Avoid Loan Modification Scams with Legal Help

When financial difficulties make you unable to pay your mortgage, you are sure to be looking for a solution to stop losing your home in a foreclosure. In such times, you become susceptible to fraudulent individuals and organizations claiming to save your property through different methods. What you need is a real estate lawyer for help.

When you face such a problem, the reasons may be numerous – a sudden employment loss, death in the family, or any such others. The additional financial burden of mortgage just adds to your difficulties. Here are a few dos and don’ts that could help at such a time.

Do stay away from individuals and organizations that -guarantee’ no foreclosure. There is no such guarantee available. If someone claims to offer you this, in all probability you are walking into a trap.

Do not pay any upfront fees to anyone. If someone calls you or contacts you and asks for a -fee’ to stop your foreclosure, be very wary. No legal professional practicing in Illinois would do this; neither would they ask you to pay without doing anything.

Do keep in touch with your lender or lending institute. Communication with your lender/lending institute is important. Make sure you have a single point of contact. You could also ask your lawyer for guidance in this regard.

Do enquire regarding the programs available. You can contact your lender/lending institute directly to ask if there are any programs for homeowners who cannot pay up. You could also ask your Chicago real estate lawyer about federal and state programs.

Do not sign any document without proper understanding of what it contains. Whether it looks like a legal document or is a deed to transfer the title to your property, never sign anything without consulting a legal practitioner.

Do make a financial plan and keep essential documents ready. If you have no idea about your income and expenditure, you would never be able to work out a loan modification plan. Talk to your lawyer about creating the right plan suitable for you.

Do get help but from the right professionals. You sure need help to deal with this situation, but not from fraudsters. Opt for lawyers specializing in real estate and financial planning to handle this task properly. Check their qualification, certification and experience before you ask them for help.

Awareness is the key to avoiding loan modification frauds. Examine and analyze the resources before you start using them. This way it is possible to avoid shady means and methods for preventing foreclosure.

If you are searching for an Atlanta based criminal lawyer, or divorce lawyer, or the lawyer practicing personal injury, tax, civil rights etc., Atlanta Lawyer is one of the authentic lawyer resource that can show you the way.

Entrepreneur Make It Big in Restaurant Business Is Now Venturing Into Internet Marketing Business

It is always inspiring to hear personal business stories of entrepreneurs who overcame all odds and doubts in venturing into business and make it big. Last Sunday, I just read about how a 35 years old Thai Express Founder Ivan Lee, who started his F & B business with $300K and eventually sold his controlling stake for a sizeable $114 million in the process netting himself $80 million.

What was even more impressive was Ivan had no background or experience in F & B business before he first ventured into his first F & B business. Despite all his doubters, including his family members, about the viability of his business when he first started, he persevered and carried on. Apparently, his father-in-law was also a successful entrepreneur who founded the contract manufacturing firm JIT Holdings and sold it to Fortune 500 company Flextronics for $1 billion in 2000. This deal netted the senior Mr Goh some
$300 million. When starting out, he had benefitted from the financial and advisory support given by his father-in-law, but, subsequently, he went against his father-in-law advise by venturing into other restaurant businesses which were highly successful and are now contributing about two thirds of the business turnovers. An element of luck also play an important part in his business success as he had opened close to 100 stores but about 10 to 20 percent of the stores were not profitable. So he was lucky that his first 10 ventures were successful which provided the cash flow for his subsequent business expansion.

He is now venturing into the internet market in China despite not being in the IT industry. When The Sunday Times journalist contacted him, it found the entrepreneur in Shenzhen, experiencing growing pains all over again. He says that his friends and family are again doubting his new venture. His remark was: “I am a rooke now playing in a much bigger league and I feel like I am nine years back, starting all over again.” This young millionaire is setting his eye on his next big venture where he wants to build the next Baidu (China’s equivalent of Google) or even the next Facebook.

