Archive for May, 2013


What jobs can a single family home property management New York company do

by como ·

If you have single family and need to rent it out, but never planned on being a landlord, or had to relocate for a job, then a property management company can help you. They will have experience in the local rental market and assures you the best, saving you both time and money. They help you avoid costly mistakes, comply with complex legal requirements, and improve cash flow.

Single family home property management NY Company can do the following jobs for you: Comprehensive Marketing & Advertising Program:

Every day a property is vacant is money out of your pocket, and the cost of professional management quickly pays for itself in shorter vacancy times. The single home property NY Company spends thousands of dollars every month advertising our vacancies to get them filled-faster. Collections: Their rent collection processes are professional & tough, and they are extremely diligent in collecting your rent through a systematic, timely process. Reporting They will provide you with monthly accounting reports that include a balance sheet, income & expense statement, rent roll, rent ledger, expense and a copy of the bank statement. These reports are fully transparent, that also keeps you updated on all property activity, including vacancies, leasing, maintenance, inspections and financial reports. Routine Inspections They inspect your property on a regular basis both inside and out to assess condition and ensure tenant care and lease compliance.They also identify maintenance issues that can become costly if neglected. Maintenance Maintenance is can be one of the most difficult parts for you, if you manage your property. The single family home property management company will have 24/7 maintenance staff to do the job, who ensures you that the repairs are done in professional manner. Complete eviction and possession services In this economy, even with careful placement you may find yourself evicting a tenant. The property management company is extremely knowledgeable in state and local landlord and tenant laws. If rents are not paid on time, they initiate the legal steps necessary in the fastest possible time frame to minimize your costs and get the property leased again as soon as possible.

These property management companies have vast knowledge in the area and they know how complicated-and costly-managing property can be if not done carefully and professionally. So, hire an experienced property management company to save your money and time with a better process. Single family home property management NY For the best in real estate property management, Westchester and White Plains NY residents can turn to Real Property Management1 Westchester.They have local knowledge and experience in property management in Westchester and the greater White Plains NY area along with the property systems management, advertising and marketing capabilities. Real Property Management Westchester is able to bring to their clients simply the finest in service and results in terms of property management companies.

1. Real Property Management: Real Property Management is the nation’s local property manager. They provide both single & multi-family homes management services in New York and much more. Office is located at 777 Westchester Avenue, Suite 101, White Plains, NY 10604. You can call at (914) 288-6023 and fax at (866) 314-9739. You can send mail at . For more details, visit


How to become a successful lawsuit loan broker

by como ·

The lawsuit industries are cyclical in nature and so the job if the lawsuit loan brokers are very tough. There are various factors that one needs to keep in mind while dealing with litigations and advertisement costs that is included in the business. The litigation broker is required not only to survive himself but at the same time also flourish in a well and prosperous way while all the years he is been working in the industry. There are lot many aspects so it is important to be well informed about various laws and various activities that are going back and forth in the industry. Firstly lets discuss who is lawsuit broker and what does he do. The settlement loan broker has to provide lawsuit cash to the victims who have suffered miseries in some or the other accident and this loan amount is provided to them on the basis of their merits. Higher the chances of getting the compensation amount demanded by fair means, higher are the chances of getting loan. Even if the plaintiff has suffered from prior bankruptcy or any kind of bad credit history, there is no such concern of the company and you will still be granted with the loan amount. At times these lawsuit brokers are moreover identified as litigation or funding brokers. Anyone can become a litigation broker and there are no such special requirements to get indulged in this filed. If you wish to become a good and successful broker, you ought to follows some important points. You should be able to have good knowledge of the nuances of the industry. Advertising and marketing should be done very wisely. You should also be able to understand the needs of your clients and the sources through which you are gaining sources. Also you should start advertising with a small budget.


Finance Help The Importance Of Financial Planning In A Recession Market

by como ·

Every person in an economy is happy when the financial markets are bullish, with high rates of economic growth. Public spending levels are high, investment levels are soaring, and the expectations about returns from investment are sky-high. Financial planning is necessary in these periods are necessary in these periods, but not so much so as in periods of recession. When recessionary forces hold sway, market economics project bearish markets and low growth levels. During these times, finance planners and proper planning is of utmost importance in order to ensure that investments are not affected too badly, and a swift recovery remains possible.

