June 27, 2008

Plan for the Future, Just in Case!

 

Here are a few tips on getting the best out of your financial planner:

1. Be open and honest. Hiding truths from your planner can cause major problems during the decision making process. Your planner is there to work for you. If you want your planner to do the best job possible, offer up all the hard truths about your spending habits and financial decisions. If your planner does not know about a problem, they cannot fix it, either.

2. Ask a lot of questions. Similar to the previous point, it’s all about honesty. If you don’t know something, ask. Your financial planner has probably heard it all before. It’s his or her job to keep you informed, so make sure you know the answers to the questions that matter to you.

3. Keep your planner informed, too. It goes both ways. While your San Jose financial planner (speaking from our neck of the woods) needs to keep you informed of all the information you need to know, you need to do the same thing in return. If you are making any life changes in the future, let your planner know about it, so that the two of you can plan accordingly (regardless of your demographic).

It is important that you follow this advice when dealing with your financial planner. If you do so, you create an environment of honesty and learning, that will lead to a better financial picture down the road.

These are hardly the only considerations that need to be made, but they are important ones. To reiterate one of these points, go with your gut feeling. If you have doubts, something needs to be done. You want to be comfortable putting your finances in the hands of your investment advisor. The bottom line, plan for the future but by all means be present in the present.

 

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June 13, 2008

Foundation Repair Is a Very Serious Issue

There are two main types of foundation repair that you can consider when approaching this type of project: slabjacking and piering.

Slabjacking is a method of foundation repair that restores sunken concrete to its original grade. It raises and stabilizes concrete slabs, such as sidewalks, driveways, or concrete pavement floors. Instead of replacing the faulty concrete, slabjacking involves pumping a cement mixture into the concrete through a drilled hole. The cement mixture then levels out the concrete to its original grade and proper position. It can also be useful by eliminating water leakage issues by filling in cavities that are underneath the concrete and diverting water away from the foundation.
 
Slabjacking advantages:
 
·         The mixture that is pumped into the concrete stabilizes it by providing a solid base.
·         The cost of slabjacking is a fraction of the cost of replacing the entire concrete slab.
·         Because the mixture is pumped underneath the concrete, there is very little mess to take care of.
·         It has a faster turnaround time than that of replacement: with slabjacking, the slab can be walked on immediately; with replacement, the concrete must cure for almost a month.
·         Slabjacking is a “greener” method of foundation repair, as no slabs are disposed of, and no grass needs to be dug up.
·         The dust and noise of breaking concrete is not involved.
·         Because slabs are not replaced, color stays constant.
 
Piering (or piling) is a method of foundation repair involving the driving of steel pipe pilings to correct the settlement of the foundation. There are two different methods of piering: push piers and helical piers. Push piers are sections of steel pipe – either galvanized or epoxy-coated – that are driven into the soil using a hydraulic ram. Helical piers make use of screw piles with steel shafts. Using a hydraulic torque motor, the lead section, with one or more helixes attached, is screwed into the ground, providing the needed load bearing capacity.
 
In either situation, the steel piers are driven to rock or another suitable soil bearing layer and attached to the foundation using a metal head assembly. Hydraulic jacks attach to the steel piers and raise the foundation to its desired level. The piers are then welded or bolted to the foundation, securing it.
 
Piering advantages:
 
·         Like slabjacking, piering is another cost-effective form of foundation repair. The cost is a very small fraction of the cost to replace the foundation.
·         The building can be in regular use during the piering process.
·         The piering equipment is both highly portable and small, so piering can be done in very tight spaces, if needed.
·         This foundation repair method remedies both the unstable soil and the levelness of the building with one step.
·         Just like slabjacking, there is no damage done to the grass or yard.
So, which method of foundation repair would be most useful to you? It depends on the size of the project itself. For the correction of smaller slabs, slabjacking would be very useful. If this is a larger problem, piering may be considered. By taking careful examination of the extent of the damage and the cause of it, determining the proper method of foundation repair is simple.

Article by: American Foundation Repair.

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May 31, 2008

Protect Yourself from Negligence

Many people have suffered at the hands of another person’s negligence. Negligence can be defined as someone failing to do what a reasonable person would do in the same circumstances.

