Save Money With Package Deals #geary #parkway #motel

#toronto motel

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Save Money with Package Deals

The only thing better than travelling is saving money when travelling. With package deals, you can stay and play in Toronto for one low price. And now with the Canadian dollar trading at approximately $.70 on the U.S. dollar, it s an even better time for Canadians to travel here and great value for Americans. Find a currency converter .

Looking to shop, go see a live theatre show, or relax at the spa while in town? Many of our partner hotels feature packages with discounts and gift cards for these and other popular activities. Or how about free parking, wi-fi, and discounted room rates?

Save on your family vacation or romantic getaway with specific discount deals for families and couples. The more money you save on your hotel, the more you can spend on the events and experiences that truly matter.

New packages are available all the time so you never know what you’re going to find until you look!

Search Package Deals

Browse dozens of package hotel deals to find the one that works for you. Simply enter the planned dates of your trip and click “Search.”

Featured Events:

Toronto Theatre Guide

From Tony™ Award-winning musicals to Broadway blockbusters to knee-slapping comedy, this is a theatre line-up worthy of a standing ovation.

Toronto International Film Festival

September 8 to 18: The TIFF is the biggest and brightest public film festival on the planet. See our TIFF guide .





Free worksheets for using the distributive property and factoring, grades 6-9 (pre-algebra


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You are here: Home Worksheets Factoring/Distributive property

Free worksheets for the distributive property and factoring

With this worksheet generator, you can make customizable worksheets for the distributive property and factoring. These worksheets are especially meant for pre-algebra and algebra 1 courses (grades 6-9).

The generator includes only very simple problems with linear expressions. We hope to add more problem types later.

Basic instructions for the worksheets

Each worksheet is randomly generated and thus unique. The answer key is automatically generated and is placed on the second page of the file.

You can generate the worksheets either in html or PDF format both are easy to print. To get the PDF worksheet, simply push the button titled “Create PDF ” or “Make PDF worksheet “. To get the worksheet in html format, push the button “View in browser ” or “Make html worksheet “. This has the advantage that you can save the worksheet directly from your browser (choose File Save) and then edit it in Word or other word processing program.

Sometimes the generated worksheet is not exactly what you want. Just try again! To get a different worksheet using the same options:

  • PDF format: come back to this page and push the button again.
  • Html format: simply refresh the worksheet page in your browser window.

Below you’ll find links to make some common type worksheets, meant for grades 6-8.

Simplify expressions such as 2(x + 3) using the distributive property; no negative numbers

Simplify expressions such as 2(x + 3 + y) using the distributive property; no negative numbers

Simplify expressions such as 5(2x 3) using the distributive property

Simplify expressions such as 5(2x 3 + y) using the distributive property

Factor expressions such as 2x + 6 using the distributive property; no negative numbers

Factor expressions such as 15x + 30 + 25y using the distributive property; no negative numbers

Factor linear expressions such as 6x + 3 using the distributive property

Factor linear expressions such as 24x 8 + 16y using the distributive property


How to Save Money on Gas (with Pictures) #money #saving #articles


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How to Save Money on Gas

Gas prices keep going up, and the money in our wallet keeps evaporating more quickly. There are many ways you can spend less money on gas and reduce your overall fuel consumption. But, you must think it through and begin formulating new plans! One technique that has been around for a while but has drawn more attention recently is hypermiling. However, use your head because some hypermiling techniques are illegal and extremely dangerous.

Steps Edit

Change those spark plugs often! Platinum spark plugs may claim to last 100,000 miles (160,000 km), but they have been known to foul up at just 75,000 miles (121,000 km). [citation needed ] Spark plugs are relatively inexpensive and (depending on the vehicle) easy to replace. If you’re not that handy or mechanically inclined, read some auto repair books or be-friend a mechanic.

Limit your driving. This article includes ideas such as carpooling, combining trips and taking the first parking spot you find.

Find good gas prices . This article offers tips about making sure you are paying a competitive price for the gas you do buy. Be sure to recognize the value of the gas you spend to go out of your way.

Take care of your car . A properly maintained vehicle will run more efficiently and give you better mileage, which saves you money in gas.

Fill up efficiently. This involves three things:

  • Consider whether to fill your tank up full or halfway. Filling up your tank halfway will reduce your car’s weight, increasing your mileage slightly. However, if your nearest gas station is significantly out of the way of your daily route, make sure to take into account the gas spent driving to the station and the value of your time.
  • Don’t top up your tank between fills. It is wasted money and bad for the environment because it invariably forces liquid fuel into the evaporative emissions system, where it overwhelms circuits that route fuel tank vapors to the engine. [citation needed ]
  • Wait until you have a quarter tank, but don’t push this any further. Doing this can extend your gas mileage because you are hauling a lighter fuel load. It also gives you the opportunity to buy more gas if you run across a bargain. However, in cold weather, you run an increased risk of condensation in the fuel tank. Running a car with less than a quarter tank can shorten the life of the electric fuel pump, and running on empty will often destroy the pump.

Top off the air in the tires every few weeks to the car manufacturer’s recommended pressure. This is best done when the tires are cold (have not been driven on more than a mile or so). It is proper for them to have a few psi higher pressure after extensive driving, but filling them hot should generally be avoided unless they are very low on air to avoid inaccuracy. Excessive pressure adds very little efficiency and can cause bad handling and uneven tire wear. Some gas stations, notably Sheetz gas stations, have air pumps that are free to use and automatically inflate the tires to a pressure set on the pump. These are very convenient. (If an automatic pump seems to be adding an unexpectedly large amount of air, double-check its progress with a hand air gauge to avoid overfilling.)

  • In California, gas station operators are required to offer free air to customers who purchase fuel.

If you are always stuck in rush hour traffic after work anyway, try to find something to do near your work until the traffic dies down, rather than try to fight through it.

Learn how to coast between traffic lights, applying power only as needed to keep the car rolling (more or less) with traffic. Learn to judge terrain and use engine braking to its full potential to keep the car moving ‘for free’, and save more gas over time.

Most car modifications do not improve mileage. Extra wings add drag. Power improvements often hurt mileage. However, if your car is turbocharged, chiptuning may result in a mileage boost. The mileage boost will be canceled out if you drive more aggressively due to power improvements.

Keep meticulous records of what you spend and how many miles you drive so you can quickly spot changes in vehicle performance. It will also help focus you on the goal of saving.

A manual transmission saves an average $1000 on the cost of a new vehicle, and eliminates routine transmission maintenance that an automatic transmission requires (and most people never do this maintenance once the warranty is up – so a used car with an automatic can be a risky purchase). In some cases, a manual transmission gets slightly better mileage overall than an automatic transmission.

Every MPH faster yields you less advantage than the last one. Going 10 mph (16 km/h) is a big difference over 5 mph (8.0 km/h), but there is very little difference between 55 mph (89 km/h) and 60 mph (97 km/h), unless you are on a very long trip. Many people mindlessly speed wherever they go, and gain absolutely nothing but a heftier fuel bill. Assuming everything goes perfectly (and when does it?) going 5 mph (8.0 km/h), even 15 mph (24 km/h) faster on a highway for a short trip will yield nothing but aggravation as you keep catching up to slower traffic.

Many of these tips change slightly if your engine is turbocharged or diesel. For instance, diesel engines use almost no fuel while idling. Diesel trucks will often be left idling all night to provide heat or power for the trucker inside the cab, at the cost of relatively little fuel.

Get a smartphone app that helps to find the cheapest gas.

Often the right-most lanes keep moving more than the left-most in areas prone to traffic-jams. Vehicles continue to exit, which keeps leaving ‘gaps’ to fill in.


Interbank Money Market Opening Urged #interbank #money #market


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China’s interbank money market should eventually open to all institutional investors and trade more products, including derivatives, said a top official with the Shanghai Foreign Exchange Trade System (SFETS).

“More trading products are needed in the interbank market,” said Lin Yuli, president of SFETS, at the China Money Market forum held in Shanghai on Saturday to celebrate SFETS’ 10th anniversary.

So far, the interbank market only provides spot transactions, but has no derivatives for members to hedge risks.

“In terms of the renminbi interbank market, there is a lot to do to promote qualified commercial banks to issue financial bonds as well as promote the corporate bond market and securitization of credit assets,” she added.

She also said in the long term, all institutional investors should be able to participate in the market, including non-financial institutions when everything is ripe.

Shanghai-based CFETS is a subsidiary of the People’s Bank of China. Established in 1994, CFETS provides renminbi foreign exchange transactions, renminbi interbank borrowing and lending and the bond dealing system, as well as clearing and settling services.

China’s interbank foreign exchange, funding and bond markets have witnessed rapid growth in the past decade. The accumulated amount of foreign exchange market transactions surged from US$4.08 billion in 1994 to a record high of US$151.1 billion last year. Renminbi interbank funding and the bond market have grown from 580 billion yuan (US$70.5 billion) in 1996 to 17.2 trillion yuan (US$2.1 trillion) in 2003.

It now has 347 members in the foreign exchange market and 948 in its funding and bond market.

Lin said the CFETS has played an important role in creating the mechanism for setting the reminbi exchange rate and keeping it stable.

Looking ahead, CFETS aims to become a trading and pricing centre of renminbi-related products.

To achieve the goal, Lin said trading efficiency should be further improved. CFETS will also cultivate and develop the market-maker base and perfect the trading mechanism.