Recessionary phases come as a harsh reality check for the investment market, where expectations remain invariably optimistic during bullish conditions. These phases of economic downturn are the times when personal financial planning proves to be extremely valuable. It is common that investors (who generally predict returns as high as 20 percent during good times) become extremely pessimistic in their expectations during recession, and may indeed, drastically cut down on their investment levels.

This is where finance planning comes in handy. Financial plans, when done in a proper fashion during recession, can help investors achieve their targets, even during a market downturn. Planning should be based on expectations that are neither too optimistic (as during bullish periods), nor too bleak (as is often the case during recession). Financial planning, especially during a deflationary market, comprises of the following strategies:

a)Revision Of Investment Targets: Common investors always have certain targets in mind as they frame their finance plans. These targets are also generally accompanied by well-defined time-frames within which to achieve them. However, the ability to invest is adversely affected during a recessionary phase. In such a scenario, the initial investment plans might need to be revised and/or toned down according to the situation.

Realistic expectations are of the utmost importance in planning during deflation. When an economy experiences a downturn, individual incomes are adversely affected, reducing their ability to invest. This, in turn, results in individual debts being paid off less quickly than what might have been imagined initially. Additional payments on individual mortgages and debts are difficult to come by, and the time-frame required to achieve ones investment targets may need to be extended during recession.

b)Proper Estimation Of Risk-Tolerance Levels: Based on how ready an investor is to take risks in order to gain higher returns, (s)he can be classified as risk-lover, risk-neutral or risk-averse. Awareness regarding risk-tolerance grew rapidly after 2000 (after the dot com bubble burst). During recession, individuals need to accurately asses their risk-tolerance levels, and then choose the investment plans that would suit his/her preferences.

c)Restructuring The Individual Portfolio: After a revision of investment plans, a restructuring of portfolios that are currently held is also important. Sector diversification is an effective strategy, since owning a mix of small-cap, mid-cap and large-cap stocks effectively lower ones risk, while maintaining a high rate of return attached to a portfolio,

d)Revision Of Insurance And Estate Plans: Insurance plans are generally made in order to plug the gap between desired levels of lifetime expenditures and portfolio incomes. During recessionary periods, portfolio income might go down. Consequently, one needs to expand his/her insurance plans. A thorough revision of real estate plans is also necessary.

These components of financial planning, if carried out properly, can help investors a great deal during recession. Hence, finance plans are of great importance during these periods.


Applying For A Job Be Aware Of The Employment Background Check

by como ·

More and more these days, employers of all types are conducting background checks on potential employees. But it’s not the criminal background checks that job seekers should be worried about so much as the employment background checks.

Constraints of Background Checks by Employers

Many companies don’t do criminal background checks unless they are in law enforcement. And believe it or not, it is actually illegal for an employer to ask a candidate whether or not they have ever been arrested. However, they are allowed to ask if you have ever been convicted of a specific crime if it is related to the job you are applying for.

A good example would be if you are applying to be a janitor at a grade school. Such a school obviously would not want a pedophile working there, and so they might ask you if you’ve ever been convicted of child abuse. Likewise, retail stores hiring product stockers might ask if you’ve ever been convicted of shoplifting.

However, questions about convictions that are unrelated are generally not allowed. As a candidate that does have a criminal background, you would do well to study the company you are applying at and consider ahead of time whether your convictions are even remotely related to the job. If so, be prepared to answer questions about it. If not, then be prepared respond appropriately for a question that is illegal.

Employment Background Checks

The employment background check is far more common with employers both because of its ease as well as the belief that past performance is the strongest indicator of a candidate’s future performance.

This type of background usually consists of an employer calling the previous employers you have listed. If you have left any employers on bad terms and are concerned about what they might say about your performance there, then listing them might not be the best idea even if the experience you gained there would help you get the job.

The most common flag that appears in employment background checks is that the candidate never even worked where he or she claims to have worked. This will typically result in immediate rejection in your consideration for the job.

The employment background check is virtually universal these days because of how easy it is to catch a candidate in a lie about their history. Employers simply call the past employers listed and confirm that you actually worked there.

Discovering that you have been dishonest is not a good way to start off a relationship with a potential future employer, thus making it very important that you are always honest about your employment history.


