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Saturday, 30 July 2011

Career change for real estate agents

It's it likely possible that information technology is advancing instantaniously as to weather or not a real estate agent are need nowadays and near the future as to where information technology is taking us. A career in real estate will eventually need for a form of contract of transferring and formal communication on the behalf of the sellers.

Real estates agents are getting replaced by technologies in front of you where you can remotely access a desire place, price and so forth in respect of your needs and wants. As an agent you can't typically search down the right price and home for a client in mere seconds as to a web browser, an perhaps show them all the properties that are offered on the market. Also there are new programs designs where the remote person can access a virtual tour of the home its self. This is more effective and efficient way of find a place of interest without leaving the home and view.

Real estate websites will also inform you of new expressions of interests and offers that are new to the market. Websites also allows prospective clients to post their on home with much hassles to place an ad online that can may reach offer 400,000 thousand searches that may be interested in your home offer.

This new technology has also change the stock market of brokers on wall street, where every morning from Monday to Friday brokers line up to different companies to buy and sell for company assets on the behalf of there clients. Now days there existence is no more then a few but are replaced by super computers that can commute 100ths of a second faster then a human broker in no order form.

Total Security removal

Total security is not a virus that affects your computer but instead it is both a Trojan and adware that infects your computer registry that allows the program to run when you log in into a user account. Total security will start running a system scan of files showing up false files that are infected with virus. The scan will look like any other anti-virus, adware removal and spyware. An icon of a red shield with a cross will appear on the toolbar where the volume control panel, network connections and clock. This will appear to remind you that it is there, The icon will may look similar to the firewall shield if your computer firewall is off. There are different versions of total security as to the background changes of your desktop wall paper. A number of words, letters and or numbers are displayed to give you some notice of change rather than hiding it's self in the operational systems of your computer like a virus.

Total security is relatively hard to remove in the process of which it appears to be. Manually removing the program from the control pannel of windows will not work in the tab add/remove.

Total security is a trojan as well for this reason is that the file can be renamed and its presentation alter to look like other software that you may buy. Total security is only one of many names but this would be the most commonly infected adware. This adware that you might get or may get in the future may be installed by manually installed as a download file. Total security can come from unprotected active x while you browse the Internet.  It may also be taken down by an email or even downloading music files, or even going to hacks and cracks sites.

As for the adware part is that total security will display these false virus to the host of the computer, Total secuity will announce you to purchase it's removal software for a price. This is why it is an adware and not a virus as it is promoting a product. Purchasing the software will not get rid of the problem, you'll just lose your money which is the intent of the creator of total security.

There may be buttons which display particular stop scan or exit the program that will not exit the scan but redirects you to the selling page no matter which button you click. Total security may allow 20 minutes of running time that allows you to use the program before a black screen appears that make your computer unusable. This black screen can be a form of a screen saver, although it is not tested if your computer will be seen and accessed by another computer by networks. If you where to extract files with another desktop via wireless or lan cable.

The removal of total security is very hard, steps have been taken by past computer technicians for the remove of this program are badly interpreted. A standard procedure is to take your hard drive apply your hard drive to another computer and run a scan of various anti-virus software's on your own hard drive. This wouldn't take away total security at all because the property of total security is not a virus but can be seen as an adware. Removals of this total security would be adware removal or "PC health advisor" and perhaps SPYBot spyware. Spybot was presumed as on of the first issues of the removal of total security at on stage of my computer user years.

Friday, 29 July 2011

Refinance your home for your child home deposit

Refinancing your home for your child first home deposit isn't the ideal way as you might be tied down with your own, as i discussed the issue of how to obtain this isn't the best option. Your child, shouldn't exceed $60,000 at this date for a home loan as the salary of your child will be to low to purchase the 500k to 600k even still there wages will be to low for any loan consideration and perhaps the security of their working history. Normally the first home deposit will be 10% of the purchase value of a house, and the loan amount should be no higher then 300k. The lower the better it is as to how much you will need to pay, having paying the loan it should really exceed $1700 dollars of monthly payments. For that reason is that mortgage interest rates will continue rising to a point where you will be having negative cash flowing in each month and seeing your savings depleting over the year. The mortgage rate can increase but your wages will remain the same, if it doesn't how much more will it increase?

