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Saturday, December 22, 2018

The Deposit

Purchasing a home involves making many important financial decisions. Once you find the right home, you will quickly realize the financial implications involved. Once you have signed on the dotted line, you will have to provide the seller with a deposit. The deposit plays an important role in every residential real estate transaction. This column attempts to answer some common questions about this important, albeit often misunderstood concept.

When an offer to purchase a home is made, the purchaser will provide the seller with a deposit towards the purchase price of the home. This deposit assures the seller that the purchaser intends to complete the transaction if their offer is accepted. The amount of the deposit will vary and is usually determined by negotiation between the real estate agents.

The deposit is not paid directly to the seller, but is paid to the seller's real estate agent, in trust. The agent keeps this money in a special bank account until the closing date. On closing, several things will take place. The deposit is deducted from the total purchase price, thus lowering the final amount owed to the seller. As well, the real estate agent for the seller will typically take its commission for the sale from the deposit. The seller's agent will pay the purchaser interest on the deposit monies which have been in a special bank account. Because the money is not held for too long and the interest rate on the money is quite low, this will not amount to a great deal of money.

When purchasing a new home, the deposit is paid to the builder. To pay for building costs, the builder often requires a larger deposit than one made for a resale home. To protect purchasers from builders going bankrupt or failing to complete the purchased property, the Ontario New Home Warranty Program (now called Tarion Warranty Corporation) insures deposits on both new freehold properties and new condominium properties. Since deposit protection is limited, buyers should be careful when providing builders with more than the insured amount. Buyers should ask their lawyer about having a large deposit held in trust by the builder's lawyers or arranging for excess deposit insurance.

As a purchaser, it is best to provide the seller with the lowest possible deposit. The reason for this is simple: If an unforeseen problem arises and the transaction does not close on time, the purchaser stands to lose less if they have provided the seller with a relatively low deposit. On the other hand, if they provided the seller with a higher deposit, they stand to lose more. Remember that if a dispute between purchaser and seller arises, the seller may not release the deposit until the matter has been resolved. In such a case, the purchaser is in a very compromised bargaining position because the seller has their money. Moreover, the seller may use the deposit the purchaser gave them to force a settlement of the dispute.

The deposit represents a financial commitment to complete a real estate transaction. The seller should always attempt to extract from the purchaser the largest deposit possible, while the purchaser should adopt the opposite view. Normally, negotiating these terms of the offer are best left to an experienced real estate professional.






Most Common Types of Auto Repair

If you own a car, at some point, you are going to have maintenance. While some problems are more severe and not very common, other types of auto repair are far more common. When done periodically, these repairs can keep your vehicle operating for years.

Tires

Driving is hazardous to your vehicle's tires. Nails, pot holes, and even curbs can cause damage to the rubber, forcing you to have it patched or replaced. If you can have the tire simply patched, it is pretty inexpensive, and most patches can hold until the tread is too worn to continue using. However, if there is no repairing the tire, you could be looking at an expensive replacement, especially if you have to replace multiple tires.

Brakes

One of the most common types of auto repair will be the brake system. Over time, your pads will wear out, causing you to have to replace them. This can happen multiple times during the life of your car. While this is a fairly inexpensive replacement, if the drum or rotor needs to be replaced you could be looking at hundreds of dollars in maintenance costs. If you are having trouble stopping, it is most likely the pads are worn out, as the brake lines rarely need maintenance.

Oil Changes

Another common form of maintenance is having regular oil changes. While you may not see this as auto repair, it does keep your engine from being damaged. Fresh oil, with a new filter, every few thousand miles can make a significant difference in how your engine performances. Without this maintenance, carbon deposits can build up, wearing out your piston rings and even seizing up your engine. The cost to replace those parts and clean the block is far more expensive than the occasional oil change.

Fuel System

If you are someone who prefers to fill up their car only half way and then drive it until the warning light comes on, you may be doing more damage than good. Vehicles that are regularly driven with less than a quarter tank of gas run the risk of having their fuel filters clogged up. Additionally, you should have the injectors cleaned and fuel filter replaced by a professional on a regular basis.

Ignition System

Occasionally, your battery will wear out. Most are rated to last seven to ten years depending on the brand of battery you purchase. The price depends on the battery and the length it is supposed to last. You might be able to recharge your old battery for much cheaper. However, it will eventually need to be replaced.

