Archive for May, 2007

Military Loans Explained Simply

Posted in Military Loans on May 2nd, 2007

Military loans are actually a wonderful benefit offered to those who are currently or formerly in any of the US armed forces. Whether you are in the air force, army, navy, marines, or any of the national guard or reserves, you are eligible for these short term military loans. However, not everyone knows about them or how they work. Here are military loans explained so that you will be able to see and understand just how valuable they can be.

Military loans are short term loans given by various institutions to those in and formerly in the military. They are easier to obtain and given at a lower interest rates than similar loans offered to the civilian population. They are easier to pay off and the terms, in general, are very much in the favor of the borrower.

What Can Military Loans be Used For?

When you have military loans explained to you, the first thing you will likely be told is that they can be used for almost anything. You can use your military loan money to add on to your house, buy nursery furniture for the new arrival, go on vacation, or even pay off a bill that you are running late on. The great thing about these loans is that they have very little in the way of restrictions on them.

Easy to Get

Getting a military loan is easy. The best way to do it is to go on the internet and make a quick search for military loan institutions. Once you find a place you like or with which you are comfortable, you will have to fill out an application. Almost all institutions offering military loans offer the applications online for your convenience. You will be asked to fill out personal information, including your social security number of military information. Then, you will get a response, in most cases, that same day.

Getting the Money

Once you are approved for a military loan, you can receive the money in a number of ways. You can have it wired to you, direct deposited into your account, or get a check in the mail. It is really up to you. You can even have the money dispersed to a family member, so that if you are stationed over seas and want to send your family money to repair the roof, you can do that with ease. In fact, if your spouse has power of attorney, you can even have him or her apply for the loan on your behalf.

Paying Back

Most military loans can be paid back by direct removal from your government salary. This will prevent any late fees and gets the loan paid off quickly. In addition, if you do come into the money faster, you can pay off a military loan without accruing fees or extra interest.

As you can see once you have military loans explained, that they are incredible benefits for those in the armed forces. They are great because you can use them for whatever you see fit, can get them easily, and will be able to pay them back easily.

Working at Home as a Medical Transcriptionist

Posted in Medical Transcriptionist on May 2nd, 2007

Medical transcriptionists responsible for transforming various hospital reports from their dictated form to the written form. Every day, thousands of patients are admitted to hospitals around the world. Most patients are seen in any emergency room and in some point would require for various laboratory tests and x-rays. Every time a patient interacts with a medical professional, reports are generated – just imagine how many medical reports are dictated every single day.

Medical transcriptionists transcribe medical reports that are saved as hard copies or stored on computer. As long as there are doctors, medical reports will be created and will need to be transcribed, providing job opportunities for medical transcriptionists.

Working as a medical transcriptionist doesn’t necessarily mean working at a desk in a hospital or medical office – you can have a career in medical transcribing while working from the comfort of your home by applying online to medical institutions. Most medical institutions have web sites where they list job openings.

Be very careful, however, when in filling out the online form. Carefully the instructions before answering questions, since medical companies look at how well you’ve followed instructions and filled out the form as a basis for hiring. You must be meticulous with your grammar and spelling since medical reports need to be transcribed without any mistakes..

The usual requirements for transcriptionists are as follows: They must have a thorough knowledge of medical terminology, an excellent command of grammar and above-average keyboarding skills. Keyboarding is more than just typin – it means proficiency in using all the keys on your keyboard. Procrastination is not a trait that works well in this profession, so if you have the habit of putting things off then medical transcription is not the job for you. Home-based transcriptionists must be independent self-starters, should be able to research unfamiliar phrases or jargon when necessary, and should be conscientious, detail-oriented workers.

Most companies would rather hire medical transcriptionists with previous in-house experience when hiring someone to work from home, since they can save time that would be spent training. Many require that applicants have a year or more of experience working in a clinic or hospital.

If you’re an aspiring medical transcriptionist without any experience, though, there are some companies that only require their applicants to have excellent listening and keyboarding skills and, of course, good understanding of English grammar. These employers provide their home-based applicants with medical resources that contain terms, abbreviations and medical definitions to assist them on their transcription.