(China Daily April 19, 2004)


Zafira not starting, ignition goes on, but no clicks from starter FIXED


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Zafira not starting, ignition goes on, but no clicks from starter FIXED 14th Jul 12 at 5:23 PM

Wife’s Zafira is not starting again.
The last 2 times this happened it was the starter, replaced and all was OK.

The difference between the last 2 times and this time is that the solenoid on the starter is not clicking (still clicking before)
And when I took the starter off it was still free. (was jammed before)

Also checked the old starter at the 2 live connections while off the car.
1) starter starts to spin OK
2) the solenoid clicks OK

Tried a new starter anyway but same symptoms.

The other symptoms is that the central locking is sluggish, and feels like the battery is quite low – however same symptoms as when the starter did go previously.
When trying to start all the dashboard lights go out. (or is that normal)

I have checked the earth wire from the starter to the battery earth and no resistance – so OK here
The battery was tested with Gunson’s Start check battery tester and was 75-100% so seems OK here too.
Battery has been smart charged anyway just in case.

It would appear that the solenoid is not getting power to get the starter spinning.

Any mechanics here that know what to check now, or what the likely cause is ?

Last edited by JesseJames; 17-07-2012 at 8:19 PM. Reason: set title to FIXED

Glad you like it!

If your dash lights are going out and theres barely enough juice to activate the central locking, while I’d check all major connections, I’d bet the battery is just about to give up the ghost.
Modern batteries appear to be all or nothing and can go off very suddenly.
Check the voltage across the battery terminals and if its less than 10.5 – 11 volts, it’s very tired. Get it started with a jump, check across the terminals again and make sure it’s at least 13v with the engine running, ideally around 14-14.5 volts to make sure the alternator is fine. Anything higher is just as much a problem too!

Glad you like it!

Users saying Thanks (1)

It ended up being the battery – a shorted cell.

What threw me was that it initially was showing OK.
After charging it was not showing OK and 10.6 volts
I checked it an hour later to confirm readings and checked out OK with around 12.5 volts – so intermittent readings.

So wasted my time and effort changing the starter motor twice, and that’s not easy to do on a Zafira.

Glad you like it!

Sorry!

There are currently no thanks for this post.

Sorry, thread closed.

This thread is closed, therefore you are unable to respond.

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WARNING Did you start Uni in or after 2012? The interest’s rising to 6.1%; yet it doesnt work like you think. See https://t.co/IQ8f0Vyetu RT

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    O que – Factoring #factoring #money


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    O que Factoring

    1. Conceito

    Factoring uma atividade comercial, mista e at pica, que soma presta o de servi os compra de ativos financeiros.

    A opera o de Factoring um mecanismo de fomento mercantil que possibilita empresa fomentada vender seus cr ditos, gerados por suas vendas prazo, a uma empresa de Factoring. O resultado disso o recebimento imediato desses cr ditos futuros, o que aumenta seu poder de negocia o, por exemplo, nas compras vista de mat ria-prima, pois a empresa n o se descapitaliza.

    A Factoring tamb m presta servi os empresa – cliente, em outras reas administrativas, deixando o empres rio com mais tempo e recursos para produzir e vender.

    2. Banco banco. Factoring Factoring.

    Por defini o e filosofia, o Factoring n o uma atividade financeira. A empresa de Factoring n o pode fazer capta o de recursos de terceiros, nem intermediar para emprestar estes recursos, como os bancos.

    O Factoring n o desconta t tulos e n o faz financiamentos.

    Na verdade, o Factoring uma atividade comercial pois conjuga a compra de direitos de cr ditos com a presta o de servi os. Para isso depende exclusivamente de recursos pr prios.

    3. Finalidades

    A finalidade principal da empresa de Factoring o fomento mercantil. Fomentar, assessorar, ajudar o pequeno e m dio empres rio a solucionar seus problemas do dia a dia, s o as finalidades b sicas de uma Factoring.

    4. Vantagens da Parceria com uma Factoring

    – A empresa recebe vista suas vendas feitas prazo, melhorando o fluxo de caixa para movimentar os neg cios;
    – Assessoria administrativa;
    – Cobran a de t tulos ou direitos de cr ditos;
    – Agilidade e rapidez nas decis es;
    – Intermedia o entre a empresa e seu fornecedor. O Factoring possibilita a compra de mat ria-prima vista, gerando vantagens e competitividade;
    – An lise de risco e assessoria na concess o de cr ditos a clientes.

    5. Como Funciona

    O processo de Factoring inicia-se com a assinatura de um Contrato de Fomento Mercantil (contrato m e) entre a empresa e a Factoring onde s o estabelecidos os crit rios da negocia o e o fator de compra.

    S o 4 as etapas b sicas do processo:

    – A empresa vende seu bem, cr dito ou servi o prazo, gerando um cr dito (exemplo: Duplicata Mercantil), no valor correspondente;
    – A empresa negocia este cr dito com a Factoring;
    – De posse desse cr dito, a Factoring informa o sacado sobre o fato e a forma de cobran a (carteira ou banco);
    – Findo o prazo negociado inicialmente, a empresa sacada pagar o valor deste cr dito Factoring, encerrando a opera o.

    6. Modalidades

    No mercado brasileiro o Factoring mais atuante na modalidade convencional. Segue abaixo um pequeno resumo das principais modalidades:

    Convencional a compra dos direitos de cr ditos das empresas fomentadas, atrav s de um contrato de fomento mercantil;

    Maturity A Factoring passa a administrar as contas a receber da empresa fomentada, eliminando as preocupa es com cobran a;

    Trustee Al m da cobran a e da compra de t tulos, a Factoring presta assessoria administrativa e financeira s empresas fomentadas;

    Exporta o Nessa modalidade, a exporta o intermediada por duas empresas de Factoring (uma de cada pa s envolvido), que garantem a operacionalidade e liquida o do neg cio;

    Factoring Mat ria-Prima A Factoring nesse caso transforma-se em intermedi rio entre a empresa fomentada e seu fornecedor de mat ria-prima. A Factoring compra vista o direito futuro deste fornecedor e a empresa paga Factoring com o faturamento gerado pela transforma o desta mat ria-prima.

    7. P blico-alvo

    O Factoring destinado exclusivamente s Pessoas Jur dicas, principalmente as pequenas e m dias empresas.

    8. Factoring fora do Brasil

    As opera es de Factoring t m sua origem nos s culos XIV e XV, na Europa. O factor era um agente mercantil, que vendia mercadorias a terceiros contra o pagamento de uma comiss o. Eram representantes de exportadores que conheciam muito bem as novas col nias, custodiando as mercadorias e prestando contas aos seus propriet rios. Com o tempo, esses representantes passaram a antecipar o pagamento das mercadorias aos seus fornecedores, cobrando posteriormente dos compradores.

    Hoje, al m dos Estados Unidos, o Factoring muito praticado e difundido na Inglaterra, Su cia, Noruega, Holanda, Espanha, It lia, Fran a e B lgica.

    Entre os pa ses da Am rica Latina, fora o Brasil, o Factoring encontra express o no M xico, Col mbia, Peru e Equador.

    9. O que n o Factoring

    – Opera es onde o contratante n o seja Pessoa Jur dica;
    – Empr stimo com garantia de linha de telefone, ve culos, cheques, etc;
    – Empr stimo via cart o de cr dito;
    – Aliena o de bens m veis e im veis;
    – Financiamento ao consumo;
    – Opera es privativas das institui es financeiras;
    – Aus ncia de contrato de fomento mercantil.

    10. Por que sindicalizar sua Empresa

    As empresas de fomento mercantil factoring associadas aos Sindicatos Regionais, como o caso do SINFAC-RJ, s o avaliadas ao ingressarem como filiadas, ocasi o em que s o verificados diversos tens, tais como: capital, a es c veis e criminais, fal ncias, concordatas, entre outros, para que possam ser aceitas como membros.

    Ao serem filiadas ao Sistema ANFAC/FEBRAFAC, cumprem pr -requisitos rigorosos de filia o e t m assist ncia jur dica, t cnica e cont bil. S o empresas que recebem suporte e orienta o para operar de acordo com o C digo de tica da Entidade, dentro das limita es legais, sendo portanto reconhecidas pelas autoridades, por respeitarem o mercado e a atividade leg tima do Factoring.

    Em 27.05.99 foi celebrado Acordo de Coopera o T cnica, com prazo de vig ncia de 2 anos, entre a Uni o Federal/Minist rio da Justi a, representado pela Secretaria de Direito Econ mico – SDE e a Associa o Nacional de Factoring – ANFAC. O mencionado

    Acordo tem por objeto estabelecer sistem tica de coopera o t cnica, voltada preven o e repress o da pr tica de agiotagem por parte das empresas pertencentes ao setor de fomento mercantil.


    Oakmark’s Bill Nygren Finds Value in Financials #fast #money #halftime #report, #fast


    #

    Oakmark s Bill Nygren Finds Value in Financials

    The financial sector has long-term growth potential stronger than the pressure on its net interest margins, Oakmark Fund’s Bill Nygren told CNBC on Monday.

    “I think, clearly, as long as interest rates stay as low as they are now, that’s going to put pressure on NIMs for the whole banking industry,” he said on “Fast Money .”

    Oakmark s Bill Nygren Finds Value in Financials Monday, 17 Sep 2012 | 12:41 PM ET

    “But the other side of that is, since the financial crisis four years ago, a lot of the competition that banks had have gone away, and that’s allowing them to earn higher margins on a lot of their products,” he added.

    Nygren’s fund listed Capital One and JPMorgan among its largest financial holdings.

