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Sometimes No solicitors is Good news

May 17th, 2010 in Uncategorized by Roger Roy

Beamish Solicitor's Front Office - 3 by Terry Pinnegar Photography

compensation claim

If you have a lawyer who is an important part of your life, whether it's on a professional or personal level, you know that he or she deserves (and probably expects) a quality gift.

Whether you want to give them a tasteful, yet modestly-priced gift or go all out and present them with an especially generous gift, there are stores offering merchandise to fit your wallet. 

The following are an example of some of the excellent products geared towards the legal community:

Store: ProfessionalGifts.com
Website: http://www.professionalgifts.com

Scale of Justice Desk Clock

This stylish quartz desk clock is a classic touch to include in any law office decor . 4-1/2 high x 3″ wide, it's a great way to show your lawyer that you think he or she is special. 

Cost: $29.95 

Casted Bookends With Justice Scales

Continuing in the same “scale of justice”decor theme is this handsome set of ceramic and granite bookends that resemble the pillars of a courthouse. These sturdy, 6-pound bookends give a look of dignity wherever they are placed. You can have them specially engraved, upon request.

Cost: $59.95 


Store: e-CorporateGifts.com
Website: http://www.ecorporategifts.com

Rawlings- 6 Ring Personal Organizer

The sophisticated Rawlings- 6 Ring Personal Organizer is bound in soft leather and can be used to keep track of  their
daily, weekly or monthly appointments, hold business cards and credit cards and more.

Cost: $98.00 

Bosca Leather Legal Pad Cover

The Bosca Leather Legal Pad Cover is made out of fine leather and holds a 8-1/2″ x 14″ legal pad. It's a classy way to keep professional notes in perfect order and give its owner an even more polished, professional look.

Cost: $150.00 

Seated Lady of Justice Clock

A quartz clock is housed in a solid wood case and, sitting on top, is a bronze sculpture of Lady Justice. This is an exquisite item that will please any lawyer you want to impress.

Cost: $230.00 


Store: ForCounsel.com
Website: http://www.forcounsel.com

Lawsuit! Board Game

Sometimes we forget that lawyers need a little fun. These are folks who are inundated al most every day with endless paperwork and having to take on the problems of others, so anything you can do to add a little bit of levity to their lives is great.

The Lawsuit! Board Game takes the players through law school and passing the bar exam. They then end up in the courtroom, to find out just how good a lawyer they really are. This is something a lawyer can play at home with his/her family, to give them some idea of what he/she does and, at the same time, be able to have fun doing it.

Cost: $35.00 

Lawyer Throw

This fringed Lawyer Throw was specially designed and made from 100% cotton. At 46″ x 68,” it has the scales of justice, in black-and-white, on both sides of this afghan. The lawyer in your life can drape this classic over furniture in his or her office or at home in the study.

Cost: $64.95 

Lawyer Lamp

This unique 23,” black-shaded lamp has a metal sculpture of Lady Justice standing proudly on a wood base. The recipient was be flattered that you gave him or her this impeccably designed piece.

Cost: $285.00 


Store: Ci-Gallery
Website: http://ci-gallery.com

Lawyer or Judge Stained Glass Window Gift

This wonderfully handcut and handcrafted stained glass window, designed with the sales of justice, is a way for a lawyer to display his business in a manner that will set him a class above others.

It is gold, brown, ruby and violet in color with a frame made out of metal and brackets so it can be hung outside or inside an office.

You can have it personalized, though it will cost you more.

Cost: $145.00 (Non-personalized) 
           $295.00 (Personalized) 

Store: Great Arrivals
Website: http://www.greatarrivals.com

Hole-in-One Golf Gift Set

We know that many lawyers are avid golfers, so giving them something along this line will surely be appreciated by them.

This gift set includes a golf utility knife, golf balls, divot tool, tees, golf towel, vintage golf mug, Games Golfers Play rule book, and lots of delicious treats and other golf-related goodies.

Cost: $159.99

Lawyers Want Respect, Too!

Lawyers often have to deal with the public singling them out negatively, when they are simply doing their job.

Show some love to that special “legal eagle” in your life by giving him or her any of the gifts suggested here.  To find more information on these and other gifts, please visit the website links provided.

How can I sell my apartment quick soon ?

May 10th, 2010 in Uncategorized by Roger Roy

If you've been trying to sell your house quicker, it's only realistic to have various reservations looking at the current economy. Despite this, it is possible to make it happen, and it will need you to put in some time .

