ABOUT SECURED LOANS

Banks like making secured loans because there is less risk to them. The item you use to guarantee the loan is called collateral. As a rule, lenders expect the collateral’s value to exceed the amount of the loan for the term of the loan. This is why auto secured loans require you carry full coverage insurance on the vehicle for the life of your note. They want to ensure they receive their money even if something happens to the car.

While it is not always the case, secured loan rates are typically lower than unsecured loan rates. Again, this is a function of the decreased risk to the lender being passed along to you in the form of savings.

Kinds of secured loans

Mortgages and auto loans are the two most common kinds of secured loans, but any loan offering collateral in exchange for the funds is a secured loan. Some lenders accept stock certificates, retirement accounts and even insurance policies as collateral as long as your plan or policy does not specifically prohibit it. You can also secure a personal loan for business purposes with business equipment because it has a tangible value attached to it.

Jewelry, artwork and rare coins are less common collateral options, but options nonetheless.

What happens in default

As with any lending obligation, there are consequences for failure to repay secured loans. In addition to the default showing up on your credit report and adversely affecting your credit score, foreclosure or repossession can occur. If, for example, you used your truck to secure your loan and stop making payments, the truck is legally property of the lender. You receive notice to surrender the vehicle, but if you don’t comply within a specified amount of time, someone will come to take the vehicle from you. In the case of home foreclosure, you must vacate the premises within a certain period of time or your things are placed on the lawn and locks are changed.Only you can determine if secured loans are the best option for your financial needs when choice exists.

Launching the Herbalife Decade in Magical Orlando

The 2010 Leadership Summit in beautiful Orlando, Fla., was full of glitz and glamour as we celebrated yet another amazing year of overwhelming success. Once again we surpassed our company’s record for biggest bonus payout ever! This year’s total payout was $36,500,000. Our #1 Distributor, Enrique Varela & Graciela Mier took home the biggest payout at the Mark Hughes Bonus Award ceremony on Saturday, March 20. Congratulations to all our Bonus winners from the entire Herbalife family.

The Herbalife Family Foundation (HFF) presented its prestigious Humanitarian Award to Leslie Stanford for exemplifying the foundation’s mission–an exceptional involvement and dedication that has made a considerable impact and helped to change lives around the world. Distributors got to bask in the magic of the moment at the Ebony & Ivory Gala benefiting the Herbalife Family Foundation.

Some of our achievements over the past 30 years can also be attributed to the inspiration of the late Jim Rohn, America’s foremost business philosopher. It was with much pride that Herbalife honored Jim with a heartfelt celebration tribute attended by Distributors, staff and friends. Throughout the Leadership Summit, each day of the event focused on one of our three decades. We laid the foundation for an even brighter future. Our Chairman and CEO Michael O. Johnson shared his vision to take the company to the next level in 2010 and to launch The Herbalife Decade by building on our company’s incredible momentum.

This year’s “Dream Team” speakers was full of inspiration. Our top achievers shared their winning business practices, and the power ignited by their words will undoubtedly fuel us to even greater success in this new era.

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SpoofCard Affiliate Program

SpoofCard, a provider of enhanced calling card services, has announced a partnership with Commission Junction, one of the largest global pay-for-performance marketing networks, to promote its new affiliate program. The new program offers webmasters trusted-third party tracking, real-time reporting and monthly commission checks. SpoofCard launched its affiliate program officially on August 27.

With SpoofCard’s affiliate program, webmasters can gain a share of the company’s revenues by working as its partner in promoting the company’s services. All they need to do is link their portal with the website of SpoofCard. The new affiliate program of SpoofCard, launched at Commission Junction, provides webmasters with a wide array of text, flash and static banner ads. In addition to this, affiliates are offered support by a dedicated affiliate management team that is prepared to work in tandem with the webmasters.

The affiliate program of SpoofCard is also unique because it is among the very few programs in the industry that offer commissions for recurring purchases. With this feature, affiliates can earn passive income as well when a new customer is acquired by the company.

SpoofCard's unique calling card provides users with the ability to change the number displayed on the Caller ID. Customers can record phone conversations as well as modify one’s voice to sound like the opposite sex. SpoofCard is available for individuals as well as businesses and business owners, who wish to have a specific number displayed on the Caller ID when they are calling from a different phone e.g. a private cell phone.