    “We’re not trying to argue that these are fantastic businesses, but what we’re saying is the best banks sell at maybe three-quarters of book value. A lot of the others sell at about half of book value, and you don’t need tremendously good results from these banks to make them go up from these levels.”

    Nygren also identified TE Connectivity as a stock that had upside potential, due to its healthy dividend yield, its share base declining 2 to 5 percent per year and top-line growth.

    “We think you combine those three, you get a pretty nice rate of return, even if the PE-multiple doesn’t change,” he said.

    Trader disclosure: On Sept. 17, 2012, the following stocks and commodities mentioned or intended to be mentioned on CNBC’s “Fast Money” were owned by the “Fast Money” traders: Stephanie Link is long AAPL; Stephanie Link is long JPM; Stephanie Link is long WFC; Stephanie Link is long EBAY; Stephanie Link is long AIG; Joe Terranova is long VRTS; Joe Terranova is long WFM; Joe Terranova is long SWN; Joe Terranova is long AAPL; Joe Terranova is long TRV; Joe Terranova is long VZ; Joe Terranova is long VLO; Joe Terranova is long CSTR; Joe Terranova is long CHKP; Joe Terranova is long EMC; Joe Terranova is long NXPI; Joe Terranova is long AAPL SEPT. 655 PUTS; Joe Terranova is long AAPL SEPT. 640 PUTS; Mike Murphy is long WFC; Mike Murphy is long TGT; Mike Murphy is long FB; Mike Murphy is long EBAY; Josh Brown is long MRK; Josh Brown is long AAPL; Josh Brown is long RAX; Josh Brown is long LULU;

    For Faisal Kahn
    Within the past 12 months, Citigroup Global Markets Inc. or its affiliates has acted as manager or co-manager of an offering of securities of CVX

    Within the past 12 months, Citigroup Global Markets Inc. or its affiliates has acted as manager or co-manager of an offering of securities of VLO

    Within the past 12 months, Citigroup Global Markets Inc. or its affiliates has acted as manager or co-manager of an offering of securities of PSX.


    CollegeData: College Search, Financial Aid, College Application, College Scholarship, Student Loan, FAFSA


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    College Match

    College Chances

    Admissions Tracker

    Financial Aid Tracker

    Scholarship Finder

    Net Price Calculator

    EFC Calculator

    Compare Your Financial Aid

    Common App Grid

    Universal College App Grid

    Opening Your First Checking Account

    Dates and Deadlines

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    What is an Annuity Loan? #peachtree #money #lending


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    What is an Annuity Loan?

    An annuity loan is a type of loan an annuity holder borrows money against the cash value of the annuity contract. This type of loan allows individuals to access their retirement funds without going through the hassle of cashing out the annuity. An annuity loan can provide several benefits to those with an annuity and has several unique features to consider.

    Annuity Loans

    When an individual purchases a deferred annuity, they make regular payments to an insurance company towards the purchase of the total annuity contract. Once they reach the age of retirement, the annuity will pay them a certain amount of money every month. Before an individual reaches retirement age, they can borrow against the cash value of this contract with an annuity loan. When they borrow this money, they have to pay it back with interest over a certain amount of time. In most cases, the borrower has as long as five years to repay the loan.

    Every annuity provider is different with the terms and conditions that they offer. In most cases, you can borrow as much as half of the cash value of the annuity with a loan. In order to access this type of loan, you will need to speak to the company that issued your annuity. You will have to fill out a loan request form and then the loan will be processed. You will receive the funds in a lump sum and then you can make periodic payments to retire the balance.

    Avoid Surrender Fees

    One of the primary advantages of taking out an annuity loan is that you can avoid surrender charges. Once you open an annuity contract, if you cancel it out within a certain amount time, you will have to pay surrender charges. Most of the time, these surrender charges will erase any gains that you have earned through the annuity contract. If you need access to the money, you can simply borrow it from the annuity without cashing it in and these surrender charges can be avoided.

    Avoid Taxes

    Another benefit of using the annuity loan method is that you can avoid paying taxes and early distribution tax penalties. If you cash out your annuity before you reach the age of 59 1/2, you will have to pay a 10% early distribution penalty on the amount that you take out. In addition to that, you will also have to count the money as regular income and pay income taxes on it.

    Drawbacks

    With this type of loan, there are a few drawbacks that you should be aware of. If you do not pay back the loan in time, it will be counted as a distribution which means that you will have to pay the 10% early distribution penalty. Another problem that you will have to deal with is that borrowing money against the annuity will inhibit the ability of the investments to accumulate earnings. You will potentially miss out on additional money that could have been earned.

    The content on this site is provided for informational purposes only and is not legal or professional advice. Advertised rates on this site are provided by the third party advertiser and not by us. We do not guarantee that the loan terms or rates listed on this site are the best terms or lowest rates available in the market. All lending decisions are determined by the lender and we do not guarantee approval, rates or terms for any lender or loan program. Not all applicants will be approved and individual loan terms may vary. Users are encouraged to use their best judgment in evaluating any third party services or advertisers on this site before submitting any information to any third party.

    Finweb.com is an Internet Brands company.


    How to Get a Hard Money Loan Approval: 12 Steps (with Pictures)


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    How to Get a Hard Money Loan Approval

    Hard money loans are generally lent to borrowers to finance real estate investment opportunities or other collateral backed loans; they are funded by private investors as opposed to banks. A hard money loan might be an appropriate option if you do not have a high enough credit score to secure a loan from a bank. They are generally used as “bridge” loans between construction financing and long term loans; hard money loans are often used for construction because longterm lenders may want finished and leased projects. Be aware that hard money lenders are not regulated by the Federal Reserve or the Office of Thrift Supervision. Therefore, the application process can be very different from a traditional loan from a bank.

    Steps Edit

    Part One of Three:
    Finding a Reliable Hard Lender Edit

    Research appropriate hard lenders in your area. If you are looking for a hard lender because you have been rejected by a bank, then you might be tempted to run to the first hard lender you can find to get your loan quickly. Resist this temptation and do your research first. Some hard lenders are genuinely interested in helping you finance your real estate project, but others are little more than loan sharks. [1] Ask yourself some of the following questions as you are assessing potential lenders:

    • Does this lender have a legitimate web site? Many hard lenders have web sites that are designed to simply gather your information before passing it along to a third party. Avoid these kinds of sites. [2]
    • Is the lender in good standing with its investors? Does the lender have any pending lawsuits from its investors over bad loans or foreclosed properties? If it it does, this can be a warning as to the financial health of the lender.
    • What types of projects has this lender financed in the past? For example, a lender who finances hospitality projects will not generally be comfortable with medical facility loans.
    • Does the lender have a staff member that you can meet and contact? Some hard lenders operate nationally, but you might prefer to find one who operates in your state locally. Many hard lenders will want to see the property you are planning to purchase firsthand.

    Consider the pros and cons of accepting a hard money loan. Hard money loans are designed to be short-term investments, generally lasting 12 months. Will you be able to refinance this loan in that time frame? [3]

    • Hard money loans also have higher interest rates than long-term loans; their interest rates generally range between 12 and 20 percent. Hard money loans will also include fees and closing costs that must be covered by the borrower.

    Evaluate the time frame for your loan. Hard money loans are generally granted far more quickly than bank loans. Most banks take longer due to the various requirements for information and the underwriting process, but private lenders can generally grant the loan within two weeks (if not sooner). If you need to finance a real estate project quickly, then a hard money loan can be a good option for you.

    Part Two of Three:
    Applying for a Hard Money Loan Edit

    Present the potential value of the property you want to purchase. In a hard money loan, you are financed based on the collateral value of the property, not your personal credit score. That means you will need to present documents such as architectural plans for the property, detailed budgets for construction, and your contractor bid sheets for repairs and renovations. [4] Note that these can apply to commercial projects as well as home buyers.

    • Hard money loans are sometimes given to first time home buyers, but they are commonly granted to developers who want to buy a property and then immediately sell it or refinance it. Hard money lenders want to know that the property and the location are a safe investment.
    • Be prepared to prove the value of the neighborhood and your particular property; what is the price of similar properties in this area? What is the history of the market in this neighborhood? What are its projections for growth? You should have this data available to show your lenders. Websites such as www.zillow.com, www.trulia.com and www.realtor.com can help you find this kind of information.
    • Having a history as a real estate developer will also help your chances for being approved. Show your lenders how you have succeeded in real estate projects in the past.

    Present a clear financial plan for your home project. Many hard money lenders will fund 60 – 70% of the after-repair-value (ARV) of the home; you will be responsible for funding the additional 30 – 40% of the additional cost. If you have this cash on hand, that will increase your chances of being approved for the loan. If you do not have the money to cover the additional 30 – 40% of the home’s value, then the lender might put a lien on another property that you own. [5]

    • Most lenders will prefer that you have 30 – 40% of the additional cost in hand rather than using another loan or a credit card to finance the difference.
    • This generally applies to individual homes, not to large commercial projects.

    Prepare additional documentation. Although most lenders are concerned with the value of the property you want to buy, they may also ask for your personal financial information. This might include documents such W-2s, paystubs, bank statements and other items in your credit history. You should be prepared to present all of this information to your lenders.

    Protect yourself legally. Before you sign any paperwork from a hard money lender, review the terms of the loan with your lawyer. Private investors are subjected to very few regulations, so you should make sure your legal interests are protected.

