blackstoneharness.com

By Dave Lavoie

There are innumerable products which can be prepared by the aluminum extrusion method. One of the most common products of aluminum extrusion is the aluminum tubing. Aluminum tubing is made in different sizes and shapes. Aluminum tubing can be created with different selection of alloys according to required specification of the products. There are many companies who have pioneered in the techniques of aluminum tubing. Aluminum tubing is very cost effective in terms of manufacturing prices.

Aluminum tubing is available normally in 2 types. It is straight or elongated tubes or coiled tubing. The extruded straight length tubing is called as the pipes. Drawn tubes have got complex shapes and are controlled for both external and internal finishing during the manufacturing process. The Aluminum tubing has the flexibility to bend. Aluminum tubing has hollow structure with accurate and uniform cross section or radius all through the tube. The cross sections of aluminum tubing have different type of shapes. They can be round, rectangular, octagonal or maybe even complex shapes. It depends on the die used during the aluminum extrusion process.

The 2 types of aluminum tubing are namely extruded tubes and the drawn tubes. The pipes are elongated extrusion tubes and they are mostly available in the standard sizes. The outside diameters and the thickness of the wall are normally of standard sizes. Drawn tubes can be made into various shapes using the die and the finishing are much superior with these tubes. Drawn tubes are given various dimensions by using the dies and the finishing of drawn tubes is better than the extruded tubes. It is also far superior in strength when compared to the extrusion tubes even when the same alloys are used for the processes. Oval tubes can be easily controlled with the drawing process than with the extrusion procedure.

There are many products made with the aluminum tubing or by the drawn pipes. Just to name a few, they are refrigerator parts, Automobile products, Lines to transfer fluids and gas, Furniture, Partitions and panel frames and lots more. Due to the flexibility to produce various shapes with the aluminum extrusions and draw tubes, the scope is very wide for the manufacturing of various products. There are even custom shapes which can be manufactured and you will not have to stick to the standard designs just for the purpose of compatibility. The possibilities of the products are simply unimaginable.

Aluminum is one of the lightest and the most abundantly available natural resource in the works. It has more strength when compared with weight and strength ratio with other metals. It is corrosion resistant and can also be used with alloys to produce different products. Therefore, the use and manufacture of the aluminum extrusion products has rapidly increased all over the world. It is quite evident by the fact that you get to see so many manufacturing and marketing companies of aluminum tubing on the internet. The market is very hot due to possibilities of new dimension with the shapes and strengths of the aluminum tubing.

About the Author:

alfiniti.com

Source:

isnare.com

Permanent Link:

isnare.com/?aid=303058&ca=Opinions

By Brandon Cornett

This home buying tip explains the importance of good credit and what you can do to improve your credit score.

When you apply for a mortgage loan, your credit will inevitably come under scrutiny. Mortgage lenders will review your credit closely to determining your credit “risk category.”

If your credit score is high and your risk is low, you have a good chance of being approved for a loan. If the opposite is true (low credit score and high risk factor), then you’ll likely have trouble obtaining a loan.

How to Maintain Good Credit

When it comes to credit, an ounce of prevention is truly worth a pound of cure. In other words, you should focus on maintaining good credit at all times. That way, when you’re ready to apply for a mortgage loan, you won’t have any unpleasant surprises.

Being labeled “sub prime” or “bad credit” by a mortgage lender can make the home buying process more difficult. So you should do everything possible to keep your credit score high.

There are no quick fixes with credit, only long-term strategies and good practices. Here are some things you can do to improve your credit score:

1. Pay all your bills on time. This means all your bills — credit card, auto loans, etc. Paying bills on time will raise your credit card. Having a history of late payments will lower your score and cause you problems.

2. Keep credit card balances low. Don’t let your credit balances get away from you. This will increase your overall debt, which will in turn elevate your debt-to-income ratio.

3. Keep your debt-to-income ratio at 20% or lower. Your debt should not total more than 20% of your net monthly income. If it does, focus on paying down the debt as quickly as possible.

4. Always pay at least the minimum amount. If you can afford to pay more than the minimum amount due on credit balances, by all means do so. It will reduce your balance quicker and give you a more favorable debt-to-income ratio. But make sure you pay at least the minimum amount. Paying less than the minimum will generally lower your credit score.

5. Limit the number of loans / accounts you apply for. If you apply for credit too often, it could raise a red flag that you can’t manage your finances. Use credit and loans sparingly … only when you need them.

Sure you want to improve your credit score. But don’t focus solely on the short-term. Focus on maintaining a good credit score through the practices outlined above. This home buying tip will pay great dividends when it comes time to apply for a mortgage loan.

* Copyright 2006, Brandon Cornett. You may republish this article if you keep the byline and author’s note, and also leave the hyperlinks active.

About the Author: This home buying tip was brought to you by

HomeBuyingInstitute.com

, the Internet’s largest library of home buying advice. Increase your home buying intelligence by visiting:

homebuyinginstitute.com!