California Law Just Got Tougher For Those Who Would Commit Financial Elder Abuse

by como ·

California is anticipated to pass three new bills that would strengthen elder abuse laws in the state. Among other things, the definition of undue influence would be updated as it relates to financial elder abuse. Notary Publics are now required to report suspected financial elder abuse when they identify it. These new requirements are meant to strengthen laws that protect vulnerable senior citizens from financial elder abuse. Oakland financial elder abuse attorneys say that these new laws are a welcome tool that will help combat financial fraud against the elderly.

Recently, California regulators have been accused of disregarding or ignoring complaints of elder abuse. According to a report issued by the Center for Investigative Reporting, in 2009 the California Department of Public Health ordered it’s investigators to dismiss about 1,000 complaints regarding financial elder abuse and theft. What this means is that those 1,000 complaints may have been closed without investigation. Oakland financial elder abuse attorneys say that every complaint of financial elder abuse and neglect deserves to be investigated.

Unfortunately, many cases of financial elder abuse are perpetrated by family members that were trusted to look after the best interests of their loved ones. Once a power of attorney is given to a family member, they have control over the finances of the senior citizen. Often, that leads to financial elder abuse. When financial elder abuse is committed by a family member, it is less likely to be reported. Oakland financial elder abuse attorneys remind the public that the instances of financial elder abuse continue to increase.

Assembly Bill 477 requires Notary Publics to report financial elder abuse when they suspect it. Assembly Bill 140 updates the definition of undue influence related to financial elder abuse. Assembly Bill 381 allows the court to give attorney’s fees and costs in scenarios where senior citizens are financially abused by people who have the power of attorney.

Evans Law Firm, Inc. handles elder abuse, financial elder abuse, physical elder abuse, annuity fraud, consumer fraud class actions, insurance and banking fraud cases. If you think that you have witnessed or are the victim of elder abuse, or financial fraud then contact Evans Law Firm, Inc. at 415-441-8669 for a free and confidential consultation, or email us at


Home Staging Marketing Strategies to Sell Properties

by como ·

Is Your Marketing Hot?

The number one question that I always get from all of my clients, whether they are Certified Home Stagers, Home Stagers in Training, Real Estate Agents or Investors, Small Business Owners, Speakers, Entrepreneurs – you name it, this is their question: How do I market my business?

Many have some idea how to market their business, but they don’t know how to effectively market, in order to get the results they desire, which is the key. Usually, they delegate their marketing to an advertising channel such as the yellow pages, some random online marketing or a flyer or two that has been passed out at a meeting in the hopes that everyone that takes one will call you back keep hoping!

I love the coffee cup above as an extra hot marketing tool. Not only is the Bakery advertising with each cup of coffee, but they are in turn selling advertising to other clients on the mug. Super Smart! And of course the mug makes sense to their customer since they serve all sorts of coffee drinks at the Bakery.

Could they have done better with an extraordinary offer and a guarantee? Of course! The problem was lack of space, so they worked with what they had.

The real question though, is what does it take to make your marketing hot?

1) It must speak to your customer- Just like the coffee speaks to the customers buying a croissant, yours must do the same. Ask yourself who your customer is and what appeals directly to them. Is it a real estate agent, an investor, a home seller who is your customer and what speaks to them? Then, make sure your message sizzles!

2) Scare them or speak to their greed- Yes, that is the truth. The best way to capture your customer’s attention is by scaring the pants off of them or appealing to the sense of greed. So, if you are marketing your Home Staging Services, then you would send them a message like; Are you ready to sit on that listing for another 6 months? Or, Would you like to make an extra $5,000 this month?

3) Make in Incredible Offer- You can do this in a variety of ways. It can be accomplished with a 100% money back guarantee, the offer of a FREE flatscreen TV, 50% off, Buy One Get One Free, or even thru a great prize that your customer wins by participating in your contest. The idea is to give them something so juicy that they feel compelled to give you a shot.

4) Market Consistently- One of the most attractive things to potential clients is that they see your marketing consistently. Now they know you are not a, fly by night, home stager, running your business as a hobby instead of as a real company, and that you are smart enough to know how to market. That in and of itself is often appealing enough to some future clients.