    • If your lender does not disclose any additional fees that might be included in the loan during your repayment schedule, this is a red flag. Be sure to ask if the loan agreement includes all fees. If they also do not include a detailed repayment schedule (including how much interest will accrue and how much of your payment will go toward the interest), then this is also a warning that it might be a bad loan. [6]
    • Speak with your lawyer about the loan’s impact on your personal liability. This not always required, depending upon project and the net worth of the borrowing entity, such as a corporation.

    Remain in constant contact with your lender. Hard money lenders want to see that you’re interested in this loan. Return calls promptly and give them the information they need in a timely manner. Hard money lenders keep less capital on hand than banks. If you delay in getting back to a hard money lender, they may lend their assets to another borrower.


    New tax system for self-employed will – seriously harm economy #money,self #employed


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    New tax system for self-employed will ‘seriously harm economy’

    26 March 2017 • 6:50am

    P lans to force millions of self-employed people to file multiple tax returns each year become reality from next week in the face of blanket opposition from taxpayers, business groups and senior political figures across all parties.

    Worst-hit will be the self-employed with turnovers of more than £85,000, who from April 2018 will have to file at least five returns per tax year. That will be in addition to regular VAT returns.

    Accountants predict that under the new regime – called making tax digital – those affected will face a tax deadline of one sort or other in most months of the year.

    The scheme begins this April with a pilot ramping up to include hundreds of thousands of businesses , according to the Treasury.

    Individuals and landlords with turnovers lower than £85,000 were given a reprieve in the Budget earlier this month. They will only move into the system from April 2019, Philip Hammond said.

    Groups representing creative arts, farmers, landlords and small businesses across other sectors have attacked both the plans and the rapid timetable of introduction, even with this Budget concession.

    Michael Grade, former head of ITV and Conservative peer, told the Sunday Telegraph. The creative sector of our economy drives social mobility, jobs, exports and tax revenues. Now HMT has come up with the idea of making all their lives impossible with a new system for filing their tax returns on a quarterly basis. I can find no evidence from any informed source that this is anything but damaging to our creative population.

    T he National Union of Farmers, the Residential Landlords’ Association and a number of representatives of the accounting profession are also among those objecting to the plans.

    The Federation of Small Businesses says HMRC has significantly underestimated the costs to business and wants the new regime to be on an opt-in basis.

    Earlier this month an influential House of Lords committee, whose members include former chancellor Norman Lamont, added its criticism, saying the Government’s proposals were based on fragile and inadequate evidence.

    Leftwing tax academic Richard Murphy, Professor of International Political Economy at City University in London, said this attack on the self-employed was the latest in a series of moves aimed at cutting costs at HMRC.

    HMRC has clung to a naive belief stemming from the Blair era that technology can solve all problems, he said. This policy will be whacking those who are already complying with tax rules or at least partially complying, rather than going after that large population who aren’t paying tax at all.

    By Prof Murphy’s calculations quarterly reporting will cost businesses several days of lost work per year. This will deliver a hit to GDP with no benefits at all to the Exchequer, he said. The tax authorities are entirely out of touch with how businesses work.

    A leading accounting group, Smith Williamson, put the cost per small business client at around £2,000 per year.

    H MRC argues the shift will be coupled with software which will assist businesses make efficiencies.

    The Treasury maintains Mr Hammond’s delay by one year for 3m smallest businesses addresses critics’ concerns.

    It said quarterly returns will be light-touch, including only summary information, and will be produced direct from the business’ digital records.

    It maintains the reason for implementing the change is to capture tax lost to errors made by small businesses, which it estimates would mount to £8bn per year by 2019-20.

    A spokesman said: HMRC published its impact assessment for the programme in January outlining that there will be an average one-off transitional cost of £280 per business, followed by small ongoing annual savings. This is in addition to the benefit to businesses of having a clearer in-year view of their tax position and more confidence they have got their tax right.


    Online Course: Excel 2016 – Certificate and CEUs #editing #certificate #online, #excel


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    Online Class: Excel 2016

    Course Description

    Microsoft Excel is a spreadsheet program that comes packaged with the Microsoft Office family of software products. Just like the other programs by Microsoft, Excel can be used for a wide variety of purposes such as creating an address book, grocery lists, tracking expenses, creating invoices and bills, accounting, balance checkbooks and other financial accounts, as well as any other purpose that requires a spreadsheet or table.

    This course will cover the many features of Excel 2016 and will teach you how to use them, starting with the simple and working to the most complicated. The good news is that Excel 2016 makes everything easy. By learning how to navigate the program and where to find each feature, operating Excel can become a breeze.

    This course will teach you how to:

    Create a spreadsheet

    Format cells, rows, columns, and entire worksheets so they fit and match your data

    Enter data into a spreadsheet

    Use formulas and functions for math, accounting, and totaling.

    Create formulas and functions

    Calculate data

    Create charts and diagrams for your data

    Create data lists and forms

    Create and use pivot tables and pivot charts.

    Work with Excel templates

    Share and protect your worksheets and workbooks

    Use What-If Analysis to determine possible outcomes. For example, sales goals

    And much more

    This course was designed to teach you skills you’ll need to successfully use Excel 2016. Each lesson contains instructions and illustrations to show you how to use the features, then walks you through step-by-step so you can see how everything is done. You don’t need previous experience with Excel to be able to complete this course. This course will start with basic skills, then move forward to more advanced features and techniques. Although you do not need access to Excel 2016 for this course; it is highly recommended. A free trial of Excel 2016 is available on the Microsoft website.

    7/3/2017 11:39:52 AM

    Lesson 1: Introduction to MS Excel 2016

    Excel can be used for a wide variety of purposes such as creating an address book, grocery lists, tracking expenses, creating invoices and bills, accounting, balance checkbooks and other financial accounts, as well as any other purpose that requires a spreadsheet or table.

  • Lesson 2: Navigating Excel 2016

    In this lesson, we’re going to focus on the major elements of Excel 2016 and take a few minutes to become familiar with their purpose.

  • Lesson 3: Worksheets and Workbooks

    Worksheets are stored in workbooks, and workbooks are the files that you actually save.

  • Lesson 4: Entering Information into MS Excel 2016

    Starting to enter information is as simple as clicking on a cell in the spreadsheet and typing, but there are some things that are helpful to know – and that you can do – before you ever type that first letter or number.

  • Lesson 5: Introduction to Working with Cells, Rows, and Columns

    If you want to move data from its original location and relocate it somewhere else, you must cut the data, then paste it somewhere else. You can cut or copy cells, rows, columns, or entire worksheets.

  • Lesson 6: Formatting Data and Cells

    Taking the time to format a worksheet can take it from the black and white page of data and gridlines to something that looks professional and attractive.

  • Lesson 7: Formatting Rows and Columns

    In Excel 2016, the width of a column is determined by how many characters that can be displayed within a cell.

  • Lesson 8: Editing Cells, Rows, Columns, and Worksheets

    Excel 2016 makes creating – and editing – spreadsheets a lot easier because correcting errors is easy mess free.

  • Lesson 9: Introduction to Formulas and Calculations

    If you use spreadsheets to do accounting for a business, track totals, invoice customers, or anything that requires mathematics, Excel’s ability to calculate formulas is going to save you errors and headaches.

  • Lesson 10: Working with Formulas and Functions

    In Excel, a function is a predesigned formula that does a certain calculation. This can make it easier because you don’t have to construct every formula yourself.

  • Lesson 11: Maintaining Worksheets

    It’s important to learn how to maintain your worksheets to help you keep on top of all the information.

  • Lesson 12: The What-If Analysis

    A what-if analysis lets you explore possibilities by entering possible values into the same equation so you can see the possible outcomes in the cells of your spreadsheet.

  • Lesson 13: Adding Images and Graphics

    You’ve already learned how to format a worksheet and enter information into Excel. Now we’re going to show you how to add elements such as graphics and images.

  • Lesson 14: Charts and Diagrams

    Charts and diagrams are tools you can use to visually represent the data in a worksheet.

  • Lesson 15: Creating Data Lists

    A data list or a database table are types of worksheets that aren’t used to calculate values, but to store information, such as names and addresses of clients or perhaps a library of books.

  • Lesson 16: Managing Data

    A form is simply a dialog box that lets you display or enter information one record (or row) at a time. It can also make the information more visually appealing and easier to understand.

  • Lesson 17: Pivot Tables and Pivot Charts

    A pivot table sounds more difficult and confusing than it really is. Most people say they don’t like pivot tables, or they don’t understand them. In truth, they’re not that difficult at all.

  • Lesson 18: Printing Worksheets and Workbooks

    Headers appear at the top of a worksheet. Footers appear at the bottom. Both can contain page numbers, and headers often contain the title of the worksheet and perhaps the date.

  • Lesson 19: Templates

    Templates are worksheets that are already designed for you.

  • Lesson 20: Protecting, Saving, and Sharing Workbooks

    Add protection to worksheets so that they can’t be edited by other people. You can lock cells or an entire worksheet.

  • Additional Course Information

    • Document Your Lifelong Learning Achievements
    • Earn an Official Certificate Documenting Course Hours and CEUs
    • Verify Your Certificate with a Unique Serial Number Online
    • View and Share Your Certificate Online or Download/Print as PDF
    • Display Your Certificate on Your Resume and Promote Your Achievements Using Social Media

    Course Title: Excel 2016

    Course Number: 8900368

    Languages: English – United States, Canada and other English speaking countries

    Course Type: Computer Skill

    CE Accreditation: Universal Class, Inc. has been accredited as an Authorized Provider by the International Association for Continuing Education and Training (IACET).

    Grading Policy: Earn a final grade of 70% or higher to receive an online/downloadable CEU Certification documenting CEUs earned.