Source:

isnare.com

Permanent Link:

isnare.com/?aid=49936&ca=Finances

By Susan Willis

A home equity loan may be the ideal choice for homeowners who need quick access to cash. After all, equity loans provide the him or her with the opportunity to use the equity in their home as collateral against a new loan.

The proceeds from a home equity loan can be used for whatever the homeowner wants, including paying off debt, paying down medical bills, taking a vacation, throwing your daughter a wedding, or doing home improvements.

However, it can be a different story entirely if you have a bad credit score. Homeowners who have a low credit score often face the same issue each time they visit a new bank to apply for a home equity loan: rejection.

Sometimes, getting approved for a loan is just as much about what to avoid as it is about what to do. Homeowners with a low FICO score routinely find themselves stepping right into a situation whereby they make the wrong move and it costs them a loan offer.

If you are interested in qualifying for a bad credit home equity loan, here are 5 things to avoid:

1. Do not just approach any home mortgage lender for a loan:

As you may have already found out, the majority of home mortgage lenders are not interested in working with an individual with a less-than-perfect credit score. That is why it is essential that if you are in need of cash via an equity lender, do not just approach any given lender and apply for a loan. If you do, you will likely continue to experience the same pattern of rejection you have seen thus far.

Instead, look for “bad credit home equity lenders.” These are the ones who offer just what you need for someone in your situation.

2. Avoid failing to properly prepare:

Bad credit equity lenders are not just going to look at your credit score. Rather, they go much deeper than that. Gather together any documents that indicate your employment history, your current income, and any relevant items related to your personal financial history.

3. Do not just apply to one lender:

Many homeowners interested in a home equity loan end up only applying with a single lender. This is a big mistake. If you do this, you will likely not be offered the best-possible rate the first time around. Instead, improve your odds tremendously by applying to multiple lenders.

4. Avoid accepting the first offer you receive:

Since you are anxious to get access to cash quickly, you may be tempted to accept the first loan offer you receive. Avoid this temptation. Instead, apply to all of the lenders on your list.

5. Do not skip the fine print:

Remember, before signing this – or any type of – loan documents, be sure to read the fine print. Make sure you understand the repayment period, interest rate, and other important loan details.

Be sure to avoid these 5 common mistakes as you go after a bad credit home equity loan.

About the Author: Find more tips on how to secure a bad credit home equity loan at:

Bad Credit Equity Loan Approval

.

Source:

isnare.com

Permanent Link:

isnare.com/?aid=634957&ca=Finances

Royale Capital ActiveSuper: SMSF Administrative Management: Reporting

by

Jason Burrows

One of the most important responsibilities the trustee of an SMSF faces is the legal requirement to keep proper and accurate tax and super records to manage their fund efficiently. You are also required to prepare both monthly and quarterly financial reports. These reports are prepared not just for the members of the SMSF but are also required for audit purposes.

Unfortunately all this report writing can be extremely time consuming and requires at the very least a strong basic knowledge of accounting best practices. Expert knowledge of the many tax and SMSF legal requirements is essential. The average person, regardless of educational background seldom has these levels of knowledge let alone has the time to perform all this record keeping even when they do.

This is where Royale Capital comes in. One of the key services offered to our Private Wealth Members is comprehensive reporting on all SMSF investment, compliance and administrative activities to trustees, as well as the fund s authorised service providers such as financial planners and accountants.

Each month Royale Capital reviews the compliance and reconciliation of the fund and based on compliance regulations and proper dates of review prepares and issues the required reports on your behalf. Some reports are required to be prepared monthly, others quarterly, while others, such as member contribution statements and non GST taxes are usually issued annually.

As mentioned above, the amount of time that needs to be devoted to reviewing and putting these reports together is considerable. Without expert help many become hopelessly lost in the tangle of tax law and accounting practices. Unfortunately one cannot just throw one s arms up these reports must be prepared and must be issued as there are serious legal ramifications if they are not or during an audit are found to be in error. Whether the error is a honest mistake or not is not a defense.

Royale Capital uses an advanced workflow system to make sure that all reporting is undertaken when required. All reports are prepared by our experienced and professionally trained administrators. When these tasks are completed they are then verified by a senior staff member. All tasks undertaken for the fund are kept in an accurate record with other key fund data for the life of the fund being administered by Royale Capital.

To be more specific, Royale Capital provides its Private Weath members with monthly task summaries, an open issue summary that details all open communication issues regarding fund activities and a monthly fund reconciliation of all financial transactions versus bank statements and provides notification of any breaches of compliance.

Our quarterly reports include an examination of the current investment strategy, the current value of the funds investments against the original cost of those investment, a list of all purchases and sales transactions made during the quarter, an income report, any unrealized gains or losses for each of the fund\’s investments, and a compliance report.

In terms of annual reports

Royale Capital

prepares and issues a detailed annual financial statement, an compliance review report that includes tax returns, tax return schedules, investment reports, member contribution statements, member statements, any audit reports and trustee(s) declarations.

When the fund is paying one or more pensions, an annual audit report is provided and if required, an actuarial certificate.