 

It seems obvious but correctly pricing your property is quite important. So if your home is just sitting on the housing market unsold then the selling price just isn't right. It is usually advised to use a Skilled Appraiser to assess the value of your house. They will help you get that sell my house faster

Throw in certain bonuses to cause the new buyer to notice of the property and really encourage them to pay for it, for instance money back to the purchaser, free furniture, etc.Selecting a Sellers Agent who is both experienced and assertive. With the right expertise these agents can seek serious home buyers and guarantee your house would be sold swiftly.

At times not using an agent to cut back on fees, or working with a less costly Estate Agent, could be a bogus economy as the low cost Agents may not find a way to secure you the optimum price and the quicker sales.

A property that is ready for first time home buyers to move in quicker and easily will encourage them to make an offer to purchase it. That is if you make the effort to do some aesthetic modifications and modest maintenance, for example replacing worn carpets, repairing broken window blinds and having some attractive plants. It needn't be anything significant or too costly, just adequate to give an overall well put together and nice looking feeling. If your home is ok for brand new potential buyers to relocate from the first day it will be much more desirable. You may have to make some effort with cleansing and removing your mess, but it will be really worth the trouble if you can sell my house faster at a premium.

 

The external style of the property, is really important not just when it comes to selling but also, to achieve a sale at the greatest feasible price.Front door is the first thing anyone entering your home may look, so it should look best. Most of the purchasers of house give special attention to the bathroom and kitchen, so make it a point of keep them clean and consider any repairs on the priority basis.

 

The internal parts can certainly be just as important as the external look of a property. If the house appears presentable internally, i.E. Clean and neat with a natural colour scheme, then it is really much more probably to sell faster.

Yet another choice is to use somebody to renovate it to improve chances of selling. If you think about it; if your preference was crazy vivid colours with an African concept, what are the chances the new buyer will just like it too? If they don't, imagine the cost/time of refurbishing it to their preference. A natural canvas is a lot more attractive particularly when buyers can picture a home as their own house.

 

One more choice you can go with a property finding corporation if you absolutely need to sell your home quickly, and are unable to find the money to refurbish it to help to make it more appealing to home buyers. A corporation that will help sell my house faster, by obtaining it from you. They will generally make you a less than market offer for the house.

 

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April 9th, 2010 in Uncategorized by Roger Roy

Are you shifting from one international location to another?? Are you searching for a reliable removals company that would help you to shift or move your personal effects?? If yes, then there are many organisations available today that would help you to move your personal effects from one international location to another and that too with complete care and attention. Do not worry about the security about your personal belongings that are expensive and also dear to you as these companies will take utmost care of your belongings and untill its delivery they handle your belongings with utmost care and attention.

These companies are specialist in removals ranging from personal household belongings to heavy and bulky items as well like furniture, cars, boats, Yachts and many more that you can imagine. All you need to do is to just drop a call to them or you can also contact them via their websites and after that you are free as rest of the work is going to be done by the officials of these companies. If you would like to know how much does the removals cost you then you can visit the website of these companies and ask for a quote and they will get back to you with the complete amount that is required. There is a lot of competition in the removals market among these companies involved in the business so you might be lucky if you’ll get a discount too.

No matter where are you located in this world, these specialist removal companies can shift your belongings to any part of this world. Just name it and they have it in their books. Just to give you some knowledge about the access of these companies , here we have few major countries in which the removals are done and these countries are Spain , France , Belgium , Holland , Ireland , Portugal , England , Scotland , Switzerland , Wales , Germany , Europe , Austria , Eastern Europe , Australia , Canada , New Zealand , USA , South America , central America , Africa , Asia , Russia. You can be relaxed once you select any of these companies available to shift your personal belongings from one international location to another as they take utmost care of them.

The network of these companies is so good that they can take care of the  international removals to any location in this world. Just think about the new location to which you are going to land and start a new chapter of your life with your loved ones and leave the stress of moving your personal belongings to these companies and be relaxed!

You can easily find the information related to the removals companies on the internet and can ask the selected ones by you to submit their quotes and whichever is fit within your budget then go ahead and book them to move your personal belongings from your current location to your dream destination.

Happy Shifting!!!

The semiconductor chip is at the core of what we think us as technology. Computers, cell phones, iPods, medical equipment, avionics, etc. have only been possible because of the chip. The American chip industry has been damaged by the recent economic slowdown like most industries, but more importantly, the chip business in the United States has been in a slow fall for 30 years.

In January global chip sales dropped by almost a third from the previous year, to $15.3 billion (Semiconductor Industry Association). Overinvestment in chip factories has resulted in steep losses of over the last 2 years. The chip business has been compared to farming. If too many farmers plant cotton, then the price of cotton will drop (supply and demand).

The American chip industry, outside of Intel, is an endangered species. AT&T, Hewlett-Packard, and others are already gone from the field. Others, like Texas Instruments, have set a path for the eventual elimination of manufacturing. These companies have gone “fabless”, meaning they will continue designing applications, but leave the process technology and manufacturing to someone else (most often to companies in Asia).

