Tuesday, July 31, 2012

Get Your Girlfriend Back - Keeping and Holding on to Your Girlfriend Once You Have Her Back

If you truly love her and are willing to spend time and efforts in getting your ex girlfriend back, all is not lost unless she has decided to move on with another guy.

To give you some great help getting your girlfriend back, I have pulled together one of the most effective strategies. This method is a great way to get a girl to almost instantly change her mind about you. This will give you a better chance of getting your ex girlfriend back.

Normally when a girl breaks up with you, she is claiming that she no longer needs or wants your love any more. However the truth is that most women (and men) always want to be loved, or feel loved. Even girlfriends who have recently rejected you and say that they want more space, or whatever reason they gave you.

This is basic human nature that we like people to like us. So even if a girl has broken up with you, she still wants you to like her. This is a very powerful human emotion we can use to our benefit.

Win Your Girlfriend Back

Firstly if you have been chasing after your ex in the hope to get her back, you need to stop. If you have not been chasing after your ex, then do not start! You have to give your ex girl the cold shoulder. Now I am not talking to go overboard, but stop all contact for the mean time, (unless it is for emergencies of course). Do this for a week or two.

The idea is to invoke a reaction inside a girl's head, were there was constant contact with you two. Then all the sudden, the contact stops and the tables are turned slightly in your favour. Here we are trying to use another powerful emotion, which is curiosity. We want a girl to be wondering why you have not been trying to get in touch with her.

Of course you do not want to do this for to long and let things go of the boil. You need to try and keep the curiosity and flame alive if you to have any chance of getting your ex girlfriend back. The best way to start this initial contact again is with a letter or email. Choose whatever one you are comfortable with. Letters can be more personal but they are a bit old hat these days, so pick and go with that.

Get Your Ex Girlfriend Back Now

In this letter / email you need to start of by apologising if you have done something wrong (like cheating). Do not be to quick to apologise if you have nothing to apologise for. Whether or not you apologise; it is also very important to say that you agree with the break up. Then you can finalise the letter / email by saying that you hope you two can catch up again sometime in the future.

It could also be good to include something unique to your situation and ex-girlfriend. Like good luck with your driving lesson, or something similar. Basically something friendly to show that there are no hard feelings.

Do not make this letter / email to complicated, just apologise, agree with the break up and say you hope to catch up in the future.

Monday, July 30, 2012

Unemployed Cash Advance - To Overcome Your Discomforts!

If you are deprived of work and you do not have any source of income to earn your living and fulfill your needs what would you do? This is the moment when you actually need fiscal assistance to overcome all your discomforts. Majority of lenders do not sanction funds to such people. Nonetheless, Unemployed cash advance is that option which is open to you, when all the others are closed!

It is a type of financial assistance found in USA, to help the citizens therein by providing them with funds. Unemployed cash advance is designed mainly for the jobless individuals who usually get disapproved in availing finance due to no income.

The amount that you can borrow depends upon your ability to repay the amount of the advance including the interest amount. The amount that you can borrower can be as low as and as high as 00. You have to refund the same within a time period ranging from 1 to 30 days. This term can be extended by the lender by charging a separate fee.

This service has numerous advantages which attract many borrowers towards it. Your unemployment is not a dilemma in getting the benefits of this credit. Moreover, your financial standing too is not considered to grant approval. This serves as an added advantage to poor scorers. It does not require any documentation. Hence, it is a hassle free time-saving option to the borrower and the lender. You can enjoy its benefits within 24 hours. However, the fault of this scheme is that you have to pay a high rate of interest as compensation to the lenders risk.

You should expand your options by researching on the internet. This will lead you to the best deals available at cheaper interest rates. You re required to fill in a simple form. After verification and approval of the same by the lender, the amount is credited to your account.

Wednesday, July 25, 2012

Things To Do To Save Time While Shopping

You are particularly heading towards the grocery to find and buy the ingredients for a recipe meal you would like to prepare when suddenly you forgot the name of a particular spice. It is an important part of the recipe and now all you can do is call a friend and ask to check the recipe for you. As clumsy as it may sound, it is very inevitable for somebody to go shopping and forget something sometimes the ones more important. In a situation like this, you spend more time looking for that ingredient which is not ideal especially if you are in hurry. However, there are number of things you can do to avoid such case as well as to save time while doing errands or simply buying your household necessities.

Be prepared. In whatever situation, being prepared is always helpful in times you encounter unwanted circumstances. For instance, check if you have enough cash or credit before you splurge yourself into shopping whatever that catches your eyes.

Make a list. Make it a habit to list down all necessary materials you need to buy from hardware to recipes. These areas most likely have the smallest detail that sometimes most people tend to forget when buying. Having yourself ready with that piece of paper prior to going in the department store is useful especially if you are the forgetful kind of person.

Categorize. While making your list of things to buy, it would be neat if you could actually separate each of them from food, beverages, utensils, hardware, etc. As you know these items are located in different section inside the grocery store. It would cost you less time to find those when you already know what you are looking for.

Ask for directions. If you are not that familiar with the store and having a hard time looking for that certain item saya powder juice, you can approach the counter or a store keeper to guide you where to find that item.

An alternative. Always make sure to have an alternative replacement in the absence of particular material or ingredient you wish to buy. It is not a guarantee that all things are available when you shop.

Bring a bag. Not all stores can provide a handy plastic bag that will accommodate all the things you have just bought. Some stores only wrap things up with a fragile paper bag that might not be strong enough to hold heavy items on your list. Plus bringing an extra bag for excess items would also mean less paper and plastic bags and with this you appear to be environment friendly.

The listed things are quite obvious and easy to do. You may think of shopping as such a random thing but for those of you who would like to use time efficiently these will certainly work and yet a helpful tool in shopping.

Tuesday, July 24, 2012

Using the Nikon D80 Digital SLR Camera to capture objects in motion

The Nikon D80 Digital SLR Camera can be used to capture moving objects in a still digital photo. For example you can capture and convey the feeling of a moving car or a person running. Here are some tips for how to achieve that.
All of us have mistakenly capture motion in a digital photo. In most cases the result was not what we wanted a burry useless digital photo. Learning to control such blurriness is the exact skill you will need in order to capture digital photos that are of high quality but also capture the feeling of a moving object.
The main technique for capturing a moving object is controlling the shutter speed. We all know by experience that when the shutter speed is too slow and the objects in the photo are moving the digital photo ends up being blurry. Or when taking digital photos of a sport event with fast moving object the shutter speed should be set to high in order to achieve crisp sharp photos.
When you want to capture the feeling of movement in a digital photo you can take advantage of the control over the shutter speed. Setting the shutter speed to the right value will result in a digital photo that is just a bit blurry to convey the movement but is still sharp enough to be useful and of high quality.
Another important factor when taking digital photos that capture movement is the fact that while the object is moving the background is not. This can help further convey the feeling of motion by either blurring just the moving object or just the background. For example assume that you need to take a digital photo of a runner. You want the digital photo to convey the fact that the runner is moving or in other words you want the viewer to immediately realize that he is looking at a digital photo of a runner while running.
There are two options to achieve just that. One is to blur the runner. Set the Nikon D80 Digital SLR Camera shutter speed to the right value that will blur the runner just a bit. Hold the camera steady preferably on a tripod to make sure that the camera does not move and the background is still and sharp. The Nikon D80 Digital SLR Camera allows manual setting of the shutter speed. Take advantage of that. Knowing the right value is hard at first and requires experimenting. After some experiments you will already have a feeling for what shutter speed is right for what purpose. Also there is a large range of shutter speed settings that can be used it all depends on how much blurriness you are looking for.
The other option is to freeze the runner but blur the background. This is much harder to achieve. The technique to doing that is to set the Nikon D80 Digital SLR Camera shutter speed to the right one to achieve the amount of blurriness wanted and to pan the camera at the exact same speed as the runner is running at. The result will be that the runner will stay on the same area of the camera sensor while the background will be moving and blurry.