5) Surprise them with your Marketing- The coffee cup was a surprise, so it was fun. When we stage homes and hide a pocket of emotion in the drawer and the buyer opens the drawer, that is fun (and it is house marketing). Having a message like the 25 reasons a rubber duck can sell your home is a fun surprise because they don,t expect it. If you really want to have, surprise them with the unexpected.

I think the last thing I would say about marketing is to simply look and see what your competition is doing and do the opposite. They are the ones inclined to post an ad and then not get any calls so they quickly determine the ad does not work. Hmmm, maybe they did not place an ad in a location that their customers see, or the ad just was not compelling.

The best example I can give for this is when I started my own Home Staging company, I looked around at all the other Home Stager Certification Program out there talking about making houses pretty and it dawned on me that there marketing was all about them instead of the results they could achieve for their potential clients. That is when I came out with our tag line of “Anybody can make your house pretty, we make it SELL.” Obviously, that did the trick.

So, let’s get you a great list of customers beating down your door so you can show them how extraordinary you really are, while introducing them to your hot marketing.

Karen Schaefer – Home Staging Training and Certification APSD
Karen Schaefer


Development of Databases and Database Management

by como ·

The development of databases and database management software is the foundation of modern methods of managing organizational data. The database management approach consolidates data records and objects into databases that can be accessed by different application programs. In addition, an important software package called a database management system (DBMS) serves as a software interface between users and databases. This helps users easily access the records in a database. Thus, database management involves the use of database management software to control how databases are created, interrogated, and maintained to provide information needed by end users and their organizations. Thus, the database management approach involves three basic activities.
1. Updating and maintaining common databases to reflect new business transactions and other events requiring changes to an organization’s record.
2. Providing information needed for each end user’s application by using application programs that share the data in common databases. This sharing of data is supported by the common software interface provided by a database management system package. Thus, end users and programmers do not have to know where or how data is physically stored.

3. Provide an inquiry/response and reporting capability through a DBMS package so that end users can easily interrogate databases, generate reports, and receive quick response to their unplanned requests for information.

A database management system (DBMS) is a set of computer programs that controls the creation, maintenance, and the use of the databases of an organization and its end users. The four major uses of DBMS are;
Database Development:
Database management package like Ms. Access and Lotus allow end users to easily develop the databases they need. However, large organizations with client/ server or mainframe based systems usually place control of enterprise wide database development in the hands of database administrators (DBAs) and other database specialists. Database developers use the data definition language (DDL) in the database management system like Oracle 8 to develop and specify the data contents, relationships, and structure of each database, and to modify these database specifications when necessary. Such information is stored in a database of data definitions and data specifications called a data dictionary (a computer based catalog or directory containing metadata, that is data about data. It includes software components to manage a database of data definitions, that is metadata about the structure, data elements, and other characteristics of an organization’s databases.), which is maintained by DBA.

Database Interrogation:
The database interrogation capability is a major benefit of a database management system. End users can use a DBMS by asking for information from a database using a query language or a report generator. They can receive an immediate response in the form of video displays or printed reports. No difficult programming is required. The query language features lets the user to easily obtain immediate response to ad hoc (unplanned) data requests. The report generator feature allows die user to quickly specify a report format for information he wants presented as a report.
SQL or Structured Query Language is a query language found in many
database management packages. The basic form of an SQL query is; SELECT..
After SELECT the user lists the data fields he wants, retrieved. After FROM the user lists the files or tables from which the data must be retrieved. After WHERE he specifies conditions that limit the search to only those, data records in which he is interested.
Another query language in some database management package is QBE, or Query By Example. QBE’s point-and-click capabilities make it easier for end users than SQL.
Database Maintenance:
The database of an organization need to be updated continually reflect new business transactions and other events. Other miscellaneous changes must also be made to ensure accuracy of the data in the database. This database maintenance process is accomplished by transaction processing programs and other end user application packages, with the support of DBMS. End users and information specialists can also employ various utilities provided by a DBMS for database maintenance.
Application Development:
DBMS packages play a major role in application development. Application developers can use the internal 4GL programming language and built-in software development tools provided by many DBMS packages i develop custom application programs. For example, a user can use a DBMS easily develop the data entry screens, forms, reports, or web pages of a business application, DBMS also makes the job of application programmers easier. they do not have to develop detailed data-handling procedure using conventional programming language every time they write a program. Ir. they can include data manipulation language (DML) statements in their programs that call on the DBMS to perform necessary data-handling activities.

Rashid Javed writes articles about computer basics such as history of computer and uses of computer.


Payday Loan Help At The Right Place And The Right Time

by como ·

Payday loan lenders can come in really handy at times. Payday loans are given in a number of situations which makes them one of the most ideal ways to get cash in a hurry. You may find yourself in a situation needing some extra money and feeling you don’t have many options. Payday loan lenders are there to help consumers who don’t have the credit to take out a bank loan and who need a simple and fast way to get a short-term loan.

Most payday loan lenders make it really easy and convenient to apply and get approved.What you need to consider before taking out a payday loan online or in-store is the interest rates offered by the lender. You will also need to consider he amount the company gives, the reliability of the company, the application process and the payback process. All this will allow you to pick the best direct payday loan lender to handle your loan.

Saving for emergencies can be really tricky at times. You may need to handle a deductible that is not covered by your car insurance policy. Payday loans can help you manage your medical emergencies. Perhaps you are simply trying to make it from one paycheck to another and don’t have any other means to pay your rent or utilities. These loans are a good way of getting things in control in case of an emergency. This does not negate the fact that you should at some point and time try to start a savings account for future financial needs.

Major car repairs can be headache that one is not prepared for. The point of a payday loan is to make life easier when it comes to obligations that need to be handled in good time. A damaged or broken car may be the only things between you and your job. Getting these repaired done especially when your savings are not enough can be a nightmare. A payday loan will help you get back on track and have your care repaired in good time. The speed of the lending process actually makes them the best option when it comes to getting financial loans. Most loans that are handled by the traditional lenders will need to go through a long process after which an approval could be refused unlike the payday loan lenders.

Medical bills can get tricky at times thanks to the insurance companies. You could also get a huge bill that may be hard to handle with your savings. A low cost payday loan will help you manage medical bills among many other bills with ease setting you right back on track concerning the health of your family and loved ones. You will also have the choice of the kind of lender you want to work with. The only difference is that the online lenders will handle the transactions only while the direct lender payday loan will give the loan from a physical location.


Discovering Untapped Investment Opportunities In Paraguay

by como ·

The hit of the global economic crisis coupled with the harsh and extended drought has transformed the once-vulnerable Paraguay, with its rich agricultural industry and extensive hydro-electricity resources, into an attraction for foreign investors

Canadian entrepreneurs and investors Neal De Florio and Daniel Wang, Principals of Monarca Capital, are smitten with Paraguays stable economy, high incentives, low taxes and abundance of water, extensive arable land and clean electricity, oil and gas. The strategic geographic location of Paraguay, nicknamed the Heart of South America is at the heart of the highest income region of the continent, which accounts for almost 50% of South America`s GDP, say the investors.

Wang and De Florio are in for the long run. They have worked diligently to identify a number of investment opportunities in Paraguay in the banking, agricultural, real estate ,and infrastructure sectors. De Florio says, Our first priority is to find the right partners in Paraguay, then we focus on the opportunities that are available to us in each of the specific sectors we have earmarked. Doing business with honest and ethical people is paramount to long-term success in foreign markets.

Monarcas long-term aim is to develop funds for multiple sectors with foreign equity combined with traditional debt and/or fixed income securities. According to Wang, investments into Paraguay would be best suited for the mid-sized institutional investor or high net worth private investors. He says, You wont necessarily find deep discount opportunities as you would in the United States after the financial crisis, but you will find exceptional opportunities below their intrinsic value and at discounts compared to its neighbouring countries of Argentina and Brazil.

The stigma of corruption in its banking sector cant be easily dismissed, but Wang believes the Paraguayan banking sector is solid due to much improved and notably stricter regulations under the direction of the Central Bank. The development of inter-banking systems has resulted in increased interest from international banks such as Banco Regional, which is 40% owned by Rabobank, HSBC, and Citbank, he says. The entrepreneurs are also encouraged by a recent press release announcing Paraguays two largest banksInterBanco, a unit of Brazils Ita Unibanco (NYSE: ITUB), and the local subsidiary of Spains BBVA (NYSE: BBV)both posting the biggest profits in the system from January to August of this year.

