5 Important Tips to Get a Personal Loan Approved

You might have a smooth running life, but that in no way means that there won’t be a problem with you. You can face an emergency situation at any point of time. So, for that, you need to be careful enough. A loan at this point of time can be a savior for you. It can help you meet a financial crisis. Through a loan, you are going to get some cash that will be helpful to meet the personal needs. But getting a loan is not that simple. There are certain steps that you need to abide by so that your loan plea gets approved.

Check the Eligibility Criteria

Most of the loan providers do have an eligibility criterion. Some prefer the borrowers to be within a particular age group, generally between 21 to 65 years. Another thing that they might be checking about you is a minimum amount of earning per year. Maintain that you are not a defaulter on any of your previous loans or credit card bills.

Verify Your Credit Score

A credit score is what the lenders are going to determine before they give you a loan. So, before you apply for the loan check for the credit score so that the loan plea does not get rejected. If your scores are not good enough rectify them. This will increase your chances of getting the personal loan approved and also might fetch you attractive interest rates.

Provide Genuine Details

When you are applying for the loan, make sure to provide all details that are true to the best of your knowledge. The lenders will doubt your intentions and will cross check everything. They might consider visiting you or giving you a call personally to verify the information you have provided. So, giving them genuine details will increase your chances of getting the loan approved.

Avoid Several Applications

Aim for a realistic loan amount that is payable by you. So not ask for huge amounts because in that case the plea might get rejected. Another mistake that most people make is applying at several places. The lenders will doubt your intentions and your probability to get the loan approved will be reduced. Also, multiple applications will affect your credit scores.

Have a Stable Source of Income

Having a stable work history is sure to impress the lending institutions. If you are having a minimum of two years of experience that will be an added advantage. Try to avoid switching jobs and maintain a stable source of income.

The Dangers Of Overhead Power Lines Best Practices

Every year people at work are killed or seriously injured when they come into contact with live overhead electricity power lines.

If a machine, scaffold tube, ladder, or even a jet of water touches or gets too close to an overhead wire, then electricity will be conducted to earth. This can cause a fire or explosion and electric shock and burn injuries to anyone touching the machine or equipment. An overhead wire does not need to be touched to cause serious injury or death as electricity can jump, or arc, across small gaps.

One of the biggest problems is that people simply do not notice overhead lines when they are tired, rushing or cutting corners. They can be difficult to spot, eg in foggy or dull conditions, when they blend into the surroundings at the edge of woodland, or when they are running parallel to, or under, other lines. Always assume that a power line is live unless and until the owner of the line has confirmed that it is dead. This guidance is for people who may be planning to work near overhead lines

where there is a risk of contact with the wires, and describes the steps you should take to prevent contact with them. It is primarily aimed at employers and employees who are supervising or in control of work near live overhead lines, but it will also be useful for those who are carrying out the work.

Types of overhead power lines

Most overhead lines have wires supported on metal towers/pylons or wooden poles – they are often called ‘transmission lines’ or ‘distribution lines’. Most high-voltage overhead lines, ie greater than 1000 V (1000 V = 1 kV) have wires that are bare and insulate but some have wires with a light plastic covering or coating. All high-voltage lines should be treated as though they are uninsulated. While many low-voltage overhead lines (ie less than 1 kV) have bare insulate wires, some have wires covered with insulating material. However, this insulation can sometimes be in poor condition or, with some older lines, it may not act as effective insulation; in these cases you should treat the line in the same way as an insulate line. If in any doubt, you should take a precautionary approach and consult the owner of the line.

There is a legal minimum height for overhead lines which varies according to the voltage carried. Generally, the higher the voltage, the higher the wires will need to be above ground. Equipment such as transformers and fuses attached to wooden poles and other types of supports will often be below these heights. There are also recommended minimum clearances published by the Energy Networks Association.

What does the law require?