    Assessment Method: Lesson assignments and review exams

    Instructor: UniversalClass Staff Instructor

    Duration: Continuous: Enroll anytime!


    Save Money With Package Deals #about #hospice

    #toronto motel

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    Save Money with Package Deals

    The only thing better than travelling is saving money when travelling. With package deals, you can stay and play in Toronto for one low price. And now with the Canadian dollar trading at approximately $.70 on the U.S. dollar, it s an even better time for Canadians to travel here and great value for Americans. Find a currency converter .

    Looking to shop, go see a live theatre show, or relax at the spa while in town? Many of our partner hotels feature packages with discounts and gift cards for these and other popular activities. Or how about free parking, wi-fi, and discounted room rates?

    Save on your family vacation or romantic getaway with specific discount deals for families and couples. The more money you save on your hotel, the more you can spend on the events and experiences that truly matter.

    New packages are available all the time so you never know what you’re going to find until you look!

    Search Package Deals

    Browse dozens of package hotel deals to find the one that works for you. Simply enter the planned dates of your trip and click “Search.”

    Featured Events:

    Toronto Theatre Guide

    From Tony™ Award-winning musicals to Broadway blockbusters to knee-slapping comedy, this is a theatre line-up worthy of a standing ovation.

    Toronto International Film Festival

    September 8 to 18: The TIFF is the biggest and brightest public film festival on the planet. See our TIFF guide .





    Forensic Accounting in India #forensic #accounting #india, #frauds, #forensic #accounting #software, #journal


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    Indiaforensic leads the forensic accounting certification market with 7 certification programs in digital banking, investigative accounting, compliance and money laundering. The certified members are working in 500+ MNC brands in 11 different countries. Click here to see the snapshot of the performance of Indiaforensic Certifications.

    Certified Anti Money Laundering Expert is the benchmark program offered by the Indiaforensic Center of Studies. This course is updated frequently. CAME is now offered globally along with the revised handbook on Money Laundering

    Money Laundering techniques are continuously changing and virtual currencies also play a significant role in facilitating money laundering. Indiaforensic Research on Laundering with Digital Currencies explain the new techniques.

    This is a global program on stock market and accounting frauds across the world. This is a classic course which explains classification of the cons and tricks related to stock markets and provides modus operandi of numerous cases. Information about the Certified Stock Market Frauds Professionals is available here

    Con-vey is a series of surveys on Cons in India. Con-vey is a privately funded research activity. Convey-2007 was the first study ever carried out to find out the impact of cons on Indian Banking Industry. This survey is first in the series. You can also read about the status of forensic accounting in India – which depicts the clear picture of the forensic accounting community in India

    With Effect from 1st October’2008, Indiaforensic has launched the University Program for those Universities in the Asian Countries who wish to include forensic accounting in their curriculum. The course will be provided absolutely free* to the members of Indiaforensic. Know more

    Indiaforensic Student Program is launched on 1st January’2009.Those who are interested in the forensic accounting activities can be a part of Indiaforensic student chapters. Know More

    Corporate training programs are conducted for the organisations that wish to provide certification and trainings to 10 or more employees. We provide the customised training programs on the subject of forensic accounting, banking scams as well as computer forensic.

    Certified Forensic Accounting Professional: Get the Indian Forensic Accountants Manual with this invite only program. Check out for waiver of examination also termed as the Grandfathering option for experienced professionals.

    What is Forensic Accounting. Forensic Accounting is the combination of the Accounting, Auditing and Investigation skills

    Forensic Accounting Education

    We offer educational programs through Indiaforensic – pioneering organisation in forensic accounting education. Indiaforensic is engaged in the activities of research and education related to forensic accounting and fraud investigation. Syllabus offered by Indiaforensic Center of Studies in now approved by the Solapur University and the University Certifications are available through our partners – Fraudexpress. Totally there are five certifications offered by Indiaforensic

    Banking Forensic Accounting

    The course on Bank forensic accounting is solely dedicated for the banks in India. This course is also recommended by the Maharashtra Co-operative department to the co-operative banks in Maharashtra. This is the first course in India to focus on Fraud Prevention, detection and Investigations in the banking sector. Get the professional knowledge on the scams in the Indian companies and also join the team of the elite professionals who are helping the companies to combat the frauds in the corporate sector. Read more.

    Indiaforensic has launched the Technology banking fraud specialisation for the professionals in technology banking. Read More .

    Insurance Frauds in India

    With the aim of providing the best education on forensic accounting and investigation techniques, Indiaforensic commenced the certification program on Insurance scandals in the year 2012. This course is based on the Research on the Insurance Frauds in India, which claimed that Indian insurance companies could be losing $6.25 Billion to scandals. Find more information about the course .

    Information Technology Frauds in India

    With the growth of BPO/KPO, India witnessed boom of the technology sector. Indian IT sector has witnessed variety of frauds from complex Financial statement tricks to simple data theft. This course consolidates the concepts and cases related to IT sector frauds in India. Get more information about this program. Certification through waiver is also possible on completion of certain criterion. Read more

    Indianveshan

    Nationwide search for the excellence in combating the frauds. Kindly submit us your nomination for this nation-wide contest. Submit the cases where you have investigated, detected or prevented the major frauds. We donot require the names of the organisations we need methodologies to combat the frauds. Read more

    E-Cop Awards

    In the 3rd Annual Antifraud conference hosted by Indiaforensic, Then-DIG VV Lakshminarayana mentioned the importance of the partnering with private sector forensic accountants. Indiaforensic decided to felicitate the economic cops who have contributed exceptionally in the forensic accounting domain. Read more

    Also read

    • Know details of the Computer forensics profession in India Read more
    • Free E-learning Course on Forensic Accounting in India Start Now
    • Arise Awake – Book by acclaimed author, Rashmi Bansal, Features the story of Apurva Joshi, Director of Riskpro
    • Understand the Value of Certification for AML professionals before you Register
    • Adding CFAP after your name Read More

    Quick Links:


    Army Tuition Assistance #money #for #school,army


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    Education

    Army Tuition Assistance

    The Army offers Soldiers several programs to support their education goals including 100% Tuition Assistance for college courses taken during off-duty hours.

    Soldiers eligible for TA must have successfully completed one year of service following graduation from Advanced Individual Training (AIT). All Soldiers must have ten years of service to receive graduate level TA if any portion of their undergraduate degree was paid through TA.

    The Army will no longer pay fees such as laboratory and course fees. Also, TA requests must be submitted and approved before the start date of the class, without exception. Reimbursement will be required from the servicemember if a successful course completion is not obtained.

    For more information, visit your base education center and speak with education services specialist.

    Army Tuition Assistance Overview

    Army Tuition Assistance (TA) provides financial assistance for voluntary off-duty education programs in support of a soldier’s professional and personal self-development goals. The program is open to nearly all soldiers (officers, warrant officers, enlisted) including Army Reserve, and Army National Guard on active duty.

    There are some restrictions to who may use Army Tuition Assistance and what courses it can be used for. Download AR 621-5 (Army Continuing Education System Regulations) to get further details.

    The maximum amount paid for tuition assistance: 100% Tuition and and authorized fees charged by a school up to the established per semester hour cap for up to 16 semester hours of TA funded courses per fiscal year:

    Current Army policy limits TA to 130 semester hours of undergraduate credit or baccalaureate degree, whichever comes first and 39 semester hours of graduate credit or masters degree whichever comes first. The 39 semester hour limit applies to all credits taken after completion of a baccalaureate degree.

    Further details regarding TA procedures are outlined in GoArmyEd Training.

    For general information about the Army’s automated TA process, visit www.GoArmyEd.com .


    Mortgages & Home Loans – Refinance & Interest Rate Calculators #bank #check


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    CHECK MORTGAGE RATES

    TODAY’S RATES

    MORTGAGE NEWS

    CALCULATORS

    SEARCH RATES

    MORTGAGE ARTICLES

    Traditional mortgage down payments have always been 10 to 25 percent of the total purchase price of the property.

    Mortgages default every day in the world and they are just a normal part of the business for mortgage lenders. There are a certain number of mortgages that will default every year and it is planned for accordingly. While it is common business practice for lenders, it can be devastating for you individually. If you default on a mortgage, it can ruin your credit and your financial outlook for the future. Mortgage default is a major setback for you, but it is not the end of the road. If you are faced with a default on your home, you can take measures to get back in good standing with the lender.

    The content on this site is provided for informational purposes only and is not legal or professional advice. Advertised rates on this site are provided by the third party advertiser and not by us. We do not guarantee that the loan terms or rates listed on this site are the best terms or lowest rates available in the market. All lending decisions are determined by the lender and we do not guarantee approval, rates or terms for any lender or loan program. Not all applicants will be approved and individual loan terms may vary. Users are encouraged to use their best judgment in evaluating any third party services or advertisers on this site before submitting any information to any third party.

    Mortgage101 is an Internet Brands company


    International Account #international #bank #transfer, #global #money #transfer


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    International Bank Transfer and Global Money Transfer

    The quick and easy way to manage your money

    Moving your money around the world should be straightforward, and with Citi International Personal Bank it is. With Citi International Personal Bank’s international banking services, you can make a global money transfer safely and quickly by choosing from our wide range of options below.

    Moving money into your account

    If you want to make an international money transfer into your account you can do so quickly and easily by providing the appropriate information to your current bank. For a list of these details see the ‘transferring funds internationally’ documents, on our
    fees and important documents page.

    Transfer up to £25,000 a day online

    We’ve increased the transfer limit from £10,000 to £25,000 per day for online payments.

    Transfer up to £25,000 via Citi Online or by using the Citi Mobile® UK app.

    When using the Citi Mobile® UK app you’ll need to have already registered the payee on Citi Online to transfer up to this limit.

    Citibank Global Transfers

    SWIFT

    SEPA

    BACS

    CHAPS

    Citibank Global Transfers allow you to set up an international bank transfer instantly and fee free between Citibank accounts in over 20 countries across the world.

    Funds are debited from your account straightaway and can be used immediately in the recipient’s account.

    International Money Transfer and International Money Transfer services

    Provided you have a Citi Debit Card you can use Citibank Online to make an international money transfer to other Citibank accounts free of charge to over 20 countries. You can also use Citibank ATMs or arrange Citibank Global Transfers through your Citi International Personal Bank Relationship Manager .

    Countries included in the Citibank Global Transfer service:
    • Australia
    • Bahrain
    • China
    • Colombia
    • Hong Kong
    • India* (selected locations)
    • Indonesia
    • Taiwan
    • Thailand
    • UAE (United Arab Emirates)
    • United Kingdom
    • USA (selected locations)
    • Vietnam

    *Changes affecting Citibank Global Transfers (CGT) to India: Due to a change in policy from Citibank India, effective from 1st February 2016 you can no longer make a CGT to a Citibank India domestic (Savings) account. CGTs to Non-Resident Indian (NRI) accounts are not affected by this change in policy. Read more

    You can still transfer money quickly and conveniently to domestic accounts in India via an International SWIFT funds transfer. A fee may be charged for each transfer, for more detailed information on fees see our fees schedule

    If you are unsure whether you are paying into a domestic or NRI account, please check with the recipient account holder.

    Changes affecting Citibank Global Transfers (CGT) to the Czech Republic: Citibank Czech Republic has been sold to Raiffeisenbank, therefore from 28th February 2016 CGTs to Citbank Czech Republic will no longer be possible.

    ** Please note: Citi Japan has been sold to Sumitomo Mitsui Banking Corporation (SMBC) therefore from 1st November 2015 clients will only be able to transfer money through this service if the Citibank account in Japan was opened prior to this date.

    You can still transfer money quickly and conveniently to accounts in India or the Czech Republic via an International SWIFT funds transfer. Please refer to our Fee Schedule on the fees and important documents page for more detailed information on fees.

    Make the most of our international money transfer services

    Already a client?

    Interested in joining us?

    Our SWIFT Funds Transfer service is suitable if you want to make a global money transfer to a country that is not part of our Citibank Global Transfers service, as money can be sent to most countries in most currencies.

    An international bank transfer via SWIFT Funds Transfers usually clears within five working days. A fee is charged for each transfer and Citibank exchange rates may apply. For more detailed information on fees see our fees and important documents .

    SWIFT Transfer and SWIFT Number

    Making a SWIFT Funds Transfer

    Ensure you have the following information to hand before requesting a SWIFT Funds Transfer through your Relationship Manager :

    • The Citi International Personal Bank account number you wish to transfer funds from.
    • The amount and currency you wish to transfer.
    • The BIC (Bank Identifier Code)/SWIFT Number (Code) and IBAN (International Bank Account Number, in a European country) of the account you are transferring funds to. You will need to ask the payee for this information.
    • Full name and address of the beneficiary bank.
    • Correspondent bank details for payments in currencies different to that of the receiving country e.g. if you are paying US Dollars to the UK. Some foreign currency transfers need an additional transfer bank account, which is Citibank UK’s clearing, or correspondent bank for that currency.

    For more information on how to make a SWIFT Funds Transfer, refer to the transferring funds information for London and Jersey, on the fees and important documents page.

    Please note: To view the SWIFT Funds Transfer fees please refer to our Fee Schedule on the fees and important documents page.

    Find out about making SEPA payments with our international banking services.

    Take advantage of SWIFT Funds Transfers

    Already a client?

    Interested in joining us?

    Important information

    Please note, in certain circumstances we will contact you to confirm your request before processing it – e.g. if you are making a withdrawal for a large sum of money. This is to maintain the security of your account and is designed to protect your interests.

    Costs may be incurred when transferring funds from another bank. Citi International Personal Bank does not apply a fee for receipt of incoming funds.

    Transfer funds electronically within the UK on the same day with CHAPS Transfers.

    CHAPS Funds Transfers can be arranged via your Relationship Manager for a competitive fee – for more information on fees see our fees and important documents .

    CHAPS Funds Transfers

    If you wish to send a CHAPS payment within the UK, please provide your Relationship Manager with the following information:

    • The full account name of the person or company you wish to pay
    • The name of their bank, branch and 6 digit sort code
    • Their bank account number
    • The amount to be paid
    • Payment reference (if required)

    For more information on how to make a CHAPS transfer, as part of our offshore banking services, please refer to the ‘transferring funds internationally’ documents for London and Jersey, on our fees and important documents page.

    Take advantage of CHAPS Funds Transfers

    Already a client?

    Interested in joining us?


    Electrician – Career Rankings, Salary, Reviews and Advice #money, #careers, #salary, #best


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    Electrician Overview

    Overview

    Electricians know the ins and outs of designing lighting systems, installing street lights and intercom systems, ensuring electrical work is up to code and repairing electrical wiring. Electricians must go through at least four years of training as an apprentice, followed by the licensing their state requires. Most in the profession specialize in either designing, installing, maintaining and repairing the motors, equipment and electrical systems of businesses and factories or installing, maintaining and repairing the electrical systems of residences.

    “I like to work on projects that have complex systems, such as water and wastewater treatment facilities,” says Ryan Lee, a journeyman electrician and crew leader with the Ohio-based company Claypool Electric. “I am kind of a perfectionist, and these types of facilities require a great deal of accuracy to ensure that tasks are done accurately.”

    There are other subsets, like electricians who specialize in iron and steel mills, or electricians who coordinate the lighting for a motion picture or television program. According to the Bureau of Labor Statistics, the most stable employment is for electricians who work for businesses and factories. And this is a profession where employment is expected to blossom. Installing alternative energy sources in homes and businesses requires coordination with electricians, and these professionals are still needed to maintain older electrical systems. The BLS predicts this occupation will grow by 14 percent by 2024, which translates to 85,900 new positions.

    Quick Stats

    $51,880 Median Salary

    5.7% Unemployment Rate

    85900 Number of Jobs

    Rankings

    Electricians rank #2 in Best Construction Jobs. Jobs are ranked according to their ability to offer an elusive mix of factors. Read more about how we rank the best jobs.

    Electricians are ranked:

    Salary

    In 2015, the mean wage for an electrician was $55,590. The highest-paid earned $88,130, while the lowest-paid electricians earned around $31,410 that year. An apprentice usually makes between 30 percent and 50 percent less than someone who is fully trained. The highest-paying jobs are located in California in the metropolitan areas of San Francisco, San Rafael and Oakland.

    75th Percentile. $68,540

    25th Percentile. $38,990

    How much do Electricians make in your city?

    See current salary offers for jobs in this field

    Training

    The job of an electrician is physically demanding and can be very dangerous if it’s not done correctly. That’s why a good training program is imperative. Some choose to attend a technical school before entering their apprenticeship program, although this isn’t required. And most program entrants are at least 18 years old and have a high school diploma or equivalent. However, not everyone enters the field at a young age.

    Martin Messerly, another employee with Claypool Electric who had previously worked nearly three decades as a journeyman mean cutter, says, “I never knew there would be a way for me to become a state-certified journeyman electrician at this point in my life. I always thought that it was something that you had to do right out of high school. Now, I just finished my fourth year of apprenticeship training, and with a few more [on-the-job training] hours, I will be a state-certified journeyman electrician.”

    Job Satisfaction

    Average Americans work well into their 60s, so workers might as well have a job that’s enjoyable and a career that’s fulfilling. A job with a low stress level, good work-life balance and solid prospects to improve, get promoted and earn a higher salary would make many employees happy. Here’s how this job’s satisfaction is rated in terms of upward mobility, stress level and flexibility.

    Upward Mobility. Below Average
    Opportunities for advancements and salary

    Stress Level. Above Average
    Work environment and complexities of the job s responsibilities

    Flexibility. Below Average
    Alternative working schedule and work life balance

    Similar Jobs


    Online Course: Effective Communication 101 – CEUs and Certificate #communications #class #online,


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    Effective Communication 101

    Lesson 1: Recognizing and Understanding Communication Styles

    This lesson will help recognize four of the major communication styles. Each style serves a different purpose, and you will be able to identify those and understand which is the most effective.

  • Lesson 2: Verbal Communication

    This lesson will break down verbal communication into various subcategories. It will help to find key areas for improvement when misunderstandings arise.

  • Lesson 3: Nonverbal Communication

    This lesson will help you learn to use nonverbal cues to better understand others. Likewise, you can hone these skills to be sure you are effectively communicating your ideas.

  • Lesson 4: Communicating in Writing

    This lesson will address the different components of written communication. It will enable individuals to use writing to maximize their ability to communicate for personal and business reasons.

  • Lesson 5: Cultivating Conversational Skills

    This lesson teaches the most important skills required to use conversation as an effective form of communication. Mastering conversational skills makes you more interesting, and more likely to truly experience two-sided communication.

  • Lesson 6: Group Communication

    In this lesson, you will learn more about group dynamics and how to use them to your advantage. Groups have very specific ways of interacting, and anticipating this can be invaluable in making sure the group actually is effective.