The microprocessor market has been the exception, especially Intel. The microprocessor market has been controlled by Intel. It has been a kind of monopoly. But Intel, when operating outside the microprocessor arena (i.e. DRAM or Flash memory), has followed the general model.

Intel has recently closed 3 factories (the industry calls them “Fabs”, short for fabrication): one in Colorado, one in Oregon, and one in California. But Intel is building microprocessor fabs at the same time, currently building a factory in Phoenix and one in Israel. Intel is doing OK. Intel had over $12 billion of cash on hand at the end of 2008.

In 1980, one of the pivotal events in the history of the chip industry, was IBM’s selection of Intel to build the microprocessors for the IBM personal computers. IBM chose Intel over Motorola and Zilog (Zilog was founded by ex-Intel engineer Frederico Faggin, who invented the MOS process while at Fairchild).

IBM insisted that Intel facilitate second sources for the microprocessors by allowing companies like AMD to alternatively manufacture the chips. Intel’s wealth has been almost fully acquired because of their control of the personal computer. IBM ceded control of the personal computer away with this agreement, or more accurately, their failure to execute this agreement.

The Rise of the American Chip Industry

The Chip Industry has its roots firmly in the United States. Scientists at AT&T Bell Labs invented the transistor in 1947. The chip, or integrated circuit, was invented by Jack Kilby of Texas Instruments and Robert Noyce of Fairchild (later Intel) in 1958. There were many interim steps between these two seminal events, most accomplished by the teams from Fairchild and RCA.

In 1975, the U.S. had more than 70% of the world’s market share for chips. The chip industry titans during the development years were IBM, AT&T, Texas Instruments, Motorola, and Hewlett-Packard. These were established technology companies that had success in the emerging field.

Silicon Valley, in California, was largely the result of startup companies with ties to Fairchild, who was located in the area. Fairchild was a technology pioneer, but most of the success came from Fairchild alumni, what became known as the “Fairchildren”. Alumni from Fairchild founded Intel, AMD, National Semiconductor, LSI Logic, Altera, Xilinx and many others. One notable Fairchild alumni was Eugene Kleiner, who would later found Kleiner Perkins, a venture capital firm that would help Amazon, Google and Sun Microsystems become billion-dollar companies.

The Fall of the American Chip Industry

Since the U.S. had such a commanding market share in the 1970’s, it was natural that this position would be difficult to maintain. The first challenger was Japan, who was very successful at capturing the DRAM market, at the time the most important chip market. By the mid 1980s, 80 percent of the DRAM market belonged to Japan.

Many outside of Asia fail to give proper credit to the emergence of Japan in the chip industry. The common perception is that the sole reason for Japan’s success was low labor costs. In fact, the primary reason for Japan’s ability to manufacture at lower cost was a superior technical strategy. American DRAM manufacturers switched to a lithography technology called “steppers” a generation before the Japanese. The Japanese continued to utilize the previous generation lithography technology called “scanners”. The American companies falsely believed that scanner technology would be inadequate for the newest memory devices. Scanners are significantly faster and less expensive to operate than steppers. Because the lithography step is so important to the overall process, the Japanese had a significant advantage, and used that advantage to capture the DRAM market.

In 1987 the United States started a research consortium called Sematech to combat the loss of market share. The plan called for the chip companies to share research costs, with a government subsidy. Member companies contributed $124 million to Sematech’s 1990 budget and $100 million was contributed by the government through the Defense Advanced Research Projects Agency (DARPA).

Japan’s market share did drop in the early 1990’s, but this was probably more as a result of problems in the Japanese economy than with developments in the U.S. chip industry. The Japanese stock market “bubble” burst, much like the dot-com market burst in the United States. Japan’s market share of total chip sales peaked in 1988 at about 49%. Today, Japan’s world market share of the chip business is about 25%.

Sematech had a positive impact on the U.S. chip companies’ circuit reliability. Statistical process control (SPC) techniques were led by Sematech and resulted in dramatic improvements. Motorola, a Sematech member, was the first winner of the Malcolm Baldrige Quality Award. The progress in reliability enabled chip customers to forego incoming inspection of chips, a huge cost savings.

Sematech was very active helping an immature U.S. equipment industry improve their tools. Sematech effectively moved the technology center of semiconductor industry from chip manufacturers to the chip equipment companies like Applied Materials and KLA. Before Sematech, the customers were the process experts, but now the process tool companies included process expertise with the equipment. This was very good for the lucky equipment companies, but Sematech was very selective. Many tool vendors were shut out by Sematech.

