The Advantages of Using an Escrow Company

Published by in Blog on November 19th, 2012

Learning about business – Escrow and Wise Financing

Although you may often consider them as collateral, there are many reasons to invest in any of the services available from escrow companies. In a business, they can provide crucial support and stability. From a financial perspective, one can certainly put forward a strong case for them.

Defining Escrow

Of course, it’s important to understand what escrow agencies are. Put simply, an escrow agency or company can be defined as a third party that oversees important documents, data, money or property that will be released if certain conditions are met. These conditions depend on the situation in question, but they are usually for scenarios where one side wishes to have some form of collateral to protect themselves or demonstrate a display of faith in a partnership. This could, for instance, be used to show that you have the funds or products for a possible circumstance.

Since the escrow specialists are a third party, they tend to be unaffiliated with either party and hold equal ranking with both. The reason for this is, primarily, to be in the best position to determine whether, in full accordance with the law and contracted held between both parties, the escrow can be handed over.

A Fiscal Perspective

So far, you might be wondering about the financial or business benefits escrow specialists can offer. The trick of course, is not only in the escrow specialism, but also in how you plan it.

For instance, holding your own money back is useful in various deals. If you’re negotiating with another party and are unwilling to give the money over until certain conditions are met, holding the funds in escrow demonstrates the ability to pay. Since the money is out of your hands, it will be handed over once the pre-arranged factors have been met. This is one of the most common forms of escrow.

However, you can also look at more difficult situations, such as mergers and acquisitions. This is where a more specialist escrow might be needed, such as M&A escrow. This is important, because it might not even involve dealing with the other party. Such decisions can often cause staff to leave. Putting bonuses in escrow, or other incentives, can encourage staff to stay on for a set time. In this case, the escrow simply displays your ability to pay, ensuring that you’re not making empty promises to the work force you depend on.

In short, there are countless ways to utilise an escrow company. Whether it’s solving disputes, or showing another party or staff member your ability to meet your end of a deal, it can be a very useful place to store your money.

Furthermore, if such deals don’t go through, you get your money back, whereas paying the other party straight away may lead to a troublesome legal dispute. In this way, one can easily argue such escrow services act as a form of insurance, both financially and legally.

Giving Your Canine a Good Dog Bed is Important

Published by in Blog on November 14th, 2012

We clearly know that sleep is a very important part of a human life, canines also need a good night sleep and the type of dog beds their owners buy is very important. Contrary to the perception of some, a dog bed is more than a luxury for your pet. It offers a lot of benefits to the physical and emotional well-being of dogs, helping them live long and happy lives.

One of the little understood benefits of a dog bed is the security it can provide for your dog. Many dogs suffer from anxiety and stress, especially when their owner is away for extended periods. Having a place that your dog can go to when they feel anxious or maybe when they just want some time-out can benefit your dog’s emotional wellbeing. When you get your new dog bed, observe where your dog prefers to lie. Most dogs have a special area that they favor more than others. This is where you need to put your dog’s new bed. This will be ‘their spot’. A good bed provides insulation, support for our backs and joints, warmth, and a feeling of security, when a dog has a bed of his own, he gets all of these benefits, and more.

Dog beds offer your pet lots of comfort compared to a cold, hard floor. This makes them less anxious, which affects their behavior when they’re under stress. Having a bed for your dog also helps it attain the recommended 14 hours of sleep each day for most breeds. Getting sufficient rest allows your dog to fight lethargy, giving it more pep for exercise.

Having a dog bed also prevents hip and joint problems that usually come with age. These orthopedic concerns for dogs are just as painful to them as it is on humans, so any loving dog owner should do everything he can to prevent the problem even before it starts.

Something else you will need to consider when getting a new dog bed is what size bed to get. The rule of thumb here is to measure your dog from head to toe when it is in its natural sleeping position. When you have this measurement you must add about 5 inches. This will be the size of bed you need to get. If you find it difficult to measure your dog sleeping, try measuring with your dog standing. This will give you a slightly longer measurement but will give you a rough idea what size you are looking for.

If you invest in a good quality dog bed that is washable, it may last the life time of your dog. Buying a cheaper bed is a false economy as these will quickly wear out. Its very important that all dog owners choose a reputable place to buy their dog supplies. Your furry friend will thank you for it!

