Collectors V Resellers, Can’t We All Just Get Along?

Tens of thousands of years ago the very first humans survived as hunters and gatherers. Our ancestors went out into the wild with basic tools and weapons to hunt for meat, and they scoured the forest for fruits, vegetables and berries. At the end of a hard day at the office these simple people would sit around their camp fire dividing up the spoils of the hunt. One of the cavemen always took a little bit more food than he could eat because he figured he could then use it to trade with later. If he didn’t want to tidy up after himself he’d just bribe someone else with a little meat. Didn’t fancy going out and hunting a mammoth? Why, he’d just offer up a handful of berries for any man who’d go in his place. Once the other cavemen noticed what he was doing, some of them kicked off about it, and a never ending argument began.

Okay, now my understanding of the dawn of our civilization might not be one hundred per cent accurate, but the point is that if we fast forward to 2016 then essentially the same thing is going on today. No matter how far we’ve come as a species, there’s always conflict, and there’s always somebody who seems out to get ahead at the expense of somebody else. But who is in the right and who is the wrong? Is somebody doing you ill or is that just your perception of the situation because you’re not getting your own way? These are important questions, and when it comes to the subject of collectors and resellers in the retro gaming community, there’s no easy answer.

The idea of retro game collection is a simple one. The collector wants old games. Perhaps they want to preserve video gaming history for future generations. Perhaps they just really like playing old games that remind them of yesteryear. Maybe they just think that retro games look cool on their shelves. Whatever the reasons behind it, the collector just wants to collect.

There’s something about collecting that most of us can relate to. When you’re at school there’s usually something that’s popular that all the kids are into. When I was in primary school all those years ago it was Garbage Gang trading cards. Man, we loved garbage Gang. We were crazy for them. Practically everyone in our class, boys and girls, collected Garbage Gang, traded Garbage Gang, and played with Garbage Gang on our lunch break. That mentality sticks with many of us as we grow, only most of us don’t carry on collecting Garbage Gang into our adulthood (I sold my complete set in 2010 and put that to rest). As adults our houses become filled with movies, music, books and a lifetime of photos and memories. We have shelves filled with books. Maybe it’s photographs or paintings or furniture. I have a thing for my travel photography and hang them everywhere, but I will always have a gaming collection as well. There’s just something satisfying about having a collection of things you like.

The idea of reselling is, again, a simple one. Like our caveman friend from earlier, somebody will always notice that there’s a gap in the market. Value is, essentially, whatever someone is willing to pay for something. You might not think that a handful of berries are enough compensation for going out and facing a woolly mammoth in battle, but if someone is willing to fight that mammoth for you then that’s what the berries are worth. The principle hasn’t really changed over the years. If somebody is willing to pay top dollar for something, then that’s what it’s worth.

But at what point does selling something on become morally questionable? Well, what if our caveman friend with the berries knows his friend just really loves berries and knows he’ll work for them? Is that fair? What if his friend is starving to death and he’s putting him into a dangerous position because he knows he needs the food so badly? Then it’s a little more questionable, surely, and you can understand why some might find that tactic to be aggravating.

Collecting versus reselling is an argument that has arisen within the retro game collecting community in recent years precisely because of this moral grey area. Collectors want to collect because that’s what they like to do. Whether they’re doing it to play the games or to look at them or to preserve them, they’re doing it because of a love for collecting and not for their own personal monetary gain. Resellers have noticed that old games are highly sought after by these collectors, and so they seek to acquire games, particularly rarer titles, to then sell them on to the collectors for profit.

It’s easy to see why the collectors might find reselling so contemptible. Reselling effectively drives up the market value of games, which makes it more difficult for collectors to do what they love to do. A reseller might go to a garage sale and spot some old games that they know are worth serious money to the right people, but to the people selling them, they’re just junk that they’re selling for pennies. Have you ever seen Toy Story 2? It’s essentially what the chicken man does when he spies Woody in the garage sale. He knows that the cowboy toy is worth big money and so he wants to try and trick Andy’s mother into selling him for next to nothing so he can maximise his profit. The chicken man might be a comedy animated villain (voiced by Wayne Knight, no less) but there’s people out there doing that every weekend to try and make money from video game collectors, and so isn’t that something we should be annoyed about?

There’s something that seems inherently shady about buying games that you know are worth a lot of money from someone who doesn’t have that knowledge and is selling them cheaply, and then exploiting that situation for your own benefit. But is the reseller really to blame?

For many thousands of years gold has been a valuable commodity here on Earth. The reason that it’s so valuable is that it’s so rare. As I learned in a documentary starring Professor Brian Cox a couple of weeks ago, gold is formed when massive stars explode, and those are such rare occurrences, that if you were to collect all the gold the human race had ever found it would still only fill three Olympic sized swimming pools. Today, we attribute value to things other than shiny, rare metals we dig out of the ground.

Games and gold aren’t so different. Resellers are, essentially, modern day prospectors, heading out and looking for the precious items that they’ll then be able to sell on to the highest bidder (quite literally in many cases, since these games widely end up on eBay). Resellers are searching for a rare or valuable commodity and then they’re selling it on to make money. Collectors find it distasteful because they think it drives up the cost of the games they want to collect, and because the resellers in question aren’t buying the games for the love of collecting, but for the love of profit.

But should collectors really begrudge resellers a money making opportunity? We all make money in our lives. And we all do different things to make our money. Is making money from selling old games any worse than, say, selling your old clothes? Presumably, somewhere out there, there’s somebody that loves collecting old clothes. Are they currently on an Internet forum somewhere, moaning about people who don’t care about collecting clothes going to charity shops and snatching up all the bargains?

More importantly, do the actions of resellers actually negatively impact the ability of collectors to collect? Value is what somebody is willing to pay for something, but if they can get it cheaper elsewhere then they’ll likely do that. A reseller can’t charge too much for the game he picked up at a garage sale because, unless there’s only one copy in existence, somebody else will be selling it at a much more reasonable price and the collector could just buy it from them. That’s how the free market works. Buys and sellers, together, determine the market value of an item. And so if collectors aren’t paying ridiculous prices for the games that resellers are offering, then those resellers will need to lower their prices. It seems short sighted to believe that there are evil resellers out there buying up all of the stock of old games and making all of the poor collectors remortgage their houses just so they can afford a copy of Stadium Events on the NES or Power Strike II on the Sega Master System.

The truth, as is generally the case in this sort of conflict, is somewhere in the middle. Resellers are, essentially, buying something and then selling it on for a higher price. That’s exactly the same as what shops all across the world do, including the shops that collectors will often go to on the hunt for classic games to pick up. Collectors often pick up a handful of games off the forums or a Facebook gaming page, knowing they’ve already got most of the those games and are only buying the bundle for the one title, they then sell on those duplicate copies of the games they own, unwittingly becoming resellers themselves. I’ve done it myself. We all have…

There’s no real black and white answer here. It’s easy to understand why some collectors might hate the idea of resellers getting in there before them and finding a classic game for a bargain. But there’s nothing, fundamentally, wrong with somebody selling items to make some money. It’s no different to how any shop works. Buy low, sell high; it’s the general principle that any business across the world operates under.

Maybe it’s high time that collectors and resellers put down arms and just did their best to get along. A good friend of mine who is a proper, die-hard collector has befriended one of the said resellers and now gets offered first dibs on the minty fresh stock the guys finds each week. That seems like a great solution to me! There are more than enough classic video games out there for everybody, and if occasionally you have to pay more money than you’d like to pay for something then that’s just the nature of collecting something. If you want something that badly then you should be prepared to pay for it, and if you’re not then are you really that committed to collecting, or are you just hoarding?

Hobbies cost money. My bank balance can attest to that. Over the years I’ve spent a fortune on things that I enjoy, and I wouldn’t even dare to guess at how much money I’ve spent on video games. Do I resent it? No. Gaming is my hobby, and I’ve been collecting games for over twenty years because of that. As we talked about earlier, value is determined by how much someone is willing to pay for something. That counts for collectors too. How much will you pay for something you enjoy doing?

CNBC Fast Money And The Halftime Report

CNBC Fast Money is a financial talk show in the US mainly discussing stock trading. Since 2007, it is aired every night at 5 pm or an hour after the conclusion of the NYSE. But in 2011, this financial investing TV program was moved to Mondays to Thursday to give way to special programs and forex trading on Fridays. The show is taped in NASDAQ headquarters in New York. After Dylan Ratigan, who is now the host of Fast Money?

Vibrant and dynamic, the panel referred to as the Fast Money Five and host Melisa Lee offers an interactive stock trading talk show. When the trade is closed, Melissa and the Fast five provides input about the significant financial trends and how viewers can gain profit. How can you gain fast cash with this program?

Often visited by experienced traders and panelists, CNBC Fast Money offers valuable insights for viewers who are interested in stock trading and individual or corporate investors searching for crucial information. With interesting segments and program features that provides marker for the most significant pops, drops and notable players in the stock market, this program is directed to the financial world and catered to help traders in the succeeding days. What about the program’s ratings?

The first 13 episodes of CNBC Fast Money in 2006 at Wednesdays 8 pm were very low at estimated 110,000 viewers a week. The program was moved to a new timeslot at 5 pm resulting to its better reception and higher ratings. Viewership has doubled within a few weeks. Then after this 5 pm test, the network re-launched the program back at 8 pm hoping it might have gained footing after the amplified viewership. It failed. Ratings plummeted again. Fortunately CNBC retried the program at 5 pm and had gained its intended viewership for good. What about the Halftime Report?

CNBC Fast Money Halftime Report has similar format but airs after noon. This show debuted in 2010 and was initiated from the segment on CNBC power Lunch. This special edition is hosted by Scott Wagner and airs live from Global HQ in New Jersey. Initially aired as a 30-minute talk show, the halftime Report became a one-hour TV program in 2011 and moved up to the noontime programming. This is the replacement of the cancelled show “The Strategy Session,” which suffered from very low ratings. Individual and corporate traders and investors can watch this show to monitor current trends in the stock trade and get the latest insights from the experts.

Taxi ‘Recap’ – The Short Version; Part 1

For the record, here is a précis of the brief I received:

…what it really entails and why taxi operators are up in arms about it, probably for the March 2007 issue, although it’s quite topical now. By then, some progress will hopefully have been made. “It should discuss why and when the program was introduced, implementation date, cost to government and taxi operators, operators’ response during this time (last week of Nov ’06) and the chaos and violence caused on the roads, etc; where progress with the program will stand by January/February and the road forward. Negative comments by experts infer that the program treats the symptoms and not the causes: lack of driver training, non-roadworthy vehicles, overloading, ineffective policing, etc.”

N B: All the quotations in boxes come from an address by the Minster of Transport to Top Six Management Ltd, August ’05.

Forgive me my levity, but herein lies an entire research project and a history that dates back to the early ’50s. I don’t have all the answers to hand and won’t be taking six months to assimilate them. Taxi violence, though, has been with us for two decades plus and the taxi industry has also taken considerable blame for the train violence experienced during the ’80s.

“Deregulation of the transport sector in the late 1980s brought its own problems. This has seen destructive competition among taxi operators, as well as self-regulation by the taxi industry.”

My collection of 66 news clippings from 2005 (and a filed copy of the Minister’s speech) exists because I proposed a research survey on what taxi drivers and operators actually understood and thought about the process. At the time, research funding for Transport/Traffic/Road Safety was completely discontinued. Taxi operators are still striking a year later, which, I believe, says something about government’s understanding and perception of feelings on the street.

