Archive for November, 2013

11.30
13

Playa Del Coco Real Estate For Best Property Investment

by como ·

Costa Rica is one of the most amiable locations for second home, vacation property, retirement home or even for investment. With so many enticing locations and appealing sights to visit and explore, your stay here is going to be just amazing here. The beautiful and charming scenes here are mesmerizing which drives holiday makers here to spend some peaceful time with their near and dear ones here. If you are thinking investment at this point of time, you can try the best options at RE MAX Ocean Village. Here are also available some of the amazing properties for investment purposes. High end Condominiums, Homes and Village, Lots and Land, Farms and Ranches, Development Parcels and various units.

The location of this Village is very inspiring and admirable too. Located at just 20 minutes distance from Liberia International Airport, it is just next to the Costa Ricas most beautiful beach and lies amidst the Playa del coco real estate junction. Only some of them get the lucky chance to be the owner of this place. A place with world class lifestyle with unbeatable and most pleasurable weather conditions, what else you expect at your vacation destination. Moreover the finest of the infrastructure, health care facilities, shopping, restaurants, Night life and other range of activities for all age group makes this location definitely different from other holiday place. So what you are buying first time or already having staked here, the real estate experts here provide you all kinds of information and important details.

What makes Costa Rica the favorite hotspot for investment?

The amazing ambience which you can enjoy at this place is just the most exclusive. Each temperature fall or rise has different experience to offer in Guanacaste. From Nonstop sunshine to tropical green mountains, here you have every kind of air to breathe, verdant surrounding to live in. Here you get exactly the lifestyle you’re looking for. Through this you can make out if you would prefer to live here during your vacations or forever.

Costa Ricas warmest and driest location Guanacaste is also the northwest province of the country. It is completely dry during November to May. This is the peak season when the people visit Guanacaste at the most. And some of the other places which remain in favorite list are Playas del Coco, Playa Panama, and Playa Hermosa. Especially the U.S. and Canada citizens flock up here to flee the cold weather there. This is the time when dance clubs are the busiest, restaurants are full, and streets come alive. Not just Americans, but people from other countries and continents join up here to enjoy the atmosphere of these Latin beaches during the vacation, and no one to blame… It’s really a blast to spend a mind blasting outing while on vacation!

If you are thinking investment at Playas del Coco real estate, this is the best option to think for. With great returns over the time and amazing popularity, you can invest here for getting good returns or can keep it as the best long term asset for yourself.

11.30
13

Leather Industry Of India

by como ·

The leather industry in India holds a very prominent place in the Indian economy. The leather and leather products industry is one of the oldest manufacturing industries in India. The Indian leather industry provides employment to about 2.5 million people in the country and has an annual turnover of approximately US$ 5,000,000.

The industry has a massive potential for providing more employment, growth, and exports. Recently, the exports of leather and leather products have gained massive momentum. The exports of Indian leather goods have registered phenomenal growth. This is mainly because great emphasis has been placed on the planned development of the leather industry and at the optimal utilization of available raw materials.

Over the years the leather industry in India has undergone drastic change from being a mere exporter of raw materials in the early 60’s and 70’s to now becoming an exporter of finished, value-added leather products. The main reason behind the transformation is the several policy initiatives taken by the government of India. The proactive government initiatives have yielded quick and improved results. Thanks to the government efforts today, the Indian leather industry has attained a prominent place in the Indian export and has made the industry one of the top 7 industries that earns foreign exchange for the country.

Since India adopted the globalization and liberalized economic policies in 1991, the leather industry has flourished consistently in several ways and has contributed heavily to the Indian exchequer. Though the industry has developed, it still has great potential for more growth and investments. Investing in Indian leather industry is particularly advantageous because the industry is poised to grow further and achieve a major share in the global trading market.

The government of India in its Foreign Trade Policy for 20002009 has identified the leather sector as a focus sector in view of its immense potential for export growth and generation of employment generation prospects.

Investment opportunities in the leather industry lie in different segments related to the industry, which include tanning and finishing of leather products, manufacturing of leather garments, manufacturing of leather footwear and footwear parts, and manufacturing of leather goods, such as harness and saddlery amongst a host of other opportunities.

Amongst all the industries mentioned above the footwear industry in particular holds greater potential for investments in India. India produces approximately 700 million pairs of leather footwear every year and accounts for an 18% share of the total Indian leather export.

After footwear manufacturing of leather goods promise great investment opportunity. Manufacturing of leather products, such as wallets, travel wares, belts, and handbags offer great returns on investment.

India is one of the best destinations in the world for investing in the leather industry because India is endowed with abundant raw materials required for the industry to grow. India has a huge population of cattle. India accounts for 21% of the worlds cattle and buffalo and 11% of the worlds goat and sheep population. Apart from the easy availability of raw materials, investors are able to enjoy an easy and abundant supply of skilled manpower, world-class technology, competent and favorable environmental standards, and the devoted support of allied industries.

Several leading international leather goods manufacturing brand names, such as Hugo Boss, Tommy Hilfiger, Versace, Guess, and DKNY, have invested in India and are engaged in sourcing leather goods from India.

11.29
13

Debit Card Loans No Credit Check-right Financial Aid Without Credit Checking

by como ·

Many a times, we meet financial crisis due to our limited source of income. Moreover, most of people in UK has fall in trap of bad credit profiles. In order to meet those financial hurdles, it is needed for you to avail extra money to manage your expenses. If you have imperfect credit scores and looking for quick cash help then debit card loans no credit check is commendable for you. This gives you quick loan service to fulfill your immediate finances.

If you are in searching of great financial helps then this debit card loans no credit check is supposed to be a great financial help for you. In UK, the financial market is flooded with various types of loans available with reasonable interest rates. Actually, this is a short-term loan where you can acquire fund that ranges from 100 to 1500 depending upon the value of your debit card. You have flexibility to repay loan within 14-31 days conveniently.

You can utilize the borrowed money in many purposes such as electricity bills, medical bills, grocery fees, exam fees, car repairs and home renovation etc. As the name dictates, you can avail debit card loans no credit check scheme with your adverse credit records.

As it is a collateral-free type of loan, you dont need to worry about any collateral to pledge against these loans. The great advantages of these loans are collateral-free and no credit checking process. Even you can apply loan with comfort of your home via internet.

In order to apply debit card loans no credit check, you need to fulfill some terms and conditions that include you must be a genuine citizen of UK. You must attain above 18 years of age. You should have permanent job with monthly salary of 1000. You should hold a valid bank account. With all these criteria, you are quite flexible to acquire fund without making any hurdles.

The process of application is also done through online mode. Therefore, it takes only 24 hours for the approval of this loan.

11.28
13

Employment Policy Manual In Ontario – Why You Need It

by como ·

An Employment Policy Manual, also referred to as an Employee Manual or Employee Handbook, is a document that clarifies and communicates the issues that relate to the employer/employee relationship. It usually does not address job specific issues.

It presents many of the rules and regulations of the workplace, many of the terms and conditions of employment, and is an important part of the employment contract.

Many of the policies presented in the Manual will be based in legislation and common law. Your policy statements must conform to the laws of your jurisdiction. Keep in mind that you cannot contract out of your obligations under legislation. In some circumstances, you can contract out of obligations under common law.

The Employment Policy Manual must be written in a way that ensures that it is not vulnerable to misinterpretation. It must be written in a way that is understandable by all employees who are impacted by the contents of the Manual. Manuals written in confusing ‘legalese’ will usually be difficult for many employees to understand. I usually suggest that the Manual should be written at a level that is understandable by anyone who is functionally literate in English.

Poorly written policies, which are confusing or open to misinterpretation, can be worse than no policies at all.

Why You Need It

A well-written Employment Policy Manual will clarify many of the expectations within the workplace. It will also minimize your risk of facing expensive litigation, such as a wrongful dismissal or a constructive dismissal lawsuit, by ensuring that your current employment practices conform to current employment-related legislation. It is like an insurance policy.