Steps in Setting up a Coolant Filtration Kit

Published by in Blog on October 22nd, 2012

A coolant filtration kit is a bypass-style system that filters a small amount of the coolant on each pass. By using a spin on filter, it makes it easier for you to change your coolant filter at regular intervals. These filters will remove all solid particles.

Install a coolant filter in order to extend the longevity of your cooling system components. Typically you will use 3 filters in the first 9 months. Once the initial 9 months has passed you will only need to change the filter once a year.

A filter system is equipped with a new easy-to-prime feature. Simply unscrew the small white plug to the left of the pump. Add water, replace and tighten the plug. This procedure will only be necessary on start-up, or if your system should somehow lose it’s prime.

When tightening the filter housings, be sure to apply equal torque to both sides to minimize the possibility of leaking. And please make sure the rubber 0-rings are snug and in the correct position.

There are huge differences in filter life and filter effectiveness even in filters with the same ratings. To be sure you are getting the right filtration kits always check what one is necessary for your system. The 6.7 Cummins Coolant Filtration Kit is a popular choice and offers many benefits other systems do not.

If you turn off your system for an extended period of time you should flush your pump and hoses with plain water. Occasionally, particles left in the system can harden and make the pump difficult to operate.

How to Build Stainless Steel Casters

Published by in Blog on October 22nd, 2012

Casters are small wheels attached to equipment to make it easier to move them around. Casters are basically a wheel and axle assembly. They are used in factories, laboratories offices and even in homes. Casters are generally classified into two types; rigid casters and swivel casters. Rigid casters can only move in a straight line while swivel caster can move in any possible direction. Stainless steel casters are manufactured in both rigid and swivel type. They are also available in flat and v-groove forms. Some of the casters also have brakes on them.

You also should consider the purpose of the caster and then buy it. For example, a light duty caster cannot be used to carry heavy load, if done so they will ware out earlier than their expected life span. While purchasing a caster, one must keep in mind the equipment load, environmental conditions, floor surface, etc.

There are two basic types of mountings i.e. plate and stem. There are various stem mountings like rounded, threaded and square. Rubber and polyurethane are the two materials used on the wheels of stainless steel casters. By purchasing the right caster you can save on the maintenance, cleaning and replacement cost. There are a variety of stainless steel casters available in the market for varied applications. Selection of an inappropriate caster will cost you a lot of material handling time.

Most iron carbon stainless steel casters contain 10% chromium this makes them corrosion resistant. Casters with stainless steel wheels are best suited for sooth floors and not for rough floors. Using these casters on rough floors will make it tough to move them about and reduce their life. Stainless steel casters are used in laboratories and hospitals to carry MRI machines and other hospital equipment, as they can carry heavy loads and are non-magnetic in nature.

Due to all the chemicals and typical environmental conditions in the laboratories, hospitals and pharmaceutical industries, stainless steel casters are the best option. They are also used in chemical, dairy industries, fisheries, food processing, machinery, as they can withstand the harsh chemicals and moisture. They have a longer life span than other casters when used in these industries. Stainless steel casters are ideal in a wet or corrosive environment.

What Employee Time Clock is the Right One for You?

Published by in Blog on October 18th, 2012

Companies today are challenged by employee and management communication around everyday occurrences such as requesting and approving time off for a family event, identifying extra work shifts available, and even capturing service-related job information like tips received. Time clocks are used to track employee time and labor factors and much more, for much less money along with much faster installation time and quicker training.

One time clock that is getting a lot of hype is the IDpunch 9. This time recorder is an easy-to-use time clock that employees use to punch In or Out and enter other time tracking information. Available with bar code or magnetic stripe readers, employees simply swipe their badge and go. Supervisors have labor management functions available right at the time clocks station and makes tracking employees and reporting much easier.

Other features the IDpunch 9 time clock provides is:

* Reviewing pay period work hours
* Previewing work schedules
* Reviewing vacation, sick time, and other time off bank balances
* Submitting a vacation request
* Entering tips when applicable, for example, wait staff or other service employees
* Transferring to a different department

If you want a time clock that makes your business life easier than I suggest looking at the IDpunch 9.