The law requires that work may be carried out in close proximity to live overhead lines only when there is no alternative and only when the risks are acceptable and can be properly controlled. You should use this guidance to prepare a risk assessment that is specific to the site. Businesses and employees who work near to an overhead line must manage the risks. Overhead line owners have a duty to minimize the risks from their lines and, when consulted, advise others on how to control the risks. The line owner will usually be an electricity company, known as a transmission or distribution network operator, but could also be another type of organization, eg Network Rail, or a local owner, eg the operator of a caravan park.

Preventing overhead line contact

Good management, planning and consultation with interested parties before and during any work close to overhead lines will reduce the risk of accidents. This applies whatever type of work is being planned or undertaken, even if the work is temporary or of short duration. You should manage the risks if you intend to work within a distance of 10 m, measured at ground level horizontally from below the nearest wire.

Remove the risk, the most effective way to prevent contact with overhead lines is by not carrying out work where there is a risk of contact with, or close approach to, the wires. Avoiding danger from overhead power lines. If you cannot avoid working near an overhead line and there is a risk of contact or close approach to the wires, you should consult its owner to find out if the line can be permanently diverted away from the work area or replaced with underground cables. This will often be inappropriate for infrequent, short-duration or transitory work. If this cannot be done and there remains a risk of contact or close approach to the wires, find out if the overhead line can be temporarily switched off while the work is being done. The owner of the line will need time to consider and act upon these types of requests and may levy a charge for any work done.

Risk control

If the overhead line cannot be diverted or switched off, and there is no alternative to carrying out the work near it, you will need to think about how the work can be done safely. If it cannot be done safely, it should not be done at all. Your site-specific risk assessment will inform the decision. Things to consider as part of your risk assessment include:

the voltage and height above ground of the wires. Their height should be measured by a suitably trained person using non-contact measuring devices;
the nature of the work and whether it will be carried out close to or underneath the overhead line, including whether access is needed underneath the wires;
the size and reach of any machinery or equipment to be used near the overhead line;
the safe clearance distance needed between the wires and the machinery or equipment and any structures being erected. If in any doubt, the overhead line’s owner will be able to advise you on safe clearance distances;the site conditions, undulating terrain may affect stability of plant etc;
the competence, supervision and training of people working at the site.

If the line can only be switched off for short periods, schedule the passage of tall plant and, as far as is possible, other work around the line for those times. Do not store or stack items so close to overhead lines that the safety clearances can be infringed by people standing on them.

Working near but not underneath overhead lines – the use of barriers. Where there will be no work or passage of machinery or equipment under the line, you can reduce the risk of accidental contact by erecting ground-level barriers to establish a safety zone to keep people and machinery away from the wires. This area should not be used to store materials or machinery. Suitable barriers can be constructed out of large steel drums filled with rubble, concrete blocks, wire fence earthed at both ends, or earth banks marked with posts.

If steel drums are used, highlight them by painting them with, for example, red and white horizontal stripes.
If a wire fence is used, put red and white flags on the fence wire.
Make sure the barriers can be seen at night, perhaps by using white or fluorescent paint or attaching reflective strips.

Avoiding danger from overhead power lines

The safety zone should extend 6 m horizontally from the nearest wire on either side of the overhead line. You may need to increase this width on the advice of the line owner or to allow for the possibility of a jib or other moving part encroaching into the safety zone. It may be possible to reduce the width of the safety zone but you will need to make sure that there is no possibility of encroachment into the safe clearance distances in your risk assessment.