Lesson learnt: To make it big in business you need to be bold, have perseverance and be unique and certainly having financial support from family helps and also an element of luck. He is certainly one hack of a brave entrepreneur!

My advise is learn about internet and social media marketing before plunging into the business and be better prepared for your business venture into the internet marketing world. I am making use of my internet skills to help develop and launch community websites Henley Brunel MBA Alumni (Singapore) and other commercial websites for corporate businesses.

Good luck to all of you out there running your start-up businesses!

Online shopping scenario in india

Online Shopping in India is evolving fast and has the potential to grow exponentially, with the internet penetration growing far and wide. Now a days Indian e-commerce is getting mature. Indians are increasingly seen using the internet to get more information and to shortlist preferences. When it comes to online shopping, Indians are proving that they can surely beat the world. Average middle class Indians are getting more tech-friendly in terms of consumer electronics, changing the way India shops.

The customers can easily compare the prices of any product among different vendors . Online shopping stores put the convenience of shopping at our finger tips. The traditional Indian mindset

about shopping is conservative. Consumers want to touch and feel the product before buying it, and also make sure that they get the best bargain, the best deal. But with modernization and the

ultra fast pace of life today, the scene has changed. The constraint of time is one of the big reasons of the increasing dependencies on Online Shopping .

There are many benefits of buying the products on-line. Wide variety of products are available in portals. People don’t need to go to markets or malls in search of better deals. One can find

everything here and also individuals can shop at anytime of the day. These portals are open 24 hours and 365 days. A person can save lot of their precious time. Buyers can also get lots of

variety and best deals here. They can also compare the product prices and find themselves with a better option.

Online Shopping has been revolutionized by the presence of a large number of Online Shopping Store / Portals in India that offer wide variety of products. And it doesn’t stop with variety, today there are online shopping portals that offer discounted rates, free shipping all over India .

As there are large number of online shopping sites it would become rather impractical to keep track of the various best online deals offered by many online shopping sites in India.

Bestbuy.ind.in is an online shopping site that lists the various hottest and best online deals in India from popular online stores. Bestbuy offers an exclusive one-stop-shop for net-savvy Indian online shoppers. It offers best low price daily deals on various brands and products from popular Indian stores.

For more details visit:

Kimco KEYS Program Provides Opportunity for Aspiring Entrepreneurs Seeking to Launch their First Re

Kimco Realty Corp. (Kimco) announced the launch of another small business through the Kimco Entrepreneurs Year Start (KEYS) program – Carlsbad’s Build-It-Workshops held its grand opening on Friday.

KEYS is a small business incubator program developed by Kimko.

As of Dec. 31, 2012, Kimco owned interests in 896 shopping centers comprising 131 million square feet of leasable space across 44 states, Puerto Rico, Canada, Mexico, and South America. KEYS launched in California, where Kimco owns over 110 shopping centers consisting of over 3,200 stores and 19.3 million square feet of leasable space.

The company says that it is actively seeking startup entrepreneurs and first-time business owners to apply to the program, which currently has over a hundred small shops (2,500 square feet and under) available for KEYS participants, including many pre-built restaurant spaces.

KEYS will place qualified applicants into Kimco shopping centers with one year of free rent and additional benefits such as affordable property charges to minimize initial overhead; access to personal Kimco retail business counselors; a flexible four-year lease option after the first year; as well as access to shop space in established retail centers. In addition, Kimco says that it will provide operational and financial support through the critical startup incubation years to better ensure the success of these first-time business owners.

Kimco has developed relationships with established educational organizations such as SCORE, the California Small Business Development Center, Kauffman FastTrac, and others that offer business resources and networking support.

The KEYS program seeks entrepreneurs who plan to open their first store, restaurant, or other concept (but not franchise companies), who have adequate funding for the venture, a written Business Plan with detailed business goals and who have the ability to articulate their plan for success in an interview. A certificate, endorsement, or letter of completion verifying entrepreneurial classes completed from an SBA sponsored business association, college, university or appropriate training organization is encouraged, but not required.