Affiliates can join the program for free. New affiliates will receive a free SpoofCard as well if they sign-up and actively promote the SpoofCard program.

What are some examples of SpoofCard uses?

Many! For example, business professionals such as doctors can return calls using their personal telephones without disclosing phone numbers they prefer to keep private. Also, the free Call Recording Feature enables many businesses to have a record of a verbal order or transaction that can be referred back to later.

Can calls be traced back to me?

Your financial, personal and call records are all confidential and are untraceable. However, if there is illegal activity and we are served with a subpoena, we will cooperate with the court.

Can any number be used to show up on the Caller ID?

Any 10 digit number can be used. Not only will the number show up but also the Name registered for that number would automatically appear.

What number will show up on the phone bill of the person whom I call?

Whatever number you enter as the spoof number will show up on the bill of the person you called. They won't ever see your actual phone number!

How safe is my data?

All information which passes between our servers and your computer is encrypted using a technology called Secure Sockets Layer (SSL), the same technology that banks use to protect data.

How private is my data?

SpoofCard is built around the principle that only you can access your data. We undertake never to reveal any data to anyone, unless required to do so by law.

Can I call Internationally?

At this time, SpoofCard does not offer international calling. This option will be available in the near future.

Can I dial the access number from any phone?

SpoofCard does not support dialing the access number from a Payphone or Skype. You may dial the access number from any other phone.

Euro Train Tickets

Lille, a city of a million inhabitants, got SNCF to run the line to the UK through its downtown area. French mayors and local business leaders understand that "beet field" stations like Haute Picardie make it much more difficult to attract the inward investment they need to compete with the Île-de-France region surrounding the capital. The section through Lille features tunnels, trenches and elevated structures with tall sound walls through residential neighborhoods. Some connecting regional trains depart from Lille Europe, many others from the legacy Lille Flandres station about 1/4 mile away, a single stop away on the local metro and tram lines. Passengers can also choose to walk through a shopping-mall-cum-conference-center.

Euro trains feature two tractor cars plus motors on the first bogie of the passenger cars immediately adjacent to the tractor cars, for a total of 12 powered axles. Total rated power is 12,200kW (16000bhp). In the event of an emergency, a single tractor car is sufficient to pull the trainset out of the Channel Tunnel, where the speed limit is 160km/h (100mph) for passenger and 100km/h (60mph) for freight and car/truck ferry trains. Along the route, the train has to adapt to four different signaling systems, multiple pantograph settings and two electrification systems. The 750VDC third rail pickups are no longer needed now that CTRL2 has been completed and trains terminate at St. Pancras International, shaving more than 20 minutes of the nominal line haul time and substantially improving punctuality.

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To follow that we finally got some cheap flights to Brussles. We are there for 2 days plus one day in Paris via the train. I promised Jayne and Jordan that we would see Europe while we are here, and after almost a year I'm starting to make good on that promise.

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How to play guitar book

How to play guitar book
You could start to learn guitar from a book. This is not ideal, but books are abundant and easy to get a hold of. In fact, you would not even have to pay anything. That is what they have libraries for, and this is a good thing.

Starting at your local library would be an ideal place to start. You can pick up several books for free for a short period of time. This would give you the time to see what the books can offer you. If you think they can do a good job for you then you can go out and try to find more books.

Most of the books will have the basics, and what you should most certainly be looking for is for the book to start teaching you to read music. As I have talked about this before I will not go on and on about it, but learning to read music is something you should do. It is a foundation that can never be taken away. This is the basis of music and you can learn more instruments.

There are many musical book publishers and all seem to do a good job. Most have detailed illustrations and will teach you the theory. Theory is great as I have mentioned, but the book will fall short in a couple of areas.

A book can not tell you certain things. A book simply is not a human or even a video. However, you can read the lessons in the book as many times as you need to really learn what is being taught. And this would be something I would strongly suggest. Learning anything from a book usually requires a couple of reads. So do this at your digression.