Where plant such as a crane is operating in the area, additional high-level indication should be erected to warn the operators. A line of colored plastic flags or ‘bunting’ mounted 3-6 m above ground level over the barriers is suitable. Take care when erecting bunting and flags to avoid contact or approach near the wires. Passing underneath overhead lines, if equipment or machinery capable of breaching the safety clearance distance has to pass underneath the overhead line, you will need to create a passageway through the barriers, In this situation:

keep the number of passageways to a minimum;
define the route of the passageway using fences and erect goalposts at each end to act as gateways using a rigid, non-conducting material, eg timber or plastic pipe, for the goalposts, highlighted with, for example, red and white stripes;
if the passageway is too wide to be spanned by a rigid non-conducting goalpost, you may have to use tensioned steel wire, earthed at each end, or plastic ropes with bunting attached. These should be positioned further away from the overhead line to prevent them being stretched and the safety clearances being reduced by plant moving towards the line;
ensure the surface of the passageway is leveled, formed-up and well maintained to prevent undue tilting or bouncing of the equipment;
put warning notices at either side of the passageway, on or near the goalposts and on approaches to the crossing giving the crossbar clearance height and instructing drivers to lower jibs, booms, tipper bodies etc and to keep below this height while crossing;
you may need to illuminate the notices and crossbar at night, or in poor weather conditions, to make sure they are visible;
make sure that the barriers and goalposts are maintained.

Avoiding danger from overhead power lines

On a construction site, the use of goalpost-controlled crossing points will generally apply to all plant movements under the overhead line. Working underneath overhead lines. Where work has to be carried out close to or underneath overhead lines, eg road works, pipe laying, grass cutting, farming, and erection of structures, and there is no risk of accidental contact or safe clearance distances being breached, no further precautionary measures are required. However, your risk assessment must take into account any situations that could lead to danger from the overhead wires. For example, consider whether someone may need to stand on top of a machine or scaffold platform and lift a long item above their head, or if the combined height of a load on a low lorry breaches the safe clearance distance. If this type of situation could exist, you will need to take precautionary measures.

If you cannot avoid transitory or short-duration, ground-level work where there is a risk of contact from, for example, the upward movement of cranes or tipper trailers or people carrying tools and equipment, you should carefully assess the risks and precautionary measures. Find out if the overhead line can be switched off for the duration of the work. If this cannot be done:

refer to the Energy Networks Association (ENA) publication Look Out Look Up! A Guide to the Safe Use of Mechanical Plant in the Vicinity of Electricity Overhead Lines.2 This advises establishing exclusion zones around the line and any other equipment that may be fitted to the pole or pylon. The minimum extent of these zones varies according to the voltage of the line, as follows:
– low-voltage line – 1 m;
– 11 kV and 33 kV lines – 3 m;
– 132 kV line – 6 m;
– 275 kV and 400 kV lines – 7 m;
under no circumstances must any part of plant or equipment such as ladders, poles and hand tools be able to encroach within these zones. Allow for uncertainty in measuring the distances and for the possibility of unexpected movement of the equipment due, for example, to wind conditions;
carry long objects horizontally and close to the ground and position vehicles so that no part can reach into the exclusion zone, even when fully extended. Machinery such as cranes and excavators should be modified by adding physical restraints to prevent them reaching into the exclusion zone. Note that insulating guards and/or proximity warning devices fitted to the plant without other safety precautions are not adequate protection on their own;
make sure that workers, including any contractors, understand the risks and are provided with instructions about the risk prevention measures;
arrange for the work to be directly supervised by someone who is familiar with the risks and can make sure that the required safety precautions are observed;
if you are in any doubt about the use of exclusion zones or how to interpret the ENA document, you should consult the owner of the overhead line.

Where buildings or structures are to be erected close to or underneath an overhead line, the risk of contact is increased because of the higher likelihood of safety clearances being breached. This applies to the erection of permanent structures and temporary ones such as polytunnels, tents, marquees, flagpoles, rugby posts, telescopic aerials etc. In many respects these temporary structures pose a higher risk because the work frequently involves manipulating long conducting objects by hand.

Avoiding danger from overhead power lines. The overhead line owner will be able to advise on the separation between the line and structures, for example buildings using published standards such as ENA Technical Specification 43-8 Overhead Line Clearances.1 However, you will need to take precautions during the erection of the structure. Consider erecting a horizontal barrier of timber or other insulating material beneath the overhead line to form a roof over the construction area – in some cases an earthed, steel net could be used. This should be carried out only with the agreement of the overhead line owner, who may need to switch off the line temporarily for the barrier to be erected and dismantled safely.

