal. Considering the fact of the matter, the lending authority has come up with the provision of bridging loan advice. This advice helps securing a good offering with more sensibility.

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Having a variety of debts becomes rather serious affair for those tagged with bad credit ratings. Interestingly, individuals having bad credit history i.e., CCJs, IVAs, bankrupts, arrears, and defaulters, too can avail the benefits of the Bridging loan advice. Probably, the problem of a bit high rate of interest can only be attested that too quashes under the condition that borrowers offers their existing home as of security of the loans.

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Find More Debt And Loans Advice Articles

You are in the process of selling a house, when adequate financial is just inadequate. You have no option left but obtaining a bridging loan. However today money market is blooming in with other short-term options, selecting a wrong one can be proves to be fatal. Considering the fact of the matter, the lending authority has come up with the provision of bridging loan advice. This advice helps securing a good offering with more sensibility.

Under the provision of good advice of bridging loan, borrowers are able to obtain a good sum of money. A buy to let mortgage sum is allowed to be spent on the purchasing of more than property. Apart from this, borrowers are free to invest the raised sum as per their demand of time and tide. There is no barring at spending.

Having a variety of debts becomes rather serious affair for those tagged with bad credit ratings. Interestingly, individuals having bad credit history i.e., CCJs, IVAs, bankrupts, arrears, and defaulters, too can avail the benefits of the Bridging loan advice. Probably, the problem of a bit high rate of interest can only be attested that too quashes under the condition that borrowers offers their existing home as of security of the loans.

Entire of the provisioning procedure of bridging loan advice can be worked out in person by the borrowers within the stipulated time. However, if your time is not well suited to lenders, then no problem at all, the facility of online service too is available round the clock. The method is very simple and convenient. Upon processing online not only saves time and energy of the applicants, but also offers varied lending options of borrowing.

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The forex trading online services are only depending upon three types of keys such as price movements, mitigating the risk and predicting timing. The online services are more useful for the stock market. The forex.com is the best choice of forex trading online services because they have lot of platforms for traders such as wireless trading, forex trader and Meta trader. Normal demo account of the online trading is 1:200 leverage only.

There are number of application program given to the forex trading such as providing the customers with high level information, trading station v2, live chat, educational services and support services through phone. Normally the forex brokers are intermediatery for both like currency market and trader. There are number of features included in the forex brokers like 50 currency pairs, spreads are among the lowest, starting rate of EUR/USD dollar is 1.5 pips and no requisites.

The automated forex trading services are promoted by the number of parameters such as cost trends, perform profitable trades globally and spread discrepancies. In recently the forex trading services have become extremely profitable accounts growing up week after week. If people want to install the automated forex trading system, it can be done  within 15 minutes only.

by Thomas Hawk

Living a responsible life includes having a sound financial plan in place and practicing wise moves and decisions when called for.  It’s like playing a game of chess.  No one plans one move at a time.  You should already have the next three moves in mind with possible permutations in case your opponent makes an unexpected move.  In order to reach such a level of competency, you’d probably relied on a history of previous actions and learnt from successes and mistakes.  In addition, you also leverage on sound advice from experts on how to plan and execute well.

A common yet often neglected adage is failing to plan equals planning to fail.  Although this nugget of planning advice may sound stale, it still rings true throughout the ages.  Perhaps with the financial instability looming above head, it’s more essential than ever to take heed.  Whether your main goal is to make money, save it, rid yourself of debts or whatever quandary you’re in, the best advice is to organize your finances.

Many individuals as well as organizations are beset with bad financial situations due to absence of a financial plan.  There are many ways to obtain good advice on how to come up with a plan to suit your individual or corporate needs as everyone was not cast from the same mold.  Online financial sites offer free and easy tips on how to understand your finances so that you can take it by the horns.  Once you grasp the basic elements, you then formulate a plan based on reliable advice from these financial experts.  Note that reputable sites shouldn’t be in the business of goading their clients to making rash decisions.  If you detect a hint of pushing towards uncomfortable territory, immediately contact the site’s supervisor or whoever relevant.

