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Webucation is a relatively new word, coined from the combination of the words web and education. Many people have previously referred to any form of education via the web as e-education or education (eed u k’ shun), however, the new term webucation just might catch on. Regardless of what you call it, accelerated learning and continuing education via the scope of the internet makes good sense for a great many people.Why the need? People are finally starting to realize that their high school education or even 4-year college degree is simply not sufficient anymore to prepare them for beneficial employment in the fast-changing world in which we live. Employers are looking for specific skills and the ability to quickly adapt to changes in the workplace. Those persons who can meet these employer needs are challenged with the opportunity to grow with their company through both existing and coming tumultuous times. Those who do not embrace change, new technology and employer needs will simply be left behind. The need for continuing education and learning faster has never been more relevant or important than it is right now.Obviously, the workplace in our economy is the motivator for the realization of these facts, but exactly who is actually driving this? It appears that it is the college-educated professional who is realizing her need for updated, improved or new skills relevant to their workplace experiences and requirements. Change is accelerating around us, creating both exciting opportunity and dire dread for many people. Those who embrace change and seek to fortify or improve upon their skill-sets through webucation will certainly experience less stress and greater fulfillment than those who simply watch as all of this change happens around them. The less-educated generally miss the fact that it is their lack of currently relevant, specific skills in a changing market than is hindering them.Accelerated learning, or learning for profit as I prefer to call it, is the skill most often lacking in both the college educated and lesser educated individuals. The books, programs, courses, CD’s and other educational materials are out there for the taking, or learning in this case. Those persons who have assessed their current position and future prospects for continued employability, will typically familiarize themselves with these learning resources and will often select one or more in an effort to improve their skills. What is missing from the equation is the speed at which they learn this new material. The faster you can learn a new skill and apply it to your profession, the quicker you will begin to improve your earnings and financial position. Learning faster then, is not an option, but mandatory in order to get ahead.All is not lost for persons without a college education, for there are many examples of highly intelligent people without degrees who are extremely successful. Do not, however, make the mistake of equating the lack of a formal degree with a lack of education. Most entrepreneurs have a great deal of education, usually achieved through self-motivation, perseverance, tenacity and a sense of drive and ambition. They make it a point to become experts in their field of endeavor. These self-taught individuals have a real sense of urgency and insatiably seek out the knowledge needed for their success.Whether or not you have a college degree, a high school diploma or a self-education, the need for learning faster, that is, learning for profit, will become more evident as you proceed in life. Embrace webucation as an exciting concept and available resource that is growing quickly around you. There are no excuses for not learning. There are however, abundant means to get ahead, but you must act quickly and persevere in your education first.

Copyright, in its simplest term, refers to the rights bestowed through legislation to protect an individual or business from their work being unlawfully replicated. They bestow rights to the owner in relation to specific activities surrounding the use and communication of copyrighted material. To satisfy the eligibility criteria of being awarded a copyright, several conditions must be satisfied, including that the ‘work’ must fit into one of the set categories of copyrightable materials; it must be original; the individual(s) or businesses charged with creating must be qualified to do so; and the ‘work’ must be in some type of written form for verification processes. Copyright law covers a wide range of categories, including literary, musical, dramatic and artistic works; musical works and broadcasts; goods, services, business processes, brands and the like.

Of increasing importance in today’s knowledgeable economy is protecting your own and your business’s intellectual property (IP). New Zealand is party to the international TRIPS Agreement, which is a specific legislation relating to trade related aspects of intellectual property rights. The internet, and its ability to spread and disseminate information at ever increasing rates, and with increasing ease of access, has created an environment where protecting IP has never been so vital. The risk of releasing new ideas, products or designs without the proper intellectual property registration can result in infringements of existing copyright patents. In New Zealand, violating IP laws may result in large monetary demands to resolve the situation, while additional losses may be experienced in relation to the advertising and marketing activities surrounding the product or brand promotion. Furthermore, with the correct intellectual property protection in place, there is the risk that some other organisation may copy the idea, repackage the product or design, and earn market share and revenue from your work.

It is strongly recommended that thorough searches are conducted through patent and copyright databases prior to commitment of resources to develop and protect IP. This is to ensure that the concept being developed does not infringe on any current patents, as well as provide valuable information in relation to similar or competing ideas. This knowledge is then utilised to further develop the concept, idea or product to better satisfy the market being targeted and differentiate the concept to not only develop a unique selling proposition, but to differentiate the concept from other patented intellectual property.