Another part of the ignition system that commonly needs to be replaced is the starter. While it is not the most expensive replacement, it can be more expensive than a simple battery replacement. Usually, if you are having trouble starting your vehicle, it is either the battery or the starter. Your local mechanic can test them and tell you which part needs to be replaced before you are left stranded.

Auto repair is part of owning a car. If you take the time to maintain your vehicle, it will last longer than expected.






Gambling Heroes

Gambling is one among the most eminent sources of entertainment today. It is also the cause of livelihood for many people. Gambling is all about wagering money usually to acquire more wealth or even things of material significance. Nowadays the enticement of gambling is at a surge. This is why apart from ordinary people it is commonplace to see celebrities gambling in some or the other big casino.

Broadly speaking gambling is of two forms. One that relates to playing casino games and the other to bets on various sports. For instance betting on horse race, car races, sports betting are all different types of gaming because in these cases too a person puts an amount of money at stake, calculates the odds etc. Beside this there is gambling related to gambling tables, deck of cards, slot machines and the like. This sort of gambling can be within the four walls of a casino or at home. Few decades from now, gambling at home meant lots of expense and work. For a person had to collect various ingredients such as cards, table, dice, coins etc. to play. But today with the advent of online gaming any gambling aficionado can relish gaming while relaxing on his couch. Moreover with the arrival of online gambling, gaming has reached every corner of the world.

Some of the most common gambling games are poker, baccarat, blackjack, video poker, slot machines etc. People cherish these games across the globe. Poker is the well-known game of skill. In poker players make wagers into a central pot with fully or partially concealed cards. The winner of the game (who has the best combination of cards) takes away this pot. Blackjack is the game of card counting. It's also known as twenty-one and pontoon in British English. Blackjack is popular for card counting, a skill with which players can turn the odds of the game in their favor by making betting decisions based on the values ​​of the cards known to remain in the deck. The game of video poker is quite popular in Las Vegas. It is played by placing a bet of one or more credits and by inserting money into the machine. After this the 'deal' button is to be pressed to draw the cards. Then the player gets a chance to hold or reject one or more of the cards in exchange for a new card, which is drawn by the player from the same virtual deck. This is followed by a machine evaluation of the hands. If the hand matches one of the winning hands in the posted pay schedule the machine offers a payout.

All these games have different rules and regulations. Prior to playing any game it is better to get acquainted with its rules first. Internet is a good way to know about these moneymaking games. It provides a rule book for almost every game.

Although gambling is also a good source of revenue yet is proclaimed illicit in most parts of the world. It is legalized only at few places such as Las Vegas. However all the players should take gambling in a sporty spirit only. Its addiction can be disastrous to the concerned person as well as his entire family.






About Car Diagnostic Tools

It's common for cars to develop problems and if you want your car to be in perfect working condition you need to diagnose its problems. For easy understanding, car diagnostic tools can be broadly categorized into two main groups: low tech and high tech tools.

Low tech diagnostic tools

These are ideal for older cars that are not computer controlled. Some of the basic tools that fall under this category are: 12v test light, timing light, vacuum gauge, mechanic's stethoscope, vacuum pump, fuel pressure gauge, leak-down detector, and compression tester.

High tech tools

Two main categories of high-tech diagnostic tools are: scan tools and code readers. Code readers are the most basic computer tools that are used in pulling codes from the car's computer. When the code is rolled, you are able to have a starting point for your diagnostic procedure.

In addition to helping you pull the codes, code readers also provide you with basic access to live or freeze frame data from the car's computer.

Scan tools on the other hand are code readers but with added functionalities. Basic scan tools allow you to read and clear codes from the car's computers. The tools also allow you to view all of the available data in the car's computer.

Scan tools have also been shown to have the ability of providing you with more information about the codes.

You should note that the information displayed by the tools depends on the quality of the tool; therefore, if you have a high quality tool, you will see a lot of information; however, if you have a low quality tool you will have access to basic information. You should note scan tools that provide more information are usually more expensive.

While code readers and scan tools are the most important high-tech diagnostic tools, there are others such as multimeters that are great to have. A multimeter is a device that is used in checking problems in the electrical system of the car. For example, you can use it to check wherever the element in your heated O2 sensor is good or not.

Conclusion

This is all you need to know about car diagnostic tools. You should note that the tools are expensive; therefore, you should be very careful when buying them so that you are not ripped off. As rule of thumb you should always do your research in order to identify a reputable store selling high quality tools.






Bail Bond Company

If you ever find yourself in a situation where a member of your family or a dear friend suddenly ends up in jail, and seeks your help, your best solution is to find a good bail bond company which can help you post bail. Without posting immediate bail, your family member or friend may end up spending hours in a jail cell.

Bail bonds are surety bonds which are used to guarantee the court that the accused will comply with the conditions of his temporary release. These bonds must be prepared and written by legitimate and professional bonding companies. In Baltimore, there are several of these bonding companies, yet, the right bail bond company should be picked with care, so that you can make sure you are getting the right value for the money you are paying.

During such a crisis, the last thing you needed would be to be duped by a fly-by-night bonding company, meaning, one that is here today, gone tomorrow. Read on to protect yourself from such possibilities, and to understand how to choose the right company.

1. The company should be legally operating in Baltimore for many years.

Choose a company which has been in operation for a long time, as this usually means it has the financial capacity to write bonds with huge values. An established company is more reliable than new ones, because it usually is more knowledgeable in dealing with legal matters.

2. The company should have several bail agents.

A good bond issuer should have many licensed agents, so that you would not have to wait in line for someone to come and attend to your case. Your family member or friend does not need to spend unnecessary hours in jail, and a fast acting bail company is what you need to service your requirements right away.

3. The company should have financing options.

You need to look for a reputable Baltimore bail issuer who requires minimum down payments and would accept credit cards for payments. Go for a company that offers loans or that will process your request even without collateral.

4. The company should be open round the clock.

Choose a bail bond company which has agents working 24/7 and is always ready to help. Your request for a bail bond is an emergency situation, therefore, a bail issuer who offers immediate release will do you a lot of good.

5. The company should have a money back guarantee.

A good bail bond company will give a 100% money back guarantee if the accused can not get out of jail. This is fair practice, and one that should be included in the contract terms between you and the bonding company.

Check out a good Baltimore bail bond company which has an online presence, so that you can immediately find information about their services.






Be All That You Can Be: The Company Persona and Language Alignment

It's not just CEOs and corporate spokespeople who need effective language to be the message. The most successful advertising taglines are not seen as slogans for a product. They are the product. From M & M's "melts in your mouth, not in your hand" to "Please do not squeeze the Charmin" bathroom tissue, from the "plop, plop, fizz, fizz" of Alka-Seltzer to "Fly the friendly skies of United, "There is no light space between the product and its marketing. Words that work reflect "not only the soul of the brand, but the company itself and its reason for being in business," according to Publicis worldwide executive director director David Droga.

In the same vein, advertising experts identify a common quality among the most popular and long-lasting corporate icons: Rather than selling for their companies, these characters personify them. Ronald McDonald, the Marlboro Man, Betty Crocker, the Energizer Bunny - they are not shills trying to talk us into buying a Big Mac, a pack of smokers, a box of cake mix, a package of batteries; they do not even personalize the product. Just like the most celebrated logos, they are the product.

Walk through any bookstore and you'll find dozens of books about the marketing and branding efforts of corporate America. The process of corporate communication has been thinly sliced ​​and diced over and over, but what you will not find is a book about the one really essential characteristic in our twenty-first-century world: the company persona and how words that work are used to create and sustain it.

The company persona is the sum of the corporate leadership, the corporate ethos, the products and services offered, interaction with the customer, and, most importantly, the language that ties it all together. A majority of large companies do not have a company persona, but those that do benefit significantly. Ben & Jerry's associates in part because of the funky names that theyave to the conventional (and unconventional) flavors they offer, but the positive relationship between corporate management and their employees also plays a role, even after Ben and Jerry sold the company. McDonald's in the 1970s and Starbucks over the past decade became an integral part of the American culture as much for the lifestyle that they reflected as the food and beverages they offered, but the in-store lexicon helped by setting them apart from their competition. (Did any customers ever call the person who served them a cup of coffee a "barista" before Starbucks made the term popular?) Language is never the sole determinant in creating a company persona, but you'll find words that work associated with all companies that have one.