How To Apply For A Factoring Loan

Posted in Factoring Loan on May 1st, 2007

Factoring is the process of securing money against outstanding accounts receivables for your company. Despite the idea out there that only businesses that are in financial trouble use factoring, it is actually a common practice for many businesses. From time to time, most every business, and especially small ones and start-ups, will find themselves short of cash while waiting for payment on a product or service already provided. What factoring does is allow you to have the money for payroll and overhead while you wait.

Factoring loans are not hard to get. In fact, most businesses qualify for factoring of up to 80% of the value on outstanding accounts payable receipts. Despite the ease of them to get, there is an application process involved when using factoring with your business. Knowing how to apply for a factoring loan can make the entire process go more smoothly for you when the time comes to get your factoring loan.

How it Begins

The first part of how to apply for a factoring loan depends upon what institution you use for the service. If you are using an online financial institution or at least the internet as a means to contact them, you will likely be filling out a simple online application. If you are working with an institution in person, then you will fill out paper work in person instead of electronically. Either way, though, you will fill out similar information about not only your company, but also you personally.

Business Part of Application

When looking at how to apply for a factoring loan, you can divide the process into three parts. The first of those parts is information about your business. To fill out your factoring loan application you will need, obviously, the name of your company. You will also need to give them the “DBA” if you have one, the physical address of your business, and all other contact information including email addresses, website, and even telephone and fax numbers.

From your business, you will also need to make sure you can supply your federal tax ID number and state of formation. What type of business you have in terms of what you do as well as whether your company is an LLC, corporation, partnership, or whatever else yours may be.

Personal Information

The next part of your factoring application will likely ask for personal information. Again, you will need to have contact information and address. They will also likely want to know what percentage of the company you own. Finally, for credit purposes, they will in almost every case ask for your social security number.

Customer Information

Finally, when learning how to apply for a factoring loan, you will need some client information. You will likely be asked to supply the names of at least a couple of your biggest customers whose receipts you will be factoring. Additionally, you may have to provide information about how much money’s worth of unpaid A/R you have.

Knowing how to apply for a factoring loan is important so that you can have information at the ready when the time comes. You will want to have information about your company, you personally, and your clients. With all of that in hand, you will be only a few hours or days away from the factoring loans you need to keep your business running efficiently.

Shopping for the Best Discount Chandeliers

Posted in Discount Chandeliers on May 1st, 2007

Congratulations! You have decided to add the amazing look and warmth of a chandelier to your individual living space. While choosing the right type of chandelier for your home can often be difficult (crystal, rustic, contemporary, etc.), it is also a purchase that can represent a substantial investment. In fact, many chandeliers can cost upwards of several thousand dollars, depending on the materials used in design. With that being said, there are several merchants that offer outstanding discount chandeliers. How can you feel confident when shopping for the best discount chandeliers? In this article, we’ll take a look at some common sense tips that may just end up saving you major money on your chandelier purchase.

First and foremost, determine the type of chandelier that you are interested in buying. Once you identify the particulars of the piece you want to purchase, it will be much easier to find the right discount chandelier for you. What are the things to consider when shopping for the best discount chandelier? Naturally, you will want to have an idea of the style of chandelier you are searching for based upon the style of your home. It wouldn’t make much sense to buy a crystal chandelier if you live in a log cabin; conversely a contemporary chandelier would probably look out of place in a large mansion. You should then decide whether you prefer glass or metal, and how many lights you want your chandelier to have. Once you have a pretty good idea of the type of chandelier you are looking for, it will make shopping for the best discount chandeliers a painless process.

You should approach buying a discount chandelier much in the same way you would a car. Compare, compare, compare. There are literally hundreds of discount dealers out there, and they all offer unique chandeliers at varying prices. By searching several different merchants and the pieces they offer, you will be able to search out the best discount chandelier at the lowest price.

One tool that you should definitely consider when shopping for the best discount chandeliers is the internet. There are so many more retailers available online than in your local area, and many of them can offer rebates, free shipping, and/or custom designs. In addition, web sites such as ebay and ubid allow people from around the world to sell chandeliers at very low prices. One last advantage of using the internet when shopping for the best discount chandeliers is the ability to see detailed photos and receive in-depth details about the chandeliers you are interested in. Whereas your local merchant may only have a handful of chandeliers in the style you prefer, the internet is sure to have lots of choices at great prices.