Saturday, July 21, 2012

Payroll Puerto Rico, Unique Aspects of Puerto Rico Payroll Law and Practice

The Puerto Rico State Agency that oversees the collection and reporting of State income taxes deducted from payroll checks is:

Department of the Treasury
Bureau of Income Tax
Intendente Alejandro Ramirez Bldg.
Paseo Covadonga, Stop 1
P.O. Box S-4515
San Juan, PR 00905
(787) 721-2020

Puerto Rico has no State Income Tax. Therefore, there are no State W2's to file, no supplement wage withholding rates and no State W2's to file.

The Puerto Rico State Unemployment Insurance Agency is:

Department of Labor and Human Resources
Bureau of Employment Security
Prudencio Rivera Martinez Bldg.
505 Munoz Rivera Ave.
Hato Rey, PR 00918
(787) 754-5262

The State of Puerto Rico taxable wage base for unemployment purposes is wages up to ,000.00.

Puerto Rico has no provision of quarterly wages on magnetic media.

Unemployment records must be retained in Puerto Rico for a minimum period of five years. This information generally includes: name; social security number; dates of hire, rehire and termination; wages by period; payroll pay periods and pay dates; date and circumstances of termination.

The Puerto Rico State Agency charged with enforcing the state wage and hour laws is:

Department of Labor and Human Resources
505 Munoz Rivera Ave.
Hato Rey, PR 00918
(787) 754-2119

There is no provision for minimum wage in Puerto Rico.

The general provision in Puerto Rico concerning paying overtime in a non-FLSA covered employer is one and one half times regular rate after 40-hour week except under contract, custom, nature of work.

There is no provision of new hire requirements in the Puerto Rico law.

There is no provision of rules for direct deposit for Puerto Rico.

Puerto Rico has no Wage and Hour Law provisions concerning pay stub information except that employees paid by direct deposit must get a voucher showing all deductions.

Puerto Rico requires that employee be paid every 15 days.

In Puerto Rico there are no statutory requirements concerning the lag time between when the services are performed and when the employee must be paid.

Puerto Rico payroll law requires that involuntarily terminated employees must be paid their final pay by next regular payday.

Puerto Rico has no general provision on when voluntarily terminated employees must be paid their final wages.

There is no provision in Puerto Rico law concerning paying deceased employees.

There is no provision of when unclaimed wages should be paid in Puerto Rico.

There is no provision in Puerto Rico law concerning record retention of abandoned wage records.

There is no provision in Puerto Rico law concerning tip credits against State minimum wage.

In Puerto Rico the payroll laws covering mandatory rest or meal breaks are only that all employees must have 1-hour meal period after 3rd and before 6th hour of shift unless agreed otherwise.

There is no provision in Puerto Rico law concerning record retention of wage and hour records therefore it is probably wise to follow FLSA guidelines.

The Puerto Rico agency charged with enforcing Child Support Orders and laws is:

Child Support Enforcement Program
Department of Social Services
P.O. Box 3349
San Juan, PR 00902-3349
(787) 767-1500

Puerto Rico has no provisions for child support deductions.

Please note that this article is not updated for changes that can and will happen from time to time.

Wednesday, July 18, 2012

Don't Leave Cash Advance and Credit Card Debt To Your Heirs

Ever worry about what happens to your debt after you pass away? I'm sure it is not on the list of stresses when seeking out a cash advance or hoping to get another credit card approved. Financial situations are what they are and when trouble arises, most of us do what we can with what is available.

Unless a person has a well-developed retirement plan, life after retirement often times increases the amount of debt just to cover everyday living expenses.

Problems with some retirement plans:

*There wasn't enough put away.

*No plan was ever made.

*Inflation was never considered.

*Didn't account for extended lifespan

*Medical costs were greater than expected.What does a retiree do with debt? Efforts are made to pay down the debt do help, but too many people in retirement are obtaining additional debt instead. Credit cards or cash advance loans usage to help pay for everyday living expenses and/or emergency payment cancel out efforts to rid debt.

What measures can be taken in order to prevent debt from haunting heirs? One of the most difficult aspects of debt is admitting to yourself the total amount owed. The next step is to admit to your heirs what kind of debt you will be leaving behind. Whether there will be an estate left behind or not, sharing the financial information will help your heirs prepare for what might be to come. You don't need to disclose everything to everyone all at once; it still is your private life. Keep passwords and account numbers to yourself until disclosure is appropriate and necessary.

If you have a home to leave and there is still debt attached to it, you may want to purchase insurance to help your heirs take care of the debt. The outstanding balance on a loan for any asset will be transferred to the person who inherits it. Without the insurance money, this loan asset will need to be sold and the debt paid off or the person will need to transfer the debt to their name.

Creditors will try to get their claws on any bank money. Insurance money is usually exempt from their taking. Some states which allow this money to be used to pay debts often times have set limits on how much can be taken.

When filling out your will, name a person as the beneficiary not the estate. Estates fall into the hands of the probate courts which may distribute money and/or assets to creditors. If you want to leave accounts or property, leave it to the individual's name.

If life insurance is too expensive due to age or illness, consider loan protection insurance. This money targets loans like credit card balances, auto loans and even a mortgage. It is a more affordable option for those looking to cover the specific debts.

If you can, start paying down debt. Keep from making new debt. Limit credit cards and cash advance use. The less debt you leave an heir the better. Your heirs will only be responsible for the debt if their name is on the account. Joint accounts or guarantors on a loan would make them responsible for the balance once you are gone.

Friday, July 13, 2012

Make Most Of Your Personal Helicopter Objectives To Accelerate Your Business

The probability to own your very own helicopter assists in creating a huge number of unique possibilities for any person, if this pursuit is for personal or else business utilization. One of the difficulties which is associated with achieving this objective, is found with the great expense that is often which is associated with helicopter investment. If seeking to take a good advantage of this opportunity for yourself, you could pursue the chances which exist with helicopter finance. There are a huge number of possible opportunities that are created with the help of the this sort of investments made, while you're looking for such an opportunity.

Personal Use

When it comes to the hobby of flying, a huge percent of people have taken benefit of this possibility, by collaborating in several other lessons and eventually purchasing their own helicopter. By taking a good benefit of the opportunities which are created with helicopter finance, you'll be capable of finding affordable solutions that will enable you to purchase your own helicopter, without making a significant financial investment.

Corporate Ownership

The traveling costs in the corporate sectors are usually high, as you depend on traditional vehicle transportation so as to carry your business associates or management from one place to another. These travels could oftentimes incorporate lodging, dining, gas, vehicle rentals, as well as many more expenses that can swiftly build up for a one or two-day visit. Taking a good benefit of the possibilities of having a corporate helicopter, through the resources of helicopter finance, would enable you to significantly shorten these travel expenses and save a tremendous amount of cash in the long term.

Instructional Resource

More individuals are pursuing the opportunities that exist with generating their own business as well as tapping into the high demand for helicopter training. When you have a source such as helicopter finance, that'll enable you to invest in your own form of air travel, you can then begin instructional lessons which individuals would pay you for, so that they can gain their licensing or air travel experience. This unique opportunity will allow you to make money, while enjoying the pleasures of owning your own helicopter.

Transportation Business Opportunities

A different business opportunity for a person so as to take a good advantage of, is found with providing corporate transportation for so many different businesses. While businesses are familiar with the saving possibility that's presented with helicopters, not all organizations have enough individuals traveling on a regular basis to warrant an investment into a helicopter. Providing these transportation services would allow you to charge various rates, transporting business professionals.

