New York Real Estate Tips

So much has been written about the Real Estate in New York and some of those reports about the Real Estate in New York shows how the market of commercial estate in New York prosper and continue to grow.

According to the report about the New York Real Estate, the rents for retail space or Real Estate in New York, particularly on 34th Street have propelled as the area switched to a harbor for national franchises from a discount Mecca. The experts for Real Estate in New York also noted that the rents for Real Estate in New York and retail properties, specifically on the 34th Street between Fifth and Seventh avenues have accelerated to 82 percent in the past year to $299 per square foot. In line with this report about the Real Estate in New York, it is as well noted that with such event in the NY Real Estate, the stores such as American Eagle Outfitters such as Heartland Brewery are moving in, replacing local discount shoe stores and shops.

In relation, to the reports that show how the Real Estate in New York prosper, I would like to present some facts about the status of the retail rents in New York to cover the status of the Real Estate in New York since I know that the retail properties are in one way considered to be part of the Real Estate in New York. Please note that in this article, I will also use the term “Real Estate in New York” to refer to the retail properties in New York.

So, one of the reports dealing with the New York Real Estate stated that the rents for Real Estate in New York particularly the retail rents are skyrocketing on 34th and 42nd streets. This report for Real Estate in New York is actually presented in the New York Sun, Friday edition.

Related Article: Find Local Real Estate Auctions & Save Thousands “-

Furthermore, the data about the situation of the Real Estate in New York was actually cited in the fall retail report by the Real Estate Board of New York, and such event led to the comment that such specific area for Real Estate in New York is not at all a site for discount stores, but already a street that is filled with national brand names which can as well be located in the neighborhoods such as the Upper West Side and SoHo. Along with this notable report about the Real Estate in New York particularly the retail property rents also cited that rents for Real Estate in New York specifically the retail rents along 42nd Street between the Sixth and Eight avenues skyrocketed of 54 percent, to $243 a square foot, compared with the same year.

However, with the report about the Real Estate in New York in particular with the retail property rents, it is noted that one reason that the average rent for Real Estate in New York and retail properties increase in the past year may not have been as deeper as the report suggests in the pattern of vacancies. And the report further noted that the market of Real Estate in New York is very tight this year, leaving the more expensive small areas on the market of Real Estate in New York for this year.

How Do Major Data Breaches Occur?

Recently, Sony PlayStation Network was breached and an estimated 77 million user accounts were jeopardized. Unfortunately, such reports of information breach are ending up being common to the point that they do not make for interesting news any longer, but effects of a breach on a company can be extreme. In a situation, where information breaches are ending up being common, one is obliged to ask, why is it that organizations are ending up being prone to a breach?

Siloed technique to compliance a possible cause for data breachOne free credit monitoring of the possible reasons for data breach might be that organizations are managing their guidelines in silos. And while this might have been a possible technique if the organizations had a couple of regulations to handle, it is not the best concept where there are many policies to adhere to. Siloed method is expense and resource intensive as well as causes redundancy of effort between various regulatory assessments.

Prior to the enormous explosion in regulatory landscape, numerous organizations taken part in a yearly thorough threat evaluation. These assessments were complex and costly however because they were done when a year, they were workable. With the surge of guidelines the cost of a single in-depth evaluation is now being spread out thin throughout a variety of fairly superficial evaluations. So, rather than taking a deep take a look at ones company and recognizing risk through deep analysis, these assessments tend to skim the surface. As a result areas of danger do not get determined and dealt with on time, causing information breaches.

Though danger assessments are expensive, it is crucial for a business to discover unknown data flows, review their controls mechanism, audit individuals access to systems and procedures and IT systems throughout the organization. So, if youre doing a great deal of evaluations, its much better to combine the work and do deeper, significant assessments.

Are You Experiencing Evaluation Tiredness?

Growing number of guidelines has also led to companies experiencing evaluation tiredness. This occurs when there is queue of evaluations due throughout the year. In hurrying from one evaluation to the next, findings that come out of the first evaluation never truly get addressed. Theres nothing even worse than assessing and not fixing, due to the fact that the organization winds up with too much process and inadequate results.

Safeguard your information, embrace an incorporated GRC solution from ANXThe goal of a GRC service like TruComply from ANX is that it offers a management tool to automate the organizational danger and compliance processes and by doing so permits the organization to accomplish real advantages by way of decreased expense and deeper exposure into the company. So, when you desire to span threat coverage throughout the organization and identify potential breach locations, theres a lot of data to be precisely collected and evaluated initially.

Each service has been developed and matured based on our experience of serving countless clients over the last 8 years. A short description of each option is included below: TruComply – TruComply is a user friendly IT GRC software-as-service application which can be completely executed within a few weeks. TruComply government free credit report presently supports over 600 market regulations and requirements.

Handling Information Breaches Prior to and After They Occur

The crucial thing a company can do to safeguard themselves is to do a danger evaluation. It might sound in reverse that you would look at what your challenges are prior to you do a plan on ways to fulfill those difficulties. But up until you evaluate where you are susceptible, you truly do not understand what to protect.

Vulnerability is available in various locations. It could be an attack externally on your information. It could be an attack internally on your information, from a staff member who or a momentary staff member, or a visitor or a vendor who has access to your system and who has an agenda that’s various from yours. It might be an easy accident, a lost laptop, a lost computer system file, a lost backup tape. Taking a look at all those different scenarios, helps you recognize how you require to build a danger evaluation plan and a reaction plan to fulfill those potential risks. Speed is very important in reacting to a data breach.