This process can be time consuming, with those not familiar with New Zealand IP law and the tools to search for existing patents, running the risk of not accessing complete knowledge on the numbers and types of current copyrights which relate to the concept in question. The best way forward is to utilise a reputable and professional company which specialises in copyright applications. This will ensure that your intellectual remains under your ownership, while avoiding any expensive litigation which may result from copyright violations.

Energy Star

Refrigerators and Energy Savings

The Energy Star

program brought new life to refrigerator design and to reducing energy consumption. As one of the major appliances in our homes, the refrigerator is also one of the major electrical consumers. To succeed at making our homes energy efficient, with lower power bills and less carbon footprint, we need to evaluate our refrigerators and make sure they are part of the conservation solution and not part of the energy hog community.

Everything is sailing along smooth, ice cream is frozen, butter firm, lettuce crisp, it’s all good. Some things in life we take for granted. Things like the car starting, the furnace firing up, and the refrigerator keeping our food fresh and safe. With the refrigerator, we reach for a bottle of pop or a little mayonnaise without really even seeing our old friend. The refrigerator is just there, always there, like a rock.

The refrigerator melds into our lives as we take everything this cooling appliance does for us for granted. The only time this handy and needed appliance is noticed is when it goes on strike and we end up getting soggy leftovers and melted popsicles.

I’ve had my fill of refrigerators for awhile. Three in one day, that’s a record for me. The usual concern of the homeowner is that the food is not being kept cold enough and in every case, they’re right. The temperature in the freezer compartment can be cold enough, but the temperature in the refrigerator too warm. Seems that the cold air is not getting from the freezer compartment to the refrigerator below. Probably have a fan or fan switch not working and that adds up to balmy temperatures down under.

So, who calls the repairman and who heads for the appliance store for a new one?

Repair or Buy New?

I know what the little women is saying about now, “I’ve always wanted a new refrigerator.” and the husbands response, “Hey, they’re expensive and we just spent $3,400 on the riding lawn mower.”

Here’s my advice, based on energy efficiency and household power conservation, if the refrigerator is 10 years old or more, replace it. If it is less than 10 years old and has an Energy Star

sticker, repair it for $90.

How old is my refrigerator?

Not sure why the appliance industry feels the need to put the manufacture date in secret code. Perhaps this habit started during WWII and has gone unchanged to this day. No, really. The more refrigerators manufactured during the war would be an indication of how many tanks were being made. The more manpower and material that was directed towards refrigerators would be an indication of the number of tanks on production lines. The more refrigerators, less tanks. Information the Gastopo would find valuable.

You will need to search inside your refrigerator for the sticker that contains the model and serial numbers. It is usually a white sticker about 1.5 inches by 3 inches in size. If no one has removed it over the years, it has to be there someplace. If the manufactured date is not written in plan letters and numbers on the sticker, then you will need to move to the CIA department.

Anyway, the manufactured date is hidden “in code” as part of the serial number. The code tends to start over every 10 years, so you may only be able to determine the age of your refrigerator within a ten year window and only if it is newer than 1970. If it was constructed before 1970 and it is still keeping the pickles cold, don’t mess with it, just throw it a party, give it a trophy, and cross your fingers.

Getting a car can be stressful, especially when you are short of funds. Auto loan financing makes it possible for you to get the car you want, when you want it. There are so many options in today’s finance world. Going online for financing is a great way to get a good deal and the money you need quickly. The process of getting a loan for a car is simplified online. Competition online is fierce. If you are looking for the lowest rate, this is the place. Auto finance websites are gathering places for lenders. The websites help you to find the best loan for you. Even with less than perfect credit, there is a loan that will fit your needs.

Very few people have the money to buy a car with cash. Auto loan financing can help you get the transportation you need even if you don’t have the money for it. The first step is to examine your finances to find out how much of a monthly payment your budget can handle. When you are ready to find auto loan financing, shop around. Great deals can be found everywhere if you take the time to look for them. Online lenders offer great deals not found anywhere else. Applying online is easy too. Simply fill out the application and most online lenders will make a decision in a less than an hour.