“Taxi associations and their members have become…protective of their turf…impeding access to lucrative routes and ranking facilities to…operators from rival associations…this has resulted in conflict within the taxi industry.”

At its inception, during the mid-’90s, ‘taxi recap’ was considered a ‘done deal’. It still is. The only real problem with that appears to be the refusal of the industry to do, without question, exactly as it’s told to do. ‘Done deal’ or not, doing takes a lot longer than planned!

Space allows only a rough explanation of some of the factors leading to the present, but there can be very few South Africans who have managed to play ‘ostrich’ efficiently enough to have ‘taxi recap’ pass overhead, unnoticed. By virtue of their profession, the traffic fraternity should already have, at least, a vague understanding of the processes involved.

Potted history

By the late ’50s, the black taxi industry was already a reality in Alexandria and Soweto. The vehicles generally used to transport paying passengers were large sedans of the Cadillac/Valiant variety. The industry may initially have begun when one Mr Big Shot, extremely-proud-second-hand-vehicle-owner, realised that running a car costs far more than polishing it and watching it stand idle.

In a world where few families owned a second car, and most people relied on public transport to get to and from work (bus and train services were not much better then, than now), most jobs required daily trips to a common destination. Suburbs and townships were residential facilities only. Industry and business knew its place – in the heart of city centres – and presented the practical possibility of car ‘pooling’ to share commuter costs.

The original minibus taxis were second- or third-hand VW ‘Combis’ that had risen to fame in the flower power era, when students could live, love and lubricate from interior foam mattresses. They were then discovered by those mums whose sole, practical, out-of-home function was to negotiate the daily school taxi rounds. Once they moved on, by the late ’70s/early ’80s, a pay-per-person ‘khaya’ taxi industry became a reality.

“There is no doubt that the aging and unreliable taxi fleet poses serious problems and challenges, not only to the commuters, but to the operators as well.”

Entrenched industry

Initially, trips were over short distances, but later, long-distance passengers began converting from train for their bi-annual trips back to rural villages and different provinces. Taxis would be stacked high with cases, bags, mattresses, furniture and animals (for slaughter); luggage that would have been rejected by rail authorities – and voila! South Africa had found its very own, unique, distinctive, mode of transport.

“The taxi industry was able to take advantage of the gaps in the formal public transport system, and positioned itself as the public transport mode of choice.”

While it is true that Apartheid showed far too much concern about what was actually carried in minibus taxis (regular, road-block army searches uncovered an endless supply of weapons during the ‘struggle’ years) it virtually ignored the industry’s core function: transporting people.

“The apartheid government did not view the taxi industry as part of the formal public transport system, and denied it access to the subsidy and other forms of support.”

Train and bus services were invidiously replaced by taxi services, especially as industrial and business areas mushroomed across the landscape, suburbs and rural areas. It became too much trouble for the authorities to run several different public transport routes, and the more easily maneuvered taxis serviced a desperate market. Long-distance rail services became obsolete, although a vicious war between short-distance rail, bus and taxi commuter services was declared.

Violence on trains and buses forced passengers to patronize the taxi industry and wherever sufficient custom could not be found to fill the cabs, it seemed that shots were sure to follow…drivers and associations apparently poached each others’ territory and were merciless to the paying public. Probably as many people fell off trains, as fell into SAP/army hands.

“Transport deregulation was the root cause of the so-called taxi wars that ripped through the industry and our society during the 1990s.”

Come 1994, with stability and optimism top-of-mind, our new political minders showed a worthy determination to regulate all those areas of concern that had been previously neglected. And what better group could there be to effect change?

The ANC had overthrown an entire nationalized dynastic policy; its populace was wildly delighted with the party’s overwhelming success and bubbled with approval. Who better to invoke new rules of law? During the initial post-1994 honeymoon period, all appeared quite quiet on the taxi front. Had the governing party moved quickly, they may have found transformation really easy. But they delayed.

I guess they just didn’t realize that their ‘freedom’ would be compromised by regulation. And once they realized, they didn’t particularly like it. (My personal theory is that our revolution is still alive and well: military rule so often crushes resistance; benevolence allows distension to carry on thriving.) Concerned citizens, although somewhat slow to digest the enormity of the possible consequences that the original taxi recap plan conveyed, now continually voice their objections, in a manner that gets results.

“It is important for the industry to appreciate that self-regulation breeds conflict and will never assist anyone to achieve the goals that we have set ourselves as a collective.”

Initial plans

While the initial taxi recap plan doubtless intended to improve travel for the average citizen, certain features of the plan were so astounding, it is amazing that it managed to find its way onto paper without serious, public contention and outcry. How any free-market country could seriously believe itself entitled to dictate which brand people are entitled to buy and which bank they are entitled to borrow from, is ludicrous, but that’s how it all began.

Many people still believe that proposed kickbacks were at the core of the initial thinking. The Sheik/Zuma arms-deal affair confirms these suspicions and many people still question other ‘deals’ made by Transport during that era.

“The main objective…is to assist taxi operators to replace their ageing fleet with new taxi vehicles that meet certain Safety Requirements, as published by the Government.”

DoT, having set specifications to improve safety conditions (overloaded, top-heavy taxis were inclined to roll easily and had no seat-belts, for instance) proposed putting the replacement vehicles out to a limited number of manufacturers for development, via a tender process. The war was on and at least one manufacturer went insolvent competing with the ‘big guys’ for the pleasure of government’s business.

“I am confident that working with the industry, the banks and manufacturers, we will be able to ensure that the new vehicles are affordable to the average operator.”

Thankfully, it was later decided to adapt and allow all interested manufacturers the opportunity to develop vehicles that met the specifications, and to allow taxi operators to decide for themselves which brand to buy and which bank package to contract to. Since manufacturers could no longer be sure of the numbers involved, prices, also always at the mercy of the economy, rose accordingly.

Specification changes occurred at intervals along the way: only diesel-powered vehicles are now acceptable, for instance, to help contain the high volume of crude-oil imports. The motor industry is committed to the success of the programme, but then, why wouldn’t they be? There are high profits to be made…

Originally excluded by virtue of specification drawbacks, Toyota again entered the field with a model by the name of ‘Quantum’. Since this will probably keep Toyota’s hi-jack figures sky high, the challenge to find a suitable nickname is on: ‘Quantum’ could refer to ‘How much?’ (free, if hijacked) or ‘How many? (can be squeezed inside).

“Government will endorse initiatives aimed at ensuring that the taxi industry develop business interests in sectors such as petroleum, financial sector, vehicle manufacturing, and wheel and tyre sectors and [others] where suppliers benefit from the taxi industry.”

The SA National Taxi Council (Santaco), doubtless ANC aficionados with struggle affiliations, put their money and faith into the Russian 16-seater GAZelles. These were initially sold for R179 900 VAT inclusive, but appear to have cost their 3 000 to 5 000 new owners dearly.

Labelled ‘death traps’, there are concerns as to how they passed SABS specification checks and are said to spend more time off the road than on. Who’s biting the bullet now, Santaco? Or must Gorky, GAZ SA and McCarthy face the firing squad on account of the vehicle’s fourth recall (deadlined for March 2007)?

Tata and Mahindra also joined the race and access to Indian spares will hopefully be better than to Russian ones. Whatever the make, model or specifications of new vehicles, if they are regularly overloaded, not suitably regulated/enforced, are not driven competently or maintained well, their ability to keep death off our roads will be nil and we can expect to experience déjà vu once their warranties expire.

Safety first

“Our interactions with commuter organizations indicate that commuters are as much concerned about their own safety and the unroadworthy nature of most of the taxi vehicles.”

When results of a survey into household transport usage were tabled in Parliament (September 2005) distressing levels of dissatisfaction with all three major public transport modes, were revealed, with the minibus taxi industry labelled the worst offender. Of the nearly 2.5-million people who regularly commute to work, by taxi, 30% appear to regard their personal safety (due to crime, bad driver behavior, or motor accidents) to be at serious risk.

“The most critical and immediate challenge facing the taxi industry is safety. Government has a major role to play in this regard.”

As a virtually immediate (for government) result, the taxi industry sped into 2005 at a reduced speed limit of 100km/h. This aimed to reduce the high percentage of people-carrying vehicles that are involved in fatal crashes. By August of the same year, the ‘big possibility’ of advanced driver training for taxi drivers was revealed by Santaco.

Of which, not one word more has appeared in the media, since! Also dropped from the wish list, was a national electronic management system: declared ‘too advanced’ for the still-developing world. This single omission appears incredibly relevant to the original objective of regulating the taxi industry.

Without efficient regulation, it has become notorious for anarchy, instability, corruption and mafia-type operations around lucrative routes. Curbing the free-for-all is essential. If the process compromises our national devotion to ‘African’ time, disregard for pre-arranged obligations, total onus for regulation and enforcement immediately reverts to the traffic officer on the ‘beat’.

“…it is the duty and responsibility of Government to ensure that all public transport operators, not only taxis, observe the rules of the road at all times and show respect to other road users.”

It is this lack of effective regulation that causes violence to punctuate the industry’s effectiveness. The job functions of traffic authorities make it impossible for them to curb taxi violence. Officers do not go out in large numbers, as a fighting force, with protective shields and in military formation. They are easier to pick off, one by one, than stray mosquitoes in the midday heat.

And they know it! It’s not what they signed up for. Expecting an isolated traffic officer to deal with organized crime is a bit like sending a girl guide into a war zone to effect peace. (Sorry, Guys; no offense meant). The military structure, through which they deliver, does not make them an effective hit squad!

The scrap metal deal

“I wish to also address concerns of many taxi operators that the R50 000 scrapping allowance will be inadequate for them to be able to purchase new vehicles.”

Transport has seen a turnover of three Ministers: Maharaj, with the vision, Omar, who appeared to delay and Radebe, who has determined to play out the scenario. Much of the delay was caused by the high budget needed to accomplish the deed and the ‘recap’ budget, together with additional resources of R885-million, to improve traffic law enforcement, was finally granted, in Parliament in February 2005.

Since the original figure of R100 000 per scrapped vehicle was touted, it has been halved. Either the taxi ‘park’ has grown (doubtless) or the number of taxis had been miscalculated. Ten years on, vehicle prices have risen more than most of us imagined. The delay in delivery has caused the media to wonder whether Transport had “bitten off more than it could chew” (when R7.7-billion was approved by cabinet in August 2005).

“…at the same time enabling other taxi operators whose vehicles could be impoundment due to unroadworthiness to remove their vehicles from our roads…”

A R250-million allocation was to be used to establish ‘scrapping’ systems in 2005, deputy director-general of public transport at National DoT confirmed in March of that year. He later (it was whispered) succumbed to death threats from within the taxi industry and moved on, but not before the minister and Santaco had confirmed their readiness to begin the process by April, after the tender had been allocated.

We were also assured that most of the aging taxi fleet would be “history” before the 2010 World Cup. One April, I am told, is very much like another, in the world of politics. It was November 2006 before the first token taxi was symbolically, and very publicly, crushed beyond repair (a very difficult thing to do to a taxi, notorious for remaining on the road minus several, generally considered essential, moving parts).

“These operators will be expected to register…their intention to exit and voluntarily surrender unroadworthy vehicles in exchange for the R50 000 scrapping allowance.”

The intention has always been to reduce the taxi fleet to less than 100 000, thus preventing ‘overtrading’ on lucrative routes. The scrapping allowance, although promoted as an incentive to drivers to renew their vehicles, was not necessarily intended to allow those with limited means to trade up.