Thursday, July 12, 2012

Stock Investment In Nigeria: Its Process And Benefits


Securities are created and issued by corporate bodies and governments, which are in need of funds to finance expansion or development projects. For instance, Wazobia Plc, a manufacturing concern needs to expand its facilities to accommodate present and anticipated consumer demand as well as replace aging or obsolete equipments. It is however, short of internally generated funds (retained earnings) to undertake the projects require long gestation and payback periods, money market facilities which have short tenure would be inappropriate funding sources. The company would be left with one possible option, that is, to access the capital market if it meets the requirements for entry. This could be done by issuing shares and/or debt instruments. (Securities and Exchange Commission, 1999). Thus, capital market is a segment of financial market that is responsible for mobilizing and channelling long term funds into productive investment such as fixed assets. The investments in capital market are at longer period of time, which are held for a minimum of five years.

Moreover, the term securities consist of stocks and bonds. It is not possible in
this paper to digest all aspect of securities. Therefore, this paper shall limit itself to stocks only (i.e. shares).

Theoretical Framework

Fischer and Jordan (2005) see investment as a commitment of funds made in the expectation of some positive rate of return. If the investment is properly undertaken, the return will be commensurate with the risk the investor assumes.

Similarly, an investment is the current commitment of money or other resources in the expectation of reaping future benefits. For example, an individual might purchase shares of stock anticipating that the future proceeds from the shares
will justify both the time that her money is tied up as well as the risk of the investment. You sacrifice something of value now, expecting to benefit from that sacrifice later. (Bodie, Kane, and Marcus, 1998, p. 2).

Distinction between real assets and financial assets

According to Bodie, Kane, & Marcus (1998) real assets are assets used to produce goods and services. In contrast to such real assets are financial assets, such as stocks and bonds. Such securities are no more than sheets of paper (or entries in a computer) Financial assets are claims to the income generated by real assets (or claims on income from the government). If we cannot own our own auto plant, we can still buy shares in General Motors or Toyota and, thereby, share in the income derived from the production of automobiles.

Definition of Stock

In simple terms shares is ownership in share of a corporation. According to Ahmed (2008) securities as stocks and bonds. According to him, a stock represents a share, or percentage, in a corporation's profits and assets. By purchasing stock an investor is buying a percentage of ownership in a company.

Different Types of Stock

There are two main types of stock or shares, namely; ordinary shares and preference shares. Ordinary shares according to Nwiwu, Ya'u, Ezeocha, Ezima and Uzoigwe (2007) this form that part of capital structure of the business contributed by the common stock holders .For a new company it is called venture capital but in the old companies it is called equity share capital.

Ordinary or equity shareholders ordinarily own the business, so all reserves belong to them. They have the right to votes in the company. The shares are non- redeemable even though transferable. However, they have no fixed rate of dividend since rate depends on the level of profitability, company liquidity and management discretion. On the other hand, Preference shares are the hybrid or bat of financing because they exhibit the tendencies of both equity and debt at the same time. They have a fixed percentage dividend before any dividend is paid to the ordinary shareholders.

Share Certificate

Nwaiwu (2004) when shares are allotted to the investor a note will be sent indicating the number of shares allotted. After some period a share certificate will be issued. This certificate is a security, a proof of ownership of the shares in the company. If in future the shareholder wishes to sell the shares, the share certificate must be surrendered to a stockbroker who will forward it to the company's registrar. Nigerian Investments and Securities Law Reports (2004) pointed out that securities in the market are available in either of the following two (2) forms:

i. In certificate form; and
ii. In dematerialized form

When a security is presented in a certificate form, the selling agent needs to verify the signature of the holder and the validity of the presented certificate(s) with the Registrar to the company, after which it could be deposited for sale or any other form of transfer in dematerialized form into the account of the beneficial owner held with the CSCS. Consequently, any subsequent sale or transfer of these securities can validly be undertaken without any need to revert to the Registrar. It therefore follows that securities held in the CSCS account of any holder are deemed to have undergone the necessary verification and confirmation with the Registrars and therefore the holder is rightfully accepted as the true beneficial owner of the securities reflected in his account with CSCS. Thereafter, the only proof of ownership of the said securities that is available to the beneficial owner is the CSCS statement of account issued to him.

Benefits of Investing in Shares

According to Kofa (2004) there are numerous benefits accruing to a shareholder who invests in shares. Such benefits include:

i) Return on investment by way of dividend payment (share of profit by the company on each share owned by the shareholder. This of course depends on the number of shares held by the shareholder. The dividend declared by the company's Directors must however be approved at the company's Annual General Meeting (AGM).

ii) Bonus issue, this is an additional share given to shareholders based on the number of shares owned by each shareholder free of charge at a ratio approved by the Board of Directors/Management and ratified at the company's AGM.

iii) Capital appreciation; this is an increase of share price over time. The value of company share increases due to performance and demand/supply factors. That is, for example, unit price of share purchased today at N10.00 could be N20.00 one year after, due to market forces.

iv) It can be used for security/collateral for loan purposes. Share certificates or statements are acceptable as good collateral for loans by banks and other financial institutions.

v) Pressing immediate needs could be met without seeking any bank/individual financial assistance by disposition of shares.

Risks associated with stock investment

Elakama (2004) emphasized that there are no guarantees when it comes to individual stocks. Some companies pay out dividends, but many others do not. And there is no obligation to pay out dividends even for those firms that have traditionally given them. Without dividends an investor can make money on a stock only through its appreciation in the open market. On the downside, any stock may go bankrupt, in which case your investment is worth nothing.
Similarly, Securities and Exchange Commission (1999) like other forms of investments, there are risk/cost associated with investing in the capital market. There are also obligations on issuers of securities. The risk to investors includes possible unfavourable rate of return owing to depreciation in market value and/or nonpayment of dividends. It could also involve possible loss of investment should a company go burst.

Nature of capital market

At this point, it is important to recognise the nature of capital market. Sulaiman (1999) defines capital market as a network of interrelated institutions governed by operational guidelines which permit the sale of equity and long term debt

Elements of the capital market

There are three identifiable features of a capital market. These are: the instruments; the market place; and the participants.

a) Financial instruments
Financial instruments are the investment products, created to ensure the smooth and easy transfer of funds in the capital market. These instruments, generally known as securities are financial assets, which represent either debt or ownership. The instruments have various features depending on their type between the primary and secondary markets is the fact that proceeds of sale of primary securities go to the issuer (company or government) whereas in the secondary market, proceeds go to the investor.

b) The market place
Securities and Exchange Commission (1999) the capital market is divided into two separate but closely-related segments known as the primary and secondary markets. Primary Market a forum where new shares are offered to both existing shareholders and general public for purchase. Primary market offers can either be made directly by the company to increase its paid-up capital or through privatization of Government holdings, technically called divestment of government shares. On the other hand, Secondary Market is a market where existing shares are traded (sold and bought). Trading of shares at secondary market takes place on the floor of The Nigerian stock exchange. The Stockbrokers buy and sell shares on behalf of their respective clients. Essentially, the Stockbrokers are the dealing member firms licensed by both the Nigeria Stock Exchange (NSE) and the Securities and Exchange Commission (SEC) to deal on shares and offer other services to the investing public. (Kofa, 2004, p.28).