Those outside the chip community sometimes fail to understand the degree to which the chip equipment industry is internationalized. A fab requires hundreds of different process tools for the many different process steps (some chips require more than 500 process steps). Many of the tools cost more $1 million. Most fabs will attempt to standardize on a tool supplier for a particular process step, but all fabs have equipment from many different companies.

A few years ago, a major “Wall Street Analyst” cut his forecast of Applied Materials’ business prospects based on the growth of the Taiwan semiconductor industry. The flaw in this logic is that a Taiwanese factory uses U.S. equipment at about the same rate as a United States based company. U.S. companies also commonly use equipment manufactured from outside the U.S, especially from Japan.

Since the chip equipment industry is so globalized, if Sematech makes an advance, U.S. companies gain little, if any, advantage. Chip manufacturing has become highly homogeneous, from company to company, and from country to country. Because the equipment companies now controlled the process technology, it became much easier for countries like South Korea, Taiwan, and China to enter the market. If a company had the money, the technology was for sale.

The result of the work done by the industry, especially by Sematech and its Japanese counterpart, Tohoku University, was that the process of manufacturing chips became less of an art, and more of a science. Chip manufacturing became “paint by the numbers”. Once the industry reached this level of maturity, the price of capital, and the price of labor, became the dominant factors in the choice of manufacturing location.

A state of the art fab requires an investment of $3-4 billion. Chip manufacture is now a commodity business involving huge production volumes and low profit margins. A recent count of the last 40 chip factories built showed that 35 were in Asia, 3 were in the United States, and 2 were in Europe.

The memory market, including the products DRAM and Flash Memory, is the most competitive chip arena. South Korean companies currently dominate the memory market. Samsung is the leader, with more than 30 per cent market share, and Hynix is second, with more than 18 per cent market share. Elpida (Taiwan) with 15 percent, Micron (U.S.) with 11 percent, and Qimonda (formerly Siemens/Infineon, Germany, currently in bankruptcy) with 8 percent, are the other significant market share holders.

The Emergence of the Chip Foundry

Chip manufacturing technology continues to become more of a commodity. Companies that once designed, manufactured, and marketed chips, now hire a third party for the manufacture step. This is what is meant by a “fabless” company. The company that performs the manufacturing step is the “foundry”. The design is accomplished via collaboration between the foundry and the fabless company.
A modern foundry provides software tools so that the fabless company can accomplish their objective using standard process cells, technology that is owned by the foundry. One of the world’s first chip foundries was created in Taiwan by Texas Instruments in 1989 to manufacture DRAM. The company was called TI-Acer.

Taiwan Semiconductor (TSMC), with $30 billion market capitalization, is the current leader in the foundry chip industry, and currently boasts more than 44 per cent of the world market share of chip foundry business. TSMC was founded in 1987 as a joint venture of Philips (Netherlands), the government of Taiwan, and private investors. Morris Chang is the founder of TSMC, and continues to serve as the Chairman. Mr. Chang’s resume includes 25 years at Texas Instruments, leaving as a group vice president in charge of the company’s worldwide semiconductor business. TI-Acer merged with TSMC in 1999.

The world’s second largest foundry is also in Taiwan. UMC claims more than 14% of the foundry business worldwide. Taiwan, a country about the size of Vancouver, Canada, has the highest concentration of semiconductor manufacturing in the world.

It is interesting to note that two of the executives instrumental in recent events in the semiconductor industry are on the TSMC board of directors: Carly Fiorina and Thomas Engibous.

Carly Fiorina is now best known as John McCain’s Economic Advisor during the last election. She is the former CEO of Hewlett Packard where she oversaw HP’s exit from the chip manufacturing business. In addition, Ms. Fiorina spent nearly 20 years at AT&T and Lucent Technologies Inc. where she served as Executive Vice President, Computer Operations for Lucent and oversaw the exit of AT&T from chip manufacturing.

Thomas J. Engibous (former Texas Instruments Chairman, former president and CEO 1996 -2004), was the department manager of TI’s semiconductor group when TI established TI-Acer. Texas Instruments has eliminated their R&D operation, and plans to be fabless for most of their production. TI was one of TSMC’s first customers. Much of the foundry model has roots from within Texas Instruments.

The Future of the American Chip Industry

Intel will continue to dominate the Personal Computer microprocessor business for the foreseeable future. There are threats. AMD does everything well except make money. A Taiwan company called “Via” may be the more significant long-term threat. Via designs the chips and manufactures them at the local foundries. Via’s core designs originated with Cyrix Semiconductor, a company started by ex-Texas Instrument engineers. Cyrix was sold to Via in 1999. Via’s processors are competing well against the Intel “Atom” microprocessor, in less expensive laptop computers.

AMD recently completed an agreement with a company from ATIC (Advanced Technology Investment Company) funded by the Government of Dubai, that should enable them to continue to compete with Intel. AMD plans to build (with their partner), a chip manufacturing facility in Saratoga County, New York. AMD currently manufactures all of its microprocessors in Dresden, Germany.

AMD has a technology exchange agreement with IBM. IBM continues to do well. IBM’s strategy is to participate in higher margin products and avoid commodity markets like DRAM. IBM remains a world leader of chip technology.

Foreign companies continue to invest in U.S. fabs, but at a reduced rate. Samsung is doing well with its DRAM factories in Round Rock, Texas, a few miles north of Austin. Samsung operates two fabs; the newest fab opened in 2007 and is considered state-of-the-art.

There are also success stories at the lower end of the technology scale. X-Fab, a German company, operates a fab in Lubbock that is a bright star on a bleak landscape. X-Fab excels by thinking “out-of-the-box”, something exceedingly rare in the chip industry today, ironic considering its history. It would be impossible for X-Fab to compete in a high volume, low margin business like DRAM, but they do very well with custom analog chip production. The facility was originally built by Texas Instruments.

More than half of the chip fabs in the United States in in operation at the beginning of the decade are now closed. Outside of Intel, there has been little to cheer about. There is little mystery about what the future holds. Our actions today determine our consequences tomorrow.

About the Author: Brian Bradshaw is a 25+ year veteran of the Semiconductor (Chip) Industry. His career includes work at AMD, Varian, and Sematech. He is currently General Manager of In Situ Host Systems.

Author: Brian Bradshaw
Article Source: EzineArticles.com
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Australian manufacturing has suffered a number of blows over the years, and it’s the advanced segment that’s bouncing back from the ropes and the business is still going global.

Manufacturing is dead. At least, that’s what the media seemed to report when Pacific Brands moved their textile production offshore last year. But it seems manufacturing still has a life in Australia as the success of advanced manufacturers such as ResMed and Cochlear show, indicating that not only is manufacturing still alive in this country, it’s evolving.

Traditionally, advanced manufacturing includes precision engineering, diemaking and tooling, composites, automation, and new materials, says Hayden Williams, Austrade’s manager for advanced manufacturing. “From an Austrade point of view we see it as high value-added manufacturing. We have automotive, defence, security, aerospace, marine and rail, plus enabling sectors.”

Medical instruments and biotechnology production also fall under the umbrella, though tend to be classified under medical exports. In addition to goods, Williams says exports include intellectual property, services, technology, and inbound and outbound investment.

Dr John Blakemore, principal of Blakemore Consulting and president of the Manufacturing Society of Australia, takes a slightly different view, separating the manufacture of advanced products from advanced manufacturing process. “Australia is not greatly renowned for any advanced manufacturing process. We have some companies that make advanced products, which is quite different, though not a lot of advanced processing is used to make them.”

Advanced manufacturers innovate the process of manufacturing to make a finished product, he explains, thus the sector includes value-add resource processing in the mining industry where we have “refineries with world class technology”. The product may not be high-tech, but the process is.

And taking the definition of manufacturing as a conversion of raw materials to an output via a series of activities, Blakemore adds film production, including computer-generated imagery (CGI) and other types of technical production, under advanced manufacturing.

New exporters

“Australians are very good at short production runs because we have a small domestic market. Our manufacturers tend to be flexible, producing goods of high value and high quality, perhaps in quantities that other manufacturers overseas aren’t interested in doing,” says Williams, outlining some of our key advantages.

His advice to new exporters in this space is to choose an international market carefully. “If the company is export ready, we want to work with them to pick the right market. The world looks to be full of opportunity, but you have to prioritise. It also depends on the specific sector and whether the market requires them to have a presence or not.”

Governments and industry associations run workshops and missions that will give new exporters an insight into the most suitable global markets for their particular segment, he advises.

Existing exporters

Looking for growth markets and growth opportunities is the key to expansion for existing exporters, says Williams. Asia and India are growing markets, particularly for automotive parts, but the space is competitive, he warns: “When the US auto market declined, a lot of Canadian and US auto companies were looking for opportunities as well.”

Blakemore recommends starting a relationship with Asian countries now if you intend doing business there, particularly China. “You have to build long-term relationships with the Chinese, so you have to start early.”

Diversification across sectors has also been helpful for many businesses, according to Williams. “Once where they might have been 90 percent auto, they’re now 50 percent auto and they’ve gone into defence, marine, aerospace. Some have gone into medical instruments. One company went into artificial limbs.”

This especially helps if the nature of the sector is hard on the bottom line, such as with the “lumpy” payments experienced by suppliers to the defence and auto industries, he says. “They have to even out the lumps otherwise, when there’s a downturn, a lot of them go broke.”