  • Lesson 7: Communications Technology

    In this lesson, you will learn more about the technology currently available to make communication faster and easier. You will also learn what kinds of repercussions this access to instant communication has on business and personal relationships.

  • Lesson 8: Barriers to Communication

    The goal of this lesson is to learn to recognize where there might be breakdowns in communication. By knowing what problems you are facing, you are more prepared to avoid them altogether.

  • Lesson 9: Cultural Aspects of Communication

    In this lesson, you will learn about the field of cross-cultural communication. You will discover what types of barriers to expect, and what you can do to overcome them.

  • Lesson 10: Disagreements and Conflicts

    In this lesson, you will learn how to handle disagreements before and after they occur.

  • Lesson 11: Negotiation

    In this lesson, you will learn the basics of negotiation. It will also pull together some of the skills you have learned throughout this course and show you how to utilize them to reach a specific goal.

  • Lesson 12: Constructive Criticism

    In this lesson, you will learn how to offer and receive constructive criticism. You will also learn the dynamics of the critical relationship.

  • Additional Course Information

    • Document Your Lifelong Learning Achievements
    • Earn an Official Certificate Documenting Course Hours and CEUs
    • Verify Your Certificate with a Unique Serial Number Online
    • View and Share Your Certificate Online or Download/Print as PDF
    • Display Your Certificate on Your Resume and Promote Your Achievements Using Social Media

    Course Title: Effective Communication 101

    Course Number: 7550121

    Learning Outcomes

    By successfully completing this course, students will be able to:

    • Recognize and describe various communication styles.
    • Define verbal communication.
    • Define nonverbal communication.
    • Demonstrate proper techniques when communicating in writing.
    • Demonstrate techniques for improving conversational skills.
    • Demonstrate techniques for improving group communication.
    • Describe techniques for improving communications with technology.
    • Define barriers to communication.
    • Compare and contrast cultural aspects of communication.
    • Describe communication strategies to resolve disagreements and conflicts.
    • Describe negotiation strategies.
    • Describe how to receive and deliver constructive criticism, and
    • Demonstrate mastery of lesson content at levels of 70% or higher.

    Related Courses

    Follow Us Online

    Copyright 1999-2017 Universal Class All rights reserved.


    Arizona Personal Injury Attorneys #personal #injury #lawyer, #injury #lawyer, #accident #lawyer, #accident


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    Zanes Law

    Tucson Phoenix Personal Injury Lawyers

    The Zanes Law injury lawyers have helped clients recover tens of millions of dollars on their personal injury claims. Over the years, we have helped thousands of clients on everything from normal everyday car accident claims to extremely complex wrongful death claims. We take an aggressive approach to how we represent our clients because we care deeply about them and understand that we are here to fight for them. Our personal injury lawyers are some of the best in Arizona and have helped clients on a variety of injury cases, which include car accidents, truck accidents, bicycle accidents, motorcycle accidents, wrongful death claims, and more. We are personal injury attorneys and car accident lawyers with years of experience.

    SERVING TUCSON, PHOENIX MORE

    We are an Arizona personal injury law firm with offices in Tucson and Phoenix, but we help clients nationally. So regardless of your location, we can help you on your personal injury or car accident case. Our Tucson and Phoenix personal injury lawyers are here to help you, regardless of where you live.

    TUCSON PHOENIX CAR ACCIDENT LAWYERS

    If you drive a car, unfortunately sooner or later you will be involved in a car accident. At least that is what the statistics show. If and when that happens, Please call a Zanes Law Phoenix car accident lawyer or Tucson personal injury attorney so that we can help you. This is important. It is important that you have a Phoenix personal injury attorney or a Tucson car accident lawyer who has the experience to get you the compensation that you deserve. Hiring the right personal injury lawyer will help to ensure that you get the highest compensation possible. Although there are many car accident law firms and personal injury lawyers to choose from, it is the Arizona car accident lawyers at Zanes Law who have a proven track record of success. Our personal injury lawyers strive to provide our clients with the best possible representation and our car accident lawyers have successfully helped thousands of clients.

    4 WAYS WE CAN HELP YOU AFTER YOUR ACCIDENT

    The attorneys at Zanes Law have helped thousands of injured people make smarter, more confident legal decisions so that they are made whole after an accident. Today it’s your turn.

    Do you have questions or concerns about health insruance, providers, and covering medical costs?

    Medical Bills

    Medical bills caused by an auto accident are a cost that should be covered by your injury settlement. If you have health insurance, you should present your insurance card to all medical providers so they will bill your health insurance. If you do not have health insurance, you will need to find a medical provider that will treat you on a lien. This is something that Zanes Law can help you with.

    *Treating on a lien: This means that you will not be charged any up-front costs for treatment and the provider will be compensated upon your settlement. This provider would require payment for their services before you receive your proceeds from the claim.

    Property Damage Insurance

    Car rentals: If you have rental car coverage through your insurance carrier, you should request your car rental through them. It’s usually an easy process and your insurance will be reimbursed if liability is accepted by the adverse party. When you do not have rental coverage, you will have to wait until liability is established with the other driver’s insurance.

    Property damage: Open a property damage claim with your insurance company (even if the accident is not your fault). If you have collision coverage on your insurance, your insurance company will fix your car and will work with the other car’s insurance to ensure they cover the costs. Please note, you may be required to pay your deductible up-front if liability has not yet been established. Once it is, your insurance company will be able to get your deductible back and reimburse you. Click here for information about property damage after a car accident.

    Bodily injury: Injury claims are completely different than property damage claims. If you are injured due to a car accident, we recommend you consult with a personal injury lawyer or accident lawyer to open your bodily injury claim for you. If you were injured in the accident, you need to seek medical care immediately and you need to speak with a personal injury attorney as soon as possible. If you are injured and choose to speak with the insurance adjuster on your own, you must make it clear to the adjuster that you are in fact injured. However, our advice is that you seek the assistance of a personal injury attorney and that you limit the conversations that you have with the insurance adjuster. Let your personal injury attorney handle all of these conversations on your behalf.

    Lost Wages Compensation

    Lost wages: If your accident has caused you to miss time from work, you are entitled to some type of compensation through your injury claim. You should document all time you took off and keep all doctor’s notes that justify your time off.

    Pain and Suffering: This is a term used in the legal industry that refers to emotional and physical stress, as well as the actual physical pain, caused by a car accident. Injury victims are entitled to compensation for pain and suffering.

    Overall compensation: Settlement amounts are directly correlated to the facts of a particular case. Some factors that determine a settlement amount are: types of injuries sustained, how long the individual sought medical treatment, total amount of medical bills, future medical bills, and many other factors. We recommend that you contact the personal injury attorneys at Zanes Law in order to find out what the actual value of your claim is.

    Everything

    Bills, property damage, medical treatment, insurance, lost wages, and compensation.

    If all of the above are concerning you right now, we recommend you speak to a personal injury attorney to answer your specific questions. Yes, a personal injury attorney. Not a general attorney who practices all case types. A personal injury attorney works on these cases all day, everyday and is more experienced when it comes to injury claims. An accident attorney can assist with motorcycle accidents, trucking accidents, construction accidents, premise accidents, bicycle accidents, mass torts, burn injury and class action lawsuits to name a few.

    Arizona Law Offices

    4222 E. Thomas Rd. #230
    Phoenix, Arizona 85018
    United States
    Phone: 602.999.9999
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    Fighting fit to raise money for Prospect Hospice (From Swindon Advertiser) #bath

    #prospect hospice

    #

    Fighting fit to raise money for Prospect Hospice

    FITNESS fanatics will be turning punches into pounds in a sponsored combatathon for Prospect Hospice tomorrow.

    Around 30 body-combat enthusiasts plan to kick out for cash at the DW Sports gym at the Orbital Centre in north Swindon.

    The group, who use fighting techniques as part of an exercise class, will be joined by instructors Lorraine, Tammie and Nat, when they stage their sixth annual charity Combatathon.

    They will be putting themselves through a gruelling four hours of action from 8.30am, in the hope of matching the £4,000 that they raised last year for their local hospice.

    Organiser and participant Jo Kearsley, from Swindon, is looking forward to taking part in this Saturday’s event, which will also include an additional half-hour session of new exercise programme CX.

    She said: “It will be very tough, but we will be looking again this year to raise as much as possible in sponsorship for Prospect Hospice.

    “As is the case for so many people who live locally, a lot of those taking part will have a close connection with the hospice, and that will inspire us all.”





    How to fund your long-term care – a beginner’s guide – Money

    #long term care

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    How to fund your long-term care – a beginner’s guide

    People often have to make quick and difficult decisions about their own or a loved one’s care needs. Thinking about the options in advance will help in the long run.

    This all depends on your health and mobility, what level of help and support you need and the value of your savings, assets and income.

    You could end up paying for all of it, some of it or nothing at all.

    NHS continuing healthcare

    If you have a disability or complex medical problem, you might qualify for free NHS continuing healthcare (CHC) if you’re an adult, or free NHS continuing care (CC) if you’re under 18. Not many people know about it, so it’s important to find out if you’re eligible and get an assessment.

    This is a package of healthcare that’s arranged and funded by the NHS. It is provided for you at home, or in a hospital, nursing home or hospice.

    You’re more likely to qualify if you have mostly healthcare needs rather than social care needs. In other words you need a nurse rather than a carer.

    If you live in Northern Ireland, Continuing Health Care is provided by your local Health and Social Care Trust.

    Local authority funding for long-term care

    Your local council (or Health and Social Care Trust in Northern Ireland) may be able to help you with the costs of residential care.

    If you prefer, they can help you stay in your own home by providing support for carers, equipment and specialist services.

    Exactly how much funding you receive will depend on:

    • your individual needs (based on a care needs assessment)
    • how much you can afford to pay towards the costs of care yourself (based on a financial assessment)

    Your local authority or trust can arrange care services for you or you can choose to receive direct payments and organise things yourself.

    Self-funding your long-term care

    The biggest fear about funding long-term care is that you’ll be forced to sell your home. Fortunately, there are other options available.

    Depending on your circumstances you may not qualify for funding from the NHS or your local authority.

    Even if you do, the amount you receive may not be enough to completely cover your care costs. If this happens you’ll need to think about how you’re going to top up any contributions or pay for it all yourself.

    Claim the benefits you’re entitled to

    Even if you have to pay for care you may still be entitled to claim some benefits.

    These two benefits aren’t means tested, so you could get them if your health needs are great enough and you have income and savings:

    • Attendance Allowance
    • Personal Independence Payment (which is replacing Disability Living Allowance)

    There are other benefits that you may also be able to claim depending on your circumstances.

    Share this article

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  • Managing direct payments to pay for the care you need





    Invoice Factoring -an advance on money due to you from a business


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    Invoice Factoring

    Its what your looking for

    What is factoring:

    Invoice factoring is essentially an advance on money / cash due to a business, by means of the sale of the invoices to a bridging company. This is not a loan against invoices but an outright sale of selected invoices ( one or many ) or the full debtors book, to a bridging finance company, but with recourse to the seller of the full invoice value.

    Why use single invoice factoring or selective invoice discounting

    This is a very simple and reasonably quick method (within 2 weeks of receipt of all documents) used by businesses to improve cash flow or working capital as and when needed. There is no lock in period and no penalty for early settlement. You elect to bridge one or a few invoices not the entire debtors book.


    Costs Once

    Once off set up fee of approx 3 % to 5 % depending on the size of the invoice bridging required. Monthly cost of between 4,5 % and 6 %

    Pre-Conditions to Discount Invoices:
    The goods /services must have been delivered / rendered and the customer must have accepted the goods / services with no pending disputes. The company requesting the bridging should be profitable and have a clean credit record.

    We use this Mass eMailing system.
    Click the logo below for a free, no obligation trial.


    Fighting fit to raise money for Prospect Hospice (From Swindon Advertiser) #hotels

    #prospect hospice

    #

    Fighting fit to raise money for Prospect Hospice

    FITNESS fanatics will be turning punches into pounds in a sponsored combatathon for Prospect Hospice tomorrow.

    Around 30 body-combat enthusiasts plan to kick out for cash at the DW Sports gym at the Orbital Centre in north Swindon.

    The group, who use fighting techniques as part of an exercise class, will be joined by instructors Lorraine, Tammie and Nat, when they stage their sixth annual charity Combatathon.

    They will be putting themselves through a gruelling four hours of action from 8.30am, in the hope of matching the £4,000 that they raised last year for their local hospice.

    Organiser and participant Jo Kearsley, from Swindon, is looking forward to taking part in this Saturday’s event, which will also include an additional half-hour session of new exercise programme CX.

    She said: “It will be very tough, but we will be looking again this year to raise as much as possible in sponsorship for Prospect Hospice.

    “As is the case for so many people who live locally, a lot of those taking part will have a close connection with the hospice, and that will inspire us all.”





    Save Money Booking Hotel Rooms #motel #dresses

    #booking hotel rooms

    #

    Save Money Booking Hotel Rooms

    As good as it gets hotel cabana room right on the beach.

    Hotel rooms are just like any other commodity and obey the laws of supply and demand. If you take some time to plan and research where you want to stay you can pretty much negotiate a far better rate than most folks pay for their hotel room. If you can be flexible about where to stay, and when to stay, you can save even more money. First, a little inside information on how hotels make their money from Karen, a former hotel manager:

    Most hotels have tiered pricing, starting with what they call a rack rate that is a best scenario price for any room. This is the rate most people get quoted when they just call off the street. It is also the rate that gets charged when the hotel is full up ( booked ) and they know they can get it.

    For example, the rack rate at the Radisson I used to work at was $125 for a double king. From that rack rate, the next tier of pricing is set. This is usually called a corporate rate , although the same percentage discount may apply to AARP, AAA, some travel agency bookings, etc. It s usually around 12 15% less than the rack rate. Our 1st level discount was $95 for the same double king. The next tier of pricing usually applies to various corporate accounts (all IBM employees, or all Delta employees, etc.) that s another 10% off. This rate is based on a contract with the various companies that assures the hotel a certain number of occupied rooms per year (otherwise known as room nights ). If at the end of a year the company has not used that quota of room nights , they are likely to lose their discount status. Again, ours ran around $79 for the double king.

    The final tier of pricing is the specialty tier, also called the convention rate . This is reserved for things like large parties where a large number of rooms are guaranteed and will be paid for if used or not, employee discounts, etc. This can go as low as 50% of the rate or lower. But this is a rate that will be hard to get unless you are guaranteeing to occupy 50% of the hotel or more and are willing to pay for the unused rooms anyway.

    So the two things that are going to influence your rate are (1) tiers of pricing, (2) number of guests in a room. Usually when you ask for a special rate for a group you re going to get either the 1st level or the 2nd level depending on the # of rooms you re willing to guarantee (percentage wise to the total occupancy of the hotel) and/or the number of other facilities you ll be taking advantage of. For example if you re going to have your reception at the hotel and spend money with them for food and beverage, then you ought to be able to negotiate a better rate on the rooms.

    Also remember that a lot of hotel pricing also depends on the time of the year. Spring and Fall are big conference and convention times but summer is slow in the tropics, especially the top Caribbean, Central and South America travel destinations including Belize. Winter and holidays are very busy as many North Americans are fleeing the cold. So if you schedule your event for an off time, you re going to have a bit more leverage in negotiating rates. Remember that the object of the hotel is to have maximum occupancy at a maximum rate. If there s no one in the, they ll be more willing to offer you a nearly break even rate than to see the rooms sit empty.

    How To Get The Best Rates on Hotel Rooms

    Here s how to make sure you get the best discount you can. These techniques apply to Belize and other similar destinations in the Caribbean and Central America. First of all, call around to the hotels you re interested in, ask for the reservations desk and find out what their rack or normal, everyday rate is. Ask if they offer a corporate discount. Make note of these amounts. These will be your starting points for negotiation.

    Now, call back to these hotels and ask to talk to the sales department. Do NOT negotiate these rates with reservations or with the front desk. If the hotel isn t big enough to have a separate sales department, then talk to the front office manager or the General Manager (GM). In a larger hotel the reservations department is not authorized to set custom rates sales is. Picture Above: Placencia beach in Belize.

    When you talk to the sales office, be as exact as you can in your figures. Let them know how many rooms you expect to need for how many nights. For example, Aunt Sally and Uncle John will come in Thursday and stay thru Sunday. Aunt Margaret can t get here until Friday night, so will only need her room for two nights. It helps to kind of plant this out, to be aware of the number of rooms you ll really need. Obviously you can t be exact, but the closer you are, the better. Your final result should read something like: Fri night 3 doubles and 5 singles, Sat night 12 doubles and 14 singles, Sun night 1 double and 3 singles. That way the hotel knows what rooms to reserve on what day.

    Then begin to negotiate the rate with the sales person. Because you ve got the rack and corporate rates in mind, you have a starting point from which to bargain. If they won t go lower than the corporate rate, then move on to another hotel. By the same token, unless you re planning to rent 1/2 of the hotel, don t expect to get 50% off. For example, if their rack rate is $119.00, and their corporate rate is $99.00, then you should expect an offer anywhere between $79 $89. Keep in mind that if your group visit or wedding is during a busy hotel time (conventions, school events, etc.) there is less room to negotiate on the rates. Of course the more rooms you rent, the lower the rate.

    Also remember that most hotels quote the rate for a single (1 occupant) room. One item that you might work into your negotiation is that your family will pay the single room rate, even if there are more people in the room. Keep in mind that if you negotiate this as part of your deal, most hotels are not allowed more than 4 people (adults) in a room because of fire code laws.

    Once you ve nailed down a rate and agreed to go with a certain hotel, the hotel will assign you either a group name, a confirmation number, or both. Most hotels won t require you to put money down to get the rate, but they will have a deadline past which the rate you have contracted for will expire. It is VERY important for you and your families to be aware of that date. Usually it is 3-5 days before the actual rentals. Again, if your family group or wedding is during a busy hotel time, it may be 10 or even 15 days in advance. MAKE SURE YOUR FAMILIES KNOW THE DEADLINE.

    Also make sure everyone knows the confirmation number or group name that they should be using and emphasize to them that they need to USE this information at the beginning of their reservation. Again, it s no end frustrating (to the reservationist and to the guest) to take an entire reservation only to have to go and re-do it because the guest failed to mention a special rate. Some people will give all the information EXCEPT the name of the group or wedding party. Then when the clerk mentions the room rate they go ballistic because they re with such and such party and should get $$$ rate. Of course the clerk can t read their minds, but people tend to forget that.

    One of the ways you can avoid having people miss the block dates is by making the reservations and guaranteeing them with your own credit card. If you do this, then your guests can change the method of payment to their own credit cards as they check in. This will guarantee the rooms up until the last minute, but be warned that with a guarantee you will have to remember to cancel unused rooms 24 hours in advance or they will be charged to your card.