Dont Let Bankruptcy Push Your Panic Button

Published by in Blog on October 2nd, 2012

When you file bankruptcy–in San Diego or anywhere else, lenders usually stop accepting electronic payments. In my friends San Diego bankruptcy firm, they get calls and emails about this regularly.

Don’t panic! This doesn’t mean that your mortgage company or auto lender won’t take your payments. It just means that since you filed bankruptcy, the account has been coded for special treatment.


I don’t represent institutional creditors, so I can’t give you a definitive answer. I suspect the reasons for these policies are as follows:

– The creditor does not want to violate the automatic stay so it “flags” or “codes” the account for special treatment.
– If the creditor is debiting the borrower’s bank account, that could be construed–although done with the borrower’s permission–as a violation of the automatic stay.
– The creditor needs to do other things with the account which require it to be coded or flagged–verify insurance coverage, hire counsel to examine the bankruptcy filing, etc.

What do I do?

Pretend its 1990 again. Mail in your payments. Most creditors will give your bankruptcy attorney a letter with information about making payments. Even if they don’t, just send in your payments by writing out a check and putting it in the mail with proper postage.

What kind of debts or payments are we talking about here?

To be clear, I’m addressing payments to creditors who you want to keep paying–your auto lender, your mortgage company, perhaps the IRS if you have “priority” (non-dischargeable taxes). Keep in mind that you would never continue to pay unsecured creditors (VISA and Master Card) after you file bankruptcy unless specifically advised to do so by your bankruptcy lawyer.

This policy is sometimes irritating and, to some debtors, feels like they are being punished or singled out. But there are reasons for it. If it helps creditors comply with the law, it’s a good thing.

And if you have questions about these issues, call or email your bankruptcy attorney.

ROI Unlimited is the Best Home Based Business

Published by in Blog on September 21st, 2012

For anybody looking for a way to make extra money, start a new career, or wanting to work from home, ROI Unlimited is a very easy and profitable business to get involved with. And in my opinion, its the most lucrative home based business to start due to the amount of money you can make and the team support you have access too. I have personally seen copies of the checks my sponsor and his team are making and it would blow your mind. I have also earned my first $5k check as well and let me tell you, it was a rush.

ROI Unlimited specializes in the travel industry which is a multi-billion dollar industry that keeps on growing each year. By joining ROI Unlimited, whether to make this a home based business or just for the travel benefits, you will receive lifetime discounts to major resort, condo and hotel properties as well as major cruise lines. And when I say discounts I mean huge discounts, as much as 85% off.

If you decide to make this a business for yourself and your family, you can easily make any wheres from $1,500 – $20,000 in a matter of a few weeks. It just depends on how much time you devote to it. Click on Home Based Businessto watch the presentation. When you join, that puts you on one of the the three ROI boards. You have the driver, accelerator, and power boards. The driver board is $250, the accelerator is $1,000 and the power is $3,500. Which ever level you come in at you want to cycle off of that board in order to earn a big commission. You cycle off that board when you bring in two new people. It does not matter which board your people come in on, just as long as you bring them in. When you cycle off the driver board that earns you $1,500. When you cycle off the accelerator that earns you $5,000 and when you cycle off the power board that earns you $20,000. And I have seen and experienced the checks. People are making $70,000 in their first 5 months in the biz.

If you want to find out more please contact Matt at 623-687-1673 or email I will be more than happy to go over any questions you might have. In order to view the compensation plan you can go to Its the highest paying plan in the world. What bank can you walk into and invest $1,000 and in a few weeks make $5,000 back? Same with $20,000! This business is worth seeing.

We will be meeting at the Black Bear Diner Oct 4th at 630pm in the back room for those in Arizona that want to check it out. Call me for details and questions.

Types of Health Insurance and Who it Benefits

Published by in Blog on September 20th, 2012

There are many types of health insurance for people to chose from. You have basic plans that usually includes the everyday costs of medical treatments; like hospital stays, surgeries and emergency treatment. In most instances, these plans pay one hundred percent of cost; however, there could be a payment limit. This leaves the individual to cover the balance.

You also have major medical plans which cover a broader range of service, including those incurred both in and out of the hospital. This plan usually covers hospital stays, surgeries, emergency treatment, prescriptions, x-rays, lab test, dental and mental health services. There could be deductibles and out of pocket expenses. The dollar limit of total payments is higher than a basic plