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Credit Card Debt – How To Pay Off Your

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In these times, almost everyone has credit cards, but paying them can be quite a headache. While some of us wish that they’ll just disappear, most of us wish that the credit card companies would simply forget us.

Here are seven suggestions to help you on how to pay off your credit card debt:

1. Gather all your credit cards.

2. Arrange them in order from highest interest rates to lowest interest rates. Or you can just simply put them in order from the ones that you have to pay more on, to the ones that you have to pay less on. Let the highest debt that you have be your top priority to get out of your debt fast.

3. Make a budget for paying them off. It doesn’t matter if your budget is big or small. The important thing is you pay them off before the due date. Also keep in mind that while you’re doing this, you should only buy the necessities.

4. You can hide the cards you have with the highest payments. This is a way to avoid the same payment problems again and again.

5. Keep doing this until you have paid off all your debts. It may take some time, depending on your debt, but “determination” is the key to how to pay off your debt.

6. If you can get a bank loan with a lower interest rate, you can use this to pay off the credit cards. However, make sure that you don’t just use the loan to pay the monthly payments as this will only make the problem worse and won’t help towards a solution.

7. When you have paid off your credit card debts, I would suggest hiding, getting rid of them or cutting up the credit cards that have the highest interest rates. This is, of course, unless you can pay them before the due date. You could even call the credit card company and ask them if they can lower the interest rate.

Other great tips on how to pay off your debts:

While that little magic plastic thing can help us buy things, always remember that at the end of the day we have to pay for it. Being responsible on how to use them is one of the most important things that you can keep in mind. Remember the old rule: “Buy only the things that you need, not the things that you want.” And before you buy something, even if it is expensive or cheap, think first if you can pay the credit card before the due date of the card. If you are the original credit card holder and you have another person on it, remind them to use the credit card as little as possible. Having two cards may be a good idea, but it’s not the best idea. The other person may have a tendency to buy things that aren’t necessary. You can always ask for help from your family members or friends for advice on debt relief solutions.

Also try and look for the best deals or sales, even on your basic necessities. Know where you can get the best deals. If you know sale cycles you have a better chance of shopping on sales. Use loyalty cards and coupons. But this should only be on items you really buy.

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Source by Aiden Caleb

Mobile Development Makes Your Phone

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The cell phones have been effectively acknowledged as a gadget which is proficient to perform more than making voice calls. The number of pleasurable and appealing functionalities has gotten huge progressions the field of mobiles. With the help of mobile phones apart from making voice calls, you can also send text messages, click photos, chat with friends, make video calls, share links, exchange documents, send email, book your movie show and much more, as a matter of fact you can do almost everything with your phone. This achievement has been conceivable by commencing more current and better applications for the end-clients.

The main important change was brought by Apple by bringing in the iPhone in the mobile industry. It was a huge hit and made its own particular special market in the mobile world. From there on, it was no looking back in the field of cell phones and offered ascent to different gadgets, for example, Android, Blackberry based phones.

Considerably after accessibility of a long list of applications harmonious with one or more devices, the mobile industry is prepared with open arms to acknowledge new, inventive and attractive applications for their specific specialty. In such scenario, the mobile development service providers are putting forth mobile applications development services to add more usefulness to a hand-held device.

The mobile services have abridged the distance between individuals and have greatly improved the way of communication than some time recently. As mobiles have turned into an indispensable part of our everyday need, the across-the-board range of cell phones are coming in the mobile industry. Subsequently, the extent of presenting new applications has likewise grown. This has changed a usual cell phone into a Smartphone which is giving extreme contention to each other. A few of the commonest mobile applications are hotels, climate, new, travel, games, education and so forth.

The mobile development organizations hire a team of mobile developers who are competitive in bringing results from easy to intricate applications. They comprehend the business patterns and are ready to handle snags and difficulties to create a solution that can suffice the necessities of most of the clients.

In the event that you have a phenomenal concept to create a new application for a cell phone, you must engage the services of mobile application engineers to turn it into reality. They will think about the business, design a layout, develop a solution and eventually perform careful testing to guarantee the bugs-free solution for the future customers. You can either decide to introduce it in application stores or in other mobile programming distribution system. The clients can download the favored applications onto their mobile phone and can make the best utilization of the applications in their everyday life.

Mobile development professionals to alleviate all forms of intricacies have to ascertain proper testing on each and every platform. Some business organization increases development resource by laying down stability in native user-interaction with backend platform. In such situation, a mobile app can run as a web application interface in an effective manner.

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Source by Jasmeen Kaur

Stop Paying Credit Card Debt and Stop

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Every month thousands of Americans are forced to stop paying credit card debt simply because they are out of money. Half a million people in the US lose their jobs every month due to the deepening depression and it becomes a choice of food and shelter or make a credit card payment.

If you can’t pay credit card debt, then what are you to do? First, you must completely change your thinking from “traditional economy” to “depression era” survival mode. Once upon a time, you had great credit, paid your bills on time and planned to live happily ever after.

Then the “big bad” economic depression formed and the sky began falling, raining pink slips down upon millions of people. Uncle Sam saw what was happening and with his infinite wisdom, he began the biggest “bailout” of banks and large corporations in the history of the world.

Your life changed from a fairy tale to a full-blown horror classic in a matter of months and now you’re being chased by a credit card monster that is determined to eat you alive! Next month this scenario will repeat itself as another half a million people become unemployed.

The good thing is, the credit card monster can’t eat us all. Some people will adapt to the debt collectors strategies and emerge to live a debt free life. Who are the survivors? You might call them the “action figures”, the people who take action and defend themselves against collectors

As you begin to change your thinking about your credit-card-debt situation, you will need to realize that it was not you who caused the economic meltdown, it was the banking system. Further, you must know that after you stop paying credit card debt, the bank “wrote off” your debt and moved on.

After about six months of nonpayment, the bank sells your “debt” to debt collection companies and that is “the end “of the story for the credit card company. From that point on your account never existed with the original credit card company.

The debt collector paid a few cents on the dollar for your account information and he will now use your “moral obligation” traditional thinking to scare you into paying him instead of the original credit card company. The original credit card company will not receive a penny from the debt collector should you choose to give him any money.