The most critical thing that you can do when you find out that there has actually been an unapproved access to your database or to your system is to isolate it. Detach it from the internet; detach it from other systems as much as you can, pull that plug. Ensure that you can separate the part of the system, if possible. If it’s not possible to isolate that a person part, take the entire system down and make certain that you can protect what it is that you have at the time that you understand the incident. Getting the system imaged so that you can maintain that proof of the intrusion is also crucial.

Unplugging from the outdoors world is the very first critical step. There is truly very little you can do to avoid a data breach. It’s going to occur. It’s not if it’s when. But there are actions you can take that aid hinder a data breach. Among those is encryption. Securing information that you have on portable devices on laptops, on flash drives things that can be disconnected from your system, including backup tapes all must be encrypted.

The variety of information incidents that involve a lost laptop or a lost flash drive that hold personal info might all be avoided by having actually the data encrypted. So, I think encryption is an essential aspect to making sure that a minimum of you lower the events that you may come up with.

Id Data Breaches May Prowl In Office Copiers Or Printers

Lots of physicians and dental experts workplaces have embraced as a routine to scan copies of their clients insurance cards, Social Security numbers and chauffeurs licenses and include them to their files.

In case that those copies ended in the trash can, that would plainly be thought about an infraction of patients personal privacy. Nevertheless, doctor workplaces could be putting that patient information at just as much threat when it comes time to change the photocopier.

Office printers and photo copiers are frequently neglected as a significant source of individual health information. This is probably since a great deal of people are unaware that lots of printers and copiers have a difficult drive, similar to your desktop, that keeps a file on every copy ever made. If the drive falls under the incorrect hands, someone might gain access to the copies of every Social Security number and insurance coverage card you’ve copied.

Hence, it is essential to keep in mind that these devices are digital. And simply as you wouldnt just toss out a PC, you need to deal with copiers the exact same method. You must constantly strip individual info off any printer or copier you prepare to discard.

John Shegerian, chair and CEO of Electronic Recyclers International, a Fresno, Calif.-based e-recycling business that runs seven recycling plants across the nation, said he got into the organisation of recycling electronic equipment for environmental factors. He states that now what has taken the center spotlight is privacy concerns. Cellular phones, laptops, desktops, printers and copiers need to be managed not just for ecological finest practices, but also best practices for privacy.

The primary step is examining to see if your printer or photo copier has a disk drive. Devices that act as a central printer for several computer systems typically utilize the hard disk drive to produce a queue of jobs to be done. He stated there are no set guidelines even though it’s less most likely a single-function maker, such as one that prints from a sole computer, has a disk drive, and most likely a multifunction machine has one.

The next action is discovering out whether the machine has an “overwrite” or “wiping” function. Some machines immediately overwrite the information after each task so the data are scrubbed and made useless to anybody who may obtain it. A lot of devices have guidelines on the best ways to run this function. They can be found in the owner’s handbook.

There are suppliers that will do it for you when your practice requires aid. In fact, overwriting is something that ought to be done at the least prior to the device is offered, disposed of or gone back to a leasing agent, experts stated.

Because of the attention to privacy issues, the suppliers where you purchase or lease any electronic devices ought to have a strategy in place for dealing with these concerns, professionals stated. Whether the hard drives are damaged or gone back to you for safekeeping, it’s up to you to discover out. Otherwise, you could discover yourself in a circumstance much like Affinity’s, and have a data breach that need to be reported to HHS.  Visit identity theft cases for more support & data breach assistance.

Finding Self Storage in Oceanside, Ca

Finding Self Storage in Oceanside, Ca to Suit Your Needs Should Not Pose a Problem

When it comes to finding self storage in Oceanside, Ca to suit your needs, then there really should not be any problem whatsoever due to the number of units that are available at any given time. Each company in the area that offers this service will be able to provide you with a unit suitable for your needs and you know that your items will then be held in a secure location for as long as you need. Units are available in a whole host of sizes and you will also find that some can be chilled should you require it, so what kind of things do you need to think about when trying to select the storage unit that is right for you?

Clearly the first thing that you must do is try to work out how much space you will require as this is going to influence the unit that you then rent and the last thing you want is to rent one that is either too small or indeed too big. What you must, therefore, do is look at making a list of everything that will be going and consider how things can stack on top of one another as this can often result in you getting a smaller unit that is cheaper and saving you money.

Another thing to consider is how big and heavy the items are as some companies that offer self storage in Oceanside, Ca will have outdoor units that you can drive right up to the door of while others have indoor units that will mean you have to wheel or carry your items to your unit. When talking to the company that you plan to hire from, do make sure that you tell them about which option you require, but do be aware that outdoor units are often the most popular so you may have some difficulty in getting a unit with certain companies.

It will always be beneficial to you to compare the rates of self storage in Oceanside, Ca with at least three companies before signing up because there can be a difference in the rates depending upon the company that you use. When comparing prices always remember to look at the same sizes, or as close as you can get them, in order to have a fair comparison. Do also get confirmation that you can end the agreement whenever you want and compare the terms and conditions of the rental agreement as this may have an influence on the one you select because price really is not everything.

So finding self storage in Oceanside, Ca to suit your needs is indeed very easy and the things mentioned above are going to be the key points that you need to take into consideration when trying to select the company that you will indeed go and use. The best piece of advice is to shop around and be sure that you are getting the right size of unit for your items then simply sign the agreement, pay your money, and let the company look after your belongings rather than them taking up space in your home.