Advanced exporters

Austrade has developed cluster programs for more advanced exporters to develop relationships with others. Williams says clusters and missions “aim for cross-fertilisation where companies can help each other with projects” and encourage businesses to be “cooperative rather than competitive”.

Using a supply chain model will allow Australian businesses to focus on our strengths, says Blakemore. “We have a well educated workforce. We can do all the design work for products that could be manufactured anywhere.”

This is an objective of the Federal Government, says Williams. “Most of this industry is global so the imperative is to get Australians into the global supply chain. We have a skilled workforce and we’re interested in keeping the R&D and operations in Australia. If that’s not viable, Australian companies might go offshore to manufacture part of the product, or we look into foreign direct investment.”

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Differentways to sell property in this climate

February 15th, 2010 in Uncategorized by Roger Roy

Have you ever wondered how to sell a your home quickly? Why some houses on your street sell as soon as an estate agent board goes up and how other houses are on sale for months or even years? This is not a riddle, but has more to do with knowing some of the basics which would help you to sell your house quick. People’s confidence in the housing market fell rapidly, and to its lowest in the past 30 years.

#11 - handmade for sale sign by RedJana

As if there aren’t enough things to worry about when you want to sell your home , for the past year we have also had to put the credit crunch and its effects into consideration an its effect on buy my houses

The majority of people can only buy a home with a mortgage from a bank or similar. At the moment this has become difficult unless you have a huge deposit or even a flawless credit history. Some reports say that home re-possessions by banks are gradually increasing. This may be avoided if one is able to quickly sell their house . One avenue to buy my houses is through an auction, and maybe even from a list of properties that have been re-possessed. Some buyers are investors, and might offer cash in order to gain a quick sale, thus avoiding eviction. The balance goes to the seller, and so the bank would receive the money for the mortgage as they would have first charge. It helps if your property is in a top condition too. This is one of the ways to help your home sell faster.

There are some things that some companies might offer to you so you would choose them when deciding to sell quickly; no chain or viewings, no valuation fees, the solicitor fees are paid, all debts may be cleared and no HIPS or estate agent fees.

Do pick up lines get the girls

January 20th, 2010 in gerneral by Roger Roy

“The night is young, the moon is bright, and you are here with me tonight.”

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I found this and other good pick up lines at this cheesy pickup lines site. I think its a new site as it looks like it hasn't been completely finished yet. Have you tried this one:

“I’m like chocolate pudding, I look like crap but im as sweet as can be. Are you an alien? because you just abducted my heart.”

serenading super hot british birthday girl... by permanently scatterbrained

Have you ever wondered if pick up lines do work? If you are the ugliest man in the bar then any funny pick up line won't help you to pick up girls. Well at least most of the pick up lines are pretty funny.

Bad credit is not bad news

January 20th, 2010 in Uncategorized by Roger Roy

Thinking of buying a car but your bad credit holds you back from securing especially when you think of financing it. The reasons for having poor credit can be numerous like past bankruptcy or simply default payment on either credit cards or loans. Of course obtaining a new car or used car loan with bad credit is not as easy as securing it with good credit score. Fortunately, now there are ways to increase the chances of not only obtaining car loan, but with affordable rates. Thus for people with poor credit, following the below mentioned strategies can help them assuring car loan approval at lower interest rates while giving them a second chance to improve credit rating for securing finance in future.

>>Maximize Down Payment:
Increasing the size of your down payment can help you gain approval on your car loan with any credit situation as it provide greater equity or security to the lender. Thus the lender is quite assured as half of the payment is made and offer you quick approval. Down payments also help you to reduce the interest rate as the lender is secured with the amount which ultimately reduces your monthly payments and chances of being upside down on car as the principle amount is reduced.

>>Getting Pre Approved:
Pre approved automobile financing for bad credit gives you negotiating power against the dealer to get lower price on car purchase. As you are pre qualified, it helps you to know exactly how much money you can afford to spend while buying a car, which enables you to be within the budget and allows to focus on getting the best car without worrying about financing.

>>Having a Cosigner:
Applying with a co-signor is an excellent way of getting approved for a car loan with bad credit, zero credit or even with a past bankruptcy. As a co-signer also known as co-debtor is held responsible for the loan if the primary borrower fails to repay and the car's value is not enough to cover the lender's financial losses. This reduces the risk of a lender and he can be assured of his payments. So, the lenders take into account a co-signer's credit score & history and grant you loan only if he qualify. In brief, applying for a car loan with co-signer having good credit history can offer you a guaranteed approval with better terms.