Ideally, work should not take place close to or under an overhead line during darkness or poor visibility conditions. Dazzle from portable or vehicle lighting can obscure rather than show up power lines. Sometimes, work needs to be carried out near uninsulated low-voltage overhead wires, or near wires covered with a material that does not provide effective insulation, connected to a building. Examples of such work are window cleaning, external painting or short-term construction work. If it is not possible to re-route or have the supply turned off, the line’s owner, eg the distribution network operator, may be able to fit temporary insulating shrouds to the wires, for which a charge may be levied. People, plant and materials still need to be kept away from the lines.

Emergency procedures

If someone or something comes into contact with an overhead line, it is important that everyone involved knows what action to take to reduce the risk of anyone sustaining an electric shock or burn injuries. Key points are:

never touch the overhead line’s wires;
assume that the wires are live, even if they are not arcing or sparking, or if they
otherwise appear to be dead;
remember that, even if lines are dead, they may be switched back on either automatically after a few seconds or remotely after a few minutes or even hours if the line’s owner is not aware that their line has been damaged:
if you can, call the emergency services. Give them your location, tell them what has happened and that electricity wires are involved, and ask them to contact the line’s owner:
if you are in contact with, or close to, a damaged wire, move away as quickly as possible and stay away until the line’s owner advises that the situation has been made safe:
if you are in a vehicle that has touched a wire, either stay in the vehicle or, if you need to get out, jump out of it as far as you can. Do not touch the vehicle while standing on the ground. Do not return to the vehicle until it has been confirmed that it is safe to do so;

Avoiding danger from overhead power lines, be aware that if a live wire is touching the ground the area around it may be live. Keep a safe distance away from the wire or anything else it may be touching and keep others away.

Basics of Navigating the Digital Millennium Copyright Act (“DMCA”)

Due to the proliferation of the Internet, social media platforms, and hosting websites, online service providers have often become unwitting hosts to materials that may potentially infringe on the copyrights of another. Likewise, original content creators have also increasingly found themselves to be targets of unjustified DMCA takedown requests. Sometimes these takedown requests are made for anti-competitive or harassing purposes by competitors of the website operator.

The Digital Millennium Copyright Act (DMCA) provides a safe harbor in certain circumstances for website operators, who host materials submitted by third parties that may infringe the copyrights of others. If the copyright owner provides a take down notice in compliance with the requirements of the DMCA and the website operator timely complies with its obligations under the DMCA, it may be shielded from liability for copyright infringement. The website operator can adopt and post a copyright policy to facilitate DMCA compliance. A sample copyright policy is below, which requests that a takedown notice including at least the following information:

  • A detailed description of the copyrighted work you believe is being infringed upon description of the location of where the alleged infringing content appears;
  • Your contact information (including name, address, telephone number, and email address);
  • A statement that you have a good faith belief that the alleged infringing use is not authorized by you as the copyright owner, your agent, or by law;
  • A statement affirming that, under penalty of perjury, the information in the notice is accurate and that you are indeed authorized to act on behalf of the copyright owner; and
  • An original signature of the copyright owner or someone authorized on the owner’s behalf to assert infringement of the copyright as well as to submit the claim.

In addition to the policy, the website operator should register an agent with the United States Copyright Office.

While the above identifies a number of eCommerce and internet law issues affecting compliance with the DMCA, an in-depth analysis may be required. For example, the timeliness requirement for the take down has been a hot litigation topic lately. Additionally, the DMCA applies to copyrights only, and does not currently provide a safe harbor for trademark infringement or patent infringement claims. These type of claims stemming from users of the website can be addressed in the Terms of Use or other website agreement between the website operator and its users.