The debt collector took a big risk when he purchased your account. His thinking is that he can scare you into paying him and reap a huge profit from you. He will use every legal means available to collect money from you, and many collectors will use “illegal” tactics to extort your money.

Most people don’t know that they too have an arsenal of completely legal tactics to use against debt collectors. Once you show the debt collector that you have absolutely no fear of him, he will quickly move on to those who are sticking their head in the sand hoping he will go away.

You can easily make the sky fall on the debt collectors head by dropping bits and pieces of the Fair Debt Collection Practices Act on his head one piece at a time and he’ll quickly move onto the less knowledgeable, easy prey.

Arm yourself with knowledge and don’t be a “cowardly lion”. Follow the yellow brick road laid out for you by the Fair Debt Collection Practices Act and you can successfully end your credit card nightmare.

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Source by Phillip Emerson

Mobile Phones – Indispensable And Awesome

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Advancement in the technology has brought great innovations to the human life. There has been immense metamorphosis in the way human beings live their lives. Enhanced lifestyles and progressive inventions have bestowed the mankind with more comfort and luxury. Now we have advanced gadgets with which we can simply enjoy great convenience in our lives. The things which were only an imagination few years back have now turned into reality.

The technology blossoms in the world of sophistication and advanced sciences. One such innovation of technology that has influentially penetrated the human lives is the mobile phones. These gadgets have transformed the way people interact with each other. They have revolutionized our lives in tremendous manner. Earlier we used the conventional land line phones to communicate with our family members. Then these advanced gadgets were introduced which entirely changed the way we talk with others. This novel concept really appealed to the people, however initially these phones were not too advanced and they had less features. With time there has been tremendous enhancement in the arena of these phones.

These days mobile phones have become highly advanced and they have immense facilities that can simply exhilarate the user. Now the users can communicate with their peers and family members no matter where they are. The new age phones feature advanced applications with which the users can get great ease in communication. These gadgets are equipped with advanced camera with which high quality images can be shot. The cameras have finest quality lenses and great precision. These cameras are supported with the other advanced functionality like digital zoom, auto focus. The advanced phones feature amazing applications for editing images and adding finishing touches to the photographs. You may also find great facilities like video streaming and video conferencing in the handsets.

Gone are the days when phones were only used for talking; now they can also be used for surfing the internet. These gadgets are equipped with advanced technologies like GPRS, EDGE, 3G etc with which the reliable and fast speed internet connectivity can be achieved on these device without any hassle. This has bestowed the users with ease of checking their important emails, creating their blogs etc. These handsets have advanced Bluetooth connectivity with which the users can easily connect to other devices and have hassle free data transfer. This innovative technology has made mobile phones more efficient linke Nokia N95. These gadgets are loaded with immense capabilities to entertain the users.

These gadgets are endowed with highly efficient and robust music players with which the users can enjoy the music everywhere. The music players have support for a variety of file formats. Users can create play list of their favourite songs and listen to the tracks with amazing sound quality. The handsets also feature multimedia messages, video playback, advanced polyphonicMP3 ringtones and FM radio etc.

As the trend of smart phones is gaining pace more and more Mobile Phones manufacturers are coming with advanced phones that are similar to mini computers. These devices have efficient applications for document editing. They also feature QWERTY keypads with which the users can easily type email messages.

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Source by Morton Devi

Best Credit Card Offers Online

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Credit cards are categorized based on various factors, such as cards offering reward programs, cards with good interest rates, low balance transfer rates, or low annual percentage rates, cards for those with limited credit, and specialty cards (cards that offer special features and benefits). Depending on the category and type of card, deals differ, as many credit card-issuing firms offer special deals for special categories. Also, the best deals differ from time to time, as the value of currency is not constant. A few of the best credit card offers that are on as of now are mentioned below:

 

The Citi Platinum Select Master Card offers 0% introductory Annual Percentage Rate(APR) on balance transfers for 21 months and 0% introductory APR on purchases for 12 months. After that, the APR will be 11.99% – 19.99% based upon the card holder’s creditworthiness. This APR will vary with the market based on the Prime Rate. Also offered with this credit card is extra cash from Citi – that enables the holder to enjoy discounts on gift cards, travel, merchandise and more. Citi Identity Theft Solutions, that covers secure, free online account management with no annual fee, is an added bonus.

 

The Chase Freedom Visa Card offers the holder a chance to earn a $100 cash back bonus, if the holder makes $799 in purchases in the first three months after the issue of the card. Also, 5% cash back in quarterly bonus categories like gas, home improvement and department stores, subject to a quarterly maximum is applicable. Plus, signing up for this card is free and easy! This is one of the best credit card offers available. Another part of the offer is unlimited 1% Cash Back on all other purchases, with no spending tiers, and up to 20% cash back on online shopping purchases at select merchants through Chase.

 

The Capital One Platinum Prestige Card offers 0% introductory APR until September 2011 on balance transfers that are processed in as little as 48 hours. Additionally, there is 0% intro APR until September 2011 on all purchases. Another bonus is the $0 Fraud Liability if the card is lost or stolen. 24 hour travel and emergency assistance gives the holder a replacement card and cash advance without hassles. 24 hour roadside assistance and travel accident insurance are provided by default. Also, there is no annual fee. This card thus is a strong contender for being among the best credit card offers on the market, today.

 

The Orchard Bank Classic Master Card offers an excellent credit card for rebuilding credit scores, and reports to 3 major credit bureaus monthly! The Orchard Bank Classic Master Card is accepted at millions of locations worldwide, including website purchases and reservations. The account information of the holder is updated daily and is available to the holder any time round the clock for easy management. Additionally, email and text messages are sent to the holder to remind them about upcoming payment due dates if the customer has online enrollment. The customer service is great with on-call customer service representatives to assist with questions or concerns. Whether the card being offered is a secured one or an unsecured one will be disclosed before the application is processed, thereby ensuring 100% transparency and avoiding hassles.