A chandelier is sure to give any room in your home a whole new personality; an interior fashion face-lift if you will. By following the tips discussed above when shopping for the best discount chandeliers, you will be sure to find an amazing chandelier at an unbeatable value.

Free Mah Jong Games on the Internet

Posted in Mah Jong on May 1st, 2007

It is not hard to find free mah jong games on the internet. However, what is the value of playing them? There are actually a number of reasons you should consider free mah jong games on the internet. By taking a look at those, you will find that perhaps you will want to start downloading free mah jong games on the internet.

First of all, downloading free mah jong games on the internet will save you money. Sets of mah jong can be expensive, even the cheap sets. When you get free downloads on the internet you get to play the game in different versions any time you please. If you want to do that in real life, you have to buy various sets. A lot depends on what different versions you want, but buying one set is expensive, much less several.

Secondly, if you download free mah jong games on the internet you will get the chance to play many versions and learn many rule sets. Mah jong, since going global, has literally hundreds of versions of play. When you download you get not only the sets necessary and layouts you need, but also the rules you need to play any version. Playing versions of the game is what can make you a more complete player.

Third, may jong is a competitive game. If you download free versions off of the internet, you can play different people all you want. The more you play the better idea you have about strategy and how to compete. If you want to enter tournaments and even dream of playing internationally, then playing free online downloads is a great way to hone your skills. It also allows you to adjust to different rules depending on how a tournament plays the game.

Finally, by downloading free mah jong games on the internet, you just get something to pass the time. Even if you have never played the game before, you will likely find it incredibly intriguing and fun. It is a challenging game that will occupy you on your laptop or palm for hours as you wait in line, sit it traffic, or even relax at home in the evening. Even if you have never played the game before, downloading free versions of it can be enjoyable.

Free mah jong games on the internet are common and easy to find. You get to play varying versions of this popular game, get better at it, or simply learn how to play in the first place. That means you will be able to pass time and get away from the solitaire and free cell traditions that are so common with many online gamers or lap top time passers. So go ahead, download free mah jong games and broaden your gaming mind to the point where you are ready to compete.

Steps to Learning Spanish Online

Posted in Learning Spanish Online on May 1st, 2007

Learning a foreign language is both challenging and exciting. The sense of accomplishment after you’ve successfully passed a language course is indescribable. There are benefits derived from learning other languages – in business, for example, it;s easier to close deals when you know the language of your client. For job seekers. It’s a great advantage to speak multiple languages, as well.

Spanish language courses have increased in popularity in recent years – maybe because more Spanish soap operas are available on cable! Fortunately for those who want to learn the language, Spanish courses are available online. You can of course, try and learn Spanish on your own, but you’ll see better results if you take proper Spanish course.

If you’d like to translate Spanish text online, it’s simple:

1. Using a search engine, find a language translation page on the web. There are many to choose from.

2. After selecting a translation page, choose the appropriate translation format – say, Spanish-to-English – indicate the languages you are translating.

3. If you’d like an entire web page translated into English, simply paste the URL into the space provided and then press the submit button. A translated version of the page will then appear.

4. If you want other text translated, you have to simply paste the text instead of the URL into the space provided and then press the submit button.

Things to remember:

• Bear in mind that the translations produced are quite rough – usually an intermediate Spanish student could do better.

• When pasting in your own text, you may be limited to one or two paragraphs.

There are also tutorials available online, offering tips on how to speak Spanish:

1. In speaking the Spanish language, remember to pronounce the letters B and V the same way they are pronounced in English. This is easy to remember.

2. Don’t bother to learn verbs in anything other than the present tense.

3. Don’t forget to pronounce the letters D, G, H, J, L, Q and Z the same as they are pronounced in English. Again very easy.

4. If ever you don’t know the Spanish word just add “o” or “a” at the end of the English word in order to make into a noun or “ar” at the end to make it into a verb.

5. Remember that if a Spanish word looks like an English word, it probably means the same thing.

6. Also bear in mind to forcefully pronounce all consonants and to muddle the sounds of vowels.

7. Don’t forget to study courtesies such as “por favor” (please) and “gracias” (thank you) are important in Spain and Latin America.

8. Speak using the “tú” form of “you”

9. Avoid redundant pronouns

10. Hopefully, learn something!

It is still recommended that you take a professional Spanish course in order to learn correct grammar and pronunciation. Be sure to practice what you’ve learned in order to become more fluent in the language.