c) Participants in the Market
Securities and Exchange Commission (1999) to facilitate the saving and investment process in any economy, financial intermediaries must exist and in good number. The financial intermediary is essentially a middleman who pools funds form savers and passes on such funds to those in need of them. An intermediary is a specialist) professional) in his line of business and thus, heavily relied upon by his clients to make good investment judgement on their behalf or provide professional advisory services to them. The capital market has a wide array of intermediaries performing various intermediation functions. They include:

i) Issuing Houses: These are institutions which assist corporate bodies and governments to raise long-term funds by packaging security issues for subscription on their behalf. The issuing house by this function plays a central role in the issuance process, and in industrial development. The issuing house as the principal agent of and adviser to the issuer has the responsibility of advising its clients on the most appropriate instrument and method of sourcing the required capital. It also has the responsibility of assembling and coordination all other specialists required in the issue process, ensuring that statutory and all other requirements are met, and that the issue is properly packaged and successfully concluded. Packaging would include pricing of the securities, preparation of the prospectus and other documents, as well as marketing and distribution of the securities.

ii) Stockbrokers/dealers: These are major players in the secondary market. Stockbrokers are the only persons permitted to transact business on the floor of a stock exchange or on the over-the-counter market. A stockbroker, therefore, stands between the seller and buyer of registered securities, making it possible for both parties to realize their desire to buy or sell securities. To act as an agent of the public or deal in his own account, a stockbroker/dealer must be registered by the statutory regulatory agency (Securities and Exchange Commission) and licensed by the stock exchange. As an agent of his client, the stockbroker is under obligations to transact business for him at the best price obtainable in the market.

iii) Investment Advisers: These are institutions/persons registered by the statutory regulatory agency to provide investment advisory services to their client for a fee. Investment advisory services are incidental to stock broking and issuing house business.

iv) Portfolio Managers: These are institutions registered by the statutory regulatory agency to manage the portfolio of clients. Portfolio management entails the receipt of funds, sometimes very large sums, to be invested by the portfolio manager. Most often, the choice of investments are left to the manger who however must send periodic investment statements, to his client. In exercising his discretion, the manager must at all times, consider the best interest of his clients. Both investments advisory and portfolio management services require extensive economic/market analyses to guide investment decisions and advice to clients.

v) Registrars: These are institutions employed by companies to keep comprehensive registers of their members (shareholders) and creditors. In addition, they arrange annual general and extra-ordinary meetings for their clients; distribute stock/share certificates, annual reports, dividend warrants and notices of shareholders' meetings. In cases of issue oversubscription, registrars dispatch surplus monies to subscribers.

vi) Trustees: These are important participants in debt issues and collective investment schemes such as unit trust. The trustee protects the interest of investors in debt instruments by monitoring and ensuring the fulfillment of the term of the trust deed.

vii) Receiving Agents: These are banks and stockbroking firms appointed by the issuing house to serve as centers for the distribution of offer applications forms, as well as for the receipt of subscriptions monies on behalf of the issuing house, for a fee.

viii) Receiving Bankers: These are banks designated by an issuer to receive proceeds of an issue on its behalf.

ix) Solicitors: These are law firms which either represent the issue or the issuer. In practice, two solicitors are required in a public issue of securities. These are the solicitor to the company (issuer) and the solicitor to the issue. The solicitor to the company among other things ensures that the memorandum and articles of association of the company are in consonance with legal requirements of a public company, and effect amendments where necessary. The solicitor would examine issue relating to the authorized capital, ensuring that it can accommodate the issue being proposed. Where a debenture stock is to be floated, the solicitor would make sure that the company has the borrowing power to do so. Generally, it is the duty of the solicitor to the company to ensure that the company complies with the provisions of the corporate law of the country (e.g. the Companies and Allied Matters Decree 1990 in Nigeria).

x) Auditors: These are the existing auditors of the company. In their capacity as the auditors, they provide historical perspective on the accounts of the company for inclusion in the prospectus.

xi) Reporting Accountants: These are firms of accountants which provide independent assessment of the accounts of the company. They review management forecast and examine the reasonableness or otherwise of such forecast. Based on their findings, the reporting accountants can recommend adjustments to the management forecast. They also prepare statement of indebtedness of the company, among other things.

Prerequisites to successful investing in stock

a) Selecting a Broker
According to Fischer and Jordan (2005) the investor's first step in establishing a satisfactory relationship with a broker is to choose a firm that is suitable for his needs and to select a representative of the firm with whom he can work. In practice separating the two choices is hard, for if one has chosen a satisfactory firm but is unhappy with the representative, it is embarrassing to shift one's account to another representative within the same firm. The brokerage firm should be a well-known and long-established institution. In selecting a firm an investor can ask for recommendations from his bank or from friends whose opinions he trusts.

b) Opening a Brokerage Account

This is an investment account, which is opened with the CSCS through a stockbroker. When this account is opened a client is issued with two numbers. The first number is called 'CSCS No.'. It is computer-generated numbers allocated to a new shareholder. It is unique to each stock-broking firm. Although a shareholder can have as many accounts as the number of stockbroking firms he uses. Furthermore, CSCS No is alphanumeric which is used if you have to fill in public offers if you desire shares allotted to you to be credited to your account.

Investors Account No. is numeric which is used internally on the floor for trading. In other word, investor's No. is the CHN represents the Clearing House Number assigned to every shareholder at the first point of entry into the CSCS system. He/She must have completed the CSCS -- R005 Shareholders Particulars Form. They are to provide the same CHN to all subsequent stockbroking firms they may have transactions with for ease of reference.

Other Prerequisites to successful investing in stock include opening a Bank Account, access to Post office Box (P. O. Box), access to Phone and active E-mail Address.

Process of acquiring shares

According to Nigerian Investments and Securities Law Report [NISLR] (2004) shares could be acquired by six (6) main modes;
1) Public offer;
2) Rights offer;
3) Bonus;
4) Nominal transfer; i.e. Transfer of share by way of gift.
5) Transmission from a dead relation or friends or collective investments or investments previously held under a corporate name for a beneficiary; and lastly

6) By purchase on the secondary market.

In general, a prospective investor who wishes to purchase shares on the secondary market is expected to approach a stockbroker such as Newdevco with a request to purchase or to invest in shares at a secondary market. In response, the stockbroker asks the prospective client which stock/shares he/she intends to purchase. Where the client has a selected stock in mind, the stockbroker executes the order according to the expressed need or interest of the client/customer. (Kofa, 2004).

Kofa (2004) added that in a situation where a client does not know which stock/share to buy, the stockbroker explains and advises the client accordingly in detail the shares to invest in. Consequently the stockbroker gives the client the necessary share transfer forms and Central Security Clearing System (CSCS) (particulars of shareholder) for completion. These documents are used to lodge the shares at Registrars Department of the company and also to open the new CSCS account for the client. The shares requested by client to be purchased are normally paid for by Bank Draft or physical clash to a stockbroker, who will in turn given an official receipt for the draft value or cash collected. Thereafter, the stockbroker purchases the shares as requested by client. Whenever the transactions are fully consummated, the stockbroker shall forward the CSCS statement of stock position to the client as evidence of ownership of such shares.

Benefits of Central Security Clearing System (CSCS)

Nigerian Stock Exchange (2008) states the benefits of CSCS to the operation of the Nigerian Stock Exchange as follows:

a) To Investors
Investors statements of stock position are issued every quarter free of charge or on demand for =N=100.00.

Use of stock position as collateral for loan facility after T + 3 settlement cycle i.e. 4 working days. In effect, a statement of stock position is obtainable from CSCS 4 days after transaction.

Investors can speculate more and take advantage of capital appreciation in their investment because of the T+3 settlement cycle.
Reduced risk of loss of certificates.

b) Quoted Companies

Huge cost associated with the production of share certificates for transaction through the secondary market has been significantly reduced.

Before CSCS, a single transaction on a certificate led to the cancellation of the certificate and the issuance of as many as ten (10) certificates depending on allotments made. This is no longer so since few shareholders request for certificates.

Indeed, of the 400,000 shareholders who use CSCS system now, only 2,200 shareholders have requested for certificates to date.