Although some establishments offer free advice, these are normally run-of-the-mill guidelines to equip novices with basic knowledge.  For more specific advice or customized to your needs, you may need to engage the services of a financial expert or consultant.  Fees attached to the provision of such planning advice may be a fixed amount or tagged to commissions, thus giving the consultants some incentive to perform an up-sell.

Financial planning needn’t be as complicated as it sounds.  By taking control of your own day-to-day expenses, you should be able to stay away from sticky situations.  Simple actions such as shopping around for the best buys, planning purchases to earn maximum savings, taking on a better job, earning an additional qualification and many more make up ingredients of a good financial plan.  Avenues to obtain professional advice are normally useful when you are about to embark on major financial changes or planning well into the future such as savings for retirement.

Planning advice is only as good as its source and its implementation.  Having a great plan but not following it won’t get you any closer to your dream home.

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by cambodia4kidsorg

When you have a certain level of wealth, you really need a professional who understands your unique needs and offers customized advice accordingly. If you are also on the lookout for something similar, you may want to use some services offered in private banking.

Private banking is actually a combination of different high quality services. For instance, a private bank can offer investment advice. They make use of different methods to manage your investments and finances in a much better way. They sometimes make use of discretionary management and sometimes help you with advisory mandates. Whatever the method, they always offer regular reports to help you get information about the current value of your investment.

Today, financial markets fluctuate on a great speed. It is due to this particular reason that you need to react to the situation almost immediately, or else you will lose a lot. You can expect great success by making use of the services like discretionary asset management. Here, your personal relationship manager sits down with you and determines your specific investment goals and expectations. While doing so, they always consider your investment horizon, risk tolerance, anticipated cash flows, and income needs. Once done, an investment strategy is defined for you, which is often adjusted according to the ever-changing marketing conditions. Usually, the investors who opt for this type of service come with long term investment point-of-view and ask a banker to take care of their investment portfolio.

On the other hand, you can find some people who prefer to make their decisions on their own. For these clients, a private banker comes up with active advisory services. When you have fixed objectives, you can make use of some private banking to get tailor-made solutions. These advisory services are usually available for a variety of instruments, including bonds, equities, commodities, investment funds, foreign exchange, and structured products. Here, you are free to make your own investment decisions, but your banker provides you with all essential details and info. Since several private banks manage teams of professionals all over the world, they let you know when they think the time is right to buy, sell, or hold.

What sets a private banker apart from others is that they always keep your personal and professional situation in mind. This puts them in the best position to find a right strategy to help you manage your portfolio. Not only this, some of these institutions can actually help you with private financing, which is much better than mainstream finance options.

The fact of the matter is that private banking is something much more than traditional banking services. It’s all about getting services that are exclusively designed keeping your unique circumstances in mind. It doesn’t matter if you have short-term investment goals or you need to manage your portfolio over a longer period of time, you can always get in touch with a private banker to find out more about the best strategies for yourself.

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For managing the gap of buying and selling of your property the debt experts will mostly provide you the bridging loan advice. This advice has been found to be working a lot in such cases when you need to buy a new home by selling your old one. Not only even in case of your home, you can use these loans for any other type of property.

The types of property that you can purchase by using these loans are business sites, land and office building. In this process you will be able to buy a home without selling your existing one. You will not have to keep waiting for an appropriate buyer of your home. So, without waiting for a better deal you can arrange money and these loans will help you in that. In this way, you will not have to loose the new home just by waiting for the buyer of your home.

These loans are available in two forms- open ended and closed ended. If you want to sell your property later on and want money to buy the new property first then the open ended loans will help you in that. However, those who have already finalized the selling of their existing property can go for the closed ended loans.

These loans are short term in nature and hence, you have to sell your property as soon as you can. The offered amount in these loans ranges from £100,000 to £400,000 for 1 to 12 months. To get rid of paying the interest rates continuously; you will have to repay the loan as soon as possible. However, as you will have no pressure, selling your home in a good price will be easy for you.