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India – Jewellery Destination and Jewellery Shops in India

India and Jewellery, Jewellery and Indian women are interlinked with each other from decades. In almost every occasion starting from marriage to any event the fashion of a woman is incomplete without teaming up with proper jewellery. Some traditional and some modern styles of jewellery caters to the need of jewellery selection. Not only the affluent class can afford jewellery but there are also low cost jewellery items that cater the wide demand of jewellery in India. While picking up or choosing jewellery in India has lot to do with fashion trends heritage and culture. Different regions and culture follow their unique designs that go at par with their tradition. Kundan jewellery is a renowned art that we can see in Indian jewellery which usually comes from the state of Rajasthan. Almost every small and renowned jewellery shops in India showcases unique styles of Kundan art. Apart from Kundan jewellery Meenakari, the art of coloring the surface of metal to give a gorgeous look to the jewellery is quiet famous in India. Traditional temple style of Jewellery depicting the style of south India is quiet famous.

A married woman in India has to flaunt variety of Jewellery pieces as a part of culture that actually gives the lady a gorgeous look. A pair of toe rings is a symbol of a married lady these toe rings can be of silver or any other material. Apart from toe rings nose ring is also a part in Indian marriages. These nose rings are generally called nath that depicts prosperity of husband. Necklaces are an untouchable part of traditional bridal attire. Necklace can be of different designs. It can be of traditional temple design or it can be of curved design. This piece of jewellery actually is an essential part of bridal or non bridal attire. In any occasion women can flaunt a necklace simple or heavy as per their occasions. Bangles usually worn in the hands to decorate the hands of a woman are also a part of bridal attire.

In India there are a variety of jewellery shops catering to the wide demand of jewelleries. These shops provides almost every type and form of jewellery. Some of the important and renowned jewellery shops in India are P.C Chandra Jewellers, Malabar Gold & Diamond Jewellers, Kalyan Jewellers, etc. Apart from visiting a jewellery showroom nowadays online shopping from portals like Caratlane has become quiet famous among women who hardly gets time after their office hours. To brief out India and its craze for jewellery is inseparable.

Highland Park, CA Homes and Real Estate – A Look at the Numbers

In Los Angeles real estate circles, everyone is talking about Highland Park. Like other Northeast LA neighborhoods like Silver Lake, Eagle Rock and Mt. Washington, Highland Park is in a state of gentrification as new stores and restaurants are popping up on York Blvd. and homes are being purchased and restored. As a result, homes in Highland Park are in demand and prices have steadily risen. But gentrification isn’t the only reason. Highland Park is a wonderful area to call home.

Highlan Park is an amiable historic neighborhood located in Northeast Los Angeles. It is a hilly neighborhood located in the San Rafael Hills along the Arroyo Seco. It is southwest of Eagle Rock and Northeast of Cypress Park. People from many ethnic and socioeconomic groups call this neighborhood “home”. The weather is pristine with the highest monthly average temperature being 73 degrees in the hottest month of July and 57 degrees in the coldest month of December. Highland Park experiences light rain; January receives the highest amount at 4.6 inches total. According to Walk Score, Highland Park is the most walkable neighborhood in Los Angeles with a score of 72. It is very accessible and most errands can be completed on foot. It has some public transportation and is somewhat bikeable with a transit score of 47 and a bike score of 53.

According to the 2000 U.S. Census there were 57,566 residents in the 3.42 square miles of neighborhood. That is an average of 16,385 people per square mile. Highland Park is one of the highest density areas in Los Angeles. Highland Park grew to 60,835 people by 2008. The ethnicity break down was as follows: Latinos, 72.4% Whites 11.3%, Asians 11.2%, Blacks 2.4% and others 2.6%. A larger than average 57.8% residents were born abroad. 55.3% of them were born in Mexico and 12% were from El Salvador. In the male population 52.2% were married, 41.2% had never been married, 4.9% had been divorced and 1.6% were widowed. For the women: 50.4% were married, 33.2% were never married, 9.3% were divorced and 7.1% were widowed. The demographic for never married was among the county’s highest. 14.3% of residents who were 25 and above had a four-year degree. This was average for Los Angeles. 45.1% of the residents were born in a foreign city. This was a high number for Los Angeles. 4.9% of people in the population were veterans; this was a low number for Los Angeles. The average age of residents was 28, which is seen as young compared to the other areas of Los Angeles.