And when the message, messenger, and recipient are all on the same page, I call this rare phenomenon "language alignment," and it happens far less frequently than you might expect. In fact, all of the companies that have hired my firm for communication guidance have found themselves linguistically unaligned.

This manifests itself in two ways. First, in service-oriented businesses, the sales force is too often selling with a different language than the marketing people are using. There's nothing wrong with individualizing the sales approach to each customer, but when you have your sales force promoting a message that has no similarity with the advertising campaign, it undermines both efforts. The language in the ads and promotions must match the language on the street, in the shop, and on the floor. For example, Boost Mobile, which caters to an inner city youth demographic, uses the slogan "Where you at?" Not grammatically (or politically) correct - but it's the language of their consumer.

And second, corporations with multiple products in the same space too often allow the language of those products to blur and bleed into each other. Procter & Gamble may sell a hundred different items, but even though each one fills a different need, a different space, and / or a different category, it is perfectly fine for them to share similar language. You can use some of the same verbiage to sell soap as you would to sell towels, because no consumer will confuse the products and what they do.

Not so for a company that is in a single line of work, say selling cars or selling beer, where companies use the exact same adjectives to describe very different products. In this instance, achieving linguistic alignment requires a much more disciplined linguistic segmentation. It is almost always a more effective sales strategy to divvy up the appropriate adjectives and create a unique lexicon for each individual brand.

An example of a major corporation that has betrayed both of these challenges and still managed to achieve linguistic alignment, even as they are laying off thousands of workers, is the Ford Motor Company - which manages a surprisingly diverse group of brands ranging from Mazda to Aston Martin. The Ford corporate leadership recognized that it was impossible to separate the Ford name, corporate history, heritage, and range of vehicles - so why bother. They came as a package. Sure, Ford serves an individual brand identity, through national and local ad campaigns and by creating and maintaining a separate image and language for each brand. For example, "exceptionally sensual styling" certainly applies when one is talking about a Jaguar S Type, but would probably not be pertinent for a Ford F 250 pickup truck. But the fact that the CEO carries the Ford name communicates continuity to the company's customers, and Bill Ford sitting in front of an assembly line talking about leadership and innovation in all of Ford's vehicles effectively puts all the individual brands into alignment.

The words he uses - "innovation," "driven," "re-committed," "dramatically," "dedicated" - represent the simplicity and brevity of effective communications, and they are wrapped around the CEO who is the fourth- generation Ford to lead the company - hence credibility. The cars are the message, Bill Ford is the messenger, the language is dead-on, and Ford is weathering the American automotive crisis far better than its larger rival General Motors. Again, the language of Ford is not the only driver of corporate image and sales - but it certainly is a factor.

In fact, the brand-building campaign was so successful that GM jumped on board. But Ford quickly took it a step further. In early 2006, they began to leverage their ownership of Volvo (I wonder how many readers did not know that Ford bought Volvo in 1999 and purchased Jaguar a decade earlier) to communicate a corporate-wide commitment to automated safety, across all of its individual brands and vehicles. Volvo is one of the most respected cars on the road today, and aligning all of Ford behind an industry leader is a very smart strategy indeed.

So what about the competition?

General Motors, once the automotive powerhouse of the world, has an equally diverse product line and arguably a richer history of technology and innovation, but their public message of cutbacks, buy-backs, and layoffs was designed to appeal to Wall Street, not Main Street, and it crushed new car sales. At the time of this writing, GM is suffering through record losses, record job layoffs, and a record number of bad stories about its failing marketing efforts.

It did not have to be this way.

The actual attributes of many of the GM product lines are more appealing than the competition, but the product image itself is not. To own a GM car is to tell the world that you're so 1970s, and since what you drive is considered an extension and expression of yourself to others, people end up buying cars they actually like less because they feel the cars will say something more about them.

Think about it. Here's a company that was the first to develop a catalytic converter, the first to develop an advanced anti-tipping stabilization technology, the first to develop engines that could use all sorts of blended gasolines, and most importantly in today's market, the creator of OnStar - an incredible new-age computerized safety and tracking device. Yet most American consumers have no idea that any of these valuable innovations came from General Motors, simply because GM decided not to tell them. So instead of using its latest and greatest emerging technology to align itself with its customers, GM finds itself in a deteriorating dialogue with shareholders. No alignment = no sales.