Thus, the bridging loan advice can help you greatly and no one will ever have to take tension for buying properties.

by OptionsHouse

Night Time at the Garden


Image by Kivus
It’s conventional wisdom that the best time to shoot photographs (especially in landscapes and nature) is the first and last hour of sunlight during the day. This "magic" / "golden" hour normally provides warmer colors and better shadows (or so I’ve been told). As someone still learning the craft of photography, I’ve tried to take the advice about the magic hour to heart and get out and shoot at those times whenever possible (normally the last hour of sunlight more than the first, due to my particular sleep schedule), however, I normally end up have some problems with the result. The most basic problem I have is that when I expose for the sky, I end up with the other areas being very dark. I think the easiest way for me to rectify this is problem is to shoot a slightly longer exposure to get more of the ambient light into the frame. As someone who shoots primarily hand holding his P6000 however, this could mean I end up with some unsharp images. A solid investment would probably be a tripod, however, at this point I really don’t have money to pour into my craft. Forced to get creative with solutions, I’ve tried to be a little more aggressive in the digital darkroom when processing this images. This is the first of two images from a recent trip to Boston that I think came out fairly well. Ideally, I think I would have taken this shot about 10 minutes earlier than I took it, however, I’m still pleased with the final result.

johnkivus.com/2010/02/26/night-time-by-the-garden/

Ethical investing is concerned with industries that promote affirmative environmental programs, sustainable growth, and good corporate governance. Many people still think that investors in green industries may lose their money in the long run because it is difficult to maximise financial return when taking social ethics into perspective.

However, developments in the last 5 years would contradict this as there have been significant players entering “green industries” in recent years. These companies offer investors a diverse portfolio that provides potential for competitive returns. The industries these large players have entered vary substantially, however there are 10 key industries that you might want to look at to add to your portfolio of ethical investments:

1. Solar Energy

There is a growing solar energy industry that includes solar cell panel and component manufacturers and solar energy providers. Prominent solar power stations are scattered throughout New South Wales, Victoria and the Northern Territory.

2. Wind Power

The wind power sector not only specialises in the generation and sale of power, but also in the design and construction of wind turbines. This high-growth industry has spawned windmill farms across South Australia, Western Australia and Queensland.

3. Water Utility

There has been a growing need for alternative sources of water in Australia because many states are facing desertification and drought. Ethical investments have supported companies that operate water purification and desalination plants. The Environmental Group (EGL) provides clean water and clean air solutions.

4. Waste Reduction

Ethical investments in the waste reduction and recycling sectors have led to the establishment of various recycling centres throughout Australia. The number of recycling facilities that recycle plastic, metal, and organic waste has substantially increased after the establishment of a national voluntary recycling plan by the Australian and New Zealand Environment and Conservation Council.

5. Green materials

The use of green materials for everyday necessities is becoming more prevalent.  Papyrus (PPY), for example is using waste banana trees to make paper and fire proof doors.

6. Alternative Medicines and Health

Investors that are interested in health and wellbeing are supporting companies which focus on preventative health measures like vitamins and diet.  Blackmores (BKL) is an Australian company which provides products like vitamins, as well as information on diet, stress management and other health topics.  Other cutting edge medical companies include Tissue Therapies (TIS) which has developed a way to enhance wound healing and tissue regeneration.

7. Carbon Offsetting

Many top Australian companies are also helping to reduce pollution by participating in the Carbon Disclosure Project. The project records those companies that wish to measure and disclose their greenhouse gas emissions and climate change strategies. As shareholders and the community are becoming more aware of carbon emissions, this sort of project helps to keep companies accountable. It also helps identify the lowest emitters or those that are actively reducing their carbon footprint.

Those businesses that want to offset their greenhouse gas emissions need to use companies that have large forestry plantations, like CO2 Group (COZ).  Investors that are interested in the growing future of carbon offsetting and carbon emission reduction are investing in such companies.

8. Fuel Cell and Biofuel

Many investors are supporting ethical investments in the effort to find alternative fuel. Fuel cell technology firms and biofuel companies have become prime movers in the advancement of clean but reliable fuel, some of which are already available in some in electric vehicles and hybrid cars. Hythane is another alternative clean energy fuel which is currently used by Eden Energy (EDE).

