Iraqi Dinar A Good Investment Option

images19

Iraq has third largest oil reserve in the world and the Iraqi dinar is considered as a good investment option owing to an increase in oil production. The popularity of this currency has increased considerably over time. Many people prefer to buy dinar online.

Oil trading being the main asset of Iraq, it attracts a lot of investment from foreign countries every year. Oil trade has helped a great deal in developing the economic conditions of the country and many private investors are purchasing Iraqi dinar as investment. It is estimated that once the government there reach stability, the investors will make huge profits.

If you are planning to make an investment in the Iraqi currency, there are a few steps to follow:

– Do a proper research before investing and gain a good knowledge about new and old Iraqi dinar.

– There are good chances to get scammed in such an investment. Gather information about the anti counterfeiting measures of the foreign currency.

– It is very important to find an authentic dealer or else you may lose your money. The best way to buy is contacting your local bank. If they sell foreign currency, then that is the safest option. Another place to buy currency is online. It is not only fast but easy too. A good dealer will provide you with all the details and the information related to buying and the risk involved. You can easily browse online and contact a number of dealers.

Finding a credible and trustworthy dealer is a very important thing. You must write down all the doubts you have in mind and ask questions before finalizing the dealer. You can enquire from the dealer about their ratings with the Better Business bureau to check their credibility. Look for a dealer who has been in business for over 4 years. Also check with them the certificates of authenticity to see if the dinars are real. You should also see a copy of US treasury registration. Dont trust everything that a dealer has to say to you without verifying the facts.

You should also keep in mind that the return on any foreign currency is not guaranteed. Your profit will depend on a number of market factors. A lot of people have got good returns by investing in this currency over the years.

Be sure to do proper homework and take some advice from the experts before making any investment.

Jason Grill – Attorney, Advocate and Consultant for Entrepreneurs and Startups

images9

Jason Grill connects entrepreneurs, startups, mobile, technology and small to medium size business with the right exposure, resources and connections. Jason Grill owns JGrill Media which is a strategic consulting firm that focuses on media relations, public affairs, public relations, public strategies, professional branding, content marketing, publicity, government relations, contributing and commentating.

Jason Grill connects individuals, entrepreneurs, startups, small to large businesses, cities, communities, political figures/entities, policy makers, CEO’s/C-suite executives, founders, organizations, associations and nonprofits with the media outlets (tv, radio, online, print) on a local and national level to get the exposure they deserve to grow their brand. JGrill Media gets individuals and businesses published in reputable online publications that reach their target markets. JGrill Media specializes in building credibility through thought leadership and content marketing. Jason Grill helps build a professional brand by getting bylined articles published in national online publications and identifying and helping clients get awards and on lists that will gain them authority in their industry. By getting bylined articles and interviews published and winning the best awards, JGrill Media helps take a professional brand to the next level. By building up this brand, JGrill Media helps establish you as a credible, authority in your industry, thus bringing you or your company more business.

Jason Grill, in his legal and attorney work, helps clients with wrongful death and personal injury claims, civil and business litigations, vehicular accidents, traffic and speeding related offenses, bankruptcy, medical malpractices, guardianship (related to Autism, special needs, and down syndrome), employment and contract related issues, nursing home negligence, trusts and wills, real estate, and economic development cases, etc. He is not only registered with Missouri Bar Association but also associated with the Kansas Bar Association and is providing his valuable services as an attorney in the Kansas City area.

Jason is an avid fan of Missouri Tigers, Kansas City Chiefs, Sporting KC, Liverpool and the Kansas City Royals. He represented Kansas City in Missouri House of Representatives, and made a remarkable contribution by getting landmark legislation passed to help families of children with autism. Jason Grill played a significant role as philanthropy chairman in the Sigma Chi Fraternity, and collected funds for Children’s Miracle Network. While in college, he conducted community service for many organizations that include Big Brothers Big Sisters of America, St. Louis inner-city mentorship programs, etc. While pursuing his BS at St. Louis University, he connected himself with the Omicron Delta Epsilon and various other societies such as Beta Gamma Sigma Business Honor Society, National Deans List Honors Society, the Phi Alpha Delta Pre Law Fraternity, the Golden Key National Honor Society, Economics Honor Society, and he mentored for the Oriflamme organization.

Commercial Mortgage Modification

images12

In todays crumbling, commercial real estate market, both borrowers and lenders find themselves in quite a precarious predicament. Borrowers struggle to make their commercial mortgage payments, while lenders are crippled by the increasing number of defaults on commercial property. Right now the best solution to this problem is commercial mortgage modification.

Commercial mortgage modification is the process of renegotiating the terms of a commercial loan. This is done typically by reducing the interest rate or monthly payment on the loan. Other benefits to the borrower may include an extension of the loan term, a forbearance or moratorium on payments, and of course an alternative to foreclosure.

A commercial mortgage modification is about risk to the lender. A lender will only consider a modification if a borrower is in default or at risk of defaulting. The most important thing the lender will look at in determining whether or not to modify a commercial note is cash flow. One very important calculation used in determining cash flow is called the DCR or Debt Coverage Ratio. This ratio is used by the underwriters to determine if a modification can be approved. If a property is breaking even, meaning the income generated is equal to the operating expenses, the DCR would be equal to 1. If commercial property has a positive cash flow, meaning the income the property generates is more than sufficient to cover the mortgage payment and all of the operating expenses, the DCR is greater than 1. If the property is losing money, the DCR would be less than 1. A lender will most likely not modify the commercial note, if the property already has a DCR greater than 1. Commercial lenders writing new commercial loans will most likely require a DCR of 1.25 or greater.

The most common form of payment reduction seen in a commercial mortgage modification is when the lender converts a principal and interest payment to an interest only payment. A lender may consider this form of commercial loan modification to help the borrower improve their cash flow. By only paying the interest on the loan, as opposed to principal and interest, the payment becomes more affordable for the borrower.

However, in extreme circumstances, reducing the mortgage payment to interest only is just not enough for a commercial property owner. If a lender sees that the borrower will still have negative cash flow even after reducing the payment to interest only, they may consider a reduction in the interest rate. Although the interest rate reduction may be temporary, it will help the borrower free up capital and maintain the mortgage payment on time. Although uncommon, lenders have lowered interest rates to as low as 1% even, to avoid an even more costly foreclosure.

Send the perfect Diwali SMS online saving your money

images11

Do you wish to make some extra special for this Diwali? Well, then you can try to send Diwali wishes to all your close friends and relatives without having to spend any money from your pocket. This is made possible by the different service provider but it is you who need to make sure that good attempts are made to get the genuine one for you without any problem at all. Therefore, it is your choice that is important to know whether you can send Diwali SMS online. If you take the right steps then it would make you send Diwali messages online to all your friends. It can also help to save your money and your mobile bills will gradually decrease. Therefore when you try to send free Diwali SMS, it is important to make sure that the terms and conditions are known to you in order to remain assured that you are quite knowledgeable. If you do not get the right source then it would only lead you to lose your valuable time.

Get delivery reports online It is possible to get all the delivery reports of the various free Diwali SMS that you have sent. It is also made possible to send the same customized Diwali messages to more than one person at a time without having to type again and again. So this also saves a lot of your time which makes you feel glad for being able to get the right one online. If you try to get hold of the right service provider, it is important to know whether it provides unlimited service so that you can send free Diwali wishes without any sort of problem. So, you have to know how to choose the best site for you that would lead to get lots of important facilities without using your mobile phone at all. When you send free Diwali SMS, it is important to make sure that your messages are getting delivered to the right person without any problem.