This post was sponsored by Oceanside Self Storage. Get in touch with them for an estimate at

What to Look For In A Professional Plumbing Service

We at OPS provide clients with highly experienced, qualified plumbers who have taken a modern approach to the trade, offering a complete range of plumbing services for your home. We are RGI registered and compliant and can cater for jobs of all sizes and specifications. We pride ourselves on delivering the highest possible standard of customer care and will work closely with you to ensure we understand your needs and requirements so that we can undertake to supply you with the most efficient and cost effective products and services available customized to suit your needs.

Domestic Bathrooms

Bathrooms, Tiling, Showers & Pumps. When we design your dream bathroom, we work in conjunction with you to create a space completely tailored to your specification and fully aligned with your personal tastes and preferences. We will provide you with a vast range of samples and styles from a variety of the best suppliers to ensure we find the right choice for you. OPS is committed to helping you get the most from your space, your home and your investment.

Cold Water Storage Tanks

When installing your new cold water storage tank we will ensure it corresponds with the cold water outlet requirements and the level of demand specific to your property. It is crucial that the tank is installed correctly to prevent the accumulation of stagnant water and potential resulting growth of bacteria. We make sure that your tank is carefully sealed and insulated to prevent any possibility of contamination.

Waste & Drainage

OPS takes a proactive approach to addressing any drainage problems which can arise in the home. We regularly encounter a wide range of drainage issues for which we can offer positive and helpful solutions. From blocked drains to foul smells, we have the experience and expertise to repair and clean your drainage system and always endeavour put measures in place to prevent re-occurrence.

Hot Water Tanks

OPS will carefully select the most appropriately sized gravity or pressurized hot water cylinder for your home. We will advise you on all types of hot water cylinders available to you and assist you in choosing the one which will best meet the requirements of your property.

Renewable Energy

The Better Energy Homes scheme provides grants to homeowners who invest in energy efficiency improvements in one or more of the following areas: Roof insulation, Wall insulation, Installation of high efficiency (>90%) Gas or Oil fired boilers, Heating controls upgrades and solar panels.

Water Filters & Softeners

With the introduction of water metering nationwide, it will be in our interest to ensure you manage your water usage carefully and get the most from the water you consume. OPS can install a water filter in your home which will prevent any contamination and remove the impurities that can be found in the incoming water mains to your home. Thus giving you peace of mind that the water you will pay for in the future is clean and of good quality. Water softeners will also protect your appliances from damage caused by hard water, saving you money in the long term.

Domestic Bathrooms

Bathrooms, Tiling, Showers & Pumps. When we design your dream bathroom, we work in conjunction with you to create a space completely tailored to your specification and fully aligned with your personal tastes and preferences. We will provide you with a vast range of samples and styles from a variety of the best suppliers to ensure we find the right choice for you. OPS is committed to helping you get the most from your space, your home and your investment.

Cold Water Storage Tanks

When installing your new cold water storage tank we will ensure it corresponds with the cold water outlet requirements and the level of demand specific to your property. It is crucial that the tank is installed correctly to prevent the accumulation of stagnant water and potential resulting growth of bacteria. We make sure that your tank is carefully sealed and insulated to prevent any possibility of contamination.

Waste & Drainage

OPS takes a proactive approach to addressing any drainage problems which can arise in the home. We regularly encounter a wide range of drainage issues for which we can offer positive and helpful solutions. From blocked drains to foul smells, we have the experience and expertise to repair and clean your drainage system and always endeavor put measures in place to prevent re occurrence.

Water Filters & Softeners

With the introduction of water metering nationwide, it will be in our interest to ensure you manage your water usage carefully and get the most from the water you consume. OPS can install a water filter in your home which will prevent any contamination and remove the impurities that can be found in the incoming water mains to your home. Thus giving you peace of mind that the water you will pay for in the future is clean and of good quality. Water softeners will also protect your appliances from damage caused by hard water, saving you money in the long term.

Renewable Energy

The Better Energy Homes scheme provides grants to homeowners who invest in energy efficiency improvements in one or more of the following areas: Roof insulation, Wall insulation, Installation of high efficiency (>90%) Gas or Oil fired boilers, Heating controls upgrades and solar panels.

Hot Water Tank Installation

OPS will carefully select the most appropriately sized gravity or pressurized hot water cylinder for your home. We will advise you on all types of hot water cylinders available to you and assist you in choosing the one which will best meet the requirements of your property.

Are you looking for an affordable and efficient plumbing professional there is no need to look any further than Oceanside Plumbing Services. We offer around the clock, residential and commercial plumbing services to not only the greater Dublin area, but all over Ireland due to our close proximity to the M50. We can handle any job big or small. From minor leaks to a full gas boiler Instillation. Get in touch with Oceanside Plumbing Services at

6 Weight Loss Tips We All Know & Aren’t True

Here are 6 weight loss ‘facts’ we all know. The only small challenge is…they aren’t true, and will not help in weight loss or anything else.

1 Breakfast:–a must have meal- for the metabolism and, it’s important in setting your energy up for the day. It’s how you break the night’s fast.

Today that just isn’t the case. Many of us get out of bed, drive or ride to our job, and sit in front of a computer all day.

It doesn’t mean we don’t do physical labor at all, but for the vast majority it’s not the same intensity and duration as it used to be 200 years ago.

We most of us don’t need a lot of calories before starting our day.

That’s not to say that you shouldn’t eat something in the morning.

And that’s not to say you shouldn’t drink some liquid first thing in the morning preferable non-alcoholic of course!

Ideally, some water, some exercise before you start your day.

But it doesn’t have to be breakfast at 6 a.m sorry Mc’Donalds.