Amalgamation/consolidation of several accounts for a shareholder on the register leading to reduction of cost to the company.

c) Stockbroking Firms
Prompt Inter-member money and stock-settlement are assured.
The problems associated with delivery of shares are minimize
Increased efficiency and profit
Reduction in operational cost.

Disposal of Shares

According to Kofa (2004) a shareholder who wishes to dispose his/her shares is expected to go to a licensed stockbroker only. A Stockbroker is seen as the authorized agent approved by the government to deal in shares, especially in the purchase or sale of shares on behalf of an individual, group or company. The original hare certificates or CSCS statement will be tendered to a Stockbroker who will issue the relevant forms for completion by the shareholder and then forwarded to company Registrars for signature verification. That is, confirm the ownership of the shares in the case of share certificate. However, in the case of CSCS statement, the stockbroker verifies his client's signature. After the confirmation of signature, the share is taken to the floor of, say, the Nigerian Stock Exchange for appropriate disposal. After the disposal contract, a note shall be raised appropriately and the net proceeds is remitted to the shareholder after commissions and statutory charges are deducted as approved by the Nigerian Stock Exchange.

Recent Development in the Nigerian Capital Market

There are two recent developments in the Nigerian Capital Market. First, is the launching the e-dividend payment system which would subsequently solve the problem of unclaimed dividends by the Securities and Exchange Commission (SEC).

According to Olamijulo (2008) the e-dividends payment system refers to the payment of dividend due to shareholders through electronic means into the shareholders' nominated bank accounts. It implies same day clearance for dividend payment. He added that the system would enable shareholders receive their dividends on the same day, thereafter a confirmation letter of the dividend payment would be dispatched by the registrar. The e-dividend payment system would minimise cases of unclaimed dividends, eliminate dividend loss in transit, the forfeiture of dividends in the future and enhance the ability of shareholders to immediately access and utilize the proceeds of their investments.

Secondly, is the launching of e-allotment which will be fully operational from January 1, 2009. Ahmed, (2008) reported that the system is aimed at enabling the achievement of a certificate-less system in the Nigeria capital market.

E-allotment of shares as it is known is a process of direct credit of approved allotment on offers to the CSCS account of shareholders, as against the conventional issuance of share certificates. It is a process which will aid the achievement of certificateless transaction in the Nigerian capital market. (UBA Registrars, 2008)

The e-allotment is introduced as a result of postal services delays, and "the need to reduce costs in printing and dispatch of share certificates as well as to enable all investors in public offers speedily allotted shares."

Conclusions and Recommendations

It can be concluded that in Nigeria, the only obstacle to stock investment is the low level of investors' enlightenment on the benefits of the entire system, which has greatly affected the acceptance level negatively. Therefore, it is recommended that the regulatory agencies like the Nigerian Stock Exchange and Securities and Exchange Commission should continue to enlighten Nigerian especially, using major Nigerian languages on the gains of stock investment.

Tuesday, July 10, 2012

How To Make a Splash Page

Just wanted to share some information about splash pages with you. I often create them for clients for a variety of reasons and have made all kinds in the past...

So what's so good about them?

1. They're fairly simple and straightforward to make.
2. You can keep them simple and quick loading or fancy with graphics etc. included -- it's up to your own preferences.
3. You can stand out from other affiliate marketers by using your own splash pages.
4. You can create interest and build curiosity with splash pages by not telling them everything -- just scratch the surface.
5. You can build a list by using an opt-in form on your splash page.
6. You can use them in promotions all over the place. For example:
-> In traffic exchanges
-> On your own web site
-> In a link that you use in a forum signature
-> From a banner rotation to your splash page
-> As a popup, popunder or exit popup from another web site
-> As a link in your blog (or just copy the contents into your blog)
-> From an ezine classified ad or solo ad direct to your splash page

Q: Why should I include an opt-in form on my splash page?

A: Good question Eva! Tell me, what's the point of advertising for free or using paid methods to promote an affiliate link if you're going to just give away the traffic that you generate to the program owner?

Instead, why not make good use of the traffic and capture the name and email address of the interested prospect first. This allows the autoresponder series to kick in and do the job of selling the opportunity to your new prospect for you 24/7.

PLUS you're building a list at the very same time and creating a new relationship. That's very empowering don't you think?

Also, you can redirect the prospect directly to your affiliate web site after they have opted in. So it's not like an opt-in cuts anything out of the regular process of promoting. In fact, you gain more by including an opt-in form on your splash page.

Q: How hard is it to include an opt-in form on a splash page?

A: Not hard at all. If you have access to an autoresponder system and you create a few follow-up emails that detail the features and benefits of your program and explain exactly why the reader should join your opportunity, then you're likely to receive a new signup. Make sure you have at least 7 emails in the first series. (And don't be afraid to repeat the series at longer intervals after it has initially run. Who knows, they might have missed reading it the first time...).

All you need to do is login to your autoresponder system and look for the link to generate the form code for your opt-in box. Once generated, you then copy and paste the code into your web page HTML code where you'd like the opt-in box to be displayed. Then adjust the look and feel to suit your splash page layout.

HINT: A reader's eye will naturally go to the right hand side in the first fold of a page when viewing a web site. This area is the best place to position an opt-in box.

Q: How much information should I include on my splash page?

A: Just enough to pique the reader's interest and get them to opt-in.

Here are some tips:

- Use a keyword rich filename for your splash page. Or a keyword rich folder name and call the splash page index.html. Don't give the program name away in the folder or filename. Instead, consider using something like ... ngsolution or whatever... I think you get the idea.

- Use a large eye-catching headline that grabs the reader's attention straight away. Utilise a bigger font than normal (not a fancy italic one either - keep it simple).

- If you're short on content for your splash page, see what you can get from the actual affiliate site that you're promoting.

- Consider using arrows to direct the reader to the next step.
Click this button right --------> HERE!

- Use bait if you have to like a free report or download associated with the niche market of the program/product/service that you're promoting. For example, "Opt-In Now To Receive More Information & You'll Also Receive This Handy Dandy Download Absolutely Free As A Bonus! Woohoo!"

- Can your opportunity solve any of the reader's problems? Yes? Good! Make a point of listing them on your splash page.

- Benefits are always good -- People like to know what they'll be receiving, but you don't have to go into full detail on a splash page. Keep it short and the sweeter the better.

- Features: You don't have to include them on your splash page, but if there are any unique ones that could create a compelling Unique Selling Proposition (USP), then by all means include them. Especially as a subheading on the page.

- Graphics: If you want to include one or two graphics, use a royalty free stock photo that is relevant to the subject. Usually showing a person using something, doing something with a big smile on their face is a safe bet. Hey this could be YOU when you opt-in now!

-Testimonials: There's always room for a good testimonial or two. Check out the home page or testimonial page of your program to grab some copy, or better still -- write your own. It's always much more believable if it's written by you from your own wonderful experience.

- Consider including audios where applicable. BTW, audios that play automatically on page loading have a higher conversion than those that you turn on with a mouse click.

Q: How do you write a testimonial?

A: It's simple. Just write down how you truly feel about the product and how you found it to perform, or how the service improved your situation in some way. Did it save you time, money or effort? Include those things. Remember why you joined and consider that a prospect could feel the same way.

Once you have a good splash page created and you find that your promotions are converting well, then use the same design with altered content, graphics, headlines, colours etc. for other products or even the same one. Remember, there are often different targeted audiences for different programs. Try to appeal to specific ones with each splash page and you should do well.

I hope you found this helpful!

Sunday, July 8, 2012

No Collateral Loans For People With Bad Credit?