Know how to choose the best one It is important to have a good idea whether you would be able to get the perfect site to send free Diwali SMS online with accurate delivery report. By getting the delivery report, it also makes the recipient to feel very special to get it from you. Thus good attempts have to be made to know how it would be possible to choose a genuine source helping you to send Diwali SMS for free online. No matter whether you are in office or home, it just needs a laptop or computer with a good Internet connection thereby helping to send free Diwali SMS without any sort of worries at all.

The Federal Trade Commission has finalized a policy statement clarifying that the agency will not

images12

The Federal Trade Commission has finalized a policy statement clarifying that the agency will not take enforcement action under the Fair Debt Collection Practices Act (FDCPA) or the FTC Act against companies that are attempting to collect the debts of deceased consumers, if the companies communicate with someone who is authorized to pay debts from the estate of the deceased.

The policy statement also emphasizes that debt collectors may not mislead relatives to believe that they are personally liable for a deceased consumer’s debts, or use other deceptive or abusive tactics. Family members typically are not obligated to pay the debts of a deceased relative from their own assets. The FDCPA limits whom debt collectors may contact after a loved one has died to people such as the deceased person’s spouse and the executor or administrator of the deceased person’s estate.

Since the FDCPA was enacted in 1977, state probate laws have changed, and now, less formal procedures often govern the appointment or selection of those who are responsible for the disposition of the estate. In many instances, there may be no formal executor or administrator of an estate. In the enforcement policy statement issued today, the Commission seeks to reconcile the FDCPA’s requirements with current trends in state probate law.

In keeping with the FTC’s October 2010 proposed policy statement the final policy statement specifies that the agency will not take law enforcement action under the FDCPA if a debt collector communicates about a deceased person’s debts with that person’s spouse, the executor or administrator of the deceased person’s estate, or anyone else who is authorized to pay the debts from assets in the estate. The final policy statement also: Describes how debt collectors may communicate with family members and others to locate someone who is authorized to pay the deceased person’s debts from the estate, and specifies that collectors may not mislead individuals into believing that they have the authority to pay the decedent’s debts when they do not. Specifies that, in seeking to locate someone who is authorized to pay the deceased person’s debts from the estate, collectors may not reveal or refer to the debts, but may say they wish to discuss payment of the deceased person’s bills. States that in keeping with the FDCPA’s prohibition on unfair, deceptive, or abusive collection practices, debt collectors may not contact family members and others at unusual or inconvenient times or places. Emphasizes that, in communicating with someone who is authorized to pay the debts from assets of the deceased person’s estate, collectors must avoid creating the misleading impression that the individual is personally liable or could be required to pay using his or her own assets, or assets held jointly with the deceased person.

Is A Car Wash Franchise A ‘cash Flow’ Machine

images13

The best answer to that question about a car wash franchise depends on your comfort level with taking risks. Every business has risks involved and car wash franchises are no different, however they do offer a unique opportunity in a cash business.

There are a few things you must consider before diving into the car wash franchise industry. The first decision is to decide what type of car wash franchise system you want to own. You have the option of a fully automated system that does all the work for you or you can choose to have a partially automated system that will require employees to finish the work. At first glance the fully automated one seems like the most logical choice but having more running equipment can mean more expensive things that break down and need fixing. Don’t forget that if your machines are down, cars aren’t getting washed and no money is coming in.

Choosing the right location for a car wash franchise is practically the most important thing you can do, and I’m talking more about cities than specific locations. Seattle rains about 300 days per year and people aren’t really interested in washing their cars there. On the flip side, sunny southern california barely has rain and people in socal really want to keep their car looking clean.

In talking about cash flow for a car wash franchise, one immediate hurdle is the initial franchise start up fee which ranges anywhere from $1,000 to $100,000. Typically they are in the $20,000 – $30,000 range. Some franchise fees are even non-refundable even if you decide to not buy the franchise. Make sure you find that out before you put any money down.