Your schedule for your day

It can be a break at work at 10 a.m.

If you’re the type who is hungry when you wake up, eat breakfast.

Simply stated, it costs calories to digest and absorb food. But you can’t create a negative balance. In other words, you can’t burn more than you eat.

There are no data to suggest that you’ll burn more calories over the course of the day by eating breakfast.

So don’t eat just because you think you’ll burn calories–it would be better for you to workout, which will actually burn calories, and then eat something later in the morning.

2 Iceberg lettuce has zero nutrition.

Iceberg lettuce is the most popular form of lettuce we eat in the West. We eat it in salads and on burgers and sandwiches. It’s mostly white, has a great crunch when cold, and most people believe it has no nutritional value me included .

But it’s not exactly true.

Almost 2 grams of dietary fiber Vitamin A–361 IU, mostly beta carotene and lutein Folate–41.8 mcg Calcium–26 mg Magnesium–10.0 mg Phosphorus–28.8 mg Potassium–204 mg Most surprising, it has 75 mg of omega-3 fatty acids!

While the nutrient content isn’t the best profile in the entire vegetable world, it’s not zero.

Ref: How to stay healthy without Killing Yourself

Of course, you can do better: red leaf lettuce has the best nutrient profile, followed by romaine.

But in a society that averages less than three vegetables per day, iceberg lettuce is not to be scorned.

3 Sugar = empty calories.

Sugar is the Devil.

It’s not the sugar – its the quantity we absorb in this day and age

There’s no question humans have a sweet tooth. We seem to love everything sweet from candy to cookies to cake to soft drinks and on and on. If you feed sugar and fat to laboratory rats, they would rather starve than go back to their old rat chow.

Sugar is not empty calories–sugar is pure energy.

Related Article: Megadrox Muscle Building Supplement Review  – Free Trial

Your brain uses glucose almost exclusively, and your muscles would rather use glucose than fat when you exercise. The reason is that metabolically, glucose burns up completely. The only substances left after your body produces energy with glucose are water and carbon dioxide. Your body doesn’t care what the source is–whether it’s white sugar or a starch that’s broken down into glucose. It treats them both the same when it comes to producing energy.

It’s true that you get better nutrients from eating whole grains, vegetables, and fruit than you get from sugar. But your body doesn’t care where you get energy.

The PROBLEM is the amount of sugar you take in-so if in doubt – don’t have sugar added – its so prevalent in all our processed foods anywayAnd we all have such a sweet tooth4 Walking is a great exercise because it burns more fat than running.

Walking is a great exercise, but…

This probably has something to do with what kind of fuel we use while exercising.

The muscles prefer glucose sugar as a fuel because it can burn it more efficiently than other fuels.

The harder you exercise, the more your body relies on sugar.

If you exercise slowly or less strenuously, the body shifts to burning more fat as a fuel. That’s the basis for fat-burning exercise: exercise slower and your body uses fat as a fuel.

However you’d have to invest so much more time in exercising slowly than if you go fast to make that all work outIt doesn’t mean that walking isn’t efficient and a great way to exercise–it is, but you’ll have to spend more time doing it than you will running or taking a spinning class.

It may be hours later, but you will burn up the fat and that’s a fact.

Related Article: Try Pure Forskolin Weight Loss Supplement: Shocking Results

5 Always eat several small meals rather than one or two large meals .

This has more to do with our environment and lack of physical activity than nutrition. Most of us aren’t really physically active. We drive to work, sit in meetings, talk on the phone, or sit in front of a computer all day; many factory workers sit as they work. Even a more physical job such as driving a truck may include lots of sitting. Then we drive home and sit in front of the television or the computer until it’s time for bed. Under those circumstances, several small meals to sustain blood sugar may be better than a single large meal at the beginning or end of the day.

Does it matter to the body? Not really, because our bodies can adapt to whatever we do on a regular basis. When it comes to attaining a normal body weight, it still comes down to calories: eat more than you need, whether in several small meals or one huge one, and you’re going to gain weight. Eat less with either pattern of eating, and you’ll lose weight.

Consider what works best for you to sustain your energy levels throughout the day, and that’s what you should do.

Whenever you eat, some calories are used to pay for cost of digesting and absorbing food; others are immediately used for energy.

Even if you’re sleeping, your brain is still hard at work, so is your heart. And they both need energy. But you will temporarily store some of the calories as carbohydrate in the form of glycogen and some as fat. And then depending on how much you are eating Quantity is the key here and when you eat again depends on how much of the fat and glycogen is used up.

If you eat when hungry and never to excess, it doesn’t matter when you eat.

It always matters what you eat, and how much.

What is true is that most overweight people eat most of their calories after 4 p.m.–but the problem’s not so much the time of day as the quantity they eat. When you’re tired and your resistance is low, it’s much harder to exert control.

The bottom line is this: a calorie is a calorie. It really doesn’t matter when you eat it. Eat too many and you gain weight. Eat too few and you lose weight.

Car Buying 101 – A View From The Inside

With 19 years in the auto sales business I have decided to share some insight to the managers side of the car deal. So many websites try to coach a car buyer with out knowing the whole story. I would like to help you understand some of the things that work and some of the things that don’t as well as enlighten automobile purchasers on some of the mistakes that can cost you money!

A VIEW FROM THE OUTSIDE I have recently left the retail side of the automotive business.  After almost 20 years in the industry I am now working for a great company that provides insight to auto dealerships and teaches them how to look at the market around them vs gut feelings on how to buy sell and merchandise vehicles.