There was also the possibility that large operators would consolidate their scrapping allowances and either invest the hard cash or use it to enter other industries. There has been continual unrest from drivers who believe their futures to be insecure and if and facts, figures or statistics have been presented to reassure them that they will still have jobs, after the fact, they have completely passed me by.

Everything You Ever Needed to Know About Payday Loans But Were Afraid to Ask

A payday loan is a small short term loan you can use to cover expenditure until your next payday. You can apply online and the decision to loan you the money is made almost straight away. In most cases the whole application can be completed online and the money loaned can be credited into your bank account on the same day as you make your application.

A payday loan is an unsecured loan, so it is not dependent on collateral, such as you owning a house or car etc.

Generally when you make your first application you can borrow any amount up to £300, depending on your take home pay. You are more likely to be approved the less you want to borrow, so it is advisable to borrow only what you need. Once you have successfully repaid loans with one particular company they may then offer to lend you anything up to about £750 in subsequent loans.

Payday loans can provide a useful solution for short term cash flow problems.

Who can apply for a Payday loan?

In order to be eligible for a payday loan you must be over 18 years old and in employment with a take home wage of at least £750 per month. You must also have a bank account with a valid debit card.

Even if you have bad credit history you should still be able to obtain a payday loan as long as you fulfill the above criteria.

How do you get a Payday loan?

The majority of payday loans are available online, so there is no delay with faxing or posting of documents. The application process is quick and easy to complete. You will be asked for your name, address, details about your monthly income and employment, when your next payday is, along with the amount you wish to borrow and your bank account details.

Once you have submitted your application you should hear back from the payday loan provider within minutes. They will email you with their decision to the email address you have registered with your application.

Payday loan providers partly make their decision as whether to lend you money dependent on the amount you want to borrow compared to the amount you earn. Only borrow what you need, the less you borrow the more likely that your application will be accepted and the smaller the amount of interest you will accrue.

If your application is successful you will be sent, by email, your loan agreement showing the amount that will be lent to you, the repayment date and the amount of interest you will pay on the repayment date. Along with the loan agreement you should also be sent loan conditions. These loan conditions should outline your rights under the Consumer Credit Act 1974 along with details about repaying the loan, cancelling the loan and the use the personal information you supply when applying for the payday loan.

If you are happy to proceed you sign online by providing details of your name and answering a security question such as your mothers’ maiden name. Then, email this back to the loan provider and the money will be deposited into the bank account you registered at the application process. The money can be deposited in your bank account on the same day you make the application, so this is a very fast and efficient way of borrowing money short term.

How do I repay the loan?

You will need to repay the loan amount and the interest accrued on the repayment date as specified in the loan agreement. The repayment date is usually your payday, hence the name payday loan.

The repayment will be collected by the loan provider by debiting the bank account you registered at the application process, which is the bank account into which you get your wages paid.

Repayment over a longer period

Payday loans may be extended if you find yourself in a position to be unable to satisfy all or part of the amount due on the repayment date. If this happens it is recommended that you contact your payday loan provider as soon as possible and explain your circumstances to them. They will then be able to explain your options and how to go about extending your loan.

Even if you are not able to fully settle the repayment amount, it is advisable to pay off as much as possible on the repayment date. This will help to keep the amount of interest you owe to a minimum. Some companies may charge you additional fees for extending your loan, you should check if this is the case before you sign your loan agreement.

Regulation of Payday Loan Companies

Properly regulated payday loan companies must adhere to strict laws governing the finance industry.

As with any financial product you apply for it is always advisable to check that the company offering the loan is properly regulated. The payday loan company you are applying to should show its Consumer Credit License number within its loan conditions and it should also be authorized by the Office of Fair Trading. If you are in any doubt as to whether the payday loan company you are considering applying to is fully regulated then you are within your rights to contact either of these bodies for further information.

As long as the payday loan company you are applying to is properly regulated, there will be a recognized body to make any complaints you may have to and you can be assured that you will not be subject to any unfair practices.

What are the benefits of a Payday loan?

Fast

One of the main benefits of a payday loan is the speed at which the cash can be credited to you. The money you need can be available to you in your bank account on the same day that you make the application. This can provide valuable assistance if you have a short term cash flow problem and need money in an emergency.

Simple

The application process is very simple, it takes just minutes to apply for a payday loan and you do not have waste time posting or faxing documents to the payday loan provider, as you would with other more traditional high street loans.

Poor Credit History

Payday loans are available to people with a poor credit history. This is because payday loan companies do not solely make their decision to lend based on a persons credit history. As long as you fulfill the application criteria you have a good chance of obtaining a payday loan. For many people a payday loan may be the only way they are able to obtain credit, especially in the current financial climate where the majority of lenders are unwilling to provide loans altogether, never mind to a person with a poor credit history.

Use of the Loan Money

You do not have to tell the payday loan provider what you need the payday loan for. You can use the money for whatever you want. You may need money in an emergency which can not wait until payday for instance; emergency medical or dental treatment, to settle a bill quickly, extra spending money on holiday or even for a romantic weekend away. The choice is yours as long as you make the repayment due on the repayment date.

No Upfront Costs

There are no upfront costs associated with a payday loan. You do not pay anything back until the repayment date you have agreed to in the loan agreement.

Why does the APR appear high on payday loans?

The APR applied to payday loans appears at first glance to be high. This is very misleading, but there is a simple reason why this figure looks so high. APR is an Annual Percentage Rate, and as such is calculated over a whole year (365 days). However, a payday loan is taken usually only over a number of days or weeks.

The APR calculation was not designed to apply to very short term loans such as payday loans. It was designed to apply to long term loans in existence for a year or more. It is really a theoretical figure than enables people to compare similar longer term loan products, like mortgages or ongoing credit balances.

Rather than relying on the APR rate it is more advisable to look directly at the loan agreement to see exactly how much interest you will be charged for the period of your payday loan. Some companies have a standard interest charge for the amount you wish to borrow regardless of the duration of the loan. It is then up to you to decide whether you will be able to repay both the cash advance you receive initially and the interest amount on the repayment date.

To Conclude

Many people do not have savings or access to credit cards or more traditional loans and so the convenience of a regulated payday loan provides piece of mind should the occasion arise that they need some money quickly.

If you need money in a hurry, can not wait until payday and are confident that you can make the necessary repayments on the repayment date, this could be the ideal solution for you.

Overall, payday loans are convenient, easy to access and offer a viable option for people who require money quickly for whatever reason.

Family Home Furniture

Furniture for the large family

You can deal with the space requirements of your home through the planned purchase of the practical triple bunk beds that are especially made for large families or schools. These are the ultimate space saving items that you have in your grasp and you should not lose focus on the important things. It is not easy working your way through the different elements that make the family home work. But the purchase of these items can be a good thing. You expect practicability when you go for the buying and selling of furniture for the home as well as other institutions with large numbers of occupants. It does not have to be an establishment when you buy these items.

Even the domestic settings could do with the trading of space saving furniture that is meant to ensure the efficient use of available living spaces in the home. You are effectively looking for something that works instead of concentrating on the stereotypes about this type of furniture. It is not important who you are but how you are going to use the furniture that is available to you. The advice that many people need is to go for the right choices and not the popular choices. That way you can concentrate on the acquisition of good quality furniture with the added advantage of being able to save on space. If you are easily swayed by trends then the results will not be particularly nice for you in the long run.

The there are great benefits to be had from the deals in furniture items with the good looks and the ability to use space effectively within a given context. These are items that are relatively inexpensive yet they bring an unprecedented utility to the way that you do things. They might even transform your home in ways that are beneficial. For example you might now be in a position to receive visitors and this will make your social life richer. It is very hard to think of the exchange of various products with the sole aim of maximizing the potential within residential units in a completely neutral. They are items that are not iconic but they enable home owners to make the most of their properties.

You might be worried that your home may end up looking like a school dormitory. This is a valid concern but it is somehow mitigated by the way that you can save on space. The use of the searching of different retail outlets with the possibility of getting furniture items that improve the space coverage of the different home furnishing items can be very useful to your family. In effect you are sacrificing the stylistic concerns for the true benefits of the item. That is all about being practical in the way that you use the items that are available to you. That is the reason why many families are carrying out the process of purchasing high quality items for the home environment with different income groups or their needs.

How to Understand, Start and Run a Successful Home Based Travel Business

Why this is such an excellent choice for a home based business, and How To Get Started

Are you seeking information on a Home Business, or possibly you’ve read a whole lot and now you are trying to sort out what might be the BEST home based business? This is a long article, but stick with it all the way and we’re very confident you’ll have your answer(s).
Are you looking for the Best Home Based Business ? Recent polls show that over 70% of people who search the Internet are looking for such an opportunity. But does something like this really exist?

Here’s the problem: if you asked ten different people what the “best” home business was, you would probably get ten different answers. The truth of the matter is it really comes down to finding the best one for YOU.

We are all coming from a unique background. Each of us first has different wants and needs, and a want or need will determine what is best. Then we all have different abilities, and yes.. your abilities DO match up to what might be the best for YOU. What’s best for a friend or neighbor and might work for them might be a total mismatch for you. This article will give you a good instigate and provide a direction on what is one of the most universally agreed upon as a “Best” business.

We all have different interests and personalities, interests , abilities, and personalities. We have different strengths and weaknesses. We also come from all sorts of different circumstances. So it makes sense that not all of us are going to be interested in the same home based business model.

If there was truly ONE business that was for everyone, can you imagine how competitive that field would be? It would be VERY difficult for anyone to make any money!

You have probably seen advertisements all over the internet about THE #1 income making opportunity. Don’t get fooled by all the hype and so-called ways to make easy money. There is no such thing.

That’s where this article comes in. This article is NOT a comprehensive list of reviews of the thousands of home based business ideas out there. It’s an article that tells you some parameters of a good home based business, then discusses the travel industry. We give you the pros and cons both of a job and being in business; we tell you the history of our industry, and then why it’s so good and the place to be right now as it rides two major trends: Travel and the Internet.

I have researched and tried (sometimes failing miserably) many home based businesses, both online and in the real world, BUT, I have found and chosen something that is a legitimate way to make a great income from home. That’s what this is about. It’s a great fit for me, but because you are NOT me and probably have a different personality (thank heaven!), it may not be for you.. and that’s ok. But if you see things as I do, and as is presented here…

The best home based business for ME is a HOME BASED TRAVEL BUSINESS. I know it will also be for many of you.

But other than the fact that I’m just a normal, ordinary guy with no special talents.. and in fact, I’m probably older than most readers at 69 and I started this just last year, this article is not about me. It only points out that about anyone can easily get involved in the home based travel business. This is about YOU and what YOU want from life and your “working hours”, whether you are a stay-at-home-mom, a retiree, or any other category.

So the question becomes, out of all the various choices: Why start a online travel business?

We are going to discuss first the “Why”, then a little about the various types, and then the “how”. This will take some time, so grab a beverage of your choice and read on. In fact, I suggest you print this out while the coffee is brewing so you can really digest it. Mark it up. Pencil in questions.. and let’s get going!

First and foremost, when choosing a home based business, it’s really important to ask yourself “Why” are you doing this, and are you prepared to take it seriously and treat it like a business? That means regular hours of commitment of time and a commitment of money as any and all businesses you own are going to require some degree of investment.

This is probably as good of a time as any to differentiate between a JOB and a Business. ..

A job, including a home based “job” is one where you are going to essentially be trading time for money, and the assumption is that you have an employer of some sort who is going to pay you either on a dollar value per hour spent, or some dollar value for certain production. That production could be sales production as it often is; it could be manufacturing production, or it could be service production.. so many envelopes stuffed; so many calls made, so many of about anything done. That person is going to pay you for that, but you know that person or company is only doing this because they are going to make a certain amount of money on you. You are essentially paid what the job is worth; what the employer could get a replacement for you for. Regardless of your skills, you are not being paid what YOU are worth, but what the job is worth. For accepting this, you get some degree of security knowing that if you do “the assignment” or “the job” you are going to receive a certain, predictable amount of money. You may even receive some benefits. But the “security” is a joke because everyone knows that there is very little security. First the employer must remain in business. He must have a market for whatever it is you are doing, and markets change.

Next, your value is relative! Maybe that employer has a cousin who would like to do your job, or maybe someone comes along willing to do your job for less money. How secure are you? People tell me every day, “I don’t want the risks of a business.” Guess again everyone! You certainly have RISK as an employee as well!. And as to investment… well, many businesses have employee borne expenses, and even the IRS recognizes this. It’s just that there are SOME “out there” that don’t require any CASH investment, but don’t kid yourself.. you ARE making an investment, only it’s hidden in the fact you’re paying it in work and in the sense that you’re not being paid as much as you might if you absorbed certain expenses yourself.

In contrast, a BUSINESS, including a home based business, is one where you choose and control what ever it is your business makes or does. It could be virtually anything, and probably the best business is one where you control the product or service. Here on the internet, Information products are tops; these are followed by service products. Then comes those things you manufacture or make, and finally, there’s the category of items someone else controls but makes available to you for resale. Affiliate programs fall into this category. But you really need to be aware that if you are going to have a BUSINESS you are going to have business expenses, even a home-based business. These are the expenses of the office first, and then you may need to have some product or have been a user of some of the service so you truly KNOW what you have and can do business from a credible point. The product or service should be one of value that if you were the buyer, you’d consume it yourself at retail. Watch the line though… you don’t want to is get into a business where you are required to purchase X dollars amount of product every month, whether you can use this or not. That’s not a legitimate business.

Depending on your philosophy, you’ll probably agree that it is very important to choose a business that interests you. Pick one that you will enjoy doing, ideally something you are passionate about. Think about it, if you are going to start a business from home, it makes sense to choose something that you will enjoy. And if you enjoy it, then you’ll probably learn more quickly and have your heart more into it when the going is tough.

But we’d put just a couple things ahead of this and put “enjoyment” as a luxury. Those things are market size and market growth. Where is your business product or service in terms of life cycle? Is your market expanding and you can ride a wave, or is it declining. And what is the market size and potential. Will there be a business available for you in 5 years? Ten?

Then lastly, we’d probably mention that the business should be ethical and compatible with what you believe. Many people who research businesses, particularly Internet businesses, know that the porn and gambling industry meets the criteria of growth and market size. You may be tempted to look in those areas, and if you are, kindly close this report or article and tear up you paper copy. This is not a part of the business world we want anything to do with. Money and income is just not that important to us.

After evaluating many, many, many businesses and participating in several since 1969, including an early successful involvement with Amway, then Free Life, and a couple others, including a few that just didn’t “go” for us, we became aware of the opportunities in the online travel business. This is a business model that has just evolved over the past few years, and is now in full momentum.

It is also important to be a part of trends. Fortunes are made by riding trends. Currently, travel is a trend to the tune of 6 trillion dollars a year! By 2010, that number is estimated to be 14 trillion dollars!

Think of all the baby boomers that will be retiring in the coming years. And what do people like to
do when they retire? What would you like to do when you retire? If you’re like me, travel is probably very near the top of that list.

That is why the travel industry provides the perfect business for opportunity seekers. It is simply taking advantage of a trend that is just starting to gain momentum. When looked at as a home based business, it rides the second trend: the growth of the Internet as a business medium.

Let’s look at how and why this has evolved into a viable Internet Based Travel Business.

People “booking travel” for others has evolved possibly in three stages. We also should consider the two major market segments: Business travel and personal or leisure travel, and in the later category, we’d include as a very close association, travel and leisure and recreational activities and lodging. We are going to focus on personal leisure travel and recreational travel market.

STAGE 1: Probably dates back about 75-80 years when the primary mode was train and ocean liner. There were no condos, few motels, and little air travel. But there were many lodges and luxury hotels. We’ve all heard of the Baltimore and others. And there was some degree of business travel, but not to the extent we had a few years ago before travel (particularly sales meetings) became so expensive. Other than those vacations to places like Atlantic City, travel was really more in the hands of the more wealthy part of the population, and most of THOSE people just did not want to be bothered making their own arrangements, or even checking places out. A small cadre of “travel agents” was born, although they probably had many more duties along the line of concierge, personal assistant, etc. In large companies, specialists were brought on board to do those arrangements… and seek out bargains and discounts for their companies.

STAGE 2: Now we have more cars, the DC-3 and early airlines are starting to emerge. We have reliable telephones; we have some early forms of fax but the telegram was the primary means of communication on short notice as mail took longer, and people are becoming aware that they can earn money booking travel for others. Providing essentially two services: Knowledge of destinations and Administrative tasks such as actually buying the travel arrangements on behalf of a third party. That third party could be a business or an individual.

Natural business evolution follows and at first small partnerships were formed because now two people might have the knowledge and experience of two different travel destinations, but as a single entity (the travel agency) be able to offer clients more options. Then this single agency could bring more volume to a travel provider such as an airline, hotel, etc than a single person, and hence negotiate better discounts, or as more often was the case, better commissions as not all discounts got passed on. Everyone benefited.

Airline traffic was particularly challenging to book, and in the late parts of Stage 2, computers began to come more and more into play, although they were both expensive and highly specialized. The affordable home computer had not yet really evolved and there were limited travel networks. Travel agencies could afford these computer systems and gain access to the various vendors, which at that time were mainly airlines, and book travel conveniently and easily. This was about to change!

STAGE 3: Change took place almost over night. The airlines deregulated as one part, and competition evolved to a point where commissions were almost non existent to the agencies. The Internet and access to travel databases within the airlines and hospitality industry literally exploded into being, and now EVERYONE had at least almost nearly equal administrative access to the services and could bypass the agencies which started going out of business at an alarming rate. The one thing certain agencies DID retain was a cadre of people who HAD traveled and did have personal experience with various providers… resorts, cruise lines, etc. But as profits to the providers themselves started to decline, so did the availability of FAM trips, and there were fewer agencies.

But along with this evolved another trend! The population is growing and there’s more travelers available, particularly in the leisure market than ever. And many of these travelers just don’t have the time to really do the research, or even to truly shop for the best and lowest costs.

But individuals devoted to and loving to travel such as stay at home moms in travel find that they can provide the same services that the old large agencies did!

All they needed was a vendor willing to work with them, and at this time, new vendors started to emerge.

The emergence is primarily in the area of recreation and resorts as unlike the airlines which have cut back and in many cases have a SHORTAGE of seats and product, resorts (and cruise lines) have continued to build and expand where today, they have an excess or surplus of inventory except for very limited times of the year.

The question becomes: How do we fill these empty rooms? These empty staterooms? These empty golf courses? These unused campsites?

The answer is: Through You!

But you don’t know where they are, or how to negotiate the pricing.. but a newly evolved list of consolidators do! Currently there are three major consolidator groups doing business in the USA, and one stands out above the other two as it has more contacts, more experience, more inventory, and essentially a better pay plan offering the customer more options. What YOU have is a list of contacts or the knowledge and time to introduce the traveling public to these options. Because you are working with the suppliers of SURPLUS inventory who is willing to fill these vacancies at deeply discounted rates, you can pass these rates on, if only you knew how to get your hands on them.

Actually, about anyone can get their hands on any one location at any time at a discount, and many people have been doing that using services such as Orbitz, Travelocity, and others But these are very sharply targeted and focused, and deal much more with just hotels, car rentals, and to some extent, airline travel. One can pick up a major magazine or metro newspaper and find condos for rent from owners, at discounts. But again, this is very limited.

How Do You Get Started?

First, you learn about the 3 major consolidator firms offering travel, and if you just let the word out that you are looking for a homebasd travel agency or company, you’ll find that these people find you very quickly. Or you can do an Internet search using terms like that and find them. Most of the firms have a fairly similar makeup in that they are offering an entire travel package or membership for a fee. This entitles the purchaser to the inside track on deeply discounted travel services.

If they are essentially all the same, what do you look for? We focus in a legitimate business first on product, so we look for product value. We look for a company with flexibility and a product mix. Not all people want to travel internationally, so is there just a domestic package? What is offered that you or your customer can do when they get to a destination? Are there name resort and theme parks? Golfing? How about great meal discounts, as we all “eat out” when we travel? We know cruising is “big” but we know the cruise lines vary from very family oriented to “swinging singles”. Is there a good mix? How about time limitations on the travel package?

As a business, what kind of support tools are available? Training is a must, and is it real, and in real time, with real live people you can talk to and ask questions of? A solid, reliable web site is a must. Does the firm you are looking to join provide one? None will do a good site free, but is this a fair and reasonable cost?

Will you have access to a personal mentor? Can you become a certified, card carrying travel agent as well if you want?

These are but a few of the questions.

The “How Do You Get Started” in the home based travel industry is best summarized by 3 words: “Do Your Homework”

Well, now that you know some of the history, let’s look at a couple more things, starting with some of the advantages of this, particularly in comparison to other options you may have selling nutritional products, informational products, skin care, diet products, or many others.

Aside from the money making potential in our industry, there are many other advantages.

It is easy to start. This facet never ceases to blow me away With the invention of the internet, businesses that have traditionally always been brick and mortar establishments are now available to all of us. The internet makes it easy for everyday people like you and me to start a small business online. We can reach people all over the world, 24 hours a day, 7 days a week from the comfort of our own home. People can be checking out your business while you are sleeping, on vacation, or whatever. Phone services like Skype let us actually talk to people all over the world (one of us might be sacrificing some sleep due to time zone differences, but technically, it’s possible!)

Your business is relatively inexpensive to start, particularly compare to a more standard travel agency business. Because you no longer need a regular office, insurance, and employees, businesses. In fact, if you set up a legitimate IRS qualifying home office, many of the costs you have at your current home now become tax deductible (see your accountant, and if you don’t have one.. get one. Maybe you can even barter some travel services for HIS services).

Your potential clients include almost everyone. Who doesn’t like to travel or need a vacation? And if the economy slows, your business grows! Previous travelers who thought nothing of paying full price now start to look for discounts.

You can save a lot of money on your own travel.

What’s the point of owning a business if you don’t get some fringe benefits? With a home based travel business, you become eligible for some incredible discounts. And because you are your own boss, you will have more free time to go on vacation and take advantage of these discounts.

Is there a downside to a home based travel business? Sure, there is in any business.

Travel is a very competitive industry.
In order to have an edge, you have to differentiate yourself from the rest by branding yourself with a superior product. Those who read this article and find a specific interest and contact us as the author will be given some very specific knowledge on how to do this and succeed.

Other than that, I have not come across any other disadvantages to a home based travel business.

We hope you have found this article to be greatly helpful and look forward to seeing a few of you join us in this exciting industry soon.

Fast Money Recap – The Basics

Many people nowadays want to earn fast money. One of the ways to accomplish that is by learning the trend in the stock market. One of the most watched business programs in the United States is the Fast Money program by CNBC. Did you miss an episode? Do not worry; you can always watch it through Fast Money Recap.

If you want to stay updated on the stock trading trends, then the program to watch is Fast Money Recap. The show airs for about 60 minutes and is shot on location at NASDAQ Market Site, New York City. It is produced by CNBC and serves as a ticker that shows index symbols and security similar to an old telegraph messaging set-up. Tickers flashed on the program uses information from various third-party companies like the American Stock Exchange (AMEX), the NASDAQ, the New York Stock Exchange and Reuters. In other words it serves as a business news band around the globe. The said ticker is now shown in between commercial breaks.

They even have blogs to keep its viewers updated with how the money moves in the stock market. This American stock trading show has been in live telecast for almost six years or from 2006. Getting a large following the program has undergone re-formats to suit trader’s choices. The program also talks about exchange-traded funds, commodities and options trading as well. There are usually Wall Street trading experts that will discuss about how-to invest well, technical analysis on the economy and merits of the debate regarding a certain sector or stock.

Why watch Fast Money Recap? This has everything a serious trader needs: the views of each stock owner on their stocks, stock predictions and disclosures by the traders. Most traders would watch this an hour the trading closes to know how the stock market did for that day. This will give you an in-depth knowledge on how to earn money fast in the stock market, which trends to follow and what other investment schemes are effective for you.

You can get updates of Fast Money Recap through their blogs, or it can be sent straight on your mobile phone. Get the leverage in getting informed regarding business and stock trading news. Knowing how to invest, when to place your hard-earned money online and in the stock market will spell the difference between wealth and bankruptcy so make sure that you are armed with knowledge before investing.

Being a Professional Fashion Stylist Is an Excellent Career Choice

Are you looking for a new career or considering a change of direction? One career you could consider is as a personal stylist. By joining a professional stylist course & degree in fashion styling you can learn all the skills and techniques you will need to provide a professional service for your customers when you start trading as a professional stylist.

Increasing numbers of people are looking for professionals to help them restyle their wardrobes and restyle their outfits. It is easy to get into a rut with fashions and one way to resolve this is by consulting an expert who will help with advice and guidance on the best fashion choices.

And personal style is more important today than it has ever been. Not so long ago, the job of a stylist was one reserved only for those from the fashion industry who were advising the rich and famous. That is not the case any more. People of all ages and from all walks of life are looking for help to improve how they look.

Many men and women seek the help of a professional stylist for business reasons. Success in the business world is important and many people want to make sure their style represents who they are as professionals too. Many people seek the help of a stylist after a major life change like a divorce or weight loss. There are many reasons why someone might want to work with a professional to help them redevelop their style and wardrobe. There is no doubt that there is a huge and growing market for this career and that those who stake the step now to train and gain their qualifications will be ahead of the competition and in a position to enjoy a successful career.

On a stylist course, you will learn about engaging with clients, and talking them to establish their needs and fashion aspirations. You will learn all about color analysis and how choice of colors is as important as the style of clothing chosen. You will also develop an in-depth knowledge of all fashion styles, designs and trends. Being a good fashion stylist is not about knowing what is trendy, it is about understanding fashion, color and personal style to help each client develop their own unique style which suits their budget and their lifestyle.

Go online and find an excellent fashion stylist course that will help you learn the skills you need. With the right qualification you will be able to enjoy a varied and successful career, helping many different people to make the very best of their own style.

What better way to create a health business, and do something you love? The courses will help you add to your own fashion knowledge and sense of style. Wouldn’t you like to enjoy a successful career, rather than just have a job? Being a fashion stylist could help you to have a career more exciting, successful and amazing than you ever imagined. If you have been dreaming of a new career, consider being a fashion stylist.

When an Offshore Bank Fails

Introduction – What we are going to do is describe the legal and mechanical process relating to offshore bank failures. We will discuss what leads up to them, what happens if they fail, and how do the depositors get their money back. The terms and scenarios we depict are generally what happens in the world of offshore banking. In some jurisdictions the terminology and procedures may be slightly different but the general way things proceed will be in line with the scenarios depicted in this article.

Offshore Banks – A brief definition of this term is in order. These are banks that are located in various countries around the world many being in Caribbean Island Nations. These banks have a license that enables them to only do business with people and entities (trusts and corporations) that are not from that country. The offshore jurisdiction does not trust the offshore bank to accept deposits from its citizens or corporation filed in that country. This right away should tell a moderately astute investor that he or she is perhaps not exercising the correct amount of caution when it comes to selecting a bank and an offshore jurisdiction. So the first warning sign is be careful of offshore banking licenses. A bank can be in an offshore jurisdiction and not have an offshore banking license, instead be a regularly licensed bank. Offshore bank licenses can be had in some jurisdictions with as little as a $50,000 deposit with the country issuing the license. Usually this amount is never more than $500,000 and many countries require less. As a point of comparison a regular bank operating in Panama is required to post $10,000,000 cash deposit and the owners go through a rigorous background investigation.

Bank Failure – This is a term relating to the offshore bank being unable to fulfill the demand for funds from their depositors. This can occur for a number of reasons, some bad and some not so bad. The offshore bank may have been found to be below its protective ratios and the government bank auditors or financial ministry may decide to shut the bank down in terms of money going out for a limited period of time to see if the bank can return their ratios quickly to an acceptable level. In the event the ratios return to an acceptable level the bank operation resumes normally and the depositors may not even know anything occurred.

Complaints – The way offshore bank failures generally start is with complaints to the licensing authority of the country where the bank is located stating that requests to withdraw funds are not being met by the bank. To document this the account holder generally retains legal counsel in the country where the offshore bank is located and files a formal demand for the funds to bank with a very short deadline. When this demand is not met the law firm will file a formal complaint to the offshore bank licensing authority who will generally conduct an investigation. They may have their own auditors or hire an independent team of auditors to go through the offshore bank records. They will look to see if there are any loans on the books that do not meet the guidelines for lending such as writing not collateralized loans is usually considered an offense. Loans to the principals of the bank are another red flag. Real estate acquisitions like mansions on the island where the offshore bank is located for the bank executives to live in is another red flag as well. Usually without loans the bank would not fail to meet its ratios. When these loans go bad and there is no collateral to go after then the banks get into trouble. The complaint process is possibly the only way the government is going to know their offshore bank is in trouble and by then it may be too late, but it may not be too late. Remember we are talking about offshore banks here, not regularly licensed regular banks which are audited and watched way more closely by the government and usually by a different government agency than the agency supervising offshore banks. We as a Panama Law firm do not introduce clients to offshore banks which should tell you something.

Loss of Correspondent Bank – Sometimes the offshore bank has just lost one or more of its correspondent banks and can not execute wire transfers until it replaces the correspondent with another correspondent bank which may take several weeks. When the complaints hit the government they will investigate, see that the funds are in place and allow the offshore bank a reasonable period of time to secure another correspondent bank, checking with them for progress reports. This is a not so bad problem that will only serve to scare and inconvenience the depositors.

Offshore Bank Receivership – This is a process whereby the government agency that licenses the offshore bank takes over the offshore bank to control its operation with an eye towards saving the bank. Sometimes they are successful and well sometimes not. Often a team of professionals from a large auditing or accounting firm are brought in. Receivership practices can frequently mean that a percentage of your funds will be unavailable for withdrawal for sometime. This is to prevent a run on the offshore bank which would for sure topple it and thus cost the depositors substantial losses. You may be only able to take out say 25% of your funds. What can often happen is the depositors lose faith and take as much money out as they can and avoid putting in any more money. This usually results in the offshore bank failing totally and being shut down.

Suing the Offshore Bank – What often happens in these offshore bank receivership scenarios is some depositors get scared and act jumpy and sue the bank. The lawsuits generally involve having the court encumber or tie up an amount equal to their deposit. To accomplish this the depositors generally have to resort to deceit or twisting the truth minimally, to make the court think they were not ordinary depositors or the amount in question consisted of funds to be handled in a special exceptional manner. The way the depositors are playing their hand is get the court to hold my money before the bank goes down completely and then my funds get mixed in with all the depositors in the fracas. If one files such a lawsuit they are generally excluded from filing claims as regular creditors (depositors) of the bank in the event of a liquidation and if they lose their lawsuit (an expected occurrence if based on fraud or deceit) they can lose all. Usually several depositors will file such lawsuits if there is any official action taken against the offshore bank and this could push the offshore bank into greater difficulty and if there is a bank liquidation it will be a most complex one with a lot of depositors funds eaten up in legal fees.

Offshore Bank Liquidation – This is of course the sword of gloom in the world of offshore banking. For things to reach this level the government had to have felt that the offshore bank is not salvageable. Generally a bunch of depositors filing lawsuits and jamming up the court system of some island jurisdiction is going to encourage the government there to liquidate the offshore bank in hopes of freeing up their courts. Imagine an offshore tax haven island court system. A small building with one to three courtrooms and maybe three or four judges. These courts hear divorce, child custody, personal injury as in auto accidents, bankruptcy, collection cases, resident disputes with building contractors, traffic court cases, and criminal cases. The court is there to enable the island jurisdiction to function as an independent governing state. It is not going to jam up its courts increasing the wait times for its citizens that are trying to deal with vital matters like child custody where one of the parents is an abusive drunk hurting the children. When the offshore bank gets put into liquidation generally the court cases can be disposed of quickly or even by summary dismissal. The government knows that the people behind these lawsuits are trying to get more money than they would if they just waited for the liquidation to proceed and are not amused by their litigious behavior.

The Offshore Bank Liquidation Process – So now the bank is in liquidation. What does this mean? Basically a liquidator will be appointed to determine what assets the bank has, liquidate what can be profitably liquidated and then see how much money is left. The remaining money will be divided up among the depositors fairly depending on how much they had on deposit in the offshore bank. They will get a percentage of their deposit back. What would be a good return in a liquidation, 75%. What would be a bad return well there was a liquidation in Latvia a few years ago where the depositors got 2%. What is a typical return? There is no number but it should be 33% to 60% unless the bank has been really mismanaged.

The Offshore Bank Liquidator – This is generally a person with an accounting, legal or banking background. They can understand the books of the offshore bank and the laws pertaining to the offshore bank and the liquidation. If the offshore bank had secured loans that went bad (payments not be made according to written loan documents) they will analyze the worth of going after the collateral. If there was a farm in Argentina posted as collateral for a three million dollar loan he may order an appraisal of the farm to see if it really worth that much. If the value of the farm is more than the legal expense of securing and liquidating the asset the liquidator should go ahead and liquidate it. This process may take a year or longer. If a loan was made to a trucking company in Belgium for a fleet of trucks the same liquidation process may occur. This sort of liquidation may take even two or three years depending on what type of liquidation processes may need to be followed. The borrower may file bankruptcy making the liquidation of the secured assets difficult and time consuming in some countries. The bankruptcy court might let the borrower continue making payments and keep the asset which can make for a rather problematic liquidation because now the loan must be sold to reduce it to a net value. Generally such a loan is going to go for a deep discount at best. The liquidator may have to sell the banks real estate, computers, office equipment and furniture, cars, boats, planes etc. All this is time consuming and the assets should be sold at an auction to keep things fair avoiding accusations of selling under the market for kickbacks. There is an inherent conflict of interest in the liquidation process. The bank liquidator generally gets paid handsomely. Think perhaps $150 to $300 an hour or maybe $10,000 to $30,000 per month. It is in his best interest to keep things going for as long as possible. The lawyers the bank liquidator uses are also under this same conflict of interest. How honest and upright these people are going to be is something for which there is no rule but there is generally a control element in the form of a creditors committee. In an honest liquidation the liquidator may elect to distribute the readily available assets the offshore bank has right away. These assets would be the actual cash deposits. This is an encouraging sign to the creditors. Money would usually be held back to allow the liquidation to proceed further allowing for legal expenses etc. Then as real estate and other assets are sold further distributions would be made. Not all liquidations are done so directly.