Many wonder whether it is possible for someone with bad credit to obtain financing without collateral. Truth is that for those with bad credit, secured loans are the best choice since the risk that bad credit implies is compensated by the guarantee secured loans include. Thus the chances of approval are increased by applying for secured loans. Yet it is possible to obtain unsecured loans with bad credit if you know where to look.

The key to obtaining unsecured financing with bad credit is to reduce the risk that lending to you implies either by improving your credit or by offering another kind of guarantee of repayment. In any case, it is also essential that you know where to look as traditional finance sources seldom deal with loans for people with bad credit, let alone unsecured loans.

Risk Reduction Explained

Unsecured loans have harsher credit requirements for approval due to the fact that there is no collateral guaranteeing repayment of the loan and thus, the lender is taking a higher risk by lending the money. That's why it is important to reduce the risk implied in the financial transaction to guarantee both approval and advantageous loan terms.

The most effective way to obtain approval that will also have long time benefits is to pursue a credit improvement program. Avoiding late payments and missed payments for a period of time of no less than six months can do a lot towards improving your credit. However, when time is not available and you need financing there are other ways to obtain approval even with bad credit.

No Collateral Guarantee Of Repayment

As explained above, some form of guarantee of repayment is needed to reduce the risk implied on unsecured lending in order to compensate for the bad credit of the applicant. And given that these loans are unsecured and no collateral is available, a non-collateral guarantee of repayment will be needed in order to boost approval chances.

The best alternative to collateral is thus, applying with the aid of a co-signer that features a good credit history on the credit report. A co-signer is obliged to the repayment of the loan just like the main borrower and in the event of default, he would be forced to continue repayment or the lender is entitled to take legal action against him also.

Non Traditional Lenders

Seldom banks and traditional lenders will be willing to consider approving an unsecured loan for a bad credit applicant. Thus, in order to obtain finance you will have to resort to non traditional lenders you can find by doing a quick search on the net for bad credit unsecured loans. Just remember to consult several lenders so as to compare their loans.

You can always request loan quotes or contact them informally making sure that your credit report is not pulled in order to avoid too many credit verifications that might affect your credit score negatively. Once you have decided which lender you want to work with, fill the online application or contact them telephonically in order to apply for your desired loan.

Bad Credit Classic Car Finance: The Essence Of Feeling Classic

Some people are prone to buy classic things and this is, indeed a great hobby since antiques tell the story of our ancestors. But, buying a classic car is a costly thing and everyone was not capable of buying a classic car before. However, having not enough funds for your classic car buy is no more a problem and has itself become a vintage problem which is now aptly erased by bad credit classic car finance. Bad credit classic car finance approves car finance for the bad credit holders too which has allowed now everyone to buy the classic car of his choice. So, drive on with elegance borrowed form bad credit classic car finance. But, before that, let's have a brief overview of what does bad credit classic car finance mean exactly.

Bad credit classic car finance is available for bad credit holders who are seeking finance for buying a classic car. The classic car can be of any model of any age, you can have it through finance available in bad credit classic car finance. And, bad credit classic car finance is available in both secured and unsecured formats. If you want to have cheap rates and more flexible terms you can opt for secured bad credit classic car finance where your car plays the collateral and assures the security of the lender's money which in return allows you to have better benefits. But, unsecured option of bad credit classic car finance has got its own benefits. It works as really a lucrative deal for all those who have got problems in pledging collateral for their car finance.

And, it is the availability online which makes the bad credit classic car finance really lucrative enough since most of the lenders of bad credit classic car finance are flocking the online arena where the rate of classic car finance remains cheap enough because of the competition among them. It's really a classic feeling to own a vintage car. So, grab it soon with aids from bad credit classic car finance.

Friday, July 6, 2012

Carlyle Finance And The Cheshire Jets Give Back To The Community

Excitement and enjoyment were the energies filling the room at two local primary schools in Cardiff on the 2nd March 2010 as the Cheshire Jets and Carlyle Finance delivered the Hoops for Health program. The day was packed with fun learning and activities, making it a complete success as the children came face to face with a professional basketball player. James Hamilton, captain of the Cheshire Jets pro basketball team motivated the group as they asked, does that mean your cousin is Michael Jordon?!

The Cheshire Jets is sponsored by Carlyle Finance, one of the leading independent motor finance organisations in the UK, offering loan advice to finance a car, as well as providing quality car finance deals. Carlyle Finance is excited to be able to sponsor The Cheshire Jets and supports their charity, The Jets Foundation. One of their many programs is built around educating young people about healthy living and supporting children with disabilities. On the 2nd March, the focus was about why it is important to be fit, the benefits of a balanced diet through healthy eating and the implications of smoking. The idea is to present a role model to demonstrate to the children the benefits of healthy living, and involving them in key basketball skills.

The children were split into four groups, each group being presented with different teachings about healthy living. The Jets and Carlyle Finance made the lessons as fun as possible by using objects to convey messages, including a Tar Jar to show how much tar a smoker typically creates in their bodies over one year, a beach ball to pass around with questions to inspire thinking about how to be healthy, and of course, basketballs to get the children involved in the sport.

Rachel Sharp, Marketing Executive at Carlyle Finance says, The day was very fulfilling. The children were a smart bunch, and although they already had a good idea about what healthy living requires, it was great to see them inspired by James, screaming I'm never going to smoke! The children seemed so keen to join in with the activities, which is extremely positive. I think it's very important to teach children about healthy living from an early age so that they know to make wise decisions later on.

Having now visited over 100 schools, look out for the Cheshire Jets and Carlyle Finance as they could be coming to a school near you!

Editorial Notes

Carlyle Finance Background

Carlyle Finance, which has been operating for over 30 years is part of WesBank, South Africa's largest financer of cars, itself part of FirstRand Bank Limited.

Carlyle Finance provides a full portfolio of finance products and services including car stocking facilities, relying exclusively upon motor retailers for its sales.

WesBank's main objective is to dominate in whichever market it enters and therefore require people who have the potential, skills, and ability to achieve the organisation's goal. WesBank's mission statement and shared values gives a good insight to its culture.

Mission Statement

WesBank is to be the acknowledged leaders in instalment credit in terms of Customer Service, Profitability and Size.

Thursday, July 5, 2012

Qualify For A Multifamily Commercial Mortgage

Your Multifamily Commercial Mortgage.

A Multifamily property eligible for commercial financing is defined as a structure having at least 5 or more units with the residences for permanent habitation. The major factor in determining if you can qualify for a multifamily property commercial loan is based on the property itself. These some key criteria of a multifamily commercial property to make the property eligible for financing:

The Property Condition.

1. Signed leases with terms of 1 year or greater.
2. What are the number of bedrooms and bathrooms.
3. What is the history of the vacancy rates.
4. Do the units have separate utilities to bill the tenants directly.
5. Is your commercial multifamily property professionally managed.
6. Is there any deferred maintenance, property damage or functional obsolescence to address with the property.
7. Does the facility have a pool, clubhouse or tennis court and other amenities.
8. Is the property close to employment, education, shopping and attractions with public transportation and access to major streets and expressways nearby.

Not only are these characteristics important in determining if the property qualifies for financing, these are major factors in determining the value of the property.

The Property and Income.

In addition to the condition of the property the income as compared to the expenses of the property is key to determining both the value of the property and how much mortgage the property can qualify for. The greater the income is in relation to expenses qualifying for a commercial mortgage becomes easier with more options available. The best rates are offered by the lenders that are both conservative and accept the least risk. The most conservative lenders require 1.5 times the income to the expenses to qualify for financing. If property is in good condition and it has a little less income there is still financing available down to as low as 1.1 times the expenses.

The Management Company.