9. Pollution Control

The pollution control industry is on the rise following the growth of companies that specialise in reducing greenhouse gas emissions. There are some pollution control companies like Hydromet (HMC), Dolomatrix (DMX) and Tox Free (TOX). Hydromet is recycling batteries and Dolomatrix recycles light bulbs and similar items.

10. Energy Efficiency

Few companies specialise in this field so you have to choose those who have had relative success in their line of business. Energy efficiency firms help individuals and businesses become energy efficient and comply with local energy regulations.

Summary

Ethical investing, for some investors, means investing in industries that promote affirmative environmental programs, sustainable growth, and good corporate governance. Many people still think that investors in green industries may lose their money in the long run because it is difficult to maximise financial return when taking social ethics into perspective. However, performance wise, it has been proven in Australia and New Zealand that investing responsibly performs on par with or better than the broader investment market.

The latest Benchmark Report prepared by the Responsible Investment Association Australasia (RIAA) details the performance of Responsible Investment (RI) in Australia.  The following chart shows performance figures for the seven (7) year period ending December 2009*. The main points are summarised below:

Australian RI share funds enjoyed a stronger return than the mainstream average.
International RI share funds also outperformed the mainstream average.
Balanced Growth RI fund performed slightly below the mainstream average.

FUND TYPE   AUSTRALIAN SHARE FUNDS  INTERNATIONAL SHARE FUNDS BALANCED GROWTH FUNDS

Average RI Fund         12.64%                         8.06%                                             5.09%
Average Mainstream fund      11.52%              1.43%                                              5.16%

*Responsible Investment 2009 prepared by Corporate Monitor for the Responsible Investment Association Australasia. This report uses Morningstar, Fund Manager data and is available at www.responsibleinvestment.org

Karen McLeod is an Authorised Representative (No. 242000) of Ethical Investment Advisers (AFSL 276544). We provide investment advice for ethically-minded and socially-conscious investors that are seeking competitive returns. Ethical Investment Advisers (AFSL 276544) has been certified by RIAA according to the strict disclosure practices required under the Responsible Investment Certification Program. See www.responsibleinvestment.org for details.

The contents of this article are intended as general advice only. No specific person’s circumstances, financial situation or objectives have been taken into consideration. You should not act on the information provided without seeking personal advice from an appropriately qualified financial planner. Information included from third parties has been reproduced with their permission.  While the source has been verified as reliable, the actual content has not been checked for accuracy. Consequently Ethical Investment Advisers does not warrant the accuracy of the information nor accept liability for any errors in the data.

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If your credit report illustrates that you are not a trustworthy borrower, or if you simply lack a solid credit history, you may to have settled for high interest, tough loan program. Still, you can have solid reason to get cost-effect loans even in you bad credit situation. Bad Debt Secured Loans are such money provisions which can help you procure a good sum of money for longer period. You need only to follow smart budgeting advice and make viable repayment as per your priority.

Collateral based these money provisions can bestow you with a good sum. Amount sanctioned under the money provisions varies from person to person and lender. However, in general, you can get privilege of obtain a sum anywhere from £3,000 to £75,000. You secure the loan benefit for a minimum of five years. Yet then, people can extend their repayment period a maximum of 25 years. In the meantime, borrowers have to repay the loan amount. The amount contains the principle amount of the loan and some charges.

Charges paid upon secured money provisions are taken in the form of APR (annual percentage rate). These rates are cheaper to other money provisions. Nevertheless, for the best possible deal, you can shop around in the money market. There are several lending options available throughout in the financial market of the UK.

Taking out personal loans with credit problems in your past can be something of a challenge. A quarter of lending options is available. You can apply for the loan from any commercial bank, building societies, and from high street lenders. Applying from a high street lender is preferred these days. You can access to them online too. By processing the loan through online, you can get other financial options too. After comparing different loan quotes, you can cull out the best possible cost-effect for you.