 

The Discover Student More Card offers a 5% cash back bonus in categories like travel, department stores, gas, groceries, restaurants, and more, which means extra money for the student holder. Also, 5% to 20% cash back bonuses at their exclusive online shopping mall is provided for free. Additionally, up to 1% unlimited cash back bonuses on everything else bought by the student, from textbooks to toothpaste, is automatically received. The introductory APR is 0%, for six months, and there is no annual fee. The Discover Student More Card is one of the best credit card offers for students.

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Source by Art Taylor

Buy Mobile Phones – For a Stylish Life

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Cell phones revolution is on. Everyday, we see launch of latest mobile phones with more advance features. This is the only industry which has grown up in recession time as well, and it is the leading industry of gadgets. Due to the high competition in market, consumers get best price, products and services. This electronic device is being used everywhere from business to personal life. Consumers buy mobile phones to make the communication process more effective. Even companies have started to provide free cell phones to employees in order to make better coordination and achieve desirable result or outcome.

Users get number of options in this competitive world to buy mobile phones. Brands like Nokia, Motorola, Sony, HTC, Apple, LG, and Blackberry are big names of gadgets industry. It is advisable to choose the handset as per your requirements and budget. If you really need a latest cell phone but you can not afford it, then cheap mobile phones can help you to avail one. Many mobile deals are available in market that provides number of options to every age and social group. Users can find latest functions in every cell phone like, Bluetooth, web browsing, GSM roaming, color screen, music player, video games, office tools, conference and many more.

Various network providers offer numerous mobile deals for example, contract phones, pay as you go, SIM free, 12 month free line rental and many more. People can buy mobile phones with any affordable deals. These deals contain free gifts as well. Online mobile phone shops are heaven for shopping of gadgets. They not only offer products and services, but also provide the information about upcoming products and deals. You can place the order any time without spending any money for delivery charges

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Source by Stella Harvey Jones

Cash Against Credit Card in Mumbai

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Hello CC holders,

Easy steps are being done over there to induce your cash at any time. Not only simple swipes are being done, also with less tax deductions at the time when you are in need of money. When obtaining cash there are several simple ways that of repaying wherever you’ve got to repay the money at correct period of time. In order that whenever there’s want of cash we provide you with our dedicated and surprise service to create our customers to be glad. So anytime at need of money simply take your card and simply swipe and acquire the cash that you just needed to be spent.

Providing cash against credit card purchase is one of the way to encash your money from your credit card. Even bank provides to withdraw cash from ATM using card. But, if they reduce the interest rate for withdrawing cash from credit card, people will not use other outlets to encash the money. In case of any emergency, one can withdraw cash from credit card in Mumbai. we provide spot cash on card.During urgency, we can take money from ATM using credit card. But, it will be upto the cash limit. Not the total card limit. so, no other way to solve the purpose. We suggest people to do this in a frequent interval. if you continue to do this, bank will not get any benefit. Even though, people are making the transaction into EMI. by doing so, banks are getting interest for the money they are offering.

We are additionally providing the quickest service to our customers wherever the shoppers will get their cash at the necessity of emergency. Once customer comes to us for urgent cash they’re provided and concerned with the short amount of time in order that they’ll simply calculate and manage their times and might be scheduled consequently.

All are earning in our life but only few are spending it in a right way so spend your money wisely. We are always there to help you when you are in need of money at anytime to avail you with the instant cash.

We Provide Cash against Your Visa/Master/Maestro Credit Card. To avail this facility you just need to submit your ID/Address Proof.

Call 9092607812, 7397284961

visit: http://www.cashbazaar.in for more information

We are here to help you in your urgent needs.

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Source by Ajay Kumar

3 Quick Aspects To Consider When Getting A

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Samsung is among the top mobile phone brands you can trust for high quality phones. It has a myriad of phones to choose from and to suit all kinds of budgets. The latest phones from Samsung come with amazing features that you can literally work from your phone if you have no access to a computer or on the go. But considering that not all features are important to everyone, you must of course determine what matters to you most and select the phone that offers you precisely that. Here are a few aspects you might want to consider when chasing for a Samsung mobile phone.

Storage capacity

No matter what you intend to use the phone for, every user wishes to have a phone with a big capacity when it comes to storage. You may want to download apps, take and save photos and even create videos and all this without really running out of storage space. Fortunately, most phones of this brand come with huge storage spaces from 2GB all the way to around 64GB. Choose the size that serves your personal and professional needs, but remember that sets that come with larger capacities tend to be a little costly compared to those with smaller ones.

Battery life

This is what will determine how long you can use your phone before needing a recharge. The majority of phones from Samsung have long lasting batteries, but you need to remember that a few factors also play a role in how long the battery lasts. For instance phone that are 4G enabled tend to be a little low when it comes to battery life compared to 3G enabled phones. How often you use the phone can also determine the life of your battery after every recharge. If browsing is your thing, consider using WIFI over 3G to save the life of your battery. Whereas you can have up to 15 hours talk time on your Samsung, you may need to get the latest models for this and probably more. Again, consider your phone usage and select a model that will work efficiently for you.

Screen size

It is true to say that smartphones with bigger screens are more preferable among users, but standard sized screens still appeal to many. The good thing about Samsung is that it offers all kinds of screen sizes to its users so you can find what you prefer. Whether you like small displays or larger ones, you will find all kinds of screen sizes and resolutions to suit your needs. The Galaxy Note makes a very good example of models offering bigger displays with its 5.5inch display. With such a display, working your spreadsheets is easy and so will watching a movie from your phone.

When it comes to Samsung mobile phones, there is something for everyone in terms of size, price, colors and features. You simply need to know what your needs and priorities are and then choose a phone that works for you.

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Source by Shalini Madhav

A Guide to Hotel Linens Materials

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For centuries, Linen has been serving a vast range of necessities in our world. It is a textile derived from flax plants. The name Lenin is from Latin name for flax plant, Linum. Linens are considered one of the oldest textiles of history dating to about 8000 BC. The prime factor that made Linen stand the test of time is its longevity. Linen manufacturing is very time consuming process, nevertheless is vogue and appears extravagant and gorgeous at the end.