The average household income in 2008 was $45,478, which is an average number for Los Angeles. The average household size was 3.3 people, which is 25% higher than the national average. Renters occupied60.9% of housing units, which is 105% higher than the national average. Owners completed the other 39.1%, which is 58% lower than the national average.

Zillow states that Highland Park’s home value index is $662,800, which is up 13.1% since last year and with a projected increase of 4.3% predicted over next year. The market temperature is very hot and ideal for sellers. The average price per square foot is $582, which is higher than the Los Angeles average of $448. The average price of homes is $652,500, which is 123% higher than the national average. The average rent per month is $2,600, being 22% higher than the national average. The current Market Health is 5.3/10, which is relative to other markets across the country. Highland Park will continue to grow and develop.

Because Highland Park is in a stage of gentrification with rising home prices, it is highly advised for home-buyers and home sellers to seek out an experienced Highland Park realtor who specializes in the area.

What You Need to Know on the Best Loan Rates

How Lenders Determine Qualified Applicants for the Best Loan Rates

A loan’s term is being calculated with the use of a tool known as risk based pricing. Essentially, risk based pricing is a system of analysis that determines the risks you pose to lenders as a potential borrower. Various factors including credit score, age and residential status are several of the measures being used in the final calculation. When you present lower risk as a borrow, you will be offered with a better overall rate.

Unsecured loans are tailored for individuals who look for monetary assistance without utilizing collateral. Any individual, who’s an actual or perhaps a house proprietor, can borrow the quantity below this provision. The sum provided for borrower’s problem is really a minimal quantity of £1,000 and elevated until £25,000. This quantity is catered for all classes of credit score holders having a fixed and brief reimbursement expression. And also the repayment time period is settled in between six months- ten many years at greatest. As, unsecured personal loans are fast to get trigger much less paperwork are adopted. Furthermore, within this chance the analysis of house isn’t carried.

Factors Affecting Your Credit ScoreThere are a lot of factors which can contribute to your overall creditworthiness. Even though this list is by no means exhaustive, a few of these factors include the following:

  • Duration of your credit history
  • Proven ability to manage credit as expressed through credit cards, previous loans and others
  • Amount you owe on average
  • Your tendency to source a new credit

How to Attain Your Exact Credit Score Before You Apply

If you are interested to have a better understanding of your creditworthiness prior to applying for a loan or any type of credit for that matter, there are several agencies that you can get in touch with. Lenders are going to use any of these agencies in order to get a copy of your credit details the moment you apply. But, some of them will be more than happy to render you directly a copy of your file for a nominal fee.

All in all, typical rates have not been designed to deceive interested applicants. In fact, it is far from it. In reality, these are only a means for a lender or loan broker to provide an accurate description of what rate typical customers are likely to be qualified for.

When you understand the mechanism being used for promoting a loan, you also decrease your chances of being disappointed.

5 Ways to Travel Solo Without Going It Alone

Solo travel has become a hot topic. Unlike “single(s)” travel, it is a broader group. It can include those who are single, married or have a partner/significant other. It may be a business person looking to add a leisure weekend or extension to a trip for work. Two stumbling blocks to solo travel can be: I. whether it is lonely to vacation as a “party of one” and ii.whether eating alone, especially dinner, is really uncomfortable.

Now having visited 68 countries and all 50 states, I have found 5 good ways to go alone without feeling you are “going it alone”.

1. River Cruise and Small Ship Cruises

I highly recommend river cruises and small ships. They are especially a good fit for a first time solo traveler. However, they are also great for well-traveled solos in two cases. That is where destinations like Cambodian boat villages are not otherwise easy to reach. Secondly, they work well in places where security is an issue.