Continued

Why Online Liquor Stores Are Booming

With the advent of Internet and online trading, getting something delivered at their doorstep has become a convenient and hassle free process for all individuals. Since the world has shrunk and trade and commerce have transcended physical boundaries, many online liquor store have opened on the World Wide Web. These stores deliver a wide variety of alcoholic beverages, ranging from scotches and champagnes to tequila and beer, at the customers’ premises. Such online stores offering liquor home delivery service have become a boon for people who want to send elegant wine gifts to their geographically isolated friends and families on special occasions.

Stores that provide liquor home delivery service option make use of quality packaging material while packing the products to be delivered. These online stores make use of special material, like bubblewrap, to make sure that the liquor bottles do not crack while being loaded and unloaded. Moreover, the efficient packaging ensures that the consignments are not damaged even if the delivery truck meets with an accident. A reliable online liquor store continually make efforts to deliver their customers’ orders within the stipulated time frame, so that the buyers can relish the flavor of their favorite alcoholic beverage as soon as possible.

Placing an order with an online liquor store is quite simple, as the buyers only need to choose the products, provide the delivery address and date and make the payment for a successful purchase. All such websites accept payment through credit and debit cards, as well as other modes, like Pay Pal. Many websites offering liquor home delivery service also render discounts to repeat buyers, thus lowering the overall costs involved in this process. Many repute stores have seasonal discounts and provide special gifts like wine accessories on bulk purchases. This is considerably more convenient than visiting physical stores and loading and unloading the heavy consignments from one place to another.

Most online liquor store have affordable shipping and handling charges, though these can change in case of international delivery location. Usually, people who are engaged in delivering beverages to their friends and family located abroad solicit international delivery options. In such cases, the charges levied by the website offering liquor home delivery service increase according to distance and national excise duties. However, the rates decrease substantially in case of bulk orders and can become quite affordable for one and all. This has led to an exponential increase in the demand of home delivery of liquor in the international market.

Save Money with Small Business Management Software

Small businesses owners often find that there are certain times of the year when cash flow is not as healthy as it could be. This could be due to the fact that the business has seasonal customers, money being spent wastefully or through outmoded business practices. Regardless of the reason as to why money is being lost one thing is for certain good business owners and managers are all looking for a way to save the business money.

One way to save money in a small business is to implement small business management software. Software such as this enables a business with less than 50 employees to be operated via one software application. By being able to switch to one application a small business owner can save thousands every year as all other applications that require a monthly or annual fee to be discontinued.

As soon as they see just what small business management software can do many business owners and managers are keen to start using it. Not only can small business management software save a business money in terms of slashing the number of applications a business has to pay for it also saves money in other ways such as:

Increasing the number of leads that are converted into sales with ease. When using small business management software an employee can create a quote and save this to a customers file. This will contain their contact details and other relevant information. If this quote is not accepted within a certain period of time, this lead can then be chased up by the sales department.

By ensuring that projects are always completed on time a business will not lose customers. With small business management software projects can be assigned and tracked in real time. Managers and owners can quickly and easily check on projects that are nearing their due date in order to ensure that they are progressing as they should be. By utilizing this feature projects should never be behind schedule ever again, which means that money will be saved in the long run through customer retention.

Small business management software also allows employee calendars to be seen by owners and managers at a glance. This means that projects and so on can be planned with regard to staffing numbers. Money is therefore saved by ensuring that all employees are working to capacity and not being diverted to projects which are already fully subscribed.

As small business management software is web based it means that it can be accessed from anywhere in the world that has an internet connection. So if a manager or owner is away from the office on business they can access the application and get any information that they need. This saves business money as laptops and mobile internet is not required when an owner or manager visits potential customers.

These are just a few of the ways in which small business management software can save a business money each month.

