Your Financing Strategy

TYPES OF ACCOUNT:Ask questions from your bankers which of one these will benefits you most and which one could be costly to you. You can also get free checks when you open your account, you do not need to pay for checks. All checks are processed the same way that is up to you and how you manage your money.-Savings Accounts: Custom Savings, Money Market Account Checking Accounts: Economy Checking, Express Checking, -Regular Checking, Senior Checking, Student checking
-Your Debit/Visa Card to use for shopping could be free when you open your account, make sure you ask for it, at times they will ask you if you want one or not. Where you use your Debit/Visa Card to withdraw money matters to your bank, it could cost you for using it at the wrong places, ask your banker for information where you could use your card without paying extra charges…Some banks charges between $1.00 up to $3.00 if you use their card to withdraw money from another bank that they do not do business with. It is your money…Each one of the above has advantages and dis-advantages, be careful when you are opening your accounts; you could loose money to the bank right away. You also need to know if your monthly statements are going to be free or not, when you make inquiries, the bank could be charging you for too many inquiries. Some things are free from the big banks and something’s are cheaper from the community banks.Basic Requirements for lending you money:
· Savings and Checking Account
· (2) Good Credit or No Credit it depends where you are getting the money.
· (3) Collateral such as your House, Car, Boat, Gold/diamond or any valuable assets they can hold on
· Driver’s License,
· Social Security numbers
· Good Employment, at least for six months.Lenders Information:
Big Bank requirements-
Can be very tough to meet because they have to abide by the ‘Federal Reserve Bank or Federal Deposit Insurance Corporation (FDIC)’ regulations. They got their money from the Federal Reserve Bank at a lower rate, however, they could turn around and loan it to the smaller banks at a higher rate, and the smaller banks loan it at higher quote rate to the public.Community Bank requirements/Credit Union:
Well, the community bank is no different either, they turn to the big banks to borrow money at a lower rate so that they can loan it to their customers/clients at a higher rate to make some profit to stay in business.Private Capital market requirement:
This is where the business gets tougher. The Capital Market enterprise is a big boy on the Wall Street, where they can finance just about anything they like, because they are not being regulated by the government, it is an individual rich businessmen that have money to loan out at a higher rate. They are not required to follow financing rule rigidly as the bank does, but they still have follow the consumer law that protect all of us from being taken advantage of.Family friends requirement:
This one is your best source of financing, if you could find a rich friend or family friends that can loan you money without any attachment or collateral. They may ask you to pay them some small interest, or none it all depends what you are using the money for, at they would like to get a piece of the apple when they know you are going to make a lot profit.Collateralization:
There some companies out there that would loan you money to meet your emergency needs, but becareful, they may ask you to give them your house, car, motor cycle or any of your valuables for collateral just in case you were unable to pay them back, but, they are very quick to take your valuables and you may not have any re-course to take them to court for doing so. I would stay away from such financing unless you have to…There is going to be a time when we are going to need finance or re-finance our mortgages, car, motorcycle, big boat, air-planes etc., that we cannot come up with up-front lump sum money to pay for it This force us to turn to our bank, family friends, private capital market, small loan companies to loan us that money. This is where we are being taken advantage of by offering us some sort of un-affordable rates. At first you would think this a great opportunity that it will not be problem, you could afford that payment being offered to you by your lender, you better think again before you sign that dotted line. They could be collecting interest from you money for long time without any of it going to your principle.Pay attention to dotted Line and Small print in the loan documents:
The loan documents can be very tricky to read when you are not an attorney, the small fine prints areas are very important areas to pay attention to, because this is where they hid rates, timeline, and warrante, but if you don’t pay attention to the rates they quote or offer to you in the loan document that you are going to sign you could be losing a lot of money. You probably better off to take to your attorney before you sign the dotted line.In the fine print of the loan documents is where they hid most important information that your lender did not want you to know about, especially mortgage and credit card documents. It sounds strange, but it is true, If you don’t believe what I said here in this document, go to your loan documents and read the small prints in there you may find out something that you would not like to see or hear about, or if don’t believe what I said here, ask yourself a question of why didn’t they just print the whole loan documents in a readable format with nice fonts that an average third grader can read and understand it without having to scratch their head or look up words in the webster dictionary for interpretation of words, after all you are the consumer paying them for this services and they will be collecting interest from your financing for such a long time. 95% of mortgage homeowner never gets to the point of paying principle or their mortgage finance off before being taken away from them, but the bank or private investor already started to benefit. Yes, I understand they took the risk to finance us.I think what is fair is fair, they should make the loan documents more readable for us, and there should be no small prints that is had to read on any loan documents. They should be in a readable format that average Joe can understand; my question all the years was why are they making it so complicated to read if they do not have anything to hide? I also think the loan documents should not have so many pages when we are talking about saving the threes… Not too many consumers read all these pages, it has no value to have so many pages when no one really reads it, of course the attorney will not be making money if they these document could be reduced to minimum.My solution to this big fat loan documents should be to reduce them to minimum, all it should it be contain is, who own the house, the rate, how long is going to be paid, warranty, borrower’s and co-borrower, and all other very valuable information it should not be more than 10 pages long.For more information and free reports on how to start your own business and increase flow of traffic to your business web site see my resource box.I appreciate Ezinearticles management for given me the opportunity to publish my article on their web site. I plan to write more articles in the future.