What does this mean for my blog followers?  Maybe a little more information… but not much of a change.  You see, no matter what my job description is, I am still a sales manager.

I understand how people perceive sales people… hell… I even shy away from them when I’m not in my area of expertise.  That is actually what this conversation is about today.

I found myself laughing in my own head the other day at a grocery/everything store.  When I walked in the door the young man said welcome to “..”  can I point you in the right direction.  I of course said no instantly.  Reality was… I just needed to find a cake pan.  Now he could have saved me time if I wouldn’t have done the normal thing that we all do…. went into just looking mode and assumed anyone who is trying to sell us something is not there to help us but to help themselves.  You see… gut reaction is to say “just looking”. Of course your just looking when you go out to a car dealership… you don’t buy a car with out looking at it first.  But, we are all afraid to ask for help.. or guidance.  It shows weakness and allows the salesperson to have control!!!  Well guess what.  We have a new thing called the internet.  Prepare yourself before you arrive.  Do your homework.  And don’t be afraid to ask questions or ask for help.  Good salespeople are there to help and guide you in a purchase.  If they do a bad job and you don’t buy a car it was a waste of their time also.. and most of them are commission based.. so it really hurts them to suck at their job.  So give them your wants and needs when you explain what you are just looking for.  But don’t show up blind.  Look online, read reviews  do some research about the car and the dealership!

You may find yourself with no help and unanswered questions… like I did.. standing in the cake mix aisle… when I should have been on the other side of the store.. in the kitchen items… 20 minutes of my life I will never get back…

It surprises me how often customers come in to the car dealership and argue about the price of the car or the car payment and never look at the entire budget decision.

As an auto dealership, we are here to sell cars.  Most of our customers are very budget minded.  They tend to focus on the payment or even the amount financed.  So we try our best to negotiate a win win purchase.  But when a customer stops  the process based on a budget and the payment is within a few dollars, I am surprised at how little they have done to prepare the budget for the purchase.

There are 4 items I try to get my salespeople to look at in every purchase decision.

1) The monthly payment of the car.  This is the obvious (duh) portion of the budget.  The customer has a predetermined payment in their head before they even set foot on the car lot.  My favorite is when that payment is $200 a month and they start looking at $25,000 cars.  Quick math… $25,000 divided by $200 a month is 125 monthly payments!  That’s right!  If you had a zero percent interest rate and no sales tax, you would be paying on a car for over 10 years!  So please…. do some research (and math) before you go shopping.  There are plenty of great payment calculators out there on the internet that can show you the price range for your budgeted payment.  But also, notice that newer cars offer longer loan terms.  $200 a month may buy you a high mile $7000 older car on a shorter term (36 months) than $200 a month on a lower mile newer car that can go 72 months financing around  $13,000.

2)  What about your insurance?  When is the last time you shopped around for insurance?  That’s right!  Insurance is mostly commission based as much as car sales!  There are many agents that come to the dealerships offering gift cards for each customer sent to  them.  Why?  Because they are commission based and more referrals equals bigger pay checks!  So shop around!  But be smart!  Make sure the prices you are getting are for comparable coverage.  And I cant stress the importance of customer service.  The best service I have ever gotten was from a commission based agent… why?  Because his paycheck depends on his service!  It is his best sales tool.  But, if you can save $10 a month on insurance… that equals out to about $500 more for the car you want to purchase… now that sunroof model looks more affordable!

3)  Fuel savings.  If you are a sales professional you may already use this tool.  If gas is $3.00 a gallon and you have an SUV that gets 12 miles per gallon and you are considering a smaller SUV you may want to look at the savings.  If the newer more fuel efficient model is getting 24 miles per gallon you are spending half as much on gas.  If you are driving the average 12,000 miles per year thats $1500 a year in fuel savings.  That frees up an additional $125 a month in payment.  Now… most of the time there is not that much of a swing… but even if its half?  Now were talking!

4) This one is a real surprise to me.  It has become more researched by consumers in the past few years and that’s a great thing!  INTEREST rate!  Depending on the size of your loan, this could save you $5 $10 maybe even $20 a month.  Get pre-qualified for your own good!  Visit your credit union.  Get an approval and print it off.  Take it with you.  Tell the salesperson while you are negotiating that you are pre-approved and ask them to give you a better offer to earn your financing.  They want your financing!  We are signed up with numerous credit unions to work on their behalf.  They pay us for the contract!  We make you a member at the dealership and give you the same rate as they would give you at the credit union branch.  So give us a chance to match or beat the rate you have. It can only benefit you.  But you need to have a starting point.  And please understand… get pre-approved!   Don’t walk in to your bank and ask what the best rate is and come tell us.  We know most of the rates.  And they are usually short term loans. Bring in the letter and use it as a bargaining chip.

If you use this advice you may be able to  upgrade  to a nicer car… or just save yourself some money that you could apply toward your other debt!  But don’t go in so  stubborn about your budget that you miss out on a really good deal.  Get your ducks in a row and make the right decision!  Just a shout out to my friends over at GreenCash4Cars who have been paying the most cash for cars in Anaheim, California & surrounding Orange County areas for nearly 30 years.

Constructing A DIY Wooden Fence

wood fence plansFinding wood fence plans that can withstand the forces of nature can be a daunting task. It is really a difficult task to come up with wood fence plans that can last for years while being able to withstand all sorts of weather conditions since it will be installed outdoors. What’s more, it should also keep its natural beauty intact regardless of what nature throws at it. Considering all these factors can be pretty overwhelming but this doesn’t mean that you won’t be able to find wood fence plans that fit these needs perfectly. What you need is to carefully think of what wood fence plans should you consider to get the best fence there is in the whole neighborhood.