Guide to Small Business Factoring

Posted in Small Business Factoring on May 1st, 2007

Factoring is becoming a popular yet not so well known tool in the arena of small business. It is an important way of keeping cash flowing through the business when invoices are delayed or accounts receivable are higher than the money in hand. Basically factoring helps you get cash for your business without having that time delay from the time you issue an invoice. They also provide you with collection services and sales ledgers that can be helpful as well. If you are a small business owner, then you should consider this guide to small business factoring as a way to fund your business month to month.

How does factoring work? It is easy and yet complicated all at the same time. The factor will generally manage your sales ledger for you while also providing you with colletion services for all outstanding invoices. Typically you will be loaned 80% to 90% of the total amount of the invoice. You will generally receive the money within 24 hours of agreeing to the services of the factor.

Factoring for a small business does cost money, though. Usually there are a couple of different costs you have to consider. A service chare will usually cover the management of your sales and collections. The other charge is a percentage of sales factored as well as an interest charge of some sort on the cash advance the factor is giving you. The interest rates, obviously, will depend on your company’s credit, the credit of the invoiced companies, and the institution you factor through.

No guide to small business factoring would be complete without telling you want to look for in a factoring company. Obviously you should look for a stable financial institution that will be able to support the business. You should also look for good terms and a company you are comfortable working with since there will be plenty of interaction. Finally, you may want to consider a company that will give you internet access to your accounts. You can easily track the ledger, sales, collections, and your factored amounts that way.

It is also important to understand that no two factoring companies are completely alike. While much of what this guide to small business factoring has explained is typical, there are exceptions to most every situation. The best thing you can do for your business with regards to factoring is research the companies you are considering. Think about what you need and what you want and what everyone is offering you.

A guide to small business factoring can never be complete. There are too many ins and outs when it comes to almost any financial transaction. There are also a number of variables involved like current interest rates, your credit rating, reliability of your invoiced companies, and many other things as well. Before you ever agree to a factoring relationship, make sure you understand all terms as well as how long the contract is for and what renewal terms are. Protect yourself and do your homework and you can use factoring as a way to keep your cash flowing.

Various Domain Name Registration Prices Compared

Posted in Domain Name Registration on May 1st, 2007

Domain name registration prices are a market that is pretty well stable. There are higher and lower prices with various companies, but overall they are within a few dollars of one another. Where the prices of domain name registration can really be compared is within the realm of number of domains, number of years, and the suffixes. So here is a little bit about domain name registration prices compared based on the length of time, number of domains, and the suffix the name has.

The fist part of domain name registration prices compared is the number of domains that you are registering. With most any reputable registration company, you will get a better price per domain with more domain names registered at the same time. So in order to get the best price you will usually need to register hundreds of domains. You can expect to save as much as 11% if you register in bulk with your domain registrar.

Another to consider when domain name registration prices are compared is the number of years you register for at the same time. For instance, if you register for just one year you may only pay four dollars, but if you register your domain name for 10 years you could save several dollars per year. That is not to say you should always register for several years, but that you should register for the maximum number of years that make sense for you. Consider how big of a commitment you want to make to the name and then how much you want to spend on the registration. Remember, even though you will pay more, you can always renew as your time frame for registration ends.

The third factor and one that many do not think about, when domain name registration prices are compared is the suffix of the domain you choose. There are actually a number of suffixes now available on the internet, from the traditional .com to the less well known .ws and .tv suffixes. Now not only do you have to qualify for certain suffixes, but also there are different prices associated with each one. As a general rule, .com, .net, and .org are the cheapest domains and are usually under $10 each. The most expensive is usually .ws or .us, which can run you up over $20 per year. However, you do have to remember that the other factors will affect the price as well. So if you look to register for 5-10 years you will find that sometimes those .tv or .ws suffixes can be as little as one or two years with a .biz or .info suffix.

Domain name registration prices compared is something that you may think about doing between companies. However, the best way of comparing registration prices is within the types of registration. Bulk registration, certain suffixes, and longer registrations will net you less cost in the long run. So when you think about comparing domain name registration you should consider the various types of registration, the length, and the amount so that you can get the best price for your domain name registration in the end.