The Ugly Side of Offshore Bank Liquidations – Sometimes the offshore bank assets are deposited by the liquidator in another bank. Whether or not this is in an interest bearing account is always a good question. If there is $12,000,000 in cash in a bank the interest at 4% a year is a serious amount of money that will tempt people. Legal fees can be padded and kickbacks made to the liquidator from the law firm located on the island jurisdiction the offshore bank is in. Some of these islands where these offshore banks are have less than 100,000 people living in the country. You are foreigners and don’t expect such honest treatment in these tourist island jurisdictions. They may view these offshore bank liquidations as a feast for the locals courtesy of all the rich foreigners. Excessive travel can be run up by the liquidator. He can travel abroad going first class all the way even bringing the lawyers along, all on the clock. The liquidator can reach crooked settlements with people who posted collateral for loans with the offshore bank. Depositors of the offshore bank can file lawsuits for special treatment and the liquidator can settle with them in a crooked manner for an illegal kickback and then they get all their back while you only get a fraction back. Real estate owned by the offshore bank can be sold under market value for a kickback to a friend or relative of the liquidator. Same can be done with cars, computers etc. The liquidator can elect to chase assets not worth chasing to continue his high paying job some years longer than it should require. Remember offshore bank liquidations do not come along every day and the liquidator has no idea where his next job is going to come from. There is a check and balance usually in the bank liquidation process which is described below.

Offshore Bank Liquidation Creditors Committee – A creditor of the offshore bank is generally a depositor but it could be the electric company or the phone company. Generally, the employees are considered priority creditors when it comes to their wages and they get paid off first and fast. The depositor is owed money by the offshore bank based on their deposits, thus he or she is a creditor as far as the offshore bank liquidation is concerned. An offshore bank liquidation is sort of like a bankruptcy proceeding. In an offshore bank liquidation a creditors committee is formed which is something done in many bankruptcy proceedings. The creditors committee could possibly have been formed before the liquidator came into office and they appoint the liquidator with or without the approval of the court, rules vary some depending on the offshore jurisdiction involved. The creditors committee generally is voted into existence by the creditors, the creditors with the most dollars on deposit having the most votes is one way to look at it. All creditors are generally not treated equal. The creditors committee members are all on the same side and that side is interested in getting as much money back as they can. Decisions as to how to spend money chasing assets or potential assets are usually made by the liquidator but the creditors committee can exert control over the liquidator even replacing the liquidator in extreme circumstances. Some bank liquidations have taken place without creditor committees in place. These are generally less than above board liquidations.

Creditor Claims in Offshore Bank Liquidations – When the liquidator is in office the depositors are generally required to file claims. The claims process involves filing identity documents with the liquidator and identifying your account and how much money was in it. Offshore bank liquidations are conducted in open court and these claims wind up as exhibits in the public domain. What I am saying is bank secrecy is not in place once the bank is in liquidation. What one can expect to see is a fair number of depositors failing to file claims because of various reasons often relating to bank secrecy. Of course this means a greater recovery for those who do file the claims while the other folks walk away with a total loss of their funds by choice.

What to do if you are in an Offshore Bank Liquidation – If you are already involved in a bank liquidation you made a mistake and you are going to get hurt. How badly hurt is the question so you should be trying to mitigate your damages. If a creditors committee is forming try to get involved actively, even try to sit on the committee. If the liquidator has not yet been appointed do get involved in that process. Try to find ways to meet other depositors. Call lawyers on the island and ask them to represent a group of creditors collectively. Rest assured other depositors will be calling lawyers on the island and the lawyer can be a contact point to form a creditors committee. The idea may not occur to a lot of these lawyers so help them out a bit. If you can get a creditors committee in place and have it appoint a liquidator you will probably have a honest liquidation, probably. That having been said one must still leave room for the offshore bank itself having been intrinsically dishonest and the bank owners have since ran away with the funds. When you read the offshore bank liquidation horror stories you see that the money trail goes from country to country, bank to bank and then it ends up with a large cash withdrawal which is usually the end of the trail. The offshore jurisdiction may fail to ever prosecute them or file charges which of course make one wonder what was going on. So the key here is to get involved actively. It is real important to open communications with other creditors and get organized.

How to Avoid Being in Offshore Bank Liquidations – The answer is of course simple, avoid offshore banks. Stick to banks with full banking licenses that can conduct banking business with the residents of the country as well as with entities not located in the country.

Offshore Bank Alternatives – The best alternative to these tax haven island offshore jurisdictions is Panama. Panama is a solid offshore tax haven jurisdiction that does not tax offshore derived income and has no capital gains tax or tax on stock market gains. Panama has fully anonymous bearer share corporations where the owners are not recorded in any registry or database. Panama has anonymous foundations which are able to have generally non-freezable bank accounts. Panama has no tax treaties with any country so fishing expeditions are not going to happen. Panama has the tightest bank secrecy laws in the world and when coupled with an anonymous bearer share corporation it becomes the most secure and private structure one could have in the world today. Panama has 400,000 corporations registered there as well as many of the merchant marine vessels and cruise ships in the world. Panama has about 150 banks many of which are large multi-billion dollar international conglomerates, yet the banking operation in Panama is a separate bank corporation operating under Panama bank secrecy laws. Panama has not had a bank failure in over five years. Panama has had only a few bank failures in its history whereas Switzerland had over 15 bank failures during the years 1999 to 2000. Panama tightly regulates its banks. Every Panama Bank must submit monthly auditing reports to Panama’s Banking Superintendent, which is under direct supervision by the Banco Nacional de Panama (BNP), the National Bank of Panama. A list of prominent international banks in Panama includes: Citibank, HSBC, Dresdner Bank, Bank of Tokyo, Bank of Boston, Banco Nacional de Paris, International Commercial Bank of China, Societe Generale, Banque Sudameris, BBVA, Banco Uno, Banco General, PriBanco, Banco del Istmo, Global Bank, MultiCredit Bank, PanaBank, ABN Amro, Banco Aliado, Banco Continental, BancoLat, BIPAN, Lloyds TLB Bank, and the Bank of Nova Scotia. Many of the Panama banks own office building skyscrapers 40+ stories tall with their name on the building. These are not grocery store sized banks found in the island jurisdictions. The Panama Stock Exchange has an average trading volume of $900,000,000.

Panama is free of hurricanes, volcanoes, tornadoes, and earthquakes which is why the Panama Canal was built there. Panama uses the US dollar as their national currency. Panama has modern telephones, cell phones and internet being a country having been built by the Americans which left Panama in 2000. Panama has a treaty with the USA calling for the USA to protect the Panama Canal if it was threatened. This means the peace and security of the Republic of Panama is protected by the USA which could have jet fighters there in minutes. Panama is the new Switzerland of the world.

Fast Money Recap – The 411

Let’s face it; everybody is looking for a way to be financially stable. This is a fact and also the reason why lot of us look for ways to make money fast. One of the tools that one can take advantage of is knowledge of the ins and outs of the stock market. If you wish to learn the ropes, then one of the programs that you can watch is Fast Money Recap.

This show, which has been on air for six years, has been educating its viewers on how to invest their money well. With a big viewership, Fast Money Recap is indeed one of the most well known stock trading shows in the world. Getting first-hand information from the American Stock Exchange (AMEX), Reuters, the NASDAQ, and the New York Stock Exchange, this financial investing TV program is a credible source of information when it comes to investing, stock predictions, stock option trading, exchange funds and other topics related to trading.

If you are interested to make loads of cash then Fast Money Recap can give you an idea on how to do this. It is rich with information that can help you make money straight from the stock market. Getting the right information is very much vital and important to gaining leverage in the world of stock trading. You can get the latest stuff via your phone, or through their blogs posted by affiliate sites.

Get only the best advice from the experts. They can give you great insight in relation to the stock market. This TV program features some of the country’s stock market experts and those who are known in the field in giving sound advice when it comes to investment. They can also provide other financial concepts that are proven effective as well. These are professionals that often talk on quick money and write entries on the show’s blog.

Knowing the rules and how to effectively invest in the stock market is not a walk in the park, but you can always improve your chances by catching Fast Money episodes. If you are an internet marketer then you have a great chance of making great profits by affiliating to their official website. A lot of people are always searching for ways to make more money so one of the most popular and in demand site would be that of Fast Money Recap. DO this now and see how your affiliate sites would work well with them.

The Heard Museum – At Home in Phoenix For Over 75 Years

Built in 1929 to house the personal collections of Dwight and Maie Heard, the Heard Museum has been a landmark in Phoenix for over 75 years. Encompassing 130,000 square feet of classrooms, galleries and performance spaces, the Heard is a place where visitors from across the globe come to learn about the region’s Native cultures and art.

A little history: According to the museum’s website, in 1895, Dwight Bancroft Heard and his young bride, Maie Bartlett, moved from Chicago to call Phoenix home, hoping that the dryer climate would help Dwight with various health issues. The warm air definitely had a beneficial effect on this young go-getter, because he soon became one of the largest landowners in the Salt River Valley, and the Bartlett-Heard Land and Cattle Company raised cotton, alfalfa, citrus trees and prize cattle. Later, Dwight became president of the Arizona Cotton Growers’ Association and is widely credited with helping to make the Arizona cotton growers industry competitive internationally. He was also involved in publishing, investment lending and real estate development, and Maie actively founded or supported civic endeavors such as the YWCA, Camp Fire Girls, Boy Scouts and the Woman’s Club of Phoenix.

Maie Heard and other Bartlett family members donated land for the city’s first civic center, which was located at the corner of McDowell Road and Central Avenue. This site is also where the original Phoenix Library and Phoenix Art Museum were located, and is where the Phoenix Art Museum stands today. Nearby, Dwight and Maie built a beautiful 6,000-square-foot house called “Casa Blanca” in what was then considered north Phoenix. Designed around an open courtyard, the home featured Spanish-style architecture and lush landscaping, and in fact, the couple is responsible for the planting of hundreds of palm trees along four miles of roads in Los Olivos, the neighborhood surrounding their home. When you see palm trees around Phoenix, say a silent thanks to Dwight and Maie, because local historians often credit them with introducing the stately trees to Phoenix.

Casa Blanca became quite the social hub of the city, with the Heards hosting a variety of family and friends including Theodore Roosevelt, Herbert Hoover, Marshall Field, Harvey S. Firestone and others. Over the years, they enjoyed collecting American Indian Art and began to acquire pieces that they exhibited in their home. As a result of their travels and contacts with trading posts and Indian arts dealers, their collection rapidly grew, and as time went on, it became evident that a space larger than their home should be dedicated to their acquisitions. Thus, the idea for building a museum was born.

Unfortunately, Dwight died of a heart attack several months before The Heard Museum opened in June 1929. Visitors frequently rang a doorbell of Casa Blanca so that Maie could show them the museum, but she didn’t seem to mind as she loved teaching visitors about the Native cultures that were dear to her heart.

After Maie’s death in 1951, the Board of Trustees worked to ensure the museum’s continuation by hiring several staff members and establishing a volunteer Museum Guild. Events featuring Native artists and food were created that still continue to this day, and major expansions occurred at regular intervals, with the most recent adding three new exhibit galleries, bringing to ten the number of galleries at the Heard. “HOME: Native People in the Southwest” is the museum’s 21,000-square-foot signature experience, housing almost 2,000 objects from the permanent collection.

Where to Get Fast Money Online the Legitimate Way

Making fast money online is possible as the internet is quick-changing and transactions are all over the world, you can actually find great moneymaking opportunities online. Of course, you can work online, do business online, sell something online and even earn from your expertise online.

If you are resourceful enough to learn some tips and skills that are needed to be able to sell online or make good profits online, you can also earn fast as well. If you are interested to find additional income or earn great commissions online, here are a few avenues where you can learn how to make fast money online the legitimate way.

– Write and make profits. Writing is a skill that is in-demand online, as websites need content and it is important to convey valuable information online through writing to be able to sell something or reach out to potential customers online. if you have a flair in writing, you can actually make fast money by accepting writing jobs, writing for websites and clients or writing your own eBook and selling it online. You can also write for online newspapers, write ad copies for companies and businesses and write product reviews for a fee. There are endless opportunities and you also get to be paid once you have finished your tasks. If you want a faster turn out, then speed up your writing as well. The more projects you finish in a period of time, the better you can make good money.

– Graphic and website designing. Another in demand skill online that can help you make fast money online is graphic design. Graphic design or website designing is needed on websites and in most aspect of the internet and since this is a specialized job, you can also get good pay out of it. Like writing, you can also get fast money online in this area. If you want to earn more, then you also have to speed up your time working on your design projects without compromising quality as well.

– Foreign exchange. The currency market works around the clock and this can be fast and quick. With the convenience of the internet, you can also make fast money online through foreign exchange or currency trading. However, even though this is a profitable venture, this can also be risky and full of uncertainties, thus make sure you have the confidence and the guts to get yourself into such a risky business to make good and fast money online as well.

– Consultancy. For those who are masters in some fields of expertise, you can also share your expertise to the online world for a fee and start to making money as well.

If you are good in selling, then you can also sell something and anything online to make fast money. There are a number of good websites online where you can actually sign up and sell your products. Whether they are digital or something you have rummaged in your closet that you don’t need anymore, you can actually sell any items online for fast cash. Online auctions are particularly popular, thus you may also want to jump in to that trend as well.

Fulfill Your Dream of Owning a Home With the Home Loan

Staying in own home is a dream of everyone. People see dreams of owning home at their own choice, but everybody doesn’t able to afford that. Nowadays in the country like India, money is not a barrier of the dream of owning a home. Because all the government and on-government banks in India offer Home loan. These loans are specially given to those people who wants to build-up their own home or purchase a home.

Indian banks offer home loan under different categories, these include:-

Home Purchase Loans – This kind of basic loans are being provided for purchasing a new home.

Home Construction Loan: Banks provides this kind of loan for construction of home.

Home Extension Loan: One can get the loan for expanding or extending his existing home.

Home Improvement Loans: People can avail these loans if they have the requirement for implementing repair works and renovations of their existing home.

Bridge Loans: This loan is the best loan for those people who wants to sell his existing home and wish to purchase a new home. Banks help people by giving this loan to finance the new home.

Balance Transfer Loans: This kind of loan is given to pay off an existing home loan and avail the option of a loan with a lower rate of interest..

Home Conversion Loan: Banks provide this kind of loan to those people who has already purchased home by taking home loan and then wants to move on to another home and for that he requires some extra money. Under this category of loan the existing loan is being transferred to the new home and the extra amount is to be included.

Land Purchase Loans: One can avail these loans for purchasing land. The bank will give the loan without checking whether the borrower taking the loan for construction his home or using it for some other purposes.

Refinance Loans: Those who have taken loans from their friends or relative to purchase their homes, this kind of loan helps them a lot to repay that debt amount to them.

Stamp Duty Loans: To purchase a property, stamp duty is essential. This kind of loan helps people to pay for the stamp duty.

In India, banks provide home loans against fixed and floating rate of interest. Under the fixed rate home loans the interest rate remains fixed for the whole period of the loan. By taking loan under this category the borrower will get the facility of getting a fixed interest rate. But in this case they have to pay a higher rate of interest. On the other hand, under the floating rate loans the rate of interest fluctuates accordingly. The borrower will get the facility of getting a low interest rate. But the interest rate can rise any time and the borrower has to pay a much higher interest rate than the fixed rate of these loans. The repayment of home loans are to be given through Equated Monthly Installment (EMI). The home loan EMI depends on the amount and the repayment period one takes.

In this age of technology, one can apply for the home loan Online. By applying online one gets relief from the lots of hassle like visiting to the lenders, seeking for the best home loan deal, do the huge formalities and fulfill the long paper works. By availing these loans online one just has to sit on a Internet enabled computer, make a search for the best home loan deal and after choosing one just has to fill a form, that’s it. By doing some simple procedures you dreams can come true.

Mother of the Bride Responsibilities

There is something about their little girl getting hitched that can have an exceptionally peculiar impact on a Mother of the Bride. Some assume control and demand orchestrating everything from the dress to the list of attendees, while others freeze at the prospect of being in the spotlight on your huge day.

The degree to which your mom is included in your wedding arrangements most likely relies on upon the kind of relationship you have with her, and the age at which you are getting hitched. Many moms consider themselves to be the master at their little girl’s wedding, and the weight to arrange an incredible gathering can prompt to push and unlimited contentions.

Here are a couple tips on mother of the bride of the hour obligations to make your mom feel required in your wedding arrangements without letting her assume control totally:

Make her in charge of a particular undertaking

Settle on one part of your wedding that your mom can mastermind and settle on every one of the choices going to occupy her from meddling in whatever remains of your arrangements. Whether it is your solicitations, your blooms, or your cake, ensure it is something you don’t have solid sentiments about, generally giving your mom a chance to sort out it will worthy motivation more issues.

Discuss the list if people to attend at an opportune time

A few moms feel that they ought to be the ones to decide your wedding list of attendees, frequently including relatives and family companions, and barring your companions and associates. Request that your mom compose her optimal list if people to attend, keep in touch with one yourself, and after that take a seat to think about the two. Settle on a rundown of visitors you should welcome and after that attempt to bargain on the rest.

Solicit her recommendation each progression from the way

Talking to you about the wedding will help your mom to feel required in your game plans. Ask her assessment and exhortation on any issues you are having with your wedding arrangements and keep her upgraded on how the courses of action are advancing.

Include her in the financial plan on the off chance that she is paying

In the event that you are adhering to custom and your family are paying for the wedding, you will need to include them in how their cash is being spent. Draw up a financial plan from the get-go and talk through it with them. Fill them in regarding whether you are going over spending plan on specific things, and talk about approaches to lessen your spending in different zones to adjust.

Appreciate her outfit

Aside from the dress she wore to her own wedding, the mother of the bride of the hour outfit will be the most essential outfit she has ever purchased. Take an entire day, or even an end of the week away to run shopping with her, and help her discover something that will make her vibe certain and glitzy on the day.

She doesn’t need to wear indistinguishable shading from the bridesmaids, yet ensure her outfit supplements the shading plan of the wedding as she will be in a considerable measure of photographs with the wedding party. Many moms are enticed to take a stab at something they wouldn’t generally wear; however adhering to an outfit they are agreeable in will permit them to appreciate the huge day without agonizing over their appearance.

Figure out how to state bless your heart

Whether you give your mom blooms on the big day, or a little thank you blessing at your practice supper, figuring out how to state thank you will demonstrate her amount you value the exertion she has put into your wedding.

A little girl’s wedding can be an extremely unpleasant time for a mother, regardless of the possibility that she is not assuming full liability for the plans, so make certain to give her knows you a chance to esteem her commitment.

Top 5 Makeup Tips for the Bride’s Mother

As we start talking about a perfect wedding, the immediate picture that comes to our mind is the bride with a subtle makeup walking down the aisle. However, weddings are not only about the bride. It’s a big day for the bride’s mother too as she is the one who will be standing beside her daughter extending her support for the next milestone. Therefore, the bride’s mother needs to carry out a vintage yet classy look for the entire day.

However, the makeup of bride’s mother will not be same as that of the bride’s. Hiring a professional artist, who specialists in wedding makeup, will prove to be a wise idea in case of taking care of the bride’s mothers look. Here are some expert tips for the bride’s mother that will help them in achieving a stunning look for the day.

Stick to your personal taste: As the bride’s mother, you are not required to quit your styling sense and look unnatural. Consult with your makeup artist along with the fashion designer to keep your style subtle yet fabulous, as always.

Take inspiration: It will be a wise decision on your part to do a bit of research regarding the bride’s mother’s looks. There is nothing bad in getting inspired by the works done by other artists. You can also show some examples to your makeup artist asking him/her to create the similar look you found out either from the Internet or magazines that you have browsed.

Go for a trial run: Trial runs are not only for the brides or grooms but as the bride’s mother you can also go for a trial run with your makeup artist and outfit designer. Tell them about your plan and disclose the inspirational looks on the trial run. Coming with a concrete plan will surely help you to look your best on the big day.

Nurture your skin: It is essential for you to provide your skin with the essential nourishment before the makeup artist starts applying makeup on you. Having a beauty session with the professional makeup artist will let you experiment with several skin care products beforehand. The skin care tips will further help in making your skin compatible with the makeup on your big day. Moreover, as you are ageing, your skin is going through exfoliation. The professionals will also assist you to get rid of the problem early on the big day.

Experiment with your eyes and lips: You need to remember that you will also be the center of attraction on your daughter’s wedding day. Therefore, overdoing the makeup may spoil your classic appeal. To keep a minimal approach, try avoiding something too gawdy and glittery. Rather, ask your makeup artist to give you a matte shade on both the eyes and lips. However, adding a little bit of shimmer would enhance your beauty. Try to cover up the appearance of face wrinkles by using light or medium coverage foundation.

Whatever makeup you put on your face, if you don’t know how to carry out, your expectations will not be fruitful. Make sure you wear water resistant makeup so that sweat, water or tears cannot spoil your beauty. You will find a wide array of makeup artists who will pamper you with their special beauty treatments so that your gracious appearance can amaze the onlookers.

The Stress Free Bride To Be Stay Calm

Once you say yes the games will begin! Your mind will not stop. You will eat, sleep and breathe “wedding”. Some of the best advice I can give you do not make hasty decisions! First, figure out a budget. Once the budget has been determined the fun really starts. You have to decide how to spend it! You have the weight of the world on your shoulders, or at least you’ll feel that way at times. Again don’t make hasty decisions. Do not let a vendor push you to make a hasty decision. You will almost always hear a vendor say ” please let me know ASAP because I have had several inquiries about your date”. Not always, but many times that’s a sales tactic.

Some more of my “best advice”. Don’t diet, but start eating healthy, start taking a good daily multi-vitamin, drink water all day and get plenty of sleep. If you like wine drink a glass a day before bed.

By now you have looked at just about every wedding and bridal site, you have bought magazines, and begun researching venues. Go for it! Once you have spent some time looking at dress styles, decor, colors and venues take a few days and don’t look at anything. Just relax and visualize. What really sticks in your mind? What is it that you think you just have to have? Don’t try to copy other brides, and please beware of trends. Be you, you are who you are, and you are unique and beautiful.

You can hire a wedding planner, and your life will be simple. If you have the budget for a planner go for it! However, I would not recommend skimping on another vendor to hire a planner. You are an intelligent person, you got this. Vendors can offer excellent advice. More than likely your vendors have attended hundreds of weddings. They know what works, and what doesn’t. Don’t be shy, ask questions.

Now for my biased photographer’s opinion. Do not have a friend or relative photograph your wedding! In fact, in a perfect world, every couple would have an unplugged wedding, but we will go over that in a future post. Think about this for a minute. When the wedding is over, the flowers have died, the dress is stored or sold, what will you have left of one of the most important days of your life? Photographs!