Here are the key advantages of such river and small ships for solo travelers, they:

  • Give you time alone but a group for tours and meals
  • Can be competitively priced when compared to a piecemeal approach
  • Make unpacking a one-time chore
  • Work well with land packages
  • Often have discounted package pricing including flights

2. Select your own lodging, and take day trips.

Here are the key advantages of this independent approach:

  • Affords you the opportunity to select your own interests and travel style.
  • Provides more opportunity to interact with local residents.
  • Gives you a “day-off” when you need it.
  • Works with a range of budgets.

3. Combine both of the above approaches.

I really favor this approach when I travel. On solo travel for 17 days at New Year’s, I toured Southeast Asia. I started with a private taxi tour in Siem Reap, Cambodia. I then joined a top Mekong River Cruise on to Vietnam. On the last leg, I had five days in a 5-star hotel in Bangkok. In my last stop, I tried all 3 ways of sightseeing: 1. A large bus tour 2. A private guide and 3. Self-directed subway tour.

This blended approach puts you in the driver’s seat and:

  • Will let you set your own course while being free to pick and choose
  • Gives you a part-time group of travel mates but also time alone
  • Makes it possible to follow a budget (or splurges) tailored to what works for you

4. Sign up ahead for a class abroad.

This has become very popular now for cooking classes in France and Italy. However, for decades, language classes abroad have lured students for short-term or full summer programs. Add to that options for photography classes, skiing and scuba diving.

Here are the key benefits to this approach:

  • Provides you with a ready-made group
  • Gives you a local contact to hear what not to miss off the tourist path
  • Make it possible to connect with classmates for meals or sightseeing
  • Results in providing local contacts in an emergency

5. Join a volunteer group or exchange program.

I have done this twice. My first trip out of the US was at 18 joining 5 other girls on a summer YMCA project in Trinidad and Tobago. It was the best way to learn about day-to-day life in another country and participate in community activities.

The benefits were endless. They included:

  • Meeting local residents outside of the typical tourist path
  • Seeing distant and often more unusual destinations
  • Providing volunteer efforts to communities than may have experienced natural disasters or other hardships.

If you are new to solo travel, take a look at each of these options. You will be surprised how fast solo travel gives you the chance to make new life-long friends from around the world so that you feel you are solo to more.

4 Daily Habits to Adopt for Success in Real Estate & Life

Good habits are the foundation of wealth. If you watch successful people you will see their day is filled with consistent habits that save time, improve focus and ultimately help accomplish more daily. Successful people get up early, learn daily, make lists & set goals and track their progress.

• Get Up Early.

Make the first two hours of your day the most important. It will not only set the tone for the day but will give you a game plan for everything else that follows. These two hours can be used for activities you enjoy such as exercise, meditation or completion of a project or activity from the previous day. The early morning is free from distraction allowing you to do more of whatever you enjoy.

• 20 Minutes Of Learning Daily.

It is important in any business to know what is going on at all times. Trying to master every aspect of the business may seem intimidating but is less difficult if you spend some time on it daily. Regardless of how busy you may be you can squeeze twenty minutes of learning into your daily routine. You can find this time on an audiobook driving to or from an appointment or on the treadmill as you get some exercise in.

• Make Lists & Set Goals.

Success is often easier if you plan exactly what needs to get done. Before you go to bed you should plan for the next day. Tackle the toughest task first and go from there. Planning your goals not only makes you efficient but gives you a sense of direction and purpose. The most successful people in the world have one thing in common, they all say their goals out loud three times daily. This helps to reinforce their direction and keeps them on track in accomplishing their goals. Try it and see how much closer you get to reaching your goals!

• Track Progress.

If you don’t know what is working, is impossible to gauge the results? At the end of every day you should take some time to evaluate what you did to build on your progress. If you failed to do anything, you need to ask yourself why and then develop a new plan to stay on track.