Another major cost of owning a car wash franchise is the royalty payments. They typically range from 3% – 6% of gross sales, not net profits. Some franchises have minimum monthly revenues no matter what happens in your business. So if you have some slow times or it rains 14 straight weekends in a row, you still gotta pay the minimum requirements.

Don’t forget that other typical car wash franchise expenses include equipment, signs, working capital, advertising fees, etc. Equipment could be anything from chemicals to car accessories to cash registers.

Bottom line is that owning a car wash franchise for cash flow is a proven business system as long as all factors are taken into consideration and smart business choices are made.

Profit From A Preschool Franchise Business

images6

Kindergartens and preschools have become extremely popular. In bigger cities you will see big preschool franchises as well as smaller start ups. So if you are thinking of starting your own preschool, here are few things to keep in mind and why you should opt for a preschool franchise. To begin with lets look at some statistics. The preschool industry in India is estimated to gross about Rs 4,004 crore. The sector is likely to cross Rs13, 821 crore by 2012, a growth of more than 28% per year, according to estimates from brokerage firm CLSA Asia-Pacific Markets.

With over 40% of learning taking place from the 1 to 4 age group preschools have become imperative. Parents want quality preschools for their children and are willing to go that extra bit for their children. Rest assured if you opt for a preschool franchise and are a good task master you are bound reap profits in the near future.
Opting for a preschool franchise makes setting up a lot easier for you. You have to adhere to certain pre requisites and guidelines which enable you to be focused and do things in a streamlined fashion.

A preschool franchise comes with a reputation. It already built a name for itself, developed its own education system and done its fair share of branding activities and advertising. Parents will always trust an established over a smaller start up.
A preschool franchise caters to parents who have moved to new cities. Sending their children to same school as they did before is a comforting element for all parents. With the education system being the same it helps children adapt faster.

A preschool franchise works on a profit sharing model. Therefore some franchises will go that extra mile to make sure you do well, so they do well! This means extra guidance and support for you.
The different preschool chains in India are Roots to Wings, EuroKids, Kidzee, Shemroack schools, Bachpan just to name a few. The royalty and investment depends entirely on location. A preschool franchise can cost anywhere from 3 to 15 lakhs and the fees can be anywhere from 8,000 to 40,000 per annum. The need for preschools in India is only going to grow making it an extremely profitable venture.

Pnc Bank Online Banking

images1

The PNC Bank Online Banking service is offered by PNC Bank to its customers and account holders. This service enables the banks clients:

To access their accounts from any where in the world.
Perform various functions over the net itself, saving on time.

Features of PNC Bank Online Banking
PNC Bank Online Banking service is available for the banks customers free of cost. Following are the distinctive features of this service:

Account Summary: You can remain in touch with your finances by obtaining a summary of your PNC personal, business and investment accounts through this service.
Account Activity: You can access your accounts round the clock. You can check balances, review recent transactions and view images of the checks you have submitted.
Online Bill Pay: You can save time and money by paying your bills through this service. Online bill payment requires just a few minutes of your time, with you using just one simple screen to place your instructions. This service gives you the flexibility to decide how much you want to pay for each bill.
Online Statements: You can contribute on saving paper. You can use the PNC Bank Online Banking service to receive and view your statements online. You can also print or download statements for up to last 36 months.
Transfer Funds: Through this service, you can move your money to where you need it. You can either transfer funds between your PNC Bank accounts or between your PNC account and your accounts at other financial institutions.
AutoAlerts: You can use this facility to remain informed about every critical event related to your accounts and bills. This service can send you e-mail notifications to alert you about key account activity such as low balances, the arrival of direct deposits or overdrafts on your account.
Data Export: This facility in the PNC Bank Online Banking service enables you to download account activity in Excel, Microsoft Money or Quicken file formats in just a few clicks.