Unsecured personal bank loans, also called signature loans, are secured only by the borrower’s promise to repay. Find out why unsecured personal bank loans often come with high interest rates withhelp from a financial planner in this free video on personal loans and money management. Expert: William Rae Contact: www.hbwfl.com Bio: William Rae has been licensed in the insurance and financial fields for more than 30 years. Filmmaker: Christopher Rokosz
Video Rating: 0 / 5

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It won’t have escaped the attention of fans of the successful BBC soap ‘Eastenders’ that Albert Square Post Office franchisee Zainab Masood is in severe financial difficulty and needs a minor miracle to help her out of her perilous position.

Although her financial woes are merely a sub-plot as the soap pursues other major issues, it will only be a matter of time before Zainab’s situation comes to the fore. However, if Zainab was a real businesswoman and not just a fictional character what options would be available to extract her from such a dire financial situation? Unfortunately, there is no easy answer as it would depend upon several key factors relating to her business and also her own circumstances.

First, Zainab must confront the issue head on and make an honest appraisal of hers and the Post Office’s finances. Preferably, she should not keep it to herself but enlist the help of debt experts and perhaps involve her nearest and dearest. Sharing the terrible burden is the first step to overcoming it.

Next she could consider a debt consolidation loan. However, as you would expect business debt consolidation is more complicated than the personal variety. Thankfully, there are many specialist companies that offer advice and they will appraise the situation and come up with the best solution, although dependent upon factors currently affecting the business.

Rather than a corporate debt consolidation loan they may recommend that rescheduling the debt is the best option. That would involve refinancing revolving, term, and equipment loans and structuring the repayments in line with the business cash flow, enabling Zainab to better plan the way she runs the Post Office.

Alternatively, they may indeed agree that a corporate debt consolidation loan is the best way for Zainab to extract herself from her financial difficulties. Settling with a number of creditors and replacing assorted payments to them with one convenient monthly payment will significantly reduce Zainab’s administrative burden. It will also go some way to restoring good working relationships with her suppliers, which have become strained of late due to her making late payments to them, or even missing payments altogether!

However, whatever solution real life businesses would be able come up with you can be sure it won’t be that straight forward in soap-land, where there is bound to be some twist in an otherwise straightforward plot. So, while Dot Cotton is living in fear of the young thugs that are terrorising her in her own home and Ronnie decides whether there is any future in her relationship with Jack, Zainab will doubtless come up with some bizarre way of overcoming her debt problems.

Thank goodness it’s only fiction!

by niznoz

In response to President Bush’s 0 billion bailout plan for the failing banking sector Grimes said, “A plan to again help the banks and not meet any of the real needs of the homeowner or borrower. I think it’s a joke! Why can’t the government be honest with us and call a spade a spade.  I’m sorry I meant a recession!!”

Continuing in the no-holds-barred style of speech that has made him both a popular radio host and public speaker Grimes continued, “Executives of these failing banks need to be stripped of their retirement, salary, stocks and assets.  Why shouldn’t they feel like the folks they took advantage of?  They have committed a crime!  If they were big time drug dealers, the system would strip them down to nothing.  Let’s cut the lavish lifestyles of these criminals, and let them pay the price for their misdeeds. Why are tax payers picking up the tab for these crimes? These people are no better that drug czars!”

President Bush’s recent proposal to fund a bailout of Wall Street with taxpayer funds has many in the country up in arms. Callers to Grimes’ popular WeTalkRadio247 show are largely an urban and minority audience seeking advice on things like first time home buying, foreclosure avoidance and real estate investments. Like many throughout the country, and congress, they are angry. “My callers want to know why a bank executive is getting relief, but a homeowner facing foreclosure is not. It’s crazy and someone needs to say so.”

In addition to minority advocacy, Grimes tours the country with state and private organizations offering advice to industry professionals on how to survive, and even thrive, in a down economy. Yes, he’ll even call it a recession. Grimes is an advocate of using Internet tools as a form of education and communication. This passionate educator is the author of books like The Brand You-nique Way to Niche Marketing: The Podcast, and transmits a weekly show aimed at educating minority and urban home buyers.

While Grimes agrees that a down economy can be a good time to buy, he warns potential buyers that getting into a home right now involves more than just a down payment. On the Fox TV broadcast he said that we are in a “credit crunch” that has made criteria and documentation more stringent, that banks want to see cash reserves, and that they want buyers to “put more skin in the game.” The vocal entrepreneur has acknowledged that homebuyers also have an ownership role and responsibility for understanding their loans, but he’s adamant that the solution requires education and co-operative that the current administration does not seem willing to provide.