When you are looking at auto loan financing online, assume a position of power. You are the consumer, without you lenders cease to be. Remember that as you shop around and negotiate for a loan. Auto loan financing online lending is the place for you if you are looking for the best deal. Low interest rates and waived or decreased fees are available if you know what to look for. Online applications for auto loan financing are simple to fill out and many sites let you know if you are approved in minutes. You simply download a blank check and take it to the dealership. Some restrictions apply to auto loan financing. You may be limited on the collateral you can purchase or the dealership where you can shop.

Auto loan financing also includes refinancing. If you are in a loan with a high interest rate and are ready to get a lower one, or if you just want to save money every month with current low rates; now is the time. Refinancing your car can offer other benefits as well. A longer term may further lower your payments. Special services like gap insurance coverage or mechanical breakdown coverage. Some restrictions will apply like the age of your vehicle, mileage, and amount due on your current loan. A refinance can save you thousands of dollars per year.

You can find answers to all of your auto loan financing questions online at OpenRoad Lending. There you will find useful tools to help with your car purchase and a helpful car loan calculator to help determine those monthly payments.

So you are thinking of getting some extra money to make some urgent home repairs, the porch door needs replacing, along with a new hot water system. Unfortunately you do not have the money in the bank, but neither do you have a secure porch door or any constant hot water.

Have you considered personal loans? A lot of people take out personal loans for this type of repair. Car repairs and even holidays are used by people with their newly acquired finances. Most people have heard that a poor credit score is not a good thing (However even those that have a poor financial history can still get loans). But how do you make a good rating?

One of thing major pieces of advice from experts, before you apply for finance it is best to get a credit report completed from a reputable source. This will give you an idea of the chance of getting your application approved. In the United States of America there are three levels of credit rating, basically the higher it is the better it is.

An excellent rating is above 760, a good rating would be between 700 and 759 and a poor rating would be between 640 to 699. if you are at the top end, 760 and above then there is no point in making your rating any better. However with other ratings it is worth trying to improve as it will help your chances of succeeding in the application.

There does seem to be a bit of a chicken and egg situation sometimes, you need finance but have a poor score,but to improve you need a lender to give you a chance. Well, luckily there are things that you and your family if you have one, can do to improve your rating.

Having a poor rating does not mean you have to be stuck with it, starting to pay the bills on time instead of late or not at all will start to get you on the right path. Some lenders will still give applicants loans even with a low score, but the total given will be lower than usually and the percentage rate will be considerably higher. So you will pay more over the period of the finance.

Families can help too. If a member of your family has a good rating then some credit card companies can add you to that family members credit card as an authorized user, this will help with any poor credit score. Also having a family member with a good rating co-sign the loan could help you get what you need.

Finding the correct lender for your score is a good way to make sure that you are getting what you deserve, if you have a high score you deserve some of the best deals on the market. Instead of going to your bank or card company you can go online and search for a matching company. Companies like this are a good place go to make sure you achieve the best deal.

What are a matching company and what do they do? You enter your details on their online program and your information will be fed to several of their approved lenders, in turn the lenders will then return to the matching company with a list of loans that they are able to offer.

Once the offers come back it is then up to the applicant to choose one and complete all the necessary paperwork. A check will then be received within a matter of days and your new boiler and door fitted soon after.

Everyone is busy. Busy in shopping online and in the malls. Popular online portals are breaking and making new sale records! All thanks to the convenience and the availability of easy payment options and funds!

Here are few of the factors that are making online businesses a success

Credit Cards: A credit card is plastic money. It is one of the easiest form in which a person gets a personal loan.

All online portals as well as retailers in malls accept credit cards issued by various banks.
Online payment becomes very simple and safe, thanks to the one time passwords generated for such transactions.
A PIN is sufficient for shopping using a credit card at any retail store.

Personal loans for shopping: When we apply for a personal loan, we don’t have to provide the financier with the details of what we want the loan for.

Thus these days’ personal loans are being used to finance shopping.
They can also be used as wedding loans, vacation loans and educational loans.

Payment Processing: As far as payment processing is concerned, the following factors matter to both the consumer and the online retailer.

Uncomplicated manoeuvring on website: It is important for the payment process to be step-by-step and easy to understand. Most websites work on this section very carefully and thus the online shopping experience is satisfactory.

Processing Costs: Processing costs matter to the retailers. More the processing fees they have to pay to providers of payment gateways like Visa, the lesser are their margins. So to have an effective business the processing costs need to be low.
Number of payment options: Multiple payment options should be available for the customer to make payment. This makes the shopping a convenient proposition.
Time taken to process transactions: Processing time not only tests your patience but sometimes also the strength of your internet connection!

Cash on Delivery: This is also known as “collection on delivery.” This is a very popular mode of making payments for shopping in the developing world.

It enhances impulse purchases.
A credit card is not an essential possession for the buyer.
The buyer can check the quality of the product and then pay

So this festive season, do not hesitate to shop and to gift! The availability of funds for shopping is not difficult anymore. Also the convenience of online shopping has brought various retailers to our doorstep. So let us shop all the way!

An easy way of shopping is using a credit card. It forms an integral part of most people’s financial planning. When used in the right manner, it helps reduce financial liability and optimizes financial resources.

While the rise of online lending in itself makes it more convenient for people to apply for finance, is this development a good thing for those who are already struggling? There are companies out there who charge expensive annual percentage rates (APRs), leaving many people in more trouble than when they first started.

But it doesn’t have to be this way. Over the last few years, online lending has earned itself a bad reputation. The internet leaves many people vulnerable to fraud, so you should always exercise caution when inputting your financial details. The best way to make sure your information remains safe is to find a secure, reliable lending platform.

There is an unfair irony attached to lending today. Those with bad credit are often led to believe they have no financial options if they have made mistakes in the past, often making their situations seem more desperate than they actually are. This can result in people making bad decisions and can lead to borrowing through unstable sources.

Meanwhile, any lenders that do accept you with bad credit will charge extortionate interest rates because of your history, making it more difficult for you to meet your monthly repayment obligations – thus worsening your situation. This is a trap that many people fall into, and it gives online installment lenders a bad name.

However, this doesn’t need to be the case. If you can find yourself a reliable lending platform, you will be connected to a secure network of trustworthy lenders who can offer sensible solutions to your borrowing needs. Many of these lenders will assess your application, even if your credit file isn’t perfect or your income is lower than average.

Instead of (or in some cases, as well as) running credit checks, these lenders will take other factors into consideration, including your income and employment circumstances, and how long you have lived at your current address. They may even ask for references they can contact who will vouch for your character personally.

Even those who receive benefits as a form of income will be able to apply, giving everyone a fair and carefully considered chance of borrowing money. In these cases, applicants won’t be accepted for higher loans than they can afford to pay back, and interest rates will be low, meaning there is a better chance of managing repayments.

If you have poor credit and need to borrow money, consider a personal installment loan, but make sure the APR is advertised between 5.99% and 35.99%. There should also be a number of options in terms of flexible repayment, offering you the chance to pay the money back anywhere between six months and six years, depending on what you can afford to pay per month.

Small, carefully considered personal loans could actually help you build a financial profile making you eligible for better future borrowing. As long as the lender is responsible, and offers reasonable interest rates, online lending platforms can actually give people with more opportunities than many other lenders in terms of improving their situation.

With this in mind, personal loans can be beneficial to those hoping to improve their credit score, but only if some caution is exercised by both parties, and you only apply to borrow an amount you can afford to pay back.

Don’t you wish personal finance were a mandatory course in college? Unfortunately, too many of us learn by mistake. When you need a personal loan and are rejected, you might be baffled as to what went wrong- and how to fix it. Here are some clues.

NO CREDIT

No credit is a situation where you have never used credit and therefore have no credit history for the bank to review. They have no way of making an educated decision on whether or not you will pay back a personal loan based on your credit history. No credit is worse than bad credit. Qualifying for and making regular payments on these types of introductory forms of credit can overcome a “no credit” score:

· Student Loans

· Secured credit card (includes a down payment amount)

· Being added to a parent’s or spouses good credit: card, car loan, etc.

LOW CREDIT

Low credit takes on several forms. If you’re using more than 30% of your allowable debt, it can negatively impact your score. Too many inquiries from shopping around for loans will also hit you hard. Lapses in payment, defaults, or bankruptcies are giant red flags and can take a long time to rebuild from.

Other things that lenders may look at are whether or not you have sizeable assets should you default on the loan. They also check to see if your debts are diversified or if you are only carrying one type of debt.

INCOME

Proof of income is generally required when applying for a personal loan. If you are unemployed or underemployed, it can work against you in the loan approval process. Lenders may also require a work history to see how long you have been with your current employer, and to determine if you typically have job stability. Frequent job loss or change will tell a creditor that your payments may not be reliable.