When coming up with wood fence plans the first thing you should think of is to create a fence design that will last for a long time. During the conceptualization of your wood fence plans you should also consider outside factors such as the UV rays coming from the sun, the moisture coming from the ground and other environmental factors too. If you are going to make customized wood fence plans, you should focus on what weather conditions can cause damage to your fence and how best to prevent it.

You can begin your wood fence plans by taking the heat and sun into consideration. Since you are planning on having a wood fence on your property you should look for materials that can withstand constant exposure to the sun’s rays as well as the heat. There are some wood stains that offer better protection against UV rays. There are some homeowners who find that wood fence plans are not suitable for their area that’s why they invest more on fences that are made from iron or aluminum instead. The good news for those who are on a budget but would like to have a sturdy fence on their property, there are wholesale aluminum fence kits being sold today that can fit your budget.

Another environmental factor you need to consider for your wood fence plans is snow and rain. Wood is always prone to warping, bending and breaking when constantly exposed to water or moisture. Think about the condition of your wood fence when you combine heat, with moisture and water. Your wood fence won’t stand a chance! However, don’t panic. There are still wood stains available today that you can include in your wood fence plans to help strengthen your wooden fence. Applying stain to your wood can help create a barrier against moisture and water so your fence posts can last longer.

Wood fence plans should be crafted with the goal of having a wood fence that can provide you not just beauty but security and privacy too. You can seek advice from your local fence contractor to determine what type of wood fence plans will be applicable to your area. Ask if they will provide free estimates for your wood fence plans and what other services they can offer you in terms of fencing.

Make a Complete Fence with Wood Fence Plans

There are many types of privacy fences available today not just those that are made from wood. There are those that make use of electric gates on their property with matching security pad to make their place inaccessible to everyone except to those who are living on the property. If you are still interested in wood fence plans make sure that you take into account the factors mentioned above so you can come up with the best plan for your own fence. Taking the time with your wood fence plans can help you plan the perfect wooden fence that can withstand all kinds of weather conditions while still providing you with appeal, privacy and security as well.

If you want to bring your wood fence plans to life, make it a point to consider whether or not you will need the assistance of an expert. For DIY homeowners, you can always enlist the aid of your family and friends so you can finish the task easily. There are many wood fence plans that you can consider when building a perimeter fence on your property. Just make sure that the wood fence plans you will be getting are suitable for your location..

I have been working in the home repair industry my whole life as well as doing professional fence repair in oceanside, california. I want to share my expertise in fence repair and more. I hope my free DIY guides will help you and if you have any questions please feel free to ask.

Report ID Theft – Identity Theft Report

thumbprint identity theftIdentity theft is a serious crime that costs individuals and organizations almost $40,000,000,000 dollars each year. It is a Federal crime in the United States and it involves the act by a perpetrator in stealing someone’s name along with their personal information so as to benefit from the victim’s financial assets and creditworthiness. If you suspect or know that you are the victim of identity theft, then prompt action is necessary to thwart any further destructive attempts by the perpetrator from causing even more damage to your finances and identity. Here is a quick guide to give you information as to what to do when identity theft happens to you. You may also want to consult our Identity Theft Resources page.

Recognize When ID Theft Happens

There are certain key indicators that you have become a victim of identity theft. The most obvious indicator of this crime is when you cannot explain certain purchases and withdrawals on your credit card statement or bank accounts. Other ways to tell are when there are strange accounts recently opened on your credit report, a denial of a loan you’ve applied for due to poor credit even though you pay your bills on time, or you start receiving bills in the mail that you do not recognize. Then there are the long-range indicators that you are a victim of identity theft. For example, you notice that you have not been receiving certain statements from your bank and credit card companies for quite some time. Even worse, you start getting calls from debt collectors about delinquencies you know nothing about. In the latter case, calls from collection agencies mean that the creditor has written you off and sold the debt. Usually a minimum of 120 days passes before this happens, so it becomes obvious that there has been a lot of damage done to your credit and identity during that span. The easiest way to be alerted about potential identity theft issues is through an identity protection or credit monitoring service.  For a list of the top services read  These daily alerts will let you know if your credit files have changed, so you can investigate potential problems quickly

Maintain a Log

Under identity theft recovery laws, there is the potential for you to be able to be recompensed for your time in recovering from identity theft. To establish the time that you are taking in writing letters, calling your account holders, and all the other chores that have to be completed to help recover your identity, you’ll find that a log book is quite helpful. Simply log in the task that you completed, what day you completed it on, and how much time it took you to complete it.

Contact the Credit Reporting Bureaus

The three credit reporting bureaus are Experian, Transunion, and Equifax. Upon your request, simply contact one of them and they can put a fraud alert on your credit report so that no credit will be extended when an application is made in your name without first contacting you personally. By default, a fraud alert placed on your credit report is good for 90 days; however, you can have it remain in effect for up to seven years if you have a confirmed case of identity theft with an open police report. If you are on active duty in the military, you can place a fraud alert on your credit report for up to a year. It’s free to do, and it’s also free to take off, and all it takes is a letter or phone call from you.

Check Your Credit Report

It’s important to be vigilant in checking out what your credit report says. When you place a fraud alert with one of the credit reporting agencies, you qualify for a free credit report from each one. Look through these reports very closely and check to see if all the accounts are ones that you recognize. It can be helpful to pull out an account history from your files if you have one to help check payment histories and any accounts you don’t recognize right away for authenticity.