If you should find yourself facing a judge defending yourself against an employment related lawsuit, the only reasonable defense that will work for you will be based on the documentation that you can provide that clearly shows due diligence on your part. The Employment Policy Manual, along with a clear ‘paper trail’ of disciplinary notes, etc., will be an important part of that due diligence defense.

From the point of view of your employees, both current and prospective, the Employment Policy Manual will clarify much of what is, or will be, expected of them during their employment. It will also clarify and communicate what they can expect of you, their employer. The best employees will be looking for employment with organizations that present their employment practices in a clear and confident manner.

Ideally, the workplace expectations should be clearly communicated before the employment relationship is established. A copy of the Manual should be given to the prospective employee as part of the employment contract.

11.28
13

eGov KE Srinagar Interview – Shankar Agarwal, Additional Secretary, Ministry of Defence, Government

by como ·

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11.18
13

Why Invest In Resort Hotels

by como ·

Resort hotels have of late been a very popular option among the investors. The reason is that such property for investment offers a blend of entertainment and excellent returns on your capital. True that there are other investment options too that offer excellent growth but many of the traditional investment options focus on money solely and not on other avenues.

The advantage with owning a resort as an investment property abroad is that you own an excellent property abroad which can be utilized for holidays and also for earning decent money when you are not using the property.

Resort hotels give you, as a resort owner, the excellent combination of high yield on your capital investment, great looking locations and brilliant facilities on the resort. The Caribbean investments have been doing very well in this respect.

An excellent fact about the resorts is that most of the resorts take a long time to get them established. On an average, such a property for investment is good because the guaranteed period for rental income is 2 to 10 years.

The owner of the resorts can also keep earning from the investment property abroad even after the rental period is over. After the rental period is over, the owner of the property becomes eligible for the room rate scenario. The rooms operate like those in a hotel and the owner of the resort is entitled to as high as 50% to 60% of the room rate.

An advantage with the resort hotels is the promotion and publicity. These resorts typically are aligned or associated with high profile leisure resorts and attract a lot of celebrities. Hence, the more the number of celebrities, the more is your income from the reputation.

As a resort owner, you can also look forward to lots of sops in the form of tax benefits and concessions from the government as the builders of the resorts typically negotiate with the government for tax and other duties concessions. Hence, having an overseas property for investment is indeed a mouth watering option for you.

Having this type of property for investment means that the builder is obliged to pay you an interest till the resort becomes fully operational. This not only ensures a hefty income but also ensures that the builder completes the resort on time. Hence, even if you have done pensions investments and bought one, this is always a good option for you.

Caribbean investments have been the frontrunner, when it comes to owning resorts, because of the exquisite locales. Overseas property for investment, if it happens to be a resort, is always a good option. These resorts of late have also become good options for people doing pensions investments.

11.17
13

Crown Financial Ministry Larry Burkett Program Leads The Path To Financial Freedom And A Total Money Makeover

by como ·

The Crown Financial Ministry was founded in 1976 and is dedicated to equipping people around the world to learn, apply and teach Biblical financial principals. David Newby, author of Why Didnt Anyone Teach Me This? has learned these important financial fundamentals and continues teaching and educating individuals on Larry Burketts program for financial freedom.

These fundamental principals have been taught to more than 50 million people in over 80 nations since Crowns beginning. The Crown Financial Ministry provides a life-transforming message of how to faithfully live by Gods financial principals in all areas of life.

The Crown Financial Ministry is a Bible-based ministry with recognition of Gods ownership of all things as one of its core values. They also believe in the need to pray about everything and have a desire to serve others with excellence while teaching its principals so that all cultures and generations can easily understand.

With the current economic conditions, its never been more important to learn about Christian Stewardship and planning for a total money makeover. David Newby combines the fundamental principals of The Crown Financial Ministry with advanced financial techniques that will create financial security for anyone that is searching for a solution and a total money makeover.

Total spending for an individual or family should not be greater than their total income. If spending is greater, it is necessary to take a strong look at expenses and decrease spending while increasing income. The Crown Financial Ministry provides the direction needed to make changes and secure financial security. David Newby will provide guidance for as long as it takes to make a budget work and walks client through the steps to the security that can be achieved with a total money makeover.