You ultimately control where you go in Life. Changing habits is never easy but is essential for growth. Start by incorporating these four habits into your daily life and see the difference it makes towards your success.

Your Business Needs Steady Cash Flow

The ability to make critical purchases from your vendors, pay down loans, and meet employee payroll has become a common problem among businesses across all industries. Cash flow has always been a major issue with all businesses and without positive cash in your bank your business could fail. By the time a business realizes their cash flow isn’t going to support their payroll, or pay vendors, the owners make rash decisions by going to companies/banks that can destroy their business.

If you realize your business is about to fall into this position, don’t panic. Review your financial situation with your accountant or CPA. But don’t act too fast. There is another option.

So what can you do to avoid this problem?

Before telling you the solution, let’s talk about the 3 things you should NOT do.

1- Bank Loans. If you think a bank will help finance your old or slow paying customers, well they are not.

2- Factoring Invoices or Receivables. Another myth. When companies rely on this method of cash flow, it just reduces your profits. Plus, once your invoices or receivables have been factored, most often this “third” party who now owns them will be so aggressive with your customers to collect the money that it can ruin your business by losing a customer.

3- Collection Agency. If all you want is someone to harass your customers, then call a collection agency. Odds are, they will just irritate your customers with strong-arm tactics that never work and here again you will lose another customer.

What you need is positive cash flow, right? Well you can have positive cash flow and retain your customers by using a reputable company that knows how to talk to your customers in a manner that will actually convenience them to make timely payments without losing them as a customer.

A credit management system can provide effective cash flow by acting seamlessly with your accounting department. This should NOT impact your accounting staff when handled properly. The slow paying customers and poor receivables from your accounting department should be quickly identified and presented to management in a timely manner. It is best you do not use a middleman, or off-shore calling, These will just hurt your business more because your customers know these types of calls who only want to collect the money, not help make a payment plan.

There are many articles to help find a good credit management resource. Do your research and seek out those that have a solid reputation and work with you as your in-house accounting department.

Jean Grey Costumes

Marvel and comic books like DC comic have given rise to superheroes and superheroines. X-Men series, for example, has seen many superheroes and superheroines, and one such character is Jean Grey. The outstanding feature with these superheroes is that they each have a signature dress code or outfit that is specific to them and their style. This, therefore, helps fans associate and even takes part in dressing like their favorite superhero for various reasons, like superhero costume play parties and such.

Jean Grey different Cosplay costumes.

The character has gone through some changes throughout the X men series regarding both the supernatural capabilities and dressing style. As discussed above, the type of costume worn is a representation of their psychic powers. For example, during the split of the X men team to gold and blue side, Jean made a remarkable change, donning in a gold team outfit that is still one of the most popular of her costumes.

The other famous costume is the one she used in the original X men movies where she had a yellow mask, red wig, yellow boots and gloves, a belt with an X buckle and a spandex body suit that was either blue or black; it often would change colors. This is one of the costumes that is up to date loved by many costume players worldwide.

Then came the more feminine costume that is also loved by many, the costume was changed to a cute green dress that man made her look sassy. Most of the other outfits like the yellow mask, gloves, and belt remained.

The Phoenix series Jean’s outfit comes up as a significant part this costumes art, there are Phoenix and dark phoenix outfits that differ in color and phoenix sizes. There is green outfit and a small golden bird at the top in Phoenix, while in Dark Phoenix, the costume is red, and the bird covers the upper chest. These dresses have long gold gloves and boots that are thigh high.

There are other costumes like the X factor costumes where she wore a green body suit that has an X across the upper side of the body, running from shoulder to shoulder.The yellow gloves and boots still are still on.

Conclusion

These are some of the many character costumes of Jean Grey who has gone through tremendous changes all through. Make a decisive choice on what to purchase for your costume play, by researching all the available Jean’s character outfits in the stores.