While Paraguay enjoys the backing of its international banking partners, it cannot be denied that only 20% of its population has access to financial services due to its extensive rural areas. De Florio and Wang have identified an opportunity in the very need to shift banking from the current 75% dominant sight deposits (similar to that of chequing accounts) to medium- to long-term financing and broaden banking participation. There are plenty of development opportunities to fill that gap. Paraguayan banks and the government are committed to achieving widespread access to financial services in the country, says De Florio.

In the real estate sector, De Florio and Wang strongly believe developing low- to middle-income housing is an opportunity to cash in on a strong demand to alleviate the housing shortage.

Nothing could be more surprising than Paraguays recent historical milestone. After a decade, Brazil decided to increase Paraguays compensation from $120 million to $360 million for its share in operating the worlds largest energy-generating plant, the Itaipu Hydroelectric Power Plant, jointly owned by Paraguay and Brazil on the Parana River. Paraguay will soon enter into the Brazilian energy market as the agreement will allow Paraguay to sell its unused power in Brazil. Investors can look forward to infrastructural developments with the replacement of obsolete electric transmission lines by 2012. The powerful lines will increase Paraguays current 10% generating capacity to correspond with its industrial growth. While other emerging agricultural sectors could account for a deficit because of inadequate water supply, Paraguays advantage of having extensive water reserves and arable land together with low energy costs will continue to boost agricultural investment incentives.

For Monarca, Paraguay is a country with unlimited growth potential and unrivaled benefits. With Paraguays equidistance to Brazil and the Atlantic Ocean and to Chile and the Pacific Ocean, and with Rio Paranas natural borders to Brazil and Argentina, Paraguay enjoys access to main commercial centres, free ports, regional ports, barges and transatlantic ships.. It is a land where the VAT is, at 10%, the lowest of all South American countries; a land where 0% is applied to import tariffs on capital goods, capital transfer for investments of more than $5 million, and payments of interest on foreign loans. And, Paraguay is the ideal country for a business platform for logistics and distribution centres, IT, call centres, financial services, light manufacturing, vehicle and machinery yards and tourism offices.

For other foreign investors, Paraguay awakens an anxious attraction. Moving in the direction of greater investment transparency, stricter guidelines and minimized risks and costs, Paraguay is positioned to break down its barriers and could prove to be among the first in Latin America to emerge as paradise found.

Priti Ramjee is the President of Stratagem North, Ltd., a Canadian company. Priti has been specializing in global opportunities for asset based lending for eight years.


Effective Plumber Marketing Strategies

by como ·

If you are a plumbing service provider, then there must be tens of others in your locality, and you need to stand out of the crowd in order to get most of the business. Here some of the most effective plumber marketing strategies that can help you in getting ahead in business:

Secure your place in Google Places: Google Places listings are gaining increased prominence in search engine result pages for their geographic terms, such as plumber in Alabama. The best thing is that these listings are absolutely for free and can be highly effective in attracting your target clients.

Make it clear who you are: When a prospective customer visits your site, he finds you reliable if you have clearly indicated who exactly you are, what kind of services you offer, what are your rates and how you provide your services. Upload a video or picture of yourself and indicate some details about your experience and background. After all, people want to ensure that you are a reliable person, before they can allow you to enter into their home.

Call to action: Once you have provided enough information on your website, call your customers to take a necessary action. One common sentence can be Call now to receive your free plumbing quotes.

Hiring a copywriter: Even if you are a two or three person business, you should not try to write your own website content. After all, no matter how good your language is, you may not be professional enough in your tone. Hiring a professional copywriter to write your plumbing advertising content can make a big difference in your business. An experienced copywriter can persuade people to read your HVAC advertising ideas, and convince them to contact you and ask you for your service.

Promote your brand: Plumbers need to travel around a lot, and it makes sense to have your company name and logo imprinted on your vehicle and work clothes. This increases your brand exposure and indicates your professionalism.

Give free advice to your readers: Most people out there have no idea even about the basics of plumbing. So, you can offer some useful tips and advice to people who visit your site for some valuable information. This portrays you as an expert in your field and thus, helps out in your plumber marketing campaign.

Apart from all these HVAC advertising ideas, you can also employ social media marketing and web analytics program on your site. These plumbing advertising techniques increase your brand awareness among your prospective clients, and establish you as a reliable plumbing service provider in your locality.