Most of the books that I have seen also have a good number of photos showing you where the notes are and how to play them. So, you can get started from a book, but eventually you will need some other form of instruction. You simply can not learn the more advanced things from a book. I mean, how could you explain or teach a blues solo from a book.

That is just one good example of the limitations of a book. These days the DVD’s and online courses are the way to go. The books are the predecessors of these newer instructional materials.

Choose Porsche Wheels

cleaned up a little bit and again I stumbled across these wheels found years ago. Ronal and Remotec with Porsche 5x130mm bold pattern. Does anyone have old dealer catalogues, tech documents or anything like that from these wheels? If so I would be glad if you would share a copy with us.Porsche wheel should be chosen as carefully as the high performance car they are going on. Here are a few considerations to keep in mind when choosing wheels for your Porsche.

A beautiful car deserves beautiful wheels, which is probably the biggest reason why aftermarket Porsche wheels are so popular. When you drive a car like a Porsche, it just does not make sense to leave the stock Porsche wheels on the car.

Aftermarket wheels for a performance car need to be chosen carefully, however. In order to get the most performance and enjoyment out of your wheels, here are several things to consider when you are shopping for Porsche wheels.

Wheel size: Porsche wheels are sized in two different ways; diameter and width. The diameter is the measurement from rim to rim across the middle of the wheel, while the width of the wheel is measured across the part where the tires go. Larger wheels are typically popular for performance cars. The larger the diameter, the smaller the sidewall of the tire that goes on it, which tends to improve the car's handling. Likewise, a wider wheel width takes a wider tire, which also improves a car's handling.

If you are thinking about buying Porsche wheels that are larger than your stock wheels, it is important to keep in mind how this will affect your speedometer and odometer. You should be able to find a tire that fits the new wheel, but that has the same outside circumference as the original size tire for the car.

Finish: Porsche wheels come in a variety of different finishes. The most popular finish is most likely chrome, but chrome also tends to be the most expensive. Aftermarket wheels also come in painted finishes, usually silver or black.

Regardless of which finish you get, it is important to keep your wheels clean and dry. Water can cause the wheels to rust, and dirt will also help to hold water in and encourage rust. Generally, the smoother the finish the easier it will be to keep clean. Unless you are willing to devote a considerable amount of time to cleaning and polishing your wheels, you will probably want to avoid any kind of a porous finish.

Construction and design: Construction and design are also important when choosing Porsche wheels. Wheels with a more open design allow for better air circulation and help to keep your brakes cool, not to mention they offer a more striking appearance! Aftermarket wheels also can be made out of a variety of different materials, which have benefits such as lightness or superior strength.

The importance of Porsche wheels: Few accessories add as much to your Porsche as aftermarket wheels. When chosen correctly, Porsche Rims can both increase performance, such as handling, and add to the appearance of your car. As much as is riding on your wheels (pun intended), it is important to consider your options carefully before selecting Porsche wheels on your car.

Online Programs in St. Augustine School of Medical Assistants

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Employment is projected to grow much faster than average, ranking medical assistants among the fastest growing occupations over the 2008–18 decade. Job opportunities should be excellent, particularly for those with formal training". Formal training is now available online at many schools. One of the best and most popular is St. Augustine School of Medical Assistants, thier program is very affordable, nationally accredited adn certified. You can read more about this innovative program at: www.medassistant.org.

Why Are Health Care Organizations' Ethics Codes News?

This just in from the Orlando Sentinel,

The head of Central Florida's largest blood bank told Florida senators Wednesday that she has completely overhauled the operation — from the boardroom to the bloodmobile.

'Believe me, I get it,' an apologetic Anne Chinoda told members of a committee investigating the business ways of Florida's Blood Centers and other blood banks across the state.

Chinoda said FBC now prohibits board members from doing business with the agency, has instituted nine-year term limits for board members and has put together a group to review executive compensation. She also unveiled a blood-donor bill of rights she promised to publicize.

Sen. Don Gaetz, chairman of the health regulation committee that asked Chinoda to appear, said he was pleased by her testimony. 'What we saw today was an admission of inappropriate practices in the past and a promise they will be fixed,' he said.


These new ethical standards were a response to a past controversy,

Gaetz's committee has been investigating FBC, which generates $100 million in revenues annually, and the statewide industry since the summer.

The inquiry was triggered in part by a series of stories in the Orlando Sentinel that showed FBC board members have sold millions of dollars in goods and services to the agency each year; that board members had no term limits; and that Chinoda was compensated nearly $600,000 annually. Her salary was not discussed at the hearing.

Like others in the industry, FBC gets its blood for free from donors, tests and repackages it. FBC then sells the blood to 70 hospitals and medical facilities in 21 counties in Central and South Florida.


How often do you hear pleas from local blood banks about urgent shortages? How often do you donate blood, or feel bad because you did not or could not donate? Many people who selflessly donate blood were likely unpleasantly surprised to find out that blood banks sell (at a high price) the blood they donated, and used the proceeds to pay their executives generous salaries, and pay vendors run by their board members.

Here was another example of a previously revered local, not-for-profit health care institution run apparently for the personal benefit of its top insider leaders.

Why was it news when the organization in question adopted a code of conduct that limited self-dealing by board members, limited board members to only(?) nine-year terms, and put in place some sort or organized process to set the CEO's compensation? Do those not seem like they ought to be standard, and not newsworthy practices?

Similarly, an article in the Newark Star-Ledger back in November recounted how Hackensack University Medical Center in New Jersey, whose board members had been accused of self-dealing (see this post), and to which a New Jersey state legislator had been convicted of selling his services (see this post), had instituted "tightened ethics rules," including a provision that "board members will no longer be allowed to do business with the hospital." Again, why should a rule like this be news? One of the duties of board members of all not-for-profit organizations is the duty of loyalty, "a standard of faithfulness; a board member must give undivided allegiance when making decisions affecting the organization." Overpaying crony executives and authorizing business dealings with one's own business seem to obviously violate this duty.

We have noted how the business culture of health care organizations has increasingly come to resemble the larger business culture in an era of laissez-faire capitalism and the rise of new oligarchs and robber barons. So it is telling that it was also news when UBS, a large international bank enacted a code of ethics for its employees that required them to actually comply with "foreign tax reporting rules," (per Bloomberg.)

One would have once thought that health care organizations, given their responsibilities for human life and health, and their formerly sterling reputations, would have clear, comprehensive codes of ethics that are actually enforced. But it is news when a health care organization develops such a code (and it still may be news when such a code is enforced.)

This post summarized some current thinking on organizational ethics policies. In conclusion, I asked readers to think about whether their own health care organization had anything resembling such a policy. I suspect few could identify such policies.

Health care professionals need to inquire why health care organizations, including drug, device, biotechnology and health care information technology companies, health care insurers, to hospitals, academic medical centers, and medical schools, etc, almost never have real organizational ethics policies. Of course, the suspicion is that lack of such policies makes it easier for insiders to direct the organization for their personal benefit. At least if we could make such policies the norm, we could remind organizational leaders that they are supposed to be upholding the mission, not lining their pockets.

Yet Another Service Profession to be Revolutionized by IT

As in healthcare, here is yet another claim -- of the 'bellicose grandiosity' variety -- that IT will "revolutionize" a service profession.

From TheHill.com:

White House budget director blames old computers for ineffective government
By Ian Swanson - 1/14/2010

A big reason why the government is inefficient and ineffective is because Washington has outdated technology, with federal workers having better computers at home than in the office.

This startling admission came Thursday from Peter Orszag, who manages the federal bureaucracy for President Barack Obama.

The public is getting a bad return on its tax dollars because government workers are operating with outdated technologies, Orszag said in a statement that kicked off a summit between Obama and dozens of corporate CEOs.

... “It’s time to bring government into the 21st century,” Orszag said. “Information technology has the power to transform how government works and revolutionize the ease, convenience and effectiveness by which it serves the American people."


I really wish that claims of IT and revolutions would cease. Perhaps the word "increase" (as in "increase the ease, convenience and effectiveness by which government serves the people") would be more accurate and indeed less hysterical.

When you do hear the "R" word in association with computers, though, think very big bucks for the industry and for the management consultants, and a massive amount of uncompensated clerical work and aggravation for the profession to be "revolutionized."