“We need to offer help and education to homeowners and potential homeowners,” Grimes emphatically stated. “The president’s plan does NOT do this! It only offers help to the criminals, the dealers, who got us into this mess to begin with. Let’s find a way to help the homeowner, the person who is working hard on a daily basis to put a roof over their kids’ heads.”

Banking and real estate advice! Find out how you can put cash down on a house in this free video on insider banking and finance advice. Expert: Levi Culbertson Bio: Levi Culbertson is a 2000 appointee of the United States Air Force Academy. Following the appointment, he moved to Marshall, MN where he was employed in property management by Robert L. Carr. Filmmaker: Nili Nathan
Video Rating: 5 / 5

by Fergal Claddagh

Bank loans, government loans, and funding from private finance companies are some of the financing options available to you when financing equipment for your business.

Equipment financing can provide numerous benefits to a wide range of businesses, from small beauty shops to large manufacturing firms. These enterprises have a finance source that can be used to purchase equipment that is necessary to operate their business. Additional benefits of equipment finance wa are the tax benefits, decrease debt and a more constant, stronger cash flow. Before securing an equipment finance, study and compare the terms and conditions of the loan with different lending agencies. There are many equipment financing options available. You should only choose the one which is suitable for your business’ situation and the needs.

Funding from private finance companies

A lot of equipment manufacturers have established relationships with private finance companies. These private finance groups offer loan and lease applications for the manufacturer’s customers. One advantage of equipment funding from private finance companies is that the arrangement may include special programs like a payment free period or reduced interest rates offered especially for the equipment manufacturer’s clients. Because private groups specialize in equipment financing, they can offer sound advice regarding different leasing and borrowing options they have available. They can be helpful in figuring out whether the quality of used equipment can still qualify for a loan too. Getting high quality equipment is a good idea for both you, and your lender, because, if you default on your loan, the lender will then have to sell the equipment as collateral. There is a clear disadvantage to lenders in the instance where the value of the equipment is actually less than the amount of the loan or the lease.

Equipment financing by banks

Most large banks offer financing options tailored especially for businesses. Banks have identical goals to private financing groups, yet they tend to lend to individuals on the basis of whether that person qualifies for a long, regardless of the place that the equipment is purchased at. Make inquiries of area lenders, then compare the various offers, rates and terms to determine what might work best for your business. No doubt local banks are better acquainted with local businesses, and can give you the best advice about purchasing equipment and where the best deals are on used equipment.

Loans through the government

Equipment financing for businesses may be offered by some government agencies. You might have to submit requirements and financial projections that will prove that the additional equipment will help improve the business’s operations and financial standing. You may be eligible for lower interest loans through your local economic development agency if you can show how your equipment purchase will allow you to keep employees or create jobs.

The profitability and efficiency of your business depend on the equipment that you have in your business. Proper structuring of the purchase should allow continued balance sheet strength.

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It is not surprising that so many people are having issues with paying there credit cards and this is causing many families to have issues. It is time to do something about that debt and many people are turning to getting a Debt Consolidation Loan so they can take all of there old existing debt and roll it into one easy to manage loan. There are many benefits to getting this type of loan and reducing the stress of dealing with so many bills each and every month. It is not hard to do but you need to make sure you find the best loan that fits your financial situation.

Find Free: Debt Relief Now

it is important to understand that even though you may have got yourself into debt there are ways that you can get out and have a more financially secure life. It is hard to buy the things we want and many times we use our credit cards to do so. It is ok to use your credit cards if you have enough money to pay the balances in full each month. If you do not have the money then you can get into trouble because you may end up spending more than you can pay.

You Can: Eliminate Debt Today

There are many ways you can get a Debt Consolidation Loan and getting professional advice is always recommended. There are many places that you can fill out a small form and they will talk to you for free and it is well worth your while. Sometimes credit finances can be confusing and talking with someone that knows the ins and outs of the financial world is just what you need to eliminate your debt now.

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