The experience of the property manager is also a consideration to financing. If you have purchased a commercial property or are considering doing so and you are not experienced owning or managing the multifamily properties it is essential to hire professional property management. The larger properties having a property management company is not even a second thought. When considering smaller units you may believe they are an unnecessary expense, but professional property managers increase your ability to qualify for funding your commercial project if you do not have management experience.

The Owner.

Often times for larger units the financing is based solely on the property. But for smaller multi family projects the lenders require a personal guarantee and the review, income, credit and assets just like a residential investment property. The typical down payment required is 20% to 30% for properties and the lender requires the borrower to have reserves for repairs, vacancies and other contingencies.

The Loan.

Multifamily commercial loans are generally structure with terms written with 5, 7, 10, 15, 20, 25, and 30 years terms with or without balloon payments. For this type of commercial loan expect to provide full documentation including:

1. Last 3 years property operating statement
2. Year to date property operating statement
3. Property rent roll
4. Last 3 years federal tax returns of borrower 5. Personal financial statement(s)
6. Digital photos of the subject property

There are multifamily commercial mortgage products that can help people with significantly impaired credit, these have higher commercial loan rates. For borrowers with great credit and assets that deserve the best rates, funding is also available .

Wednesday, July 4, 2012

Popular Credit Card Types

These days, credit cards are extensively utilised by lots of categories of many people, as they present a wide range of positive aspects to holders: they're very easy to utilize, secure, trustworthy, and can considerably decrease the time required for generating a variety of payments. At present, credit cards are supported by a potent credit technique and also by an effective retail transaction program. As a result of this truth, today's credit cards are deemed to be an efficient signifies of producing payments, a lot of persons preferring to pay with their credit card as opposed to paying in money. There's a lot of totally different types of credit cards, every single of them having distinctive attributes and targeting a specific category of consumers.

A really trendy sort of credit cards is represented by student credit cards. Student credit cards are the most beneficial selection for young consumers with ages more than 18 that wish to have their very own credit card. Student credit cards are omnipresent amongst the young, providing countless benefits to holders: they make sure protection for purchases, let holders to shop via the internet, as well as give a cushion in situation of monetary emergencies. Most credit card firms setup sign-up booths inside college and university campuses nationwide in the starting of each and every semester, therefore permitting students to seek out further information and facts relating to credit cards and sign-up inside the credit system of their option.

Student credit cards are renowned as an awesome suggests of appropriately managing budgets. Even so, such credit cards also have some minuses: holders need to pay attention to just how much and how frequently they invest utilizing their credit card, as the regular APR interest on student credit cards have been rising continuously within the final couple of years. A student who obtains his very own credit card requires an significant very first step in establishing a credit history that may very well be turned to his benefit at later stages in life. Having said that, students who're unable to effectively program and handle their spending may perhaps unwarily enter a cycle of debt that's quite hard to obtain out of. The distinction consists in expertise and discipline.

A different well-liked category of credit cards is represented by small business credit cards. Online business credit cards are put to use by most little enterprise owners, also as corporate executives. A few of the characteristics that a standard credit card has to deliver are comparable to those of company credit cards: airline rewards, rebates, also as low introductory rates. Business enterprise credit cards may also supply rewards for example generous discounts. Company credit cards supply improved interest rates than most person account holders could acquire. They're accepted practically anyplace well known credit cards really should be accepted.

To have a poor credit rating can seriously limit one's alternatives of credit cards. Nevertheless, for persons confronted with monetary difficulties, poor credit cards are often a superb choice. Negative credit cards are an unique variety of cards which might be rather beneficial for individuals faced with poor credit or no credit scenarios. Negative credit cards is usually employed to enhance credit scores, so long as the holders pay their credit bills on time. This sort of credit cards can aid persons confronted with negative credit conditions overcome their economic difficulties in a reasonable quantity of time. Yet another beneficial approach to restore poor credit would be to use an unsecured credit card, however it can at times take a full year to enter inside the possession of such a credit card.

Monday, July 2, 2012

Child Molestation World Record Holder!

Being the CNN loyalist and avid conspiracy theorist that I am, I couldn't help but zoom in on the plague of child molestation cases that dominated the headlines circa. 1999. It seems that through time even celebrities are not immune, Michael Jackson, Roman Polanski, Jerry Lee Lewis, Bishop Eddie Long, former Oregon Governor Neil Goldschmidt who confessed his guilt, and R&B singer, R. Kelly had bouts with the accusations as well. Without a doubt, the Catholic priests seemed to take the lead in such an evil taboo that society has been forced to talk about. So-called cult leader, David Koresh, of the Branch Davidian was also accused as well as the Mormons of Utah, who have always been held in contempt by the other 49 states that look down on them for their lawful practice of polygamy.

In the case of the Catholic Priests, it is strange that to my knowledge, I haven't seen any of them ever serve a prison sentence. My best guess is, they are covered by the Vatican, which is its own sovereign entity. So there is no way they can really be sued. So basically, what we are seeing is more or less "here is your money, leave us alone payments, that are made out to be civil law suits for damages, emotional distress, and 'pain and suffering.'

However, none of these made my 'conspiracy theory' alarm go off as did the infamous 2002 case of H.E. Rev. Dr. Malachi Z. York-El, who was known as the leader of the Nuwaupians. To bring the reader up to speed, H. E. Rev. Dr. Malachi Z. York-El, is a Consul-General and Diplomat for Liberia, West Africa, whose passport number is: D/003828-04, which would bring with it Diplomatic Immunity. Accusation per accusation, this case seemed to me very bizarre and far-fetched. Rev. Dr. York was accused of molesting up to 13 children, up to 10 times a day, for up to 10 years!! My first thought was, "That is a lot of sex," and immediately my suspicions started.

Just think, if we take one child for let's say 5 times a day for 5 days a week, if I am correct, that is 25 times of having sex in one week. Now, multiply that 25 times by 13 children and that is 325 times he would have had sex for that week, correct? Now, we take 325 times a week by 52 weeks, again if I am correct, that comes to 16,900 times he would have had sex in a year!!!! Now, let's take that into perspective against the 20,000 times the Great Wilt Chamberlain said he had sex in his lifetime!! I would also challenge any pornographic film star to equal those numbers as well. OK let's finish it up, take that 16,900 times 10 years, if I am correct again, that comes to 169,000 times!!!! Which in my mind would be a world record indeed. I was quite surprised when Viagra didn't want to use him as a spokesman and even more surprised when Guinness Book didn't list him as well!

While downtown Atlanta, I ran into some men who were 'propagating' the Nuwaupian doctrine and defending Rev. Dr. York's innocence. Many of the issues I had with what was being said in the media about the case were confirmed with my conversations with them.

Issue 1: How could Rev. York be arrested even after presenting his Diplomatic credentials to the arresting officers? The Nuwaupians answered that because of the doctrine that Rev. York has presented to the world, there are people who wanted him off the streets as a free man at all costs. Taking into consideration, that Malachi York is also a sovereign who knows what his status and the UCC CODES entail. This was also something that he wrote about in one of his books called, "Let's Set The Record Straight." In it he outlined the history between America and Morocco and the treatise that were made between them, namely the Treaty Of Peace And Friendship, which is the oldest treaty that is still recognized to this day.

Issue 2: Why would Dr. York plea guilty after originally entering a plea of innocent and the evidence clearly proved him innocent? This was done because Dr. York was told the women who were with him at the time of his arrest, would be let go if he would plea guilty, being that they were Innocent and it was he who the prosecution really wanted in the first place.

Issue 3: How the hell could somebody possibly have sex that many times, yet alone have enough time? Again, they confirmed my suspicions with facts and common sense. It was clear that children were behind this plot, because any adult would have know it is impossible to have sex that many times. Put to me as such, H. E. Malachi Z. York has written over 400 books. That's right over 400 books!! Now, find any person who publishes books and ask them how long the process of writing and publishing just one book is and see what they say.