Looking for the Ideal Store for Indian Wedding Sarees

If you want to buy Indian wedding sarees from a store which you feel should cater to all your needs, it might be a good idea to look beyond the usual traditional ways. You would most probably think that looking up the favorite shops in your city was the only way to ensure that you have looked through all that is available but that is a thing of the past with the advent of online shopping, particularly with some very credible online stores for buying traditional Indian dresses. You can get from traditional sarees to contemporary salwar kameez online.

Features of the ideal online store

The ideal online store is the one which caters to all the needs of the customers, whether they are looking for some exquisite dresses for the occasion of wearing on a wedding or simply to add to their wardrobe. It would be advisable for you to look out for the most suitable online store for buying the dresses. You should choose that online store that is recommended by the most popular fashion magazines of the country. The fashion designers display their most exquisite products on an online store and the various fashion magazines of the country recommend that particular fashion website. Some of the fashion magazines that recommend a particular online store include Miss Malini, Vogue, Femina and many others. You can get plenty of traditional as well as contemporary Indian dresses from such a store and it would be advisable to browse through all the dresses that the online store has to offer before buying.

Get the most out of the online store In order to make the most of your purchase for the online store, it would be advisable for you to be very particular in making the right choice. Out of the various dresses on display, you should pick the one that is most suitable to your personality. Such dresses that appeal to you only on website but are not likely to look good while you wear them should be avoided. You should have an eye for recognizing the ideal dress for you. From Indian wedding sarees to salwar kameez online, you can get the best dresses for yourself. So, make sure you know what you want to buy and get exactly that but it may not be that bad an idea to browse through all the dresses and see whether you find some of them worth buying.

Indian wedding sarees available from an online store that is recommended by the most popular fashion magazines of the country should be considered ideal for you. Choose wisely after browsing through all the products available online visit

AS9100 Rev C Forming Firm – We are Determined To Turn into The Preferred Supplier Of Project Focuse

Laser Industries, Inc. provides sophisticated Laser Marking, Laser Engraving and Electro-Chemical Etching, using state with the art computer controlled gear with rotary and linear motion systems. Permanent marking and etching is accomplished on flat and radial surfaces on materials like; titanium, stainless, steel and aluminum. Both finished and unfinished materials could be processed.

Positive aspects:

Limitless design capabilities Permanent Programmable and repeatable Superior contrast Zero defects

Aerospace:

Controlled and certified processes for each laser and chemical etching with vision technique verification allows Laser Industries to meet aerospace specifications and requirements for both machine readable and human readable applications.

An efficient high quality management regular is quite crucial to becoming guaranteed that the aerospace firm can meet the wants of clientele along with other stakeholders. Merely could be expressed because the organizational structure, procedures, processes, resources, and decision-making approaches required to implement excellent management.

AS9100 Rev C Forming Company – It truly is considered as a necessity for aerospace organizations to have an AS9100 certification by means of as9100 registrar in order for them to prove to current and probable customers that they are properly implementing. This kind of certification deals with all the needs that aerospace organizations wishing to meet the typical have to fulfill and include things like continual improvement.

Aside from seeking into the eight quality management principles including consumer focus, leadership, involvement of folks, procedure approach, technique strategy to management, continual improvement, factual strategy to decision generating, and mutually useful supplier connection, the AS9100 certification also has added specifications with regards to aerospace regulatory compliance. They are the following: configuration management, design verification, validation and testing processes, approval and assessment of subcontractor performance, solution documentation, and handle of production equipment machine programs.

About the Author:

AS9100 Rev C Forming Company- Laser Industries, Inc., located in Orange, CA, is the premier job shop on the West Coast specializing in precision laser and water jet cutting. With over twenty years in business, Laser Industries has developed a diverse capability in tight tolerance sheet and plate cutting on materials from .001- to 10.0- thick and in precision 5-axis laser trimming and processing of 3-dimensional formed sheet metal details and tubes.