Comparing Workable Ways Of No Bank Account

images19

Across the financial field, the diminishing teller roles are being linked to brand-new tech, that makes it possible for customers to carry out on their intelligent cell phones plus personal computers a great deal of what they as soon as did at limbs. That, bankers state, try major to a lesser amount of clients going to teller lines, which creates significantly less demand for tellers.
Whenever initially searching at RBC online banking , it is actually difficult to overlook its convenience. With online banking , it’s possible to gain access to your account anytime at their ease, maybe not the bank’s. These deals cost less than really setting foot inside the financial institution! With online banking , you become able to pay bills, check your account balances, plus transfer revenue without the trouble (or fees) of likely to the local branch. Search for no cost websites finance companies. Examine the best attract prices available online. When your do a good investigation, you’re going to be able to fast develop conclusions.

The topic of Best International Bank Account is continuously dynamic, and right now incorporates suggestions researched on webpages for example open bank account online – be sure you have an understanding of some of the the benefits.

Comparing Workable Ways Of No Bank Account

Enjoy of overcoming financial situation in the United States Of America. you economy has been influenced by financial difficulties many circumstances. One of these made an appearance throughout the duration of huge anxiety of 1929-1933. Thousand of lender deposits were devaluated as a result of ineffective operations of the banking companies, equally not coming back of the granted loans plus complete destruction on the economy. These people closed lots of financial institutions and given confiscation of thousands of objects due to not returning of debts. US congress passed laws about beginning federal companies insuring deposits plus furthermore those insuring financial loans and benefit. This method happens to be employed properly throughout various ages.
It’s so easy. Need certain kind of exchange with your own financial? Just take out your mobile device’smartphone, pill, any, on any operating system’and you’ll have actually a wealth of apps to see it done. You’ll become reminders when we need to do it again, or set it up to do it automatically. It’s very simple, absolutely. FBR analyst Paul Miller rates First Republic “outperform,” with a $48 price target. In a note to clients following the earnings announcement, Miller wrote “based about the company’s existing meaningful excess capital plus croMS-selling capabilities,” he expects the jumbo mortgage specialist “to execute its growth approach successfully inside the coming quarters.”

Small Business Marketing Track Your Results And Save Money

images6

Marketing is the keyword which makes businesses run, no matter what their running capital is. From huge energy companies to companies who sell sports goods, you always require a good marketing tool or a help to get your job done. Small business marketing is a tricky area and if the marketing is not proper, it can even kill your business.

This is where Ad trackers come to bail out and rescue small businesses. Advertising a small business with an Ad tracker helps you monitor your online advertising expenditure against your actual earnings and revenues from the website, in real time. This way you can know which ads produce results for you and which do not and hence choose ads accordingly.

This will undoubtedly help you market your small business in a better way by attracting the right traffic to your website. Let us see the other attractive ways by which you can market your small business for FREE.

Online free video sharing sites like YouTube.

Create a Jingle!

Use the jingle as your caller tune!

Ad tracking = Affiliate Marketing

Undoubtedly, a lot of money can be made from affiliate marketing, more precisely Ad tracking. People are making money and the very fact that they are making money by launching not-so-useful sites must wake you up and get running to get affiliate marketing tools to your benefit.

The catch lies in how smartly you choose your ads. For example, the most incentive oriented affiliate product might not bring in good revenues! It depends on the relevance of the product with your small business and also how the ad is being displayed on the site. It is not hard to imagine that flashy sites with some relevance will get clicked on first than those ad links which are in words only.

If you can use Ad trackers, you will benefit from the software and get more worth and return for your vested business. This can be found from a service provider with some monthly fees or can be purchased with a 2-3 year license or as the product comes with. The best part is that they keep their algorithms updated by synchronizing with their main server and thereby giving you the best results. This is handy tool to organize your small business especially if youre hosting advertisements for multiple affiliate products.

There are other ways to run a business than to just run it on pure gut feeling or intuitions. You may get lucky once, twice or even thrice, but will not be able to sustain a long run. Planning is therefore of prime importance and small business marketing with advertisement trackers can help you achieve the optimum.