Online Photography Degree Education

There are various online schools and educational programs available that offer students the opportunity to receive an education in the field of photography. Photography professionals are trained to work with a variety of individuals in a number of settings based on the industry and specialty they choose. Students who enroll in an online photography program will learn various techniques for capturing still images using special equipment. With the proper education students will have the opportunity to gain the knowledge and skills needed to become a professional in the field of photography. Students have the opportunity to earn an associate’s, bachelors, or master’s degree online from the comfort of their own home.Obtaining an associates degree in the field of photography typically takes around nine months for students to finish training with an online educational program. Students will have the chance to study various coursework such as:
photography equipment
design and composition
and other related techniques. Online training from an accredited school or college allows students to obtain the skills needed to find employment as:
forensic photographers
portrait photographers
fashion photographersand other photography professionals. With an associates degree in photography students will be able to further their education and pursue a bachelor’s degree in the field if they desire.There are a number of accredited online schools and colleges that provide students with the opportunity to earn a bachelors degree in photography. Students can gain an education at this level with one to two years of study depending on their career goals. Career opportunities for those who choose to train for a bachelor’s degree in photography can include:
commercial photographer
and more. With an online degree program students will be able to study a variety of courses like:
digital imaging
exposureand much more. An accredited online bachelor’s degree allows students to be prepared for entering the workforce or a master’s degree program.Students who are looking to acquire a master’s degree in photography can complete the program in around two years or less. Students can study various online coursework in areas like:
fine art photography
field techniques
studio photography
stock photography and more depending on their desired career. Students who earn a masters degree will have the knowledge to pursue a number of career options in areas like:
documentary photography
action photography
underwater photographyand much more. Online master’s degree training can be completed online at the students’ leisure. With a masters degree students will have acquired all the necessary training to enter the workforce prepared.Students who wish to study in order to become professional photographers need to be determined, and committed to the program they enter. Accredited online educational options are plentiful, allowing those who desire a career in this field to obtain the education needed. Accreditation is provided by agencies like National Association of Schools of Art and Design ( to programs that can offer a quality education. Students can pursue careers in a variety of areas whether they hold an associates, bachelors, or masters degree in the field. By contacting schools and colleges students can prepare for the exciting new career as a professional photographer.DISCLAIMER: Above is a GENERIC OUTLINE and may or may not depict precise methods, courses and/or focuses related to ANY ONE specific school(s) that may or may not be advertised at 2010 – All rights reserved by

Life Fitness – Fitness Brand to Be Reckoned With

The global fitness industry is greatly indebted to a man who invented the Lifecycle exercise bike, the legendary equipment that foretells the story of today’s fitness consciousness around the world. It was Dr. Keene P. Dimick who designed the Lifecycle exercise bike in early sixties for own fitness purpose. He sold the right of his bike to Ray Wilson and Augie Nieto who modified the design of the original bike, commercialized it and founded the Lifecycle, Inc. Many other fitness equipment and fitness concept sweep the then American society and increasing popularity propels many fitness industries come into existence. In the eighties Bally Manufacturing purchased Lifecycle, Inc. and renamed it as Life Fitness, Inc.That was the entry of a lion king of fitness in the industry who later conquered the market with Life Fitness Rower and StairClimber in late eighties. In early nineties they introduced FlexDeck® technique employed Life Fitness Treadmills. The next product, Total Body Cross Trainer became best seller of the market. New cardio training equipment with improved technology gain popularity among trainers and users. With the increasing fitness consciousness around the world Life Fitness Academy for supporting and advancing fitness training is established. The ever growing membership numbers of the academy tell the success story of Life Fitness in the industry.A sincere effort and continuous research and development in the field of social and commercial health and fitness have empowered the Life Fitness to gain popularity all over the world. The head offices located in Illinois, North America and several other countries of Europe, today they have distributors and dealers in more than 120 countries, 12 international manufacturing unit and branches employing 1700 or more people and innumerable satisfied customers and members of their products and service.The Life Fitness, Inc. sells their fitness equipment and accessories under several brand names. Apart from products, Life Fitness daunts its competitors for the extensive pre and post-sell services, and other commercial services such as health clubs, community gyms, and providing expert fitness trainers in various premium clubs, schools etc. across the country.The ‘life Fitness’ brand is a highly trusted name among exercisers, athletes, personal and commercial fitness trainers for more than thirty years. All the commercial cardio training equipment and strength product line equipment fall in this category. The home product lines for cardiovascular and strength, i.e. all the consumer class products are also included in this brand. The Life Fitness brand products of Cardio line include treadmills, Elliptical Cross Trainer, the famous Lifecycle Exercise Bike, StairClimbers and Summit Trainers. The strength product line has the Cable Motion, Signature Series, Circuit Series, Pro2 Series, Fit Series, Core series etc. for commercial purpose and Home Gyms for personal use.Hammer Strength® is the first preferred brand of Building Champions for advanced tech strength training equipment. The products are named for hi-tech biomechanics, hard core performance and longest durability. Plate-Loaded equipment, MTS i.e. Motion Technology SelectorizedTM equipment, Training Vests, Benches and Racks, and Heavy Duty Racks is the Hammer Strength® brand products.Old or used Exercise Bikes and Treadmills are refurbished through 20+ point check process, repainted, damaged or old parts replaced with new Life Fitness parts and sold as CPO products at most affordable prices for those who fancy of fitness but have scanty budget. Other accessory fitness products include gym kits for men and women, caps, workout bags, posters etc. Life Fitness offers a complete range of all types of products related to fitness.