The Crown Financial Ministry provides free tools on their website and helps build a budget which provides the path to debt elimination. David Newby can provide the tools and guidance to help anyone discover the wealth strategies of the ultra-rich and achieve financial freedom in seven years or less. Dreams can come alive as you discover the keys to creating wealth and implement them in your personal finances.

11.16
13

The Fractional Reserve Banking Fraud

by como ·

Fractional reserve banking and the fraud that came with it is at the core of the present-day financial system. In order to grasp an understanding of the ongoing dilemma, and why Federal Reserve Banks are at fault, it is essential to understand the concept of Fractional Reserve Banking and why it is more than just counterfeiting.

Contrary to what is believed, the American dollars in your bank account are not the same dollars in the form of cash (Federal Reserve Notes) in your wallet. The dollars in the banks are make believe paper dollars, or numbers on a computer created by the bank an obligation or promissory note to pay you a certain dollars in Federal Reserve Notes. Simply stated, the bank backs the dollars in your bank account while the Federal Reserve backs the Federal Reserve Notes.

Throughout time, gold was the only existing currency. Purchasing your daily loaf of bread with pure gold did not seem practical and for that reason, goldsmiths served as early bankers. Goldsmiths would issue certificates that were backed by gold and this allowed people to purchase things with paper money. This paper money was represented by pure physical gold bullion and was stored in the goldsmiths vaults.

Producing certificates to look after gold meant that a significant amount of cash (gold) was just sitting around in storage. So the goldsmiths decided to start a fraud. When this happened, they became the bankers we know today.

Creating this fraud was really simple. Given that people did not know how much gold was actually stored, it was easy for goldsmiths to issue out more certificates than the gold being stored. By doing this, they attempted to earn more interest than would have been possible if they would have limited themselves to loan based on the gold stored. These goldsmiths relied on the assumption that not all of the certificates would be cashed in at the same time and therefore nobody would find out.

This is a critical explanation of the fraud that is fractional reserve banking. In the time of goldsmiths, it was easy to distinguish between right and wrong. The promissory notes were backed by the gold in the vaults. The moment the goldsmiths decided to issue notes that were backed by nothing (aside from the supposition that they would have enough gold inventory to pay, assuming not everyone demanded their physical gold at the same time)thus the process of fraud began.

How is it possible that bankers were allowed to get away with something like this? How could no one say anything about the false creation of gold?

Enter the government. Corruption can stem from power, and absolute power corrupts absolutely. So indeed, the government knew the trick of the goldsmiths scam. However, the worlds ruling classes knew it was not convenient to stop it. Instead, they saw it advantageous to perpetuate the scam. Why? Because by taxing and regulating the issue of money, they could keep a system in place where both could profit. This inevitably led to what we know as Fractional Reserve Banking.

If you move forward in time 500 yearsthe US Dollar is the worlds reserve currency and serving like the worlds goldsmith. Privately owned by several mysterious group banks, the Federal Reserve System illustrates the jaded relationship banks and governments have developed in the last 500 years. For some reason, world economies fall in the same trap of the same scam.

The interest rate banks operate under and lend are controlled by the Federal Reserve. In addition, the Federal Reserve controls the fractional reserve ratios banks are required to maintain (as a percentage of their reserves held in Federal Reserve Notes). What does this mean? The money supply and the new money being created are controlled by privately owned company comprised of banks allowed to counterfeit money. There is also the interest charge on those dollars created out of thin air!

For those reasons, I have a nickname for Fractional Reserve Banking: I refer to them as Fictional Reserve Banking. How long will you allow yourself to be fooled by this fraud? Will you take the steps necessary to protect yourself and stay ahead of the crowd?

Here are some suggestions for further reading: It is essential to understand the Fractional Reserve Banking in order to find or create positive banking solutions for your family and future. Solutions like these are the ones author Peter Macfarlane writes about in his blog on offshore banking. Peter also writes several articles on the topic of Wealth Creation for The Q Wealth Report which is a leading quarterly journal dedicated to financial privacy and individual liberty, as well as offshore asset protection. He is also a well-known authority and speaker at offshore living events.