You can also get a free credit report every 12 months by simply writing each credit bureau and requesting one. You can also do this online if you wish or by calling 1-877-322-8228.

File a Complaint with the FTC

This is an important step if you want the criminals who stole your identity caught. When you file a complaint with the Federal Trade Commission (FTC), that complaint is then put into a database that is shared with law enforcement agencies so that identity theft can be effectively prosecuted.

You’ll want to gather up as much information about the identity theft incident that you can as the more information you have in the complaint about the theft, the more likely law enforcement agencies will be able to catch those who are responsible. You’re not required to file a complaint with the FTC… but filing a complaint is helpful when it comes to stopping the crime of identity theft in the future.

File an Identity Theft Affidavit with the IRS

If you believe that your tax records have been affected or will be affected in the future by identity theft, you will need to file Form 14039 with the IRS. Actually, you can file this form even if you have lost your wallet and are concerned that you may “potentially” become a victim of identity theft. It’s a short one page form that you can print, fill out, and mail or fax to the IRS with a copy of your passport, driver’s license , Social Security card, or other valid U.S. Federal or State government issued identification.

Some agencies you will be contacting in a later step may take an Identity Theft Affidavit as a means of notification to begin the remedy process, while others may have their own affidavit that you will need to fill out. Contact each company to see what their individual policies are.

File a Police Report

Filing a police report with your local authorities helps you to be able to:

  • get fraud alerts placed on your credit report
  • obtain credit report remedies for free so that no one can view your credit report or use the information in it without your permission
  • allow you to be able to access the insurance policy on your selected identity theft protection plan.

This report is essentially your identity theft report. You will need the information that you collected for your affidavit to create this report, but once you do, you’ve got a powerful document that can help you to start eliminating fraudulent charges, negating false negative items on your credit record, and access powerful prevention tools to stop identity thieves from striking again.

Dispute Fraudulent Items on Your Accounts

If you suspect identity theft has happened to you, notify the authorities or your identity protection agency immediately!

After you have reviewed your financial records, including your credit reports, for fraudulent activity, you’ll want to then dispute those charges that aren’t yours. An effective means of doing this is to write a letter to each financial insitution for every fraudulent charge found. Each dispute process is different for each organization, so be sure to find the correct process for each account you hold.

You must do this within 60 business days of the statement with the fraudulent charges being received. A great way to start is to contact the fraud departments of each account to notify them that you are writing dispute letters because you have become the victim of identity theft.

Notify Your Creditors and Financial Institutions

Make sure you change any passwords and PIN numbers to online accounts you have as well. It’s a good idea to have contact information for all of your creditors in one place so that you can reach them quickly and efficiently if you need to do so. In addition, this is a good place to have fraud alerts placed with individual account holders if possible, to put stops on accounts, or to even close accounts if it becomes necessary to do so in your opinion.

Place a Credit Freeze on Your Credit Report

If you place a credit freeze on your credit report, you are not allowing anyone – including yourself – access to the information that your credit report contains. When a lender doesn’t have access to this information, it is much less likely a new line of credit or a new account will be opened for an identity thief. An open police report allows you to have a credit freeze placed on your account for free, but if you just suspect identity theft and want to protect your credit, there may be a small fee. Fees are determined by the state in which you reside. A credit freeze is not updated to all of the credit reporting agencies as a fraud report is, so you will need to contact all three credit bureaus to have a credit freeze placed on each credit report.

Continue to Monitor your credit

Since you now know what to look for when someone is stealing your identity, continue to look for the telltale signs of this. Pay close attention to your mail and make sure you are receiving what you are supposed to. Look for credit cards in the mail that you did not apply for and continue to check your credit report. Hopefully, the perpetrator will get caught but you more than likely will have to build your defenses first.

It’s a Lot of Work!

There is a lot involved in the protection of your identity. A lot of it entails you being vigilant, being smart with your identifying information, and being proactive in preventing identity thieves from being able to find a weak spot. If you are not able to check your credit report on a regular basis or you just don’t have the time to get all of the recovery steps done on your own, then you should consider paying a small monthly fee for professional identity theft protection services today. That way you won’t ever have to have a sleepless night worrying about your finances ever again.

How To Buy An Awesome Vacuum Cleaner For Hardwood Floors

Not all types of vacuum cleaners are ideal for hardwood floors. No company has created yet a technology that can bring all technologies together when it comes to vacuums. If ever there were, it would have totally ripped off everyone’s money. Nonetheless, we have excellent machines to do the work intended for them to do, and you don’t want to get one not for hardwood floors.

Here’s a basic test for getting the right vacuum cleaner for your wooden floor: no to beater/rotator brushes. This is because they are made of hard, thick bristles that can scrape or cause more serious damage to the floor. However, there are vacuums that feature on/off button for the brush.

Best Bagless Vacuum Cleaner for Hardwood Floors in 2015

Bagless vacuum cleaners have numerous advantages. One is that you can save a lot of money by not needing to buy vacuum bags anymore. All you have to do is to remove the dirt chamber when it gets full. Our most recommended bagless vacuum cleaner for hardwood floors is the Hoover FloorMate Deluxe Hard Floor Cleaner, FH40160PC , which is designed to clean thoroughly yet gently and safely scrub sealed harwood. The most raved about feature of this vacuum is its SpinScrub Brushes that clean different types of floor: sealed wood, vinyl, tile and grout. The brushes are removal, too, for easy cleaning. Moreover, you can wet your hardwood floor and let the brushes do their work. The vacuum has Dual Tank Technology that separate tanks for clean and dirty water. With all these features inside the machine, it’s quite surprising that the motor is so quiet!