Although the use of linen has changed dramatically over the years, the basic element of it that never changed is its dominance in clothing industry. It is widely used in producing a numerous range of fabrics such as towels, bed sheets, tablecloths, napkins etc. It has been also extensively used in women’s apparel for ages. There has been a slight depression in demand for Linen during 1970s, but it incrementally rose to 70% by 1990s for its quality. It is now a symbol of luxury and status.

Linen keeps the heat under control for the wearer. The bed sheets made of Linen are weather conditioned – they are warm in winters and cool in summers – such is its efficiency. Pure linen that is made from natural flax fibers or 100% linen is the best material for clothing.

Linen weave made of cotton, hemp and other non-flax fibers are called as Linens too. Clothing pertaining to Bed, Bath and Kitchen favor the Linens that are united with cotton for its affordability and absorb-ability. These have a huge market in Hotels, Restaurants, Hospitals, Assisted Living Facilities, Churches, Weddings, Hospitality and Healthcare Industries. The main reason for these renowned industries to opt Linens for their services is their durability, strength, flexibility and yet being extremely comfortable for customers and for their staff to launder it. Frequently used fabrics such as Hotel Bed Sheets, Hotel towels, Hotel Linens, Restaurant Linens, Hospitality Linens, Napkins, Table Linens – all are commonly made of Linens but different types. The change in the style of weaving differentiates one linen from another.

Let us look into a few types of linens and their uses.

Mercerized – The feel of cotton and make of linen makes it dual advantage as it offers the softness of the antique fabric and durability of cotton. Even after a series of washes, it still holds the same quality making it a perfect value for money.

Damask Linen Fabric – Do you want a touch of luxury then go for Damask. Damask Linen fabric is woven in plain and satin weaves, which has an extra soft texture on the fabric that is smooth and pleasant to feel. The stand out feature of this fabric usually comes in single color – mostly blue or red or both – with very fine design on it and in reversible pattern.

Plain-Woven Linen Fabric – This is the most used fabric for cleaning glassware. It is famously called as Glass Toweling. This one is a loosely woven fabric, which makes it a best water absorbing fabric and thus its domination in cleaning services. There are again many types under Plain-woven linen fabric – each having its own purpose. Holland Linen is used in making windshields and Lamp shades for it is opaque and thick enough to block sun-rays entering inside. Cambric Linen is another plain-woven fabric that is used in making of handkerchiefs and lingerie as it is the thinnest woven fabric of all. Butcher’s linen as the name has it, is used by butchers as aprons because of its strong plain weave. These fabrics are rigid and hard textured, capable of withstanding the harshest of stains.

Loosely Woven Linen – These are the most absorbent fabrics among the rest Linen fabrics. There are again variations under this Linen to serve a range of necessities. Bird’s eye linen and Huck-aback Linen are widely accommodated for its geometric designs and delicate requisites such as diapers and sanitary towels.

Sheeting Linen – Sheeting Linen is used to manufacture Bed Sheets. It has highest demand in service-based industries and is commonly preferred for Hotel bed sheets. Egyptian cotton is the most desired sheeting for its luxurious experience, real Egyptian cotton is grown in Egypt under careful supervision and is hence, extremely soft and also durable. Buyers have to be vigilant in buying an Egyptian cotton because there are more false ones than originals in the market.

Toweling – These linens are specifically used for producing towels of different sizes and lengths for Hotels and Restaurants for hotel towels, restaurant napkins and bathroom linens. They are made after exact and accurate measurements to give the guest the best experience of touch, feel and usability.

How do you know whether the linen you bought is genuine, reliable and superior in quality? The quality of linen is measured in GSM – grams per square meter. With the weight of the Linen fabric, you can determine its perfection. The higher the number of GSM, the better is the quality of linen fabric. Before going to buy a linen fabric, it is wise to do some research on GSM levels. Typically for a towel linen, 400-600 GSM indicates a fabric of medium quality, anything under 400 GSM is thinner and of cheap quality. Levels higher than 600 GSM are considered luxurious, super absorbent and superior quality fabrics. For Bed linens, 160 to 200 GSM is recommended. GSM level below 140 is again not of good quality and is best to ignore. Linens of lesser GSM levels get a hard workout and lose parts of fabric every time it is laundered.

Now, comes the toughest part – a good wholesale linen supplier. To elect a good supplier becomes a challenge when the market is as broad as the linen market. To select the best wholesale linen supplier, one has to reconsider the above discussed factors. Test the knowledge of the supplier, being cognizant is the only way to discover the best wholesale linen supplier and master the art of linen purchase.

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Source by Michael Smith Jr

Congress Looks to Avert Eurozone Struggles

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This week, President Obama urged congress to reach a compromise on the so-called debt ceiling-the legal ceiling for federal debt-and agree on a new budget that would balance America’s books. Policy wonks and politicos have prophesized that any prolonged, bipartisan stalemate would plunge America into economic turmoil anew. It seems the congressional “Gang of Six, “composed of the top lawmakers on either side of the isle, has finally agreed to move forward with talks to cut nearly 3.7 trillion dollars in federal spending over the next 10 years. Though it is unclear from what programs and jurisdictions this money will come, it is clear that reaching a final version any compromise and subsequent bill, in the bipartisan House and Senate, will be long and anguished.

Credit card bills become a headache for everyone

Much of America will be relieved that the US government isn’t going to shutdown as it threatened many times earlier this spring. Some might recall the thousands of government employees furloughed because lawmakers couldn’t reach an agreement over the federal budget.

Evidently, even the most powerful people in the country are struggling to reign in spending and control their credit.

These temporary lapses in government underscore the availability, or lack thereof, of new credit and new credit alternatives. US lawmakers are effectively engaged in what many credit card customers would recognize as a credit card negotiation.

Like all credit card consumers with revolving debt, many lawmakers are getting their first significant taste of the anxiety and pressure that comes when creditors call and you can’t pay up-in this case, failure to pay up could mean years of political backlash from angry voters. What’s worse, a federally sized “credit card negotiation” gone wrong could undermine the frail but recovering international economy.

Unlike the Eurozone

Over the past year, the US, despite opinions and forecasts to the contrary, has weathered rough economic forecasts with brassy conviction. Much of the Eurozone, in countries like Italy, Spain and Greece, has suffered a paralyzing series of severe economic shocks equivalent to nation-sized bankruptcy. Not a few times have financial earthquakes punished the Eurozone and pushed it to the brink. International creditor and banking confidence has been rattled by high unemployment in pivotal Eurozone countries and the reduction of hundreds of billions of dollars of European consumer debt to “junk” status.