Why Not Gift Something Unique on Your Dear One’s Wedding?

Weddings are very special for everybody. We can make the weddings of our acquaintances special and worth memorable with our marriage gifts. It is not about the rate of our gift, it is about the choice. The market is brimming with so much of variety to choose from.

Actually, no matter what is the occasion, you can grab fantastic gifts for your loved ones. Your personality is not just depicted through your communication skills, way of presentation, accent, and lifestyle or dressing sense, your gift pattern also affects your personality. So, make sure you choose a right and a classy gift for your loved ones. If you don’t have a rich collection of gifts in your area, you can look for gifts online.

How to Make Your Wedding Present Special?

– People have always been giving gifts to their friends, colleagues, dear ones, relatives, and acquaintances on their weddings. Since such is the scenario, it gets difficult to become stylish. To embrace chic, you have to bring panache in your choice. Don’t think it is very hard, no, in fact, it demands just an idea to fetch a perfect gift for wedding.

– Have you ever thought about gifting cushions on wedding? If not, then you must try this idea. There is variety of cushions available in the market. Actually, the importance of cushion is that it can set the stage for any couple. Since everybody has a house, cushions would definitely find their place in their house. When a person gets married, he begins a new life. They decorate their house and in these decorating endeavors, your cushion would definitely find its niche. Your cushion would not just get used to the most but also remind the couple of you. Moreover, it is very convenient for you to pick a beautiful and comfortable cushion. You can fetch any type of cushion today. Cushions are available in different shades, sizes, Designs, fabric and so on. So, whether cotton or silk, your cushion is really going to play a great role in the wedding life of your friend.

– Then there is another interesting idea for marriage gift. Just grab a beautiful and quality bed spreads. During the times of weddings, couple get a lot of clothes, jewelries, flower bouquets and other stuff but bed spread is not so common. So, you can grab a phenomenal bedspreads for the couple. Let the wedding couple feel the warmth of your bond. Maybe a couple leave behind clothes or other heavy stuff gifted by acquaintances but they would definitely carry the home linen to their house. Who knows your bed covers finds place in their bedroom! Another thing about these bedspreads is that they are available in all rates, designs, fabrics, shades, and patterns. You can pick a bedspread which falls in your budget bracket. These beautiful bedspreads give a rich look and classy taste. So, why not reserve a place in the house of your dear one through your bed linen?

– Then when weddings take place, the newly wedded couples invite people on lunch and dinners. So, while you are thinking about giving a gift to your friend on his or her wedding, then why not gift him a dinner set? Yes, this would be really useful for them and they are certainly going to keep it with them because they too have to buy it sooner or later. For you, it won’t be difficult to find out a good, designer and pleasant dinner set. So, just don’t think about anything else when you have the option of wedding set in wedding gifts.

Thus, there has to be little bit of creativity in your taste and your gift would definitely win hearts and steal attention. Let your acquaintances know your taste and standards through your gifting style!

Beach Wedding Flowers for the Bouquet

To make a beach wedding perfect you need to have the right wedding flowers for your bouquet. It is important that you have the flowers put together to make the most of their colors along with complementing the wedding theme and colors. There are any different tropical flowers that you can mix and match for your wedding flowers. Tropical flowers have vibrant colors that will not clash with each other and you can even have different colors of the same flower.

White rose’s combination

When you are arranging the bouquet make sure that you have an even set of six wedding flowers placed together in your bouquet. A beautiful combination is medium-sized white roses mixed with roses that compliment your wedding theme. This bouquet will give you a strong yet subtle array of colors. To hold the base of the flowers intact, use a golden mesh type material. Tie it with a ribbon that compliments your wedding theme. Throw some sprinkled shine on the bouquet to have a beautiful rose bouquet.

Orchids

This flower offers a variety of colors like blue, violet, wand white. They would look great as wedding flowers in your bouquet. Again, use white and the color that complements your wedding decor. You could use a few white orchids mixed with two of the colors in your wedding colors. With these being wedding flowers for your beach wedding, add some seashell highlights glued to your bouquet ribbon that is holding the flowers together. You can also use small teardrop that you can stick on some of the petal to make it look like water droplets on the petals.

Bird of Paradise

These wedding flowers burst with colors of bright blue and orange. If you are having a morning wedding these will look spectacular in the sunlight. The sunlight appears to make the color pop and is a simple arrangement to put together. To wrap the bottom of the flowers use a bejeweled mesh.

Dahlias

These wedding flowers are the personification of class, style, and elegance. Using Dahlias will make your bouquet one of a kind. These flowers come in a variety of colors such as yellow, pink, red, white, lavender, orange, and bi-colors. They range in size from two inches to one foot in diameter.

These are just some of the different wedding flowers that you can use in your bouquet. When you choose flowers make sure that they will not easily wilt in the sun because nothing looks worse than a bouquet of wilting wedding flowers. You will also need to decide if you want flowers that do or do not have a scent. It may help to have a drawing of what you want your bouquet to look like when choosing wedding flowers.

Step Up Your Wedding

Are you in a mood to surefire and add that extra edge to your wedding space? We give you two sure shot ideas!

1. Venue Draping

Gorgeous draping is one hundred percent sure to catch the notice of your guests! What is best suggested is the 40 Denier Satin specifically for the draping fabric. You may have heard a lot about Gossamer Fabric. It is an awesome lightweight fabric that one frequently uses on the drop down ceilings. Yet, what we suggest is the, 40 Denier Satin Fabric. Here is why!

With the ceiling and wall draping fabric, the principal factor that makes the most handsome drapes is the width of the fabric. You can always call the fabric places and tell them you want a fabric that is 108″ wide and 144″ wide. One more very noteworthy issue to pass is to use fabric for draping that is lightweight. You have to explore a satin which is light enough to use in ceiling draping. Using the wrong fabric, or using too much fabric, could actually pull down a drop ceiling installation. For that, we suggest the, 40 Denier Satin Fabric, for venue draping.

As a fact, the word “denier” is merely a measurement term used to describe the ‘fineness’ of fiber in a certain fabric. A fabric satin comes in 250 denier or upper, but the one that we suggest is to use is 40 denier which is a width used for often for satin sheets. This essentially means that it will be light, but dense enough to “cover”. Satin also provides the rich look!

2. LED Dance Floors

Another factor in revamping is to bring in the LED dance floors! Bring back the retro look in high style! LED dance floors propose good looks and serve as one of the best ways to inspire people to dance. You can easily find LED dance floors on rentals or short term hire!

a. Sparkle LED Dance floor – the reasonable option

The sparkle dance-floors can be easily fitted and detached, making it just perfect for portable use. You can find tiles containing green, red and blue LEDs permitting you to change the color using a wireless remote. There are many dealers out there willing to offer their prices!

b. Standard LED Dance floor – a little expensive

These panels are more expensive than the sparkle ones. These are the standard installation panel ideal for nightclub and bar use. These panels need to be professionally fitted but can completely change the look of your function! The LED dance floors can generate any number of patterns and colors necessary, with no lamps to change. There are many dealers out there willing to offer their prices!

LED Dance Floor to Illuminate Your Wedding

Illuminated tracks are always a success at every wedding, whatever the style of it. The game of lights and colors will make your guests sit in a disco and create a fun atmosphere that will surely make your guests do not stop dancing throughout the party.

There is a great variety of types of LED dance floors, and each one offers different advantages and characteristics. That is why it is important that you think which one fits your wedding style, place and your budget at best. To know what your chances are we will share all the information about the main types of illuminated tracks.

The size and shape. The size and shape of the LED dance floors can be any; you can choose between square, rectangular and sometimes even circular, it all depends on the taste of the bride and groom.

The cost. Most often it is covered by each panel that forms the track, depending on the style of panels and lighting you want for your wedding party.

· Acrylic head. It is the cheapest option in the market since it does not use LEDs, that’s why saving becomes the biggest advantage of this type of track. On the other hand, you have to be aware that having no lights you will not be able to play with colors and music as you would with a lighted track with LEDs. The Wedding DJs track is made of a base also made of wood with unique acrylics in white color that will be illuminated by the common focus of different colors that can be turned off and on during the dance.

· Wooden path. It is one of the best and most recommended options for Bollywood DJs with carpet or garden weddings, as this will not damage the grass or the carpet at the time of the dance. These tracks were the first ones that came on the market, and it is a wooden platform with illuminated panels.

· Glass track with LEDs. It is the most attractive option; it is a track that has individual glass panels and LEDs that will illuminate each panel. The LED lights turn on automatically or with a particular lighting control that will achieve a special effects game between the track and the music, turning on and off to the beat of the music, or doing magnificent scenes, for example, for your first dance. Surely your guests will never forget the light show that these types of Bollywood DJs can offer.

· Track of panels with LEDs. These are the most expensive tracks on the market due to the sophistication of their panels. Thanks to each panel are independent you can create figures, patterns and with a little imagination until you can write their names on the dance floor.

Installation. The Wedding DJs can be installed almost on any flat surface, and even on swimming pools, if your wedding will be in a garden with swimming pool you can gain space installing the dance floor over the swimming pool, sure to look fabulous.

Tips for Choosing the Perfect Bespoke Wedding Dress

Choosing the perfect wedding dress for your wedding day is exciting and fun, but it can also be frustrating if you can’t find the gown of your dreams. Your wedding dress is one of things that really should be perfect, not just “OK”, which is why many people turn to dress designers to create the perfect bespoke wedding dress for their big day.

Of course it takes a more time to work with a bridal gown designer to create a unique dress that has been made just for you, but the end result will be stunning and you will be wearing a one-off on your big day. If you are thinking of ordering a bespoke wedding dress, here are some tips that will help you choose the perfect bridal gown for you.

Find your inspiration

Having a bespoke bridal dress made for you provides you with the opportunity to have a real input into the design of your dress, so do your research first to get ideas on how you would like your gown to look. You can start by looking at wedding magazines or going online and looking sites like Pinterest for ideas. You might want to incorporate some of your own ideas into the design too, such as a feature from your mother’s wedding dress, or something else that is particularly meaningful to you.

Choose a designer who you can work with

Different designers will have different styles and different approaches to design, so it’s important that you choose a designer that you are 100% happy that you can work with. The first step is to look at their work online and then it is essential that you meet with the designer before you make any type of commitment.

Trust your designer

Once you have chosen a designer, you will need to work with them to create the gown of your dreams. While it is important to remember that it is your day and it is your dress, you will need to place quite a lot of trust in your designer too. Take on board their ideas and be patient, because it can take many visits over many months for a bespoke wedding dress to be completed.

Leave plenty of time

Make sure that you know what the turnaround time is for a bespoke dress before you order it, because designers will usually charge extra for a rush job. The best wedding dress designers will usually take about eight to nine months to complete a bespoke wedding dress, so you need leave plenty of time to have the dress made for you.

Take just one person with you to the initial meeting

Taking your friends and your family to fittings is all part of the fun and excitement of the build-up to a wedding, but don’t let your entourage get in the way of you having what you want, especially for the first meeting with a wedding dress designer. On the first few visits, when you are making important decisions about your dress, it is advisable to only take one trusted friend or family member with you for a bit of support and advice.

Make it your dream dress

When you wear a bespoke bridal gown, it can be your own. It’s a wonderful opportunity to incorporate your own ideas into the design, have the perfect shape and style for you, and to have all the little, unique details that will make your wedding dress a very special one-off. Work with a bespoke wedding dress designer and they will turn your dream wedding dress into a reality for you.