If a house now is worth on the market at $300,000 dollars your looking at around about 500 to 600k by the time your child will be paying for a 3 bedroom home. The house would be worth this much because of the continuation of the mortgage interest on a 300k loan. So you may need to refinance what you might not afford now. It would be much harder to get a loan for a $500 to $600k as the amount for the deposit will be much higher then today's home if you were to buy the same house.

How to give your child a firsthome deposit of $60,000 or more

It is certainly hard for me to say what your current situation or future will be, but if you are a caring and loving parent then this would be a considerable outcome to help your child with their first home deposit. This will rely on the basis of many years to come on your dependant age before they reach maturity. The younger your child is the faster it is in getting a home. We are not looking at a situation where you take money from your long life savings nor it will come from your home withdrawal, but it may or can occur in the future as i explain later. One reason why not to withdraw from your home and refinance is that you will need to go through the long process of repayments and working hard when you have become physically weaken by the years.

Your child age will be a deciding factor to an outcome to achieve $60,000 dollars, as you generate income stream from the government assistants situations and test for eligibility for payments. Such government assistance can come from social securities or can be known as centre link. Payments will not exceed $6,000 dollars a year for a child, the amount is there to assist for school uniforms, school fees and to there conditions. Some of this credit will be unallocated and not touched, and can accumulate $1,000 dollars excess in credit interests in a bank. There are so many payments that will almost suit you or child to the age of 21, and beyond that. The benchmark for the $60,000 dollars is at the age of 21, as the government assist your child through to this stage. At the age 17 to 21 is one of the key concepts of working to buy a home, in building up the deposit and working towards paying of the home. These will allow your child to offset the home lending margin allowance by almost any bank given on a $700 wage salary of $36k before taxes.
From new born to the age of 17, there is a clear 17 years to build up that asset for their first deposit. If clearly there was a maxium sum of $6000.00 dollar per year then there will be $60,000 dollars in there bank account at year 10 but this isn't truly the outcome.

Savings of $100 to $200 per month is our target goal to reach, if the saving is to follow.
$100/m x 12 month = ($1,200 x 17) = $20,400
$200/m x 12 month = ($2,400 x 17) = $ 40,800

Both of these outcome are just below $60k one is still short $40k while the other is short $20k
We then look at another approach for from the starting period of new born to age 17. Your child situation may be a different age are you sill to late? A tool will be used for your own saving plan which depicts your child age and what would be a suitable saving plan below.

Starting at a compound interest rate at the bank brings a different outcome that is more achievable for $60k.
$100 @ 4.5% compound rate x 17 years = $30,834.28 (Target not achieved here)
$200 @ 4.5% compound rate x 17 years = $61,666.38 (Target achieved here)
So a sum of $200 per month at a compound rate of 4.5% is achievable for a balance of $60k but your still short on the $100 per month basis.
The $100 dollars per month will work out more fairly as to the condition of your child age to open an account for child such as kids savers accounts that have high interest rate earning and tax free. These rates may vary but are relativity high rates seen as 8 to 10% rate of return. At the rate of 8% then the amount shown will be $43,183.60. As for the remainder well government grants will offer substantial bearing of home ownership such as first home buyer grant issued rental.

Wednesday, 27 July 2011

Don't have Mircosoft Office 2010?

It hard when your computer crashes and you need to reinstall windows operating system and found that your windows office is;

Missing
Scratched
Registration Key is missing
Forget Backup
Or Just Simply hate when you Buy a brand new Laptop and come home empty handed without MS office.

If the computer is new would you consider having MS Office on your computer already to start and not having to pay extra. If you come to the same conclusion as me then there are other alternatives to enjoy the basis of Microsoft Office. Yet again it is free software that is compatible with MS Office as long as you save the files type as MS Office. There are more functions as the suits of programs essential is covered by OpenOffice. OpenOffice also have a power presentation of its own, and you can also create your very own PDF's without paying more for the software CD that you get at stores. OpenOffice size file download is around 50mb of down.