>>Finding a Sub Prime Lender:
Most banks and finance institutes only lend to people with prime or good Credit. If you have poor credit, bad credit, or very bad credit score, financing your automobile through sub prime lender can be the best source. The probability of approval for finance through sub prime auto lender is high as they specializes in offering finance to people with poor credit. They can offer you much more flexibility in terms and rates compare to the market and reduce inquiries on your credit report. Hence, before buying a car with bad credit you should first check your credit score and if it is poor then find a sub-prime lender.

>>Offering Collateral:
Bad credit borrowers can opt for a car loan in two forms, one is secured and another is unsecured. Through the secured form of bad credit car loan, the borrower can pledge his any asset like home, boat and even his current car with the lender. This offers security to the lender about the repayment of the loan amount and thus you can have the benefit of borrowing as much as you want to the value of the collateral, lower rate of interest and instant approval.

>>Financing without Credit Check:
Many lenders now offer a great platform through no credit check car loans for the car buyers with poor financial background to get their dream car. As no credit check vehicle loan is provided on the basis of an individual's income and employment history. So a person with significant income and employment history can obtain finance regardless of the credit issues.

>>Comparing Quotes Online: Now the borrowers can find affordable deals online as per their requirements by surfing for bad credit car loan online. Whereby, they can compare the loan quotes sent in by the lenders and without roaming around the market. All you need to do it to fill in a online car loan application form and wait for the approval, usually you can expect a response within one or two business days. A significant advantage of applying online is that you can fill from the comfort of your home while saving your time, money and without any hassle.

Bad credit borrowers now can take a relax breath with bad credit auto loans and following above simple footsteps which can lead them to securing a car without any botheration of being rejected. Online auto financing company can get you affordable car finance rates for either new or used car. All vehicle financing program are designed considering all credit types.

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Property tenant needed quickly

January 18th, 2010 in Uncategorized by Roger Roy

Fern Road, Priory Estate, Dudley. by Bobasonic

rent back my home

If you own property in Paphos and you want to sell it, then my advice would be to wait for another year or two. It is, presently, very hard to sell a property for the right value. Owners who are desperate to sell are getting steep offers and are selling their homes for a lot less.

When Cyprus changed from it's Cypriot Pound to Euro, property prices went up. But now the euro is level to the sterling British pound, which makes it worse for tourists coming from the United Kingdom wanting to buy property.

Prices have changed considerably now. A small, three bedroom detached villa with a private pool was roughly priced at 350,000 euro, but today I have seen this kind of property up sale at 210,000 euro with most having to drop this price by taking an offer. A one bedroom apartment should be priced at 110,000 euro, but today it is seen at roughly 70,000 euro. Some one bedroom apartments around the Paphos area can be found at bargain prices at around 50,000 to 60,000 euro, but these are hard to find. Placing a property on sale at a high price will not encourage buyers to view it. In my opinion, if you have to sale today, then put it on the market for a reasonable price straight away. Of course, apartments are harder to sell and are not really getting many sales, as there are too many new buildings of apartments being constructed for sale at present. So in this case, if someone does want to buy an apartment in Paphos, then it will be a good market for the buyer. There are plenty of apartments in Paphos to choose from for the buyer, which puts the seller in a bad position.

Properties for long term rental are, also, going down in price. A one bedroom apartment was 400 euro per month, but now you can find a great one bedroom apartment for about 250 to 300 euro per month on a one year tenancy agreement. A three bedroom average villa with a private swimming pool was 800 euro, but now it has gone down to 600 euro and people that live in Cyprus know this now. This type of villa would have an en suite main bedroom with two other bedrooms and a main bathroom upstairs. It would have a downstairs cloakroom and a decent size kitchen with a utility area along with a garden and a private swimming pool. Air conditioning throughout should be in this price too.

A four bedroom villa with a private swimming was 1200 euro per month, but now it has gone down to 950 euro per month. This would have at least two en suite main bedrooms and two other bedrooms sharing a main bathroom. Downstairs would have a cloakroom and a good sized kitchen with a garden and a private pool. All villas like this should have full air conditioning throughout too.

There are too many properties on the rental market at present, so it is getting harder to rent properties in Paphos. The holiday rental market, however, is a good one here. Properties are still expensive for holiday let. A three bedroom villa with a private pool for one week holiday rental is about 600 - 700 euro. A one bedroom apartment with a communal pool on site is about 400 euro per week. A two bedroom apartment with a communal swimming pool is about 500 euro per week.

So, if you want to visit Cyprus for a holiday, then why not book your villa or apartment and sample the Cypriot lifestyle this year.

good blog to copy my blog on

January 13th, 2010 in blog by Roger Roy

 

SCARY INTERNET STALKER FREAKS ARE FOLLOWING ME EVERYWHERE by ♥ shhexycorin ♥

Having found this blog do you think I should base mine on it?

website link

I like the way of writing and think that the subjects are very interesting.