Vacuum Cleaner for Hardwood Floors Under $100

There’s a reason the Eureka 3670G Mighty Mite Canister Vacuum is one of the best sellers for canister vacuum cleaners in the market today. It’s cheap in price but not in quality. It’s multi-purpose as it cleans both home and auto. It is small, but the job it does isn’t a small fit. It is actually very ideal for small apartments. Its maneuverability is appreciated by many as it can be easily moved around tight spaces. It’s compact and lightweight that moving it around the home and storing it isn’t too hard. Most of all, it works well for hardwood floor.

Best Stick Vacuum Cleaner for Hardwood Floors

The Hoover Linx Cordless Stick Vacuum Cleaner, BH50010 is both cordless and bagless; talk about being highly convenient. More than that is its WindTunnel technology and cyclonic filtration which allow the machine to remove the deepest dirt from your floor or carpets. It also has on/off button for the motorized power brush so you can switch from carpet to hardwood floor without damaging it. You don’t have to worry about the battery, too, for this machine’s battery life can last long enough to clean an entire floor.

Best Canister Vacuum Cleaner for Hardwood Floors

If you’re looking for value for your hard-earned money, the Dyson DC39 Origin Canister Vacuum hasn’t failed anyone yet. First of all, it’s lightweight despite its big size without losing its suction power. In fact, customers rave so much about its excellent suction power and even its maneuverability. It doesn’t only work well on hardwood floor, but also on wall-to-wall carpets. Thanks to its Triggerhead tool, you don’t need to bend down to adjust the brush between surface types. If you’re not ready to spend the money on a hardwood floor vacuum, consider buying the best broom for hardwood floors that you can afford.  They get the job done at a fraction of the cost.

Polk Audio Atrium 45 All-Weather Speakers

Want to take great Polk Audio speaker sound outdoors? Check out the indoor/outdoor 80-watt Atrium 45s. The stainless steel and brass hardware is completely rustproof, as are the aluminum brackets that allow multiple mounting options and full 90-degree rotation: aim them to deliver the best possible sound in a variety of locations. The rustproof aluminum grilles have 55 percent open area for superior sound quality. Most importantly, the Atrium 45s rugged, weatherproof, design meets or exceeds several military specifications for water, wind, salt, and corrosion.

Inside the completely sealed enclosure is a 4.5-inch Dynamic Balance mineral-filled polymer driver with butyl rubber suspension for pumping out amazing bass, while its .75-inch soft dome tweeter with neodymium magnet broadly distributes high frequencies to cover a large area with high fidelity sound. Polk’s Dynamic Balance technology produces flat frequency response, sharp detail, transparency and an ability to play program material with wide dynamic range at life-like volume levels without a hint of strain. The sound is always clean, clear, and effortless. The sculpted front baffle and rounded enclosure minimizes diffraction (sound reflecting off of hard edges) for more open and lifelike imaging.

Connect them to an amplifier or receiver using the set’s gold-plated five-way speaker-level binding posts. The Atrium 45s are also voice-matched to Polk’s RTi speakers, and therefore make great surrounds in a complete Polk home theater system with the ability to handle up to 80 watts per channel.

What’s in the Box

Pair, Atrium 45 speakers (black), mounting brackets, manual, 2-year parts and labor warranty.

Product Details

Pair of all weather outdoor speakers with mounting brackets
4.5-inch long-throw polymer cone driver with butyl rubber suspension
Built-in bracket allows multiple mounting options and full 90-degree rotation
Handles up to 80 watts per channel
Gold plated 5-way binding post speaker-level inputsVideo ReviewsNo video reviews found for this product.

Customer Reviews

Surprisingly good speakers for an outdoor space

I bought a pair of these a couple of years ago from Crutchfield for just under $200. We had a back porch with outdoor fireplace built onto the house and wanted to have music without having to use a portable stereo boombox. I had some unused stereo equipment available so I ran some long lengths of speaker cable from the den to the roof beam of the porch. I started out trying to utilize a pair of small bookshelf speakers I had on hand but they sounded dreadful out there. I went shopping for some “made-for-the-outside” speakers and the Polks looked like they would fit the bill.

I wasn’t expecting much from these speakers, in all honesty. Trying to get good sound in such an open place was not something I thought to be possible. I was wrong.
These are great little speakers and they put out a lot of sound for their size. The backyard in a city residential area is not the place to listen to the dynamic range in symphonies or operas, but popular music comes across extremely well. Despite the small woofer, there’s a good deal of bass reproduction here. For more bass, Polk makes some larger outdoor speakers but the 45’s are less obtrusive than larger speakers would be for my application.

I have the speakers mounted under the shelter of the porch roof so I can’t comment on how weather-proof they are for the long run. They have survived two years of some record high temperatures, some below-freezing temperatures and a lot of extreme humidity without a problem. If you mount them in the sun and the rain and the snow, I’m sure they will have a shorter life.
I highly recommend these speakers if you have an outdoor-living space where you would like to listen to music.

Polk Outdoor Speakers

Review Date: April 1, 2007Reviewer: H. Lopez, United States

I installed my Polk Speakers this afternoon in my patio. I could not be more pleased as they have an exceptional tone. The sound coming out of these speakers is just awesome. I started playing some music, turned up the volume and the wife asked me to dance. Geez….
So guys, get ready to shake a leg after you install these babies.
I’m glad to have made this choice!