The troubles of some of its software in saving by default. In opening some files that you create in openoffice is that another computer that you access might need the Openoffice software to be installed to view or print at a different location. Bring a copy of the OpenOffice.exe on a portable flashdrive will be a saver attempt if there is any due assignment ect.

OpenOffice is also widely used by larger companies as the costs of Microsoft licences and numbers of CD to their computers can be quiet expensive. Suncorp uses Opensoftware.

Openoffice was created by OpenOffice.org

Jstock a stockmarket software must have

The stock market software is a must have if your new to the stock market or have a portfolio running in watch list else where. The fact is that not all software have all the wants and needs you would need to win in the stock market.

Tuesday, 26 July 2011

Determine what stocks to pick?

It is hard to say which stock to pick as the historical prices of a listed company was only past performance and not the future. But these historical price may influence you to have an entries and a exit points when trading online. Determining to pick the right stock can be a simple coin toss as to weather invest in any company. The norm is to pick stock that have a large market capital cap to ensure safety of the company for better return on the price of share earnings. This will also add favourable outcomes as to company profits are paid to its share holders. For every share that you earn will be based on the last day of trading price of that company itself. A percentage will be paid based ranging from around 3% to high 8% , the company may pay taxes from their behalf in full known to be "fully franked 100%" or a 35-45% percent tax rate margin.

Profits from these companies are called "dividends" so pick stocks with dividend will be a great start for some safer measures. Safety measures but even giants such as GM had a big impact on shareholders. A little research will help you become more selective in these companies that pay dividends. If you heard about your major companies then they will differently have dividends but does it suit you?

I can explain that they may not suit your stock pick
If you had a sum of say $500.00 to invest in a company and the price issue was $2.70 and pays 3% quarterly then you will have earned the amount shown below.

Investment of  $500/$2.5 per share = sum of 200 shares
Price indicated last trade before release is $2.70 per share @ 3% = 0.081cents "dividend"
0.081 dividend per share x 200 shares= $16.20 1st quarter
if share price remained constant at $2.70 then 4x $16.20= $64.80

The first year you would have earned $64.80 your share portfolio for holding will have a balance of $540.00 that is more then a RIO of 10% which is great.

The only reason why it may be not suitable is that your entry and exit will cost around $60.00 on trading fees.
So the first year you would have earned nothing because your investment was only $500.00 dollars and that you haven't sold but have hold on for the year. As for the $540.00 is only on paper until you sell your shares you will have a $40 dollars profit.

The higher the price of the share will need a higher amount to invest, some amounts are to high for you to fund because of risk. Some aren't worth getting into because of the amounts that you invest. Smaller price share are better for minimum entry of $500.00 that you will get a return at the end of the year after trading fees.

Holding on to you shares is a completely different as you pay only one entry fee for the life of the company, the outcome will be different and may be a rewarding one as the price may hike or accumulate on your dividends.

Monday, 25 July 2011

Business venturing risk free

If you every wonder if there is a way to be totally safe and risk free for any business venture you might imagined yourself into. If you hear about eBay or heard or seen it then it could be a business opportunity to start with eBay. There are objects that are out of this scope on what i include and exclude. As to cutting it straight, to the facts that you will need to have a product that you are going to sell to the end user. The end user is the consumer, between the process of sell there are the manufacture, distributors, yourself, an agent such as eBay fees and transportation charges and the buyer itself. The buyer may send your product back for a refund keeping this in mind, giving you a negative feedback. For any business venturing you will need a capital to start to be risk fee. This risk fee is the money that sits in your bank whilst earning interest, to be specific to the amount will require you to have $50,000 dollars. $50,000 dollars will accumulate nicely as to what happens between the months at a time. If the rate of the bank is high at 6% to 8% then each month you will get $250-$334 dollar per month. This will allow you to purchase inventory each month accordingly to what you want to offer. $250 dollars can buy you almost any consumer goods that can be resold, such items can be from a box of toys with a 100 units. Costing less than $3.00 but are brought for $14.95 in major retail stores and can be sold on eBay. If the items are less than the amount of interest that you earn and the money that is left over will be used as a budget for marketing and item posting fees. The surplus may also include free postal so that you may increase you positive ranking.
It is hard to determine to sell all of your inventory of a 100 item in the month, it also depends on your competition. If you happen to have surplus items you can also sale it in bulk at a liquidating or clearing price that you brought it. Remember that you didn't work hard for this money but you just slept over it. That's the purpose of eBay is to clear stock and another eBay sell might buy your items and resell it.