The topics on the site are my type of thing and I have been reading them with great interest. I can't decide if i should try to make my site like them or write in my own style. Hmm too much to think about!

 

Shopping downturn

January 13th, 2010 in Uncategorized by Roger Roy

shop: shut by polyphant

commercial shop sale

Let's get frugal. With no end in sight to this downturn in our economy, it would behoove all of us to be careful with our money. At first, this was a painful thought for me as I love to shop but as with any formation of new habits, after a few weeks of following the guidelines it has become easier (if not second nature). So what are some of the rules I've been following:

1. Pack your lunch! This was one of my daily expenditures. To eliminate needlessly wasting money on food that wasn't even good for me, I started buying Lean Cuisine entrees (6-10 at a time) and stashing them in the freezer at work. At $2 an entrée, it's a heck of a lot better than the $5 to $6 I was spending daily on lunch.

2. No more Starbucks. I had gotten into the habit of stopping by Starbucks on my way to class. My rationalization for this was that I deserved a treat; I was working hard so it was ok. Once I eliminated these trips, I ended up saving $15 a week or more. It was very tough in the beginning, but like I said stick with it and the new habits will replace the old ones.

3. Go easy on the shopping! My work situation allowed me to go shopping on the lunch hour. With the nearest mall only five minutes away, I went shopping a minimum of two times a week. Once I changed jobs and did not have the same access to shopping, I noticed what a bad habit it had become. The change was brought about by things outside of my control but I have continued the change on my own, limiting my shopping considerably. Learning to get creative with what you already own will expand your wearable, workable wardrobe.

4. Plan ahead. Number one (packing lunch) falls under this. By planning ahead, I was able to eliminate certain expenses. For example, every time I was running late for work (which happens a lot) the first thing to go from my morning is breakfast but I'm still hungry. What do I do? Stop by a drive-thru and needlessly spend $6 easily. So now I own a coffee maker that has a timer and I set it so that it's waiting for me when I'm dressed and ready to go. In addition, I always keep some microwaveable oatmeal around so that's a quick two minute breakfast. Other opportunities to plan ahead and save money could include:

a. Putting together outfits for events well before the event, eliminating the need to go last minute shopping and buying items you would never buy under normal circumstances.

b. When going shopping, pinpoint in your mind what you want. Stick to that so that you're not lured by attractive merchandising.

c. The holidays are coming up. Start making lists of who you need presents for, what the budget is and start comparison shopping. Keep that list handy when you go shopping because once again, you don't want to be lured into the retail trap.

To make your own guidelines, evaluate your spending habits and see where you spend the majority of your money. After identifying, what can you change that would mean spending less? Any change no matter how small is a change nonetheless. That's more money in your pocket than you had before. Good luck!

Bad noodles is Good news!!

January 12th, 2010 in Uncategorized by Roger Roy

NISSIN_milk seafood noodle (limited) by azzzzz

The most universal belief humans have is luck. If you're looking for a new theme for your next party, or know somebody who needs a little bit of luck, consider throwing a good luck party.

First of all, you're going to need to send out invitations. In many Asian cultures, small red envelopes are a sign of luck so make sure to mail your invites in these. Consider making your own invitations. An appropriate phrase to put on the front or at the top would be “Do you feel lucky?” Pennies found heads up are another sign of luck. Put a lucky penny in the envelope with each invitation.

Ask the guest to bring some lucky coins of their own. Get two piggy banks and place one on each side of the door. Make a sign telling them that the money in one pig will go to charity and the other will be a prize for the game. Later in the night, count the money in the pigs and give the one with more to charity.

A simple game to play involves a deck of cards. As guests get their drinks, hand each one a playing card face down to use as a coaster. Remind them that they must keep it face down. The guest that has the highest value card at the end of the night wins a prize.

For another fun game, have your guests pair up and give them each a penny. Let each person have 5 flips and chances to guess. The winner is whichever guest guesses heads or tails correctly the most times. Pair up all the winners and continue the game until you have one winner. They get the other pig full of change.

If your guests are more interested in getting lucky than being lucky, try a game that will get people to mingle. Collect a list of items that people consider to be lucky and have guests ask one another why the object is lucky. If they don't know, encourage them to make up the best reason they can think of. Some items that are considered lucky are horse shoes, lockets, acorns, three keys together, scarab beetles, 4 leaf clovers, rabbits feet, and feathers.

Serve foods that are thought to bring good luck like dumplings, longevity noodles, black-eyed peas, whole fish, lentils, cornbread and cabbage.

Keep your party's décor Asian themed with lots of red and gold. Lucky bamboo would make great decorations or centerpieces.

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