11.7
13

Content Management Script, Content Management System, PHP Content Management System, Readymade Cont

by como ·

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11.6
13

Secured Homeowners Loans – In Case You Thought a Home is Worth Few Dollars

by como ·

Money is like music, if managed well, produces a good symphony.
One wrong note – one wrong decision – it produces a jarring sound. A
homeowner knows what an important investment home is. And he or she
can’t probably go wrong with this kind of investment. If you are
intending to draw money on this investment, it better be a good
decision. And it would be called – secured loans for homeowners.

Secured homeowner loans
are also called mortgages. Their popularity is escalating perpetually.
Homeowner secured loans have always been made available with low
interest rate. Homeowner secured loans are forever bettering their own
record in terms of interest rates. The latest report on homeowners
secured loan tells that homeowner secured loans is offered to homeowners
for as low as 5.1% interest rate.

There is logic behind the low
interest rate on homeowner secured loans. Secured debts require you to
place collateral in attached to them in form of a lien. A lien is a
monetary claim against a property to be fulfilled before repeat
ownership can take place. In other words, it means that the right to
take other person’s property if an obligation is not discharged. In
homeowners secured loan the collateral is your home. The loan lender
will hold the claim for your home until you repay your mortgage. This
implies that in case you don’t make repayments on your loan your
property is liable to confiscation by the loan lender. This is the only
road block in this otherwise smooth ride.

Homeowner secured loans
have various modifications with respect to interest rate and loan term.
Homeowner secured loans is offered to homeowners in the packaging of
fixed, variable, capped, discounted, cash back. Fixed interest rate on
homeowner secured loans implies that the rate of interest would remain
the same throughout the whole loan term. The only drawback is that if
the interest rates fall in the meantime, you would still be paying more
interest rate.

With variable interest rate on secured homeowner
loans, the interest rate would rise and fall according to the loan
market. A variable rate secured homeowner loans is meant for you only if
you can afford an increase in your monthly payments. A capped rate
mortgage is variable rate will not allow the mortgage to go above a
certain limit which is called ‘ceiling’. This homeowner secured loan may
be beneficial in case the interest rates rise.

Discounted rate homeowner loans imply that your
payments are based on discounted rate rate set at a certain level below
the variable rate for a specific period of time. This means that your
payments can fluctuate. Such a homeowner secured loan will permit you
with lower payments in the early years in case you want to set up a new
home. In case the interest rates rise while you are on discount your
payments will increase.

With a cashback, you receive a lump sum or
cash back which depends on the amount of loan you take. This is given
on the time you take out the loan. This connotes that you will have
money when you need it. However, interest rate on this homeowener
secured loan might not be as attracitve. In Tracker homeowner loans the
interest rate is linked to an independet rate such as Bank of England.
The only impediment is that if the independent rate rises your rate of
interest will increase and you will be paying more than variable
interest rate.

With homeowner secured loans, the loan type you
choose will directly effect the amount you pay. According to the
Bankrate.com, one could have 5.1% interest rate on a 30 year homeowner
loan. An adjustable rate mortgage can be started with a 4.47% starter
rate. Finding a good homeowner secured loan lender is also vital. It
ensures your success rate with your loan type. The important thing is to
take advantage of this period. Being indecisive would only make your
loan lender think that perhaps you are not serious about the loan and
wont make the required effort to find the right homeowners secured loan
for you.

What can you use your homeowner secured loan for? The
answer is anything. Homeowner secured loan can fund your home
improvement, car buying, paying of credit card bills, credit card debt
or debt consolidation. The loan amount you can borrow will basically
depend on your financial condition. Poor credit history is least
effective against homeowner secured loans. Therefore, if you have
inpaired credit history, you will still be successful to get a homeowner
secured loan.

However, if you are finally decided to take up a
homeowner secured loan then one advice for you – ‘get ready with the
paperwork’. Your bank and brokerage statement, tax returns and insurance
statement and any other required document should be ready with you.
With online options, just get started. I think You are ready to produce
that good symphony, we contemplated in the beginning. Let us call it
homeowner secured loans.