If you have the inventory and the next month you earned some pocket money to the items that you sold to your end consumer is that you may want to try offers of work at home, working from home such as herbal life, Amway, Avon and so on that gives you a start kit or pack that promotes their business in order to give you a return on your investment.

Wanting to do business but don't have a captial?

There is a way where you are not required to borrow money from the bank to do a business, this method is that you would need business angels or angel investors to start your business.
Angel investor may be anyone that may have the experience of business, retired, millionaire or groups of people with a lot of money that may be surplus cash.

If you have a business and need more money for capital then this is an option where people may fund your business venture. There are large networks that bring people together. A post your needs, amount and so on to get it funded.

If your running a business and know it is successful but you require more money to get bulks of imported products, for which it will reduce your margin costs but increase your profit. Then they may look into it, according to negotiation among your angels.

If you have an idea such as a new fragrance perfume bottle but don't have the money to produce it then they may consider to.

Getting a cut out of the profit, buy your formula, buy over your business or even a return on investment.

In order to get these contacts of angels you may end up paying a account posting fees around about $200 dollars once and for all payment. After that these angels will search or be sent a proposal on which they may fund. How did google get born?

Sunday, 24 July 2011

Moblie virus

Is there such things as a mobile virus, i haven't seen or heard about a Mobile virus but that cypher the descriptions of a malwareattack. But it is possible and surely that a Mobile web browser user on any 3g network can in fact be stored on the Mobile it's self. Hidden or seen as an .exe file that users are unaware of, the download of these files are yet again stored in the memory of the phone. A worm virus will duplicate it's in other system files of the phone. When the Mobile is connected to the a computer the virus will spread on the users computer and infect the computer it's self. A scanning is required before copying or transfer the files in order to deleted the threat.

Saturday, 23 July 2011

Spybot

Spybot is one of many spyware and adware removal software that scans, detect, notify, recovers, deletes and immunise your computer. It's one of the most trusted software that i have seen and been using for years. Whats great about it is that is free and easy to use, even if your not a computer literate. It will notify you what is happening in real time if there are any harm been done to your registry of your windows computer. The registry is a database of configurations and setting set by windows in order to start your computer of what you are seeing now as the core basis of the operation system your using. If a piece of this data were to be hijacked, changed or detected, your system many respond slower, warnings of program files showing that are missing or been not able to run at all.

In the best interest of protection we certainly don't know what sort of a malware the creator has intended to do. It is the creator that can create according to his or her interests to corrupt your computer.

Spybot search and destroy will work on windows operations system from 1995 to window vista on downloading. Whilst windows 7 a purchase of the CD is require to be mailed out to residental homes.

Down turns of spybot, although the spybot is free there are a few issues with the spyware and adware.
If don't have Internet security and you install spybot and after the process of using it. Your computer will have some troubles with the Internet security of not allowing it to install. This process of installing process is to install spybot after any Internet Security to allow these Registry to be installed.

Spybot also doesn't wipe all of the spyware and adwares that are in your computer but leaves some traces of of the infected files. At least some of the infected files or threats are being removed would you say?

There are forever on going developers of these malware attacked generated daily, how can a company catch up to these syndicates in time and what is spreading online or offline.

Spybot can update its lists to identify theses malware attacks to your software that you installed. These updates can be automatic or manual.

Updates are a downfall in the process of scan if you have been on the Internet as more and more are added in the database to search and destroy. The time of scan will depend on the capacity of your hard drive storage usage.


Safer-networking.org

USB broadband modem troubles

There are a few issues when you plug-in and takeout that can cause your broadband modem to cause a fault or become faulty over daily and extended periods of use.

In order to keep it well maintained from a pre-paid service starter kit from any Internet service provider is that you plug-in your modem at an stable and reliable com port. Com port is a computer portal that links from one electronic device to another electronic device.