Another problem with GM: No one knew that the various brands under the GM moniker were in fact. . . GM. Even such well-known brands as Corvette and Cadillac had become disconnected from the parent company. Worse yet, all the different brands (with the exception of Hummer, which could not get lost in a crowd even if the brand manager wanted it to) were using similar language, similar visuals, and a similar message - blurring the distinction between brands and turning GM vehicles into nothing more than generic American cars. Repeated marketing failures were just part of GM's recurring problems, but as that issue was completely within their control, it should have been the easiest to address.

When products, services, and language are aligned, they gain another essential attribute: authenticity. In my own market research for dozens of Fortune 500 companies, I have found that the best way to communicate authenticity is to trigger personalization: Do audience members see themselves in the slogan. . . and therefore in the product? Unfortunately, achieving personalization is by no means easy.

To illustrate how companies and brands in a competitive space create compelling personas for them while addressing the needs of different consumer groups, let's take a look at cereals. Anyone can go out and buy a box of cereal. But different cereals offer different experiences. Watch and listen carefully to their marketing approach and the words they use.

Most cereals geared towards children sell energy, excitement, adventure, and the potential for fun - even more than the actual taste of the sugar-coated rice or wheat puffs in the cardboard box. On the other hand, cereal aimed at grown-ups is sold based on its utility to the maintenance and enhancement of health - with taste once again secondary.

Children's cereals are pitched by nonthreatening cartoon characters - tigers, parrots, chocolate-loving vampires, Cap'ns, and a tiny trio in stocking caps - never an adult or authority figure. Adult cereals come at you head-on with a not-so-subtle Food Police message, wrapped in saccharine-sweet smiles, exclaiming that this cereal is a favorite of healthy and cholesterol-conscious adults who do not want to get colon cancer! Ugghhh. Kids buy Frosted Flakes because "They're grrrreat!" Adults buy Special K because we want to be as attractive and generous as the actors who promote it. When it comes to cereal, about the only thing parents and kids have in common is that the taste matters only slightly more than the image, experience, and product association - and if the communication appears authentic, they'll buy.

And cereal certainly sells. From Cheerios to Cinnamon Toast Crunch, more than $ 6 billion worth of cold cereal was sold in the United States alone in 2005. If you were to look at the five top-selling brands, you would see a diverse list targeted to a variety set of customers. The language used for each of these five brands is noticeably different, but in all cases totally essential.

In looking at the first and third best-selling brands of cereal, one might initially think that only a slight variation in ingredients mark their distinctions. Cheerios and Honey Nut Cheerios are both based around the same whole-grain O shaped cereal, but are in fact two very different products, beyond the addition of honey and a nut-like crunch.

The language behind Cheerios is remarkably simple and all-encompassing - "The one and only Cheerios." Could be for kids. . . could be for young adults. . . could be for parents. Actually, Cheerios wants to sell to all of them. As its Web site states, Cheerios is the right cereal for "toddlers to adults and everyone in between." The mixture heart-shaped bowl on each box suggests to the older consumer that the "whole-grain" cereal is a healthy start to a healthy day. But the web site also has a section devotedly to younger adults, complete with testimonials and "tips from new parents" talking about how Cheerios has helped them to raise happy, healthy children. The language behind Cheerios works because it transcends the traditional societal boundaries of age and adds a sense of authenticity to the product.

While you could probably live a happy and healthy existence with Cheerios as your sole cereal choice, there is a fundamental segment of the cereal market that demands more. For the cereal-consuming public roughly between the ages of four and fourteen, a different taste and linguistic approach is required. Buzz the Bee, the kid-friendly mascot of Honey Nut Cheerios, pitches the "irresistible taste of golden honey," selling the sweetness of the product to a demographic that craves sweet foods. While the parent knows that his or her child desires the cereal because of its sweet taste (as conveyed through the packaging), Honey Nut Cheerios must still pass the parent test. By putting such statements as "whole-grain" and "13 essential vitamins and minerals" on the box, the product gains authenticity, credibility, and the approval of the parent.