Formation Of Company In Cyprus

Cyprus companies are registered under the Cyprus Companies Law CAP. The Companies Law, which is very similar to the English Companies Act 1948, provides that a register able charge, so far as it confers any security on the companys property or undertaking, is void against the liquidator and any creditor of the company unless the prescribed particulars of the charge together with the instrument creating it are submitted to the Registrar of Companies for filing. There is a 21 day time limit, though late registration is permissible with the leave of the court. Failure to register a charge in time makes the company and its officers liable to a default fine.

Nevertheless, registration is a perfection requirement and not a priority point and thus irrespective of whether the charge is registered or not, the agreement (creating the charge) between the parties will be upheld as a valid agreement.

The effect of non-registration is to avoid the security as against the liquidator and any creditor of the company. Any creditor includes a subsequent registered encumbrance even though he had express notice of the prior unregistered charge when he took his security.

The new law enabling covered bonds in Cyprus is also expected to open up new funding sources, since the lower credit risk covered bonds offer will certainly attract investors. Forming a company in Cyprus is an excellent step. We have very low taxation policies and we are growing year on year and becoming a very strong and vibrant business centre. A brief description of the main activities of the company is required to enable the drafting of the memorandum and articles of association. We are here to help guide you through the Cyprus Company Formation in the most efficient way we can. We have helped with the formation of Cyprus Companys for over 10 years now and work with some of the very best Cyprus Companys that offer this service.

Important to consider is if your Cyprus Offshore Company need to have a bank account, this can also be opened for the Cyprus Company easily, just let us know and we will send a Cyprus Bank Account application form to you as a PDF file, once this is filled, signed and returned to us we will go to the bank and get the account opened. Everything done Online and visit you to have to visit Cyprus.

The amount of registration fees is calculated in accordance with the amount of capital. When there is an increase of capital the fee is calculated according to the difference between the fee payable on the nominal capital of the company and the fee payable on the increased capital.

The formation and registration of the company (including operational matters such as printing the letterheads, setting up of statutory and accounting books, opening of bank accounts, etc) may take up to a maximum of one month. For More information visit on this website: –

Hard Times Ahead For Eu Carbon Investment As Meps Reject Backloading Plan

It seems that for the time being carbon investment in the EU will not get the much needed price support, with a committee of MEPs rejecting plans for propping up the price in the EU’s carbon market. The decision predictably sent prices of carbon allowances down, spiralling to a new record low of below 3 a tonne.

MEPs Reject Backloading Plan

On January 25, BusinessGreen reported that the European Parliament’s Industry, Research and Energy (ITRE) committee voted against a proposal by the European Commission to withhold permits from the market before reintroducing them at a later date. The process, known as backloading, was intended to remove part of the oversupply of EU carbon allowances (EUAs) in the EU Emissions Trading System (EU ETS).

Carbon Price Hits a Fresh Low

Although the vote is just one of the steps in a process which could still see the backloading plan implemented, the result sent the trading price of EUAs to a record low of 2.81 a tonne. BusinessGreen quoted Miles Austin, executive director of the Climate Markets and Investment Association, as saying that without the backloading it was difficult to see how the EU ETS would remain relevant for future climate policy. It will be driving little significant change, certainly not at the scale needed for Europe to promote a low-carbon economy and remain internationally competitive, Mr Austin added.

Analysts have estimated that the price of EUAs needs to be approximately ten times higher to drive low carbon investment on a large-scale.

Wake-Up Call

On January 24, Reuters quoted the EUs Climate Commissioner Connie Hedegaard as saying that the carbon price fall to less than 3 should serve as a wake-up call to EU Member States to back the Commissions backloading plan. It must be clear to all that when the Commission warned that the ETS price could drop dramatically it was not a false warning but a real possibility, Ms Hedegaard was quoted as saying.

Indeed,carbon investment prospects in the EU seem grim at present, with Reuters reporting that following the parliamentary vote SocieteGenerale cut its forecasts for average EUAs carbon prices from 2013 to 2015 by around 30 percent. Negative news and events relating to the EU ETS continue to pile up and come from all sides, the bank said. The EU ETS has become a one-way market, spiralling down.