Of course, no one can argue that the United States and the Eurozone haven’t fallen upon similar hard times. Historically, however, there has always been a major difference in the outlook of American consumers and Europeans-American confidence usually prevails over hardship. That appears to still resonate with a bipartisan Congress this week: Americans move forward.

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Source by Chris Marvin Lee

Mobilize Your Joomla Website Through Smart

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Websites that do not load correctly on regular desktops can be annoying. Websites that do not load properly on a smart phone are just a nightmare and hard to remedy. If a mobile customer cannot reach the website that is in mind, then there goes a visitor and potential customer.

With the popularity of Smartphones, the most successful websites add a mobile site for their mobile customers. The best way to keep visitors and customers happy is to upgrade to the mobile Internet train and offer this option.

Traditional websites cause problems for Smartphones to load because the traditional website has a lot of additional features. Websites that have a large array of flash images, large pictures, or even large java-scripts can cause the mobile phone to not load properly. Many Smartphones have a slower Internet connection; regular websites will take a longer time to load.

The products listed below are to help customers run better Joomla sites while browsing the mobile Internet.

Mobile Joomla

One of the tricky things with having a traditional website and having a mobile website is trying to balance the two. The best thing about Mobile Joomla is once a website has gone mobile, Mobile Joomla has a built in detection monitor that displays the website to which setting it is in (either traditional or mobile).

Apart from the ability to detect which setting the site needs to be in, no matter which style the site is in, the display for both traditional and mobile is beautiful and clear.

Mobile Content Switch

This is a great app for Joomla users; due to it allowing the webmaster to manage their website; no matter what setting the site is based upon (again, mobile or traditional). This is a popular application for iPhones and iPads, so there is a lot of attention to troubleshooting out there. This app is really easy to use and should always be considered first if the user has an iPhone and a Joomla account.

Joooid

Based around the Android, Joooid allows Joomla users to manage their sites so the end result is a beautiful and easily functioning website. Joooid also lets the user publish articles, post photos, upload maps, and keep everything running in a fine-tuned manner.

A great app for webmasters that like to keep a well structured website that works great for traditional websites and mobile Internet Smartphones.

One important thing to keep in mind when managing a mobile website is that once a traditional website is built and a mobile website is created, is that the mobile website needs to continually be managed along with the traditional website. There is now a way to create a mobile website that will update when the traditional website is updated.

Joomla users can keep their websites up-to-date with little to no effort, and still produce a wonderful website for mobile users that does not lack in detail.

The best function for these helpful apps is the ability to be updated from Smartphones as well as regular PCs. There will never be a poorly designed mobile website again with the use of these three helpful apps.

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Source by Gaurav. Heera

The Perfect Mantra for a Hotel’s

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It is famous fact that selling to an old customer is far cheaper than getting a new customer. Increasingly hotels have realized this fact and are now focussing more towards increasing customer satisfaction and brand loyalty to retain existing customers. In the world of online reviews, prospective guests can easily evaluate and estimate the quality of services being offered by a particular hotel and hence it is imperative for hotels to perform extraordinarily well at all times. Moreover, give no chance for the guest to be unsatisfied with their stay experience in your hotel. Nice reviews ultimately lead to attracting new customers with the credibility and brand image built in the process.

Do not give wrong expectations – Do not set guest hopes on things you cannot deliver. Like hotels should stop glorifying their budget hotels as luxury hotels. This practice does more damage than profit in the long run. Instead of over glorifying, hotels should excel and advertise what they are capable to deliver. They should delight the customer at every service they provide so that their guests spread positive word of mouth about the hotel on all review websites and remain loyal.

An easy tip can be to remain an underdog and offer services more than you were expected to.

The hotel staff is the heart of any hotel and needs to remain motivated at all times. It’s only they who are the touch point to the guests. Therefore, it is necessary that they be trained to handle unpleasant situations at all times even when the customer is angry or makes unnecessary demands. Staff should be well aware about hotel’s policies and offering so that they do not have to contact manager for every small guest demand and provide a resolution immediately.

Staff needs to be empathetic and have a problem solving approach for customer grievances.

Hotels should be able to recognize repeat guests and regular visitors and make them feel special during the entire stay. Repeat visits explicitly imply that you are doing something right that these guests appreciate. The hotel should ensure that the service quality graph only goes higher. Repeat guests are like brand ambassadors to your hotel who spread positive word of mouth both offline and online.

A quick tip can be to remember all the loyal guests by their name and if possible, by faces too, and welcome them warm-heartedly every time they pay a visit to your hotel.

Hotels can nail customer satisfaction by continuous learning about guest expectations from their stay experiences. The medium can be as simple as a short feedback form when they check out or a survey over e-mail. From the input, the guests provide, whether they praise or complain about your hotel, the more the hotel gets to learn about their guests’ preferences. Hence better is the quality of services they can provide.

That is why guests should be encouraged to post and share reviews, write testimonials, give feedback and suggestions on review websites and even brand website. As this will help hoteliers to meet customer expectations to a greater extent.

Revenue Managers and other hotel staff should also ask their guests to follow the brand on social media so that they can remain updated about the latest offers and discounts.

Once the guests have checked out, hotels should take initiative to remain in touch with their guests, inquiring them about their stay and also ask them what else they will like to add on the existing services of the hotel, etc. Engaging past customers amplifies the chances of them visiting again.

Hotel can stay in touch with past customers through SMS and emails telling them about new facilities, food menu, new festivals and exclusive offers etc. However, that not at all means that they bombard mails every next day that can instead irritate and force them to unsubscribe. Additionally, hoteliers should also ensure that the offers are reasonable and do not have irrelevant terms & conditions and are easy to avail.

Hotel business can be very rewarding and profitable if run with empathy and efforts. Hotels should be easily able to adapt to changing customer’s demand and continually improve their services and offerings. Proper staff training can play a key role in ensuring promising guest experience. Incorporating latest tech in hotel industry like revenue management software, Online Reputation Management (ORM) tool coupled with a guest review collection can further help hotels to earn more revenues and maintain scintillating brand image at the same time.

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Source by Sudhir Kumar Singh

Illegal To Use a Handheld Cell Phone

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In the United Kingdom, a law has just been passed which forbids drivers to use mobile phones whilst on the move. In fact, this is not quite true as the law has been around for some considerable time. Yet the authorities are cracking down on the use of mobile phones on the move and making it a more serious offense.

Up until February 1st, using a mobile phone on the move could lead to a fine of approximately $60. This was hardly a deterrent and people could be seen at all times using the telephone. There have been a number of instances when pedestrians have been killed because of drivers using mobile phones and losing control of their vehicles. The 60-dollar fine was not much of a deterrent for most people. Therefore, on the 1st of February the fine has been increased to $120 together with three points endorsement on the driving license.

This is thought to be able to produce a situation where people will think twice before using a mobile phone. Yet whether this will prove to be useful overall is debatable. The mobile phone has become an essential item for use at all times of the day and even at night.

The days are long past when the only way we could communicate with other people was if we were at home and near our land line phones. Now the mobile phone is useful for general communication and for more “important” communications involving the safety of children, loved ones, and relatives.

The risk of using a mobile phone only becomes noticeable at times when authorities such as the law enforcement are nearby in order to see the crime being perpetrated. The vast majority of car, and other vehicle, drivers will know that they are safe most of the time to use their mobile phone without being caught.

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Source by Dr. Mark Clayson

The Main Steps in the Hotel Development

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The process of hotel development follows the same path, whether you are developing a boutique hotel or a luxury hotel. This much is true for all hotels, although based on the individual circumstances of your hotel development, there are some aspects that can change or will need to be changed especially if you want your project to be one of a kind.

Choose A Location

Choosing where you are going to put your hotel is usually the first step and this is a two-fold process. You will have to decide which city the hotel will be located in as well as decide where in that city the hotel will be located. These will all depend on the clientele you want to cater to. For example, for a city that’s known for its business districts, you can build a hotel that focuses on business customers. It will have to be located in a central place in that city where most headquarters for the businesses are. If your ideal business is located in a tourist destination, you should start a tourist hotel that will cater to travelers and will provide easy access to tourist attractions in the city. Striking a balance between business and vacation travelers is of utmost importance because your success, not to mention the highest occupancy, will depend on it.

Acquire Financing

The next step in hotel development is acquiring financing. To do this, you need to come up with a strong business plan that includes things like the cost per room for building and operating the hotel, the expected occupancy rates, and what types of rates you plan to charge per room. You need to have a thorough idea of what your expenses are going to be, so that you know how much money you need to secure, and take into account the cost of the land you are going to build on, legal fees associated with the development, general construction costs, and the costs of things like furnishing the hotel. Financing the building of the hotel can come from two sources – business loans or investors. With the correct amount, either of these will suffice although it is preferable to obtain a combination of both.

Choose Whether to Build or Remodel

Purchasing the land and getting any zoning variances that are required, securing a franchise, and hiring a contractor will all have to wait after securing financing. Once that is ironed out, you will have to choose whether you would build a new building from scratch or remodel an existing building. You will also have to decide how your hotel is going to look and feel. Building a new hotel from scratch will be a demanding endeavor but will give you creative control over the design process. On the other hand, franchising a national brand will be more attractive to your lenders and will save you a lot on design fees because hotel brands provide designs for their prototypes.

Developing and operating a hotel is a very risky business and your capital reserves should be able to fund development cost overruns and periods of operating cash shortages. Because of the short-term nature of the leases, and the amount of management needed to run them properly, hotels are indeed among the riskiest type of real estate development. However, it can still be very rewarding to be major part of the hospitality industry. The best way to ensure a successful development process is by obtaining experienced advisors, consultants and partners.

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Source by Maurice R Robinson

Best of the Latest Xperia Mobile Phones

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Sony Ericsson Xperia Neo

The latest Android technology offered by Sony Ericsson is presented in the form of Xperia Neo. The phone can display crystal clear images thanks to its mobile BRAVIA engine. The phone uses Sony’s award-winning Exmor R mobile sensor that has proven to be able to capture high quality videos and pictures using HD mode even in the low light setting. Afterward, you can view your picture and videos directly by plugging in the HDMI connector to your HD TV.

Just like any product launched by Sony, it comes with a stylish glossy looking body consisting of both plastic and metal chassis. It has a 3.7 inches screen and weighs 126 g. And if you are a Vodafone customer, this smartphone also comes in red which is exclusive only to Vodafone.

Sony Ericsson Xperia Arc

Launched on the 1st of April in Europe, the Xperia Arc has stunned the crowd with its 4.2 inch touch screen using a mobile BRAVIA engine to optimize pictures and video at 854 x 480 pixels. The phone also uses the latest Android 2.3 Gingerbread powered by 1GHz Qualcomm Snapdragon processor. Just like its sibling the Xperia Neo, Xperia Arc also features the Exmor R sensors giving it the capabilities to capture HD videos and pictures in low light areas. And to augment its video taking capabilities, Xperia Arc also uses a 8.1 mega pixel camera and it has a HDMI out. The the Arc, ones of its main selling points is the ultra-thin body, which curves inwards in the middle, which is quite unusual for a mobile phone!

Sony Ericsson Xperia Play

Along with both Xperia Arc and Xperia Neo, the Xperia Play is a smartphone running on Android 2.3 Gingerbread produced by Sony. It was codenamed Zeus and is the first smartphone that is PlayStation certified. Targeted at the hardcore gamer’s community, this smartphone is powerful enough to run PlayStation 1 style games thanks to its impressive 1 GHz Snapdragon processor. Additionally, it is the first phone that has true gaming console controls builds in; this means, you can play these games using the familiar gaming pad and not a touchscreen.

The smartphone was revealed first in the US during Super Bowl ad on Sunday February 10 2011 and shipped globally in March 2011. Initially available to Vodafone, T-Mobile, and Orange networks in the UK, the Xperia Play currently has no less than 50 gaming titles, and Sony Ericsson are adding more each month. The design is similar to that of Sony Ericsson’s early Android handset, the Xperia X10, with a slider mechanism, that hides a PSP-like D pad and the iconic 4 PlayStation gaming buttons.

The Son Ericsson Xperia Play also features similar graphics capability of that of similar portable devices with the capabilities to play these games using PlayStation Suite. PlayStation Suite changes the phone functionality to that of XrossMediaBar which resembles the PlayStation Portable. It is said that the titles will range under $10, which is significantly less compared to the $40 a title for PlayStation Portable. Titles available as of now include popular titles such as Sims 3, NFS Shift, Assassin Creed, Brothers in Arms, FIFA 2010, and many more.

With these 3 mobile phones, Sony Ericsson are now a serious player in the Android smartphone market, and are challenging both Samsung and HTC. It will be exciting to see what road they take next!

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Source by Keith Horwood

Selecting the Right Hotel Carpets

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Selecting the right carpets for your hotel is an important decision as they will likely take up a fair amount of your décor budget, and cover a lot of area in terms of your hotel’s aesthetic. Here’s a quick look at a few things to consider.

Noise reduction

One of the main benefits of using carpets in hotels is that they are soft underfoot and also sound absorbing. This is an essential in a round the clock business, where when guests are sleeping, room service and housekeeping will still be on the go.

Choosing hotel carpets according to area

The requirements of your carpet will vary according to the use of the space. For example, the reception area has different needs to corridors, stairs or guest bedrooms. As far as budget is concerned, broadly, the more you spend, the better the quality. The main concern here is footfall – hotel corridors and stairs will see fairly high footfall and potentially wheeled traffic in the form of trolleys etc. It might be wise to invest in good quality carpet for these areas to ensure durability in the longer term. Bedrooms, on the other hand, will not require the same level or durability, but aesthetic will be important in terms of a feeling of luxury and personality.

Design and space considerations

Hotel carpets play a big part in the overall look of your hotel’s interior. The reception area creates the all important first impression of your hotel. This area is likely to be fairly busy with people, luggage and possibly trolleys, so any carpet should be reasonably hard-wearing. Depending on the look you are going for, you could try a patterned carpet here, which not only creates a stylish or dramatic entrance depending on the design you select, but also has the additional benefit of disguising any marks or stains.

When thinking about space, it’s worth remembering that lighter carpets will create the feeling of more space, so they’re a particularly good choice for smaller bedrooms. Darker carpets however, are great for larger areas as they have the added benefit of being more forgiving and not showing marks and scuffs so easily.

Although wool has traditionally been used, nylon is extremely hard-wearing and with advances in technology, has become far softer underfoot. It’s also stain resistant and very easy to clean and therefore it is increasingly being used for hotel carpets.

Choosing the right carpets for your hotel is a very important budgetary and aesthetic decision. To achieve longevity, quality is essential. It’s always a good idea to talk it over with a carpet professional to ensure you make the best selection for the future of your business.

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Source by Alana Holder

What Is the Difference Between

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If your mortgage lender has sent you a letter demanding that you pay all of your back payments, as well as all late fees, penalties and legal fees in order to become current, then the process they are working with is called a reinstatement of your loan. Your lender views the delinquent amounts as defaulting on the terms of your home loan. This requires them to demand you catch up or they must foreclose on you and take your home. Can a home loan modification avoid this process and get you current without your having to pay this large amount? If the answer is yes, then why is this true? You may ask, what is the difference between reinstatement and modification of a home loan?

The demand for payment letter that a borrower receives is based on the terms of the loan. It only allows for paying the payment as described in your loan documents. If you are behind on your payments, you are still going to be held to the terms of your contract with the lender. There is no language in your loan to allow for changes. Therefore the lender has no other option other than collect or foreclose. You have fallen into default and the only contractual way to become current is to pay all past due amounts. Then your loan has become “reinstated” and you can keep your home as long as you continue to make payments on time. This process is called reinstatement.

But, the problem with the reinstatement process is, that if you are too far behind then you will be unable to find enough cash to catch up all at once. The language of your loan, then triggers a foreclosure that you are unable to stop.

Unless….You are able to work out an agreement with your lender to “change” the language and terms of your loan. This type of situation will call for “modifying” your loan. You modify the terms to make it possible for you to continue owning and paying for your house. It would include interest reduction to lower your monthly payment and taking your unpaid payments and putting them back into your loan. The new terms would have the effect of creating new monthly payments, which would be affordable to you. Your monthly payments would now fit within your monthly budget.

Why would the lender do this? Because, your lender loses a great deal of money whenever they foreclose on a home. This is complicated, but the costs your lender must pay can include:

1. The cost of the foreclosure process going through the court system.

2. Your home will probably sell for less today that just a few years ago due to the economy. If your lender receives less than you owe them, then they lose this money.

3. Care of your home while it is in the selling process. This includes large realtor commissions, utility bills and upkeep.

4. The lender borrowed money from an even larger lender in order to loan you the money you used to buy your home. Your lender must pay this back.

5. While your home is in foreclosure or being sold, your lender cannot use it as an asset on the bank balance sheet. They are then criticized by government regulators.

Well what does your lender want? First of all, the lender wants you to catch up your payments on your own and get a reinstatement.. If that is not possible and you can identify the problems you have had that forced you to get behind, then the lender wants to work with you. The lender wants you to show what was wrong; what is different today; and what amount you can afford. Then they must see if they can make your plan work from their point of view.

If you can agree on terms that work for you both, then you can change the words, or terms, of your loan to incorporate the new agreement. You will not be getting a new loan or a refinance loan. You will do a “home loan modification”, which simply changes some of the terms of the loan, so that it now includes your new agreements.

Home loan modifications are done thousands of time per day, due to the present housing crisis. You can do it yourself, if you are familiar with the process. However, this can be tricky. I would interview several home loan modification process experts. Find out what they promise, what they charge and if they will take payments. For my recommendation see my resource box below.

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Source by Danny Hammond

5 Useful Features of the Conference Phone

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A high-quality conference phone must include the right features to provide clear and crisp sound. This can relate to amplitude, noise, interactivity, reverberation and bandwidth. By balancing these different qualities of the phone setup, it is possible to make significant improvements on the sound that is noticed by the participants in a conference call.