Two different messages on one common box effectively markets the same product to both children and parents alike, helping to make Honey Nut Cheerios the number three top-selling Cereal in 2004. So with the addition of honey and nuts, General Mills, the producer of the Cheerios line, has filled the gap between toddlers and young adults, and completed the Cheerios cradle-to-grave lifetime hold on the consumer.

To take another example, if you want people to think you're hip and healthy, you make sure they see drinking bottled water - and the fancier the better. No one walking around with a diet Dr Pepper in hand is looking to impress anyone. These days, there's almost a feeling that soft drinks are exclusively for kids and the uneducated masses. There's a cache to the consumption of water, and expensive and exclusive brands are all the rage. Now, there may be a few people who have such extremely refined, educated taste buds that they can taste the difference between Dasani and Aquafina (I certainly can not), but the connoisseurs of modish waters are more likely than not posers (or, to continue the snobbery theme, poseurs). You will not see many people walking around Cincinnati or Syracuse clutching fancy bottled water. Hollywood, South Beach, and the Upper East Side of New York City are, as usual, another story.

There's one final aspect of being the message that affects what we hear and how we hear it. How our language is delivered can be as important as the words themselves, and no one understands this principle better than Hollywood.

At a small table tucked away in the corner of a boutique Italian restaurant on the outskirts of Beverly Hills, I had the opportunity to dine with legendary actors Charles Durning, Jack Klugman, and Dom DeLuise. The entire dinner was a litany of stories of actors, writers, and the most memorable movie lines ever delivered. (Says Klugman, an Emmy Award winner, "A great line is not spoken, it is delivered.") Best known for his roles in The Odd Couple and Quincy, Klugman told a story about how Spencer Tracy was practicing his lines for a movie late in his career in the presence of the film's screenwriter. Notably pleased with the reading, the writer said to Tracy, "Would you please pay more attention to how you are reading that line? It took me six months to write it," to which Tracy shot back, "It took me thirty years to learn how to say Correctly the line that took you only six months to write. "

Spencer Tracy knew how to be the message - and his shelf of Academy Awards proved it.

Excerpted from WORDS THAT WORK by Dr. Frank Luntz. Copyright 2007 Dr. Frank Luntz. All rights reserved. Published by Hyperion. Available where books are sold.






Friday, December 21, 2018

Make Money Online Sharing Tips

Have you ever imagined a situation in which to make extra money, you do not need to wake up, start thinking of how to get to work each day? Rather than working when you need to work, you only work when you want to. Through the internet, you can make a lot of money and live the kind of life you always dreams of. In this article, we will be discussing some of the ways you can make money online.

Here are 5 tips which I would like to share and help you to explore making money online. Go through each tip and choose the best one which will work for you. I believe with your perseverance, results will show gradually and turn into a long term passive income source for you.

CB Passive Income





The idea of CB Passive Income is teaching individual various methods of generating quick traffic which is then sent to a squeeze page. With this, you can build a money-making email list. After then, various Click Bank products are then sent to every email on the list. Once a sale is made through a link, a certain commission will be received by the owner of the list.

Freelancing





Freelancing is another simple approach in which you can make money on the internet. As a freelancer, you work online by offering little services. You can offer totally anything varying from writing, playing tricks, interpreting, making music, short video clips, voice overs, and lots more. Freelancing gives you the opportunity to make money online while doing what you love most.

Email Marketing





Email marketing stands at the heart of each effective activity on the internet. If you are really serious about making money on the internet, email marketing is unquestionably a great avenue in doing this. If those email subscribers are effectively and acutely inspired by what you need to say, and they joined directly through your web page or blog, your rate of success will be much higher.

Websites that pay





Another way to make extra money while you work from home is by performing various tasks on some website. The task may range from shopping to taking surveys to testing products. Some of the websites include Swagbucks, InboxDollars, Project Payday, User testing, and so forth. However, do not dream of earning millions. Just an opportunity to save extra money.

Work-at-Home Companies





Furthermore, certain companies are ready to hire your expertise, even if it requires that you work from home. You will be assigned specific tasks to handle. Once you complete the task, you will be get paid. Some of these work-at-home companies include CrowdSource, Liveops, Leap Force, and Demand Studios.