Making sure that the modem is clear away from any objects, especially USB ports that are dual. Connecting another USB cable or device can cause a fault because of the gap between the two ports. If it doesn't fit nicely don't force it in.


Removal of your USB Modem requires an extra step the just pull out there should be an icon located on the Right hand side near your time panel. There should be a small image of a USB device, if you don't click on the icon by drag your mouse over it should say it.
Right click and click on remove hardware. Once the icon appears ticked than you can safely remove it. The reason for these process is that no electrostatic interrupts your data files or store files, like a flash drive.
Pre-paid broadband modems are a hassle if the connections are being forced or wires have been disconnected. Instead of purchasing a whole new starter kit. You can simply use another previous ISP package,and reinstall the software thereafter uninstall and use the previous modem.


1) Malfunctioned USB or Broken connection points under physical conditions
2) Replace with another Previous Broadband modem or Buy a used Broadband modern or get it repaired from a Major retail electronic store.
(Retail electronic store- Ask for a quote before handing it in.)
3) if you replace the Previous broadband modem than make sure you have the original software for the modem, it doesn't matter what ISP it was as long as the software comes with that specific modem model.
4) Install the program, once the program has been installed, the modem driver should be installed also.
5) Un-install the program afterwards, So the software doesn't get recognised by the computer and create another wireless network connection.
6) Simply use the Broadband Internet Service Provider that you recharge with the Sim in it.
The reason for the use of the old software from a different ISP is that you don't need to find or update driver settings that is located in the control panel of the operating system.


Make sure that the operation system is Windows as a test for this method has been used of a specific modem.


If you have concerns and doubts perhaps borrow a friends modem. The modem may not be the problem but also the USB port connections plates are loses, broken and so forth.


If you have another USBdevice then plug in and see if it is operating and functioning properly.
Warranty of the computer or electronic device may or may not be covered.
Broadband ISP on plans should cover replacement of the modem.

Tuesday, 19 July 2011

Credit cards advantage on mortgage

Credit cards have an advantages when it comes to your home ownership, it can be difficult to make or meet repayments in the near future if your mortage rate goes up a few basis points on what your already paying. It can be an terror each month it increase about $50 to $80 dollars depending on your loan amount owning. If you fixed it a few years ago then it would have been smart and if you didn't you know what im talking about.

If the rate of your mortgage raises but your salary doesn't will mean that you are losing more of your savings. When that happens year after year the amount will go into negative gearing and you will end up selling your home. If you loved your home that you purchase, and want to continue living there for a few extra months or you cant make it this month because of some sort of curiumsances is that you can make a withdrawal on advance cash and banking it into your home. It is an option if you can find money that you can borrow interest free.

The rate can be high as 21% pa on the amount you taken out, but remember it is calualated daily. For a $5,000 dollars your looking to make a minium of around $120 dollars a month.

Openning a credit card with a home will grant you credit for around about $15,000-$20,000 dollars, if your card has a $15,000 credited and your mortgage is say $2,000/month you can last atleast 6 to7 months more before selling your home or your bank takes it for auction

Monday, 18 July 2011

Credit cards

Credit cards offers great personal mentality to show off you have one, a credit card is the money that you don't have. Its money that a bank lends you, for purchases from retail to designer store in large amounts of money that you just can't withdraw from your everyday saving's card and yet you don't want to carry a lumpsum to the store because you are not insured if a drama occurs. All banks offers creditcards for all sorts of needs and wants of their clients. This may very well be yourself if you have one you better cut it, your actions of cutting the card itself  will set you back a -$20.00 for a replacement in your savings account.

Penny hopefuls

Thats right pennys when was the last time you actually seen one? If you seen one or have on then they are certainly worth more then just a penny now days.

How to be a millionaire in share trading

It's possible to be a millionaire through share trading believe it or not, it's certain that top listed companies in a market place won't do you any good. The only possible way to become one is to trade through smaller listed companies that provide you this opportunity to profit. This would mean that you do a little research about the prices of the shares, creating yourself a target to enter and exit the market. A simple chart reading will do you well, if there is a big enough price gap between certain periods then it would be it.