If one suffers such an injury, they may be entitled to monetary damages. A logical course of action would be to go through a Personal Injury Lawyer, who would sit down with you and discuss what litigation options you may have against the person you feel has caused this injury: this may be someone operating a motor vehicle, or the operator of a piece of machinery. A personal injury lawyer can also help you if you feel you have suffered emotional damages as well. A lawyer specializing in personal injury will be very knowledgeable of the laws surrounding personal injury liability and the possibility for filing a claim against someone else on the basis of personal injury.

Contacting a Personal Injury Lawyer if you feel you are a victim of another person’s careless actions can be a smart move and step in the right direction on the road to recovering from your injuries, whether physical or emotional. Your lawyer can help you determine what you are entitled to and help you get it.

Here is a great resource for a Personal Injury Lawyer in Chicago
 

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Apartment Hunting? Then Rent Smarter

 

Are you looking to find apartments in Chicago?  Why not let Rent Smart Chicago make it easy for you.  They have developed an all-inclusive website that will help you search by either browsing the listings that are posted as soon as they are available or you can just scroll down for hundreds of available properties.  Just click on the listing title to get all the information you need.  You can also click on any picture to enlarge it and see the details you are looking for.  You will have access to the listing agent’s contact and email information from this search.

You can narrow your search by using the search feature.  At this prompt, you can search neighborhood preferences, price ranges, number of bedrooms, all the particulars you need to accommodate your family’s needs.

In addition, to find apartments in Chicago you can also call a licensed Rent Smart Chicago agent to locate that special apartment in Chicago. They will tailor a search just for you and your particular requirements. Talk about useful.

Rent Smart Chicago is an innovative apartment rental agency.  They pride themselves in being very different from the competition by offering superior apartments, professional services and the utmost attention to all the details with every step of the rental process. 

To make the renting process simple for you as well as the owner of the property they have posted all forms that may be required.  You can easily print them and fill them out.  No running back and forth to an office to get them completed.  Just simply complete them in the comfort of your own home and bring them in with the needed documentation.  A Rent Smart Chicago agent will always be available for any question you may have.

Besides rental property for living, Rent Smart Chicago will also help you out with your relocation needs and Corporate Housing needs.  They are members of the Executive Relocation Counsel and have professionally represented many companies and individuals seeking short-term housing as well as relocations.

Give them a try and discover for yourself the reason why Rent Smart Chicago is chosen to find apartments in Chicago.  You will be glad you did.

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May 29, 2008

New UK immigration policies: Racist or Progressive?

Are the United Kingdom’s immigration policies racist toward Indians or are they simply adhering to the economic and social pressures of the current market trends in the UK?  The United Kingdom has historically only sought immigrants to fill the working class labour force.   Immigration policies in the sixties and seventies further encouraged immigrants from commonwealth countries who had English ancestry or family ties in the UK, to fill in work shortages.  Thus, if an applicant’s grandparent was born in the UK, they had a right of abode to live in the UK

Then, in the late nineties, the UK saw a dramatic growth in asylum seekers, bolstering the image of the UK as a sympathetic, socially responsible Western country.   But since 2001 and the dramatic shift in immigration policies in the United States, which has traditionally only focused on immigration based on economic and market demands, other countries, such as the UK have stepped in to absorb the foreign skilled labour that the US turned away.
 

The Highly Skilled Migrant Programme (HSMP) was then borne in January 2002.  Since its inception, the only significant changes have come about in November 2006.  The question is are these changes implemented to exclude persons from certain countries in the same way policies in the seventies were created to exclude persons who did not share a common

UK ancestry? 

Or is it simply another policy motivated by the current demands of the UK economic market?  Why the changes then?  To put it simply – in order to change the criteria from one that was vague and subjective to one that is objective, transparent, and quantifiable.  Immigration policies here reflect the new UK landscape – one which welcomes foreign skilled workers as long as they reflect the current market demands supporting a prosperous economy.

So what exactly are these changes to the HSMP and how do they effect applications from Indian nationals? 

Prior to these changes, the major scoring areas included educational qualifications, work experience, previous earnings, applicant’s achievements along with their partners’ achievements.   Now, the major scoring areas include educational qualifications, previous earnings, prior UK experience, and an age assessment.  Further, proficiency in English has become a critical requirement. 