Issue 4: How did the whole mess start in the first place? They told me that it was all started by a group of kids who lived on the Nuwaupian land and could not break rules as they wanted. It was against the rules to have sex if they weren't married, they couldn't dress in skin tight clothing and go out to party. They got fed up with the rules that were in place to keep the order that was established by Dr. York and that was their way of getting back at him. They then conspired with the racist sheriff by the name of Howard Richard Sills, of Putnam County, GA, who hated the Nuwaupians and could not come to grips with the reality that a group of Black people lived together, had wealth and no criminal records. In return, for a conviction, the government promised them they could sue Dr. York for millions of dollars and split the pot between them.

It was also the result of the 476 acres of land that the Nuwaupians owned stood in the way of an economic plan that the Putnam County government had in development for the next 20 years. This economic plan included turning the city of Eatonton/Putnam County, GA into a tourist attraction/resort area of sorts. This also had ties with neighboring Greene County that has a major resort area called Reynolds Plantation and a Ritz-Carlton Hotel. Reynolds Plantation is owned by Mercer Reynolds, who is a close friend and business partner of Former President Bush the younger. Recently, Reynolds has been in the headlines for having to sell some his assets to satisfy lenders.

Now with all these things being said, let's look at some medical evidence to prove that Rev. Dr. Malachi Kobina York could not be guilty of these false allegations:

1. Dr. Frederick Bright, MD OB/GYN, who is licensed to practice in the state of Georgia, was called in as a medical expert by the family of Dr. York to review the information and evidence that was brought in by the government/prosecution as early as Dec. 2002. After his examination of the evidence and testimonies of the alleged victims, he found many what he termed 'consistent inconsistencies.' This case was purely a 'hearsay' case!

2. In child molestation cases it is the normal procedure to have medical examinations done within 72 hours of the alleged molestations, the acute stage of the alleged events, to obtain forensic evidence-skin, hair, semen, saliva, etc, from the genital areas. What Dr. Bright found was that no history of events was taken by the examiners to determine the level of evaluation necessary for each victim which is very critical.

3. Some of the children had STD's, including Chlamydia and Herpes 1. Dr. York upon examination, was found to have had none of these diseases and did not even have the anti-bodies present to suggest that he was even treated for any of these diseases and had them cured. For the record, all of the alleged victims didn't have an STD. This shows an inconsistency. They all should have had the same STD, because they testified that Rev. Dr. York would go from one to the other. There was no DNA evidence ever found to suggest that Rev. York had engaged in any sexual acts with any of these alleged victims. There were no pregnancies. There were no testimonies of condoms being used and these girls were at the age of puberty.

4. When interviewed, none of the children gave any exact dates of the "molestations" that occurred. This includes nothing about "I remember because it was two days before my birthday." They always gave very vague time frames, like it was the summer of 1998 or it was the fall of 1999, which doesn't give a defendant anyway to prove he was not in said place at said time. Many of their testimonies contradicted each other about who was present when what they saw was supposedly happening to the other. There were also no mentions or testimonies by any of the alleged victims of any abortions or anything about each time Dr. York changed the bedding or anything about plastic covers on sheets.

5. There were no recorded interviews or statements(written, audio, or visual) from the alleged victims that could be evaluated by the defense experts which means the government/prosecution could make any statements necessary to bring charges against the accused. This is very important because the absence of recorded interviews prevents scrutiny of the prosecutions statements by the defense. Also, in the event contradictory information is identified, the contradictions can easily be dismissed or explained away by the prosecution. THIS TYPE OF CONDUCT SUGGESTS THAT THE GOVERNMENT/PROSECUTION HAD NO INTEREST IN ACCURATELY RECORDING THEIR FINDINGS OR THE VICTIMS WERE GIVING UNRELIABLE STATEMENTS. WHICH EXPLAINS WHY THE COURT WAS CLOSED TO THE PUBLIC DURING THE TRIAL AND THE TRANSCRIPTS WERE SEALED AFTERWARDS!!!!

6. 5 other children were taken from the Nuwaupian land that was called Tama-RE, Egipt of the West, without consent and knowledge of their parents and given examinations by state agencies and not one of them were found to be abused, sexually, mentally, or physically.

7. 8 of the 13 who originally alleged abuse by Dr. York, recanted their own testimonies on sworn affidavits. Too add to that, many of their own immediate family testified against them and said they were lying

8. The government's 'Star Witness', Abigail Washington, recanted her testimony of abuse as well on a sworn affidavit and even recanted her testimony that Rev. Dr. York was guilty of the money structuring charges.


10. Assistant D.A. Richard Moultrie, stated for the record that he had no video tapes to prove any of the allegations. This is important because supposedly, video tapes were said to have been made of Dr. York engaging in these alleged acts.

In closing, I would like to add some little known facts about Rev. Dr. York that I found from doing a little research. Dr. York over the past 40 years has written more than 400 books on religious, scientific, and historical topics. THAT'S RIGHT 400 BOOKS!! Anyone who has written a dissertation, thesis paper, research paper, documentary, etc, knows how much energy and time goes into writings such as these. So ask yourself, "How the heck does someone have enough time to write 400 books, yet alone do it while molesting 13 kids everyday, all day for over 10 years?" IT'S ABSOLUTELY IMPOSSIBLE!!

Choosing A Ppi Claims Company

Claims management companies are busy fighting for customers who were mis-sold PPI by financial service providers - taking the fight to lenders who took money unnecessarily from their customers using dubious, unethical sales practices.

Payment Protection Insurance, in the right hand, is actually pretty good insurance. It covers people in the event that they experience the economic doldrums brought about by losing their job, suffering an illness or being involved in an accident.

Borrowers have managed to claim on PPI to continue paying their mortgage, credit card or loan, and it appears that when it was sold to a borrower who ticks all of its boxes and fully qualifies for its terms, PPI does indeed prove to be beneficial to that borrower should they need to use it.

The Perils of PPI
However, this beneficial aspect of the PPI policy - as you may have heard - has been lost on the majority of customers who were sold PPI alongside their loan, credit card or mortgage agreement. As it turns out, millions of consumers were fraudulently sold PPI, and for them it is utterly, ridiculously, useless.

So why did the banks and other lenders sell the policy to people who couldn't use it? Well, either because it was just a critical error in judgement on the part of banks or maybe (just maybe) it was due to the fact that it generated billions of pounds in profits for the financial institutions.

As people have become more aware of mis-sold PPI, the amount of complaints they've made to banks which demand compensation in the form of premiums plus interest paid back to them has proliferated rapidly.

The lenders guilty of the PPI scandal have set aside billions of pounds in provisions to ready themselves for the constant stream of PPI complaints, already well aware of the serious consequences of mis-selling the policy, the redress paid back to customers already reaching 1 billion in 2011 and there are no signs that winning compensation claims will not continue to flourish in the coming years.

Companies to Manage your Claim
A PPI claims company should be chosen carefully by anyone who wishes to use their services to make a claim on their behalf. More commonly known as Claims Management Companies (CMCs), they seem to be absolutely everywhere at the moment - some of them reputable, but a lot of them simply cashing in on the whole mis-sold PPI debacle to make some quick money and charge people extortionate amounts of money for their services.

The best course of action is to choose a reputable company, one which has a good track record and is regulated by an official authority. Make sure you read the small print - especially on the No Win No Fee services provided by the CMC and make sure you are completely aware of any costs that will be incurred over the length of the claiming process, especially if the claim needs to go to trial.

Other than that, just make sure you are getting a price that you feel is fair for the hassle that a CMC can save you and it could be worth your while to enlist in their services rather than taking the free option and claiming by yourself.

Get your money back - it's yours, and the banks have it. Don't delay!