The latest conference phones make use of the latest high-tech technology and are designed to be either wired or wireless. The wireless models are starting to be more favored because of its ability to provide greater flexibility, and look better on the boardroom table with no exposed wiring.

Here are some of the features to expect on the latest conference phones:

Standard features

Most of the conference phones are built with standard features that are seen on normal phones, such as hold, transfer, redial and mute. Any decent phone should have at least these basic features available to use.

Gain Management

The gain management technology helps to switch off any unwanted pickup from the microphones that aren’t in use. This is an automatic system and can continue to adapt the sound quality during the meeting and make it much easier to hear and understand the other participants on the phone call.

Directional Microphones

The benefit of the directional microphones is the ability to eliminate much of the echo and noise that is noticed within the actual office or boardroom. This type of microphone is quite expensive, but is a practical option in meetings that have a lot of people speaking. Alternative choices include the Omni microphones, but these are not as effective at controlling ambient noise.

Interaction

The setup that includes duplex technology makes it possible to experience the more free-flowing conversation that lets participants speak at the exact same time without noticing any cut out or interference. Even in situations where the noise in the office is quite loud, it should still be possible to hear both parties talking on the phone at the same time.

Interconnection

The phones with greater interconnection abilities provide more versatile use and usable in a variety of different situations. Most of the interconnected systems are designed to accept extended or external microphones.

Overall, the different types of conference phones can vary significantly in relation to the features included, so it makes sense to carefully research the different functions to ensure it is able to match the specific conference calling needs.

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Source by Leo Eigenberg

Five Reasons Why You Should Work For the

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The hotel industry is a multi-billion dollar growing industry. There are many job opportunities available in hotels that are both part time and full time. They include housekeeping, waiters and waitresses, kitchen workers like cooks and then you have other areas like management, marketing and human resources. Below are five reasons why you should work for hotel industry.

1. A hotel job gives you the chance to meet and interact with different people from senior company executives to junior level management. That means your job can never be boring. It also means you can get useful contacts that can be helpful later if you need to advance in your career.

2. Working in a hotel gives you the opportunity to grow in your career. Depending on what your career goals are you have the opportunity to rise through the ranks through on job training and experience.

3. The job opportunities are limitless. Across the world there are thousands of hotels and many hotel groups including big brands, like the Marriot, Best Western and Sheraton to mention but a few. Once you have learned the trade in one hotel you have the option of finding a job in any of the thousands of hotels across the globe including working for some of the big names in the industry which is good for your Curriculum Vitae.

4. Opportunities to work abroad. Because many of the big hotel groups are found in many countries across the globe you have the opportunity of working away from home in another country. This gives you the chance to live and experience what it is like to live in another country with a different culture. You also have the opportunity to travel and enjoy travel and accommodation rates at much reduced rates compared to what is available in the market.

5. Opportunities to work in the travel and tourism industry. The training and skills acquired in the hotel industry are useful should you choose to work in the travel and tourism industry. This greatly increases your employment possibilities as the travel and tourism industry includes but is not limited to sectors such as passenger transport, travel agencies and tour operators.

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Source by Timothy Ijala

Commercial Loan Retainer Fees

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Retainer fees are “standard business practice” for some (but not all) commercial loan situations. It is understandable that a commercial borrower would rather not pay such a fee, so it is important for a commercial borrower to understand when it is more likely to be necessary. In fact a business loan retainer will not be necessary in many business loan scenarios. This is especially true of commercial financing such as business cash advances that takes less time and produces funding within just a few days.

For more time-consuming commercial loan processes, it is increasingly common for a retainer fee to be paid during the preliminary stages. This is especially true when working with business loan consultants that specialize in commercial loans. Most advisors who work with residential mortgage loans (and perform commercial loans as a sideline to their main business activities) will not charge a retainer fee because in many/most instances they are legally prevented from doing so by certain state and federal regulations (in other words, it is likely that they too would charge a retainer fee if not legally prohibited from doing so because of prevailing residential loan compliance issues).

So why wouldn’t a commercial borrower who doesn’t want to pay a retainer fee simply work with someone who doesn’t charge a retainer fee? Many commercial loan situations are too difficult for the average residential loan advisor to handle successfully. Similar to a person seeking a more expensive medical or legal specialist to help them when confronted by a serious medical or legal problem, most commercial borrowers have come to realize that business loan problems are frequently just as serious and complex and deserving of a commercial loan specialist.

It is in these situations when a commercial borrower is working with a business loan specialist that a retainer fee should be viewed as “standard business practice” for more difficult and time-consuming commercial loans. I have stated elsewhere that one of the most important lessons to be learned from a thorough analysis of commercial financing “trade-offs” is that the lowest rate is almost never associated with the best deal for the commercial borrower. A similar observation based on over 25 years of business loan experience: the lowest fees are also rarely associated with the best deal for the commercial borrower.

The fees charged by commercial loan specialists (including retainer fees when appropriate) are almost always higher than loan advisors who do not specialize in business loans. In the end, most of these borrowers still choose to deal with a highly-qualified commercial loan specialist because they ultimately realize that perhaps it is better to use the “best” business loan advisor rather than the “cheapest” business loan advisor.

The most typical range for commercial loan retainer fees is $2500 to $10,000 (obviously a wide range). There are various reasons for a retainer fee and here are three of them: (1) to compensate the advisor for some of the initial loan processing; (2) to serve as a “good faith” deposit toward the overall commercial financing fees; and (3) to focus the borrower on working with one business loan advisor. The third reason might be the most important of all. With difficult commercial loans, it is extremely counterproductive for a commercial borrower to be working with multiple business loan advisors (regarding the same loan). Once a retainer fee has been paid, a commercial borrower is likely to be more comfortable in working solely with the business loan advisor who received the retainer fee, and with difficult commercial loans, this unified approach is likely to be more successful. It is this success that ultimately justifies the retainer fee.

Copyright 2005-2006 AEX Commercial Financing Group, LLC. All Rights Reserved.

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Source by Stephen Bush