For new applicants, scoring a total of 75 points is more straightforward.  For example, a bachelor degree would previously score only 15 points; now it scores 30 points.  It used to be the case that if you were under 28 years of age, an applicant could score only an additional five points.   Now an applicant under 27 can score 20 points, under 29 can score 10 points, and under 31 can score 5 points.  And furthermore, if you have any prior experience either studying or working in the UK, you can gain an additional 5 points. 

Besides the elimination of two main scoring areas, the main change has taken place in the earnings category.  But even here, we see an advantage for applicants:  it was the case that an applicant from India over the age of 28 had to show at least earnings of GBP equivalent of £7500 annually to score 25 points.  Now an applicant only has to show that they earned £4900 annually to score 25 points.  To be able to show £7500.00 annually, an applicant will now be able to score 45 points.  Again, another change which is highly favorable for an applicant from India.

So what is all the talk about then?  The big question still remains:  whatever happens to those applicants who are already in the UK on the HSMP and do not qualify under the new points scheme simply by virtue of the fact that their employment in the UK does not earn the salary required?  This remains the most controversial aspect of the changes. 

But ultimately, an applicant can still make a successful application for an HSMP extension provided that they he/she possesses at least a Bachelor degree and can show earnings of £35,000 GBP.  And where the applicant has a Master’s degree, they must show earnings of £32,000 GBP.  If however the prior HSMP approval was for less than a 12-month period, the applicant would only have to show earnings of £23,300.00 with a bachelor’s degree.   And this salary requirement would be much lower for applicants less than 32 years of age. 

If for some reason, the applicant cannot meet these requirements, there are transitional arrangements in place. Those who are making a useful contribution to the UK economy - for example, working in a skilled job - but who fail to meet the new requirements, will be offered a 'grace period' in which they can switch into the Work Permits scheme (provided they meet the Work Permits criteria, with the Resident Labour Market Test being waived if they have been in the post for a specified period).  This test – which is essentially the requirement to advertise – is the single biggest deterrent for an employer to apply for a work permit.  And with this eliminated, it makes this a very feasible option for most employers. 

In the case of self-employed applicants, there are also transitional arrangements in place to aid in making a successful application for an HSMP extension.  The applicant in this case must show that their business has been established and actively trading for the last four months prior to their application and that the business has ongoing contractual / business commitments to cover the next six months.  Again, a persuasive case may be made for any applicant that can show a genuine effort to establish themselves. 

What other options are there for those who do not fit into the new scheme nor transitional arrangements?  There are other feasible options, including work permits, innovator schemes, setting up in business, and of course finally, the option to appeal an unfair or unjust decision – particularly in light of the fact that the applicant can demonstrate concrete grounds to ‘economically maintain’ themselves in the UK while on the HSMP.

Overall, these changes effect nationals from all countries.  For those already in the UK, there is no difference in the points earned for salary whether you are an Australian, Canadian, American or Indian national.   The elimination of categories such as work experience and significant achievements gives a much clearer outline to determine eligibility leading to more favorable criteria as it leaves much less discretionary power in the hands of the Case Examiner.  And by judging on quantitative criteria, the chances of fraudulent documentation decreases significantly – one of the main reasons for implementing such changes. 

Once an individual has remained in the UK for a total of five years under this category, they will be eligible to apply for permanent residency. Time spent in the UK as a work permit holder or under one of the business categories can also be aggregated towards the five year period.

The HSMP – barely five years old – is still very much evolving and will likely again see changes with a total revamping of the UK immigration system taking place by April 2009.  The projected changes involve a new single points-based system for existing categories of immigration split into 5 tiers, placing the HSMP as the first tier. 

In the UK and elsewhere, the political and social climate incites changes in immigration policies and categorically leads to debates on seemingly unjust, racist, and unreasonable regulations.  But in fact, it is usually the current market conditions and administrative convenience – like a more objective criterion –  that drives and lead to the implementation of these very same policies within a given system.


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May 10, 2008

What in the heck is a Landing Page?

Found a great article on landing pages and how to get them to the top of search engines today. For those of you who own a business, it is no secret that just as in real estate offline, with marketing your products or services online it is all about location, location, location.

Having said that, the whole premise of a landing page is to create the most useful, targeted and relevant content that solves a problem, provides a solutions to a need or is the perfect match for the target audience. All I know is, I learned a great deal about the process from this article on landing pages and wanted to pass it along to others in hopes that sharing this information can help.

 

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