In all cases, reports are prepared to be in accordance with all current SMSF regulations and tax laws.

Most of our members would rather spend time building their wealth rather than the drudgery of putting together financial reports. Royale Capital makes that possible.

To learn more about all the financial services and educational programs offered by Royale Capital and our Private Wealth program, visit our website at http://www.royalecapital.com.au/ or give one of our expert consultants a call at 1300 924 463.

Jason Burrows is professional author. He has written many articles for

Royal Capital

. This time he writes article on Royale Capital ActiveSuper: SMSF Administrative Management: Reporting.For more information visit at:

Capital Royale

Article Source:

ArticleRich.com

By Matt Bacak

Have you ever left a seminar thinking: I could have done a better job than that! Before you start signing up attendees, take a few minutes to think about what you are getting into. Putting on a seminar involves planning, time, and money. Understanding the ins and outs of the industry will go a long way in helping you hold a successful seminar. Thats where I come in. Over the past 4 years, I have put on over 4,000 seminars, and a handful of national conventions. I will help you plan the event, and make sure that someone shows up!

The first thing that you need to consider is your purpose for holding the seminar. Are you trying to make money on ticket sales? Or money after the class? Are you just trying to get people in the door? Your goal of the seminar will play a huge role in the marketing method that you choose. Dont be afraid to think outside of the box here. Many companies will try to make the most money possible on all fronts. This greedy train of thought will leave your seminar lacking some very important elements. Choose one and stick with it. Many seminar gurus know that the real money in the seminar business is in the after class sales. This could be follow-up work from your instructor, a subsequent training seminar, an add-on product, etc. You want everyone to leave with something in their hand.

Now that you have your goal set, its time to put butts in chairs! Dont let anyone fool you into thinking that a successful seminar has to cost a lot of money. If your overall goal is to get after the class sales, or fill up a room consider some of these options:

Give it away! Its a radical idea, but one that I have grown to know and love. By offering the class for free, you eliminate many of the barriers to the sale. Price is not an issue, and they will expect less from you. That doesnt mean that you should skimp on content, but their expectations will be considerably lower. If you have the resources and time, consider making a pre-seminar call to touch base with everyone that is signed up. This will encourage the students to show up on time, and help built a relationship for future sales.

Submit a press release. Create a simple press release (1 page or less) highlighting your company and your seminar. Dont forget to include your registration phone number. Submit that release to your local paper, and wait for the phone to ring. If the paper decides to pick it up- you get free publicity!

Cross-marketing opportunities. Depending on the seminar, you may be able to find cross marketing opportunities. For instance, if you were doing a financial based seminar teaching students how to file their taxes, you could pair up with a local tax preparation office or accountant. They could pick up half of the marketing tab, or advertise to their existing client base. The possibilities are endless. I have had some great results by pairing with the local chamber of commerce or bank chains. They will offer their seminar space for free, and help with free advertising.

Local paper. Get a price quote from your local paper. Small town publications will usually cost less than $500 dollars, while metropolitan areas can run as much as $2000.

Mailers. Direct mail is always a popular choice, but tends to cost a bit more to execute. Consider forgoing the expensive four color brochure in place of a targeted letter, hand signed. They cost a lot less to reproduce and tend to draw more attention than a mass mailer. Postcards are also an inexpensive way to reach a large group of people. Consider sending your mailers to pre-existing customers or you can buy a targeted mailing list from companies like www.infousa.com.

No matter what method you choose, try to get your campaign rolling 2-3 weeks prior to the seminar. The marketing pieces should be in their hands within that time, anything before or after will likely go unnoticed.

Now that you have attendees, you need to focus on the seminar itself. There are many barriers to adult learning, but they are easy to overcome. The main one that I have come across has to do with the format of the class. You want to create an environment that will encourage teamwork and participation. The instructor plays a huge role in the overall feel of the seminar. They need to guide the students to the right answers, allowing them to try to find the answers in their workbooks or among each other. When creating a workbook, keep the sentences short and to the point. Avoid grammatical errors and long drawn out paragraphs. When possible, use bullet points to break up large amounts of data. If the subject warrants it, add plenty of graphics or screenshots. Over 65% of the general population is visual learners, so make sure to give them plenty to see.

Last but not least, focus on the seminar itself. Dont get caught up in catered lunches or complex setups. Offer tea and coffee and plenty of breaks throughout the day. They are there to learn and hopefully give you their money, the rest is just details!

About the Author: Matt Bacak, The Powerful Promoter and Entrepreneur Magazine e-Biz

radio show host, became a “#1 Best Selling Author” in just a few short hours. He has helped a number of clients target his specialty, opt-in email direct marketing systems. The Powerful Promoter is not only a sought-after internet marketer but has also marketed for some of the world’s top experts whose reputations would shrivel if their followers ever found out someone else coached them on their online marketing strategies. For more information, visit Bacak’s site at powerfulpromoter.com

or sign up for his Powerful Promoting

Tips at promotingtips.com

Source:

isnare.com

Permanent Link:

isnare.com/?aid=4237&ca=Marketing