PURPOSE OF THE LOAN

Believe it or not, your application can be rejected due to your proposed purpose for the loan. Financial institutions have the right to set up the parameters surrounding their disbursements and can accept or reject your application based on what you want to use the money for.

BLACKLISTING

If you’ve defaulted on debt before, your name may be put on a list of whom not to loan to,’ also known as a “Blacklist.” This will follow you around for a long time and is difficult to erase. If you do resolve the debt issues, get documents to prove the resolution.

When it comes to a personal loan, you have to first learn to use it responsibly. Because if you miss a repayment, your credit score will be impacted adversely. And remember, that a credit score is an indicator of how well you manage your personal finances. Also, it plays a defining role when you apply for any kind of loan – secured and unsecured. It is suggested to apply for a loan slightly larger than what is needed so that you will be assured to have enough money to pay all bills necessary and still have some money left over to ensure that your bank account stays current.

A credit score can be defined as a number which reflects the financial situation of a person. If the person is well-off when it comes to financial matters, then he or she is said to have a high credit score. On the other hand, if a person is the exact opposite of this, then they possess a low credit score. There are a lot of factors that are considered by financial institutions for the purpose of evaluating a person’s credit score – usually, the credit scores of people vary from 300 to about 850.

A personal loan is a type of loan that is given by digital lenders, banks and credit unions to aid you in your plans, be it starting a small business, or making a big purchase. Personal loans tend to have an interest rate(s) lower than the credit cards; however, they can also be put to use for combining several credit card debts together into one monthly lower-cost payment.

Now, your credit score is built by keeping in mind various parameters from your credit reports. These reports serve the purpose of trailing your history of utilization of the credit across the duration of seven years. These credit reports are comprised of information, including how much credit you have utilized to date, the type of credit in your possession, the age of one’s credit accounts, whether one has put in for bankruptcy or liens filed against them, actions of debt collections taken against them, one’s total open lines of credit as well as recent inquiries for hard credit.

Like any other type of credit, personal loans are very capable of affecting your credit score. This can be done through the process of applying and withdrawing a personal loan. If you are curious as to how personal loans can end up affecting your credit, then read on to find out more about the context. There are many ways in which your credit can be affected by personal loans and some of them are listed below:

The ratio of your debt-to-income and loan

Debt-to-income ratio is considered to be the measure of your amount of income that you spend on the debt repayments. In the case of lenders, the amount of income that you receive is said to be one of the major factors proving that you are able to repay your loan.

Some of the lenders have come up with their own debt-to-income ratio so that their proprietary credit scores may make use of it in the form of a credit consideration. Do not fall into the kind of mindset that possessing a high amount of a loan would hurt your credit. The most damage it can do is raise the ratio of your debt-to-income so that you won’t be able to apply for loans anymore without it getting rejected or denied.

Paying loans on time will make credit scores soar

The moment your loan is approved, you have to make sure that you settle the payments of each month on time and in full. Delay in repayment may significantly impact the state of your credit score. However, on the other hand, if you make the payments on time every month, then your credit score will soar high, leading to an overall good score. This will not only make your name to the preferred borrower’s list, but it will prove to be beneficial for you in the long run.

Since your payment history is comprised of almost 35% of your credit score, paying loans on time is essential in cases like these so that your credit score can maintain a positive status.

Variety is built into your credit type

There are about five factors that are responsible for determining your credit score. These are composed of the payment history, the length of the credit history, the utilization ratio of the credit, the credit mix and new inquiries of the credit in accordance with FICO®.

The credit mix only accounts for about 35% of your total credit score, whereas when it comes to a personal loan you can have a varying mix of the credit types. This mix of all types of credit is viewed at a high level of approval by the creditors and lenders.

Origination fee charged by loans

Most of the lenders end up charging you an origination fee. This fee cannot be avoided at any cost and is instantly taken off from the amount of the loan payment. The amount of origination fees depends upon the amount of the loan you are about to borrow. Late payments can lead to an overdraft of fees and late expenses. Therefore, make sure that you pay complete repayment for each month before the deadline.

Avoiding penalties when it comes to payments

Some of the credit lenders tend to charge an additional fee if you end up paying your part of the loan earlier than the agreed date. This is because they are looking for moderate amounts of interest on your loan. Now, seeing that you have paid off your part of the loan before time, they will miss out on that interest that they could have possibly made if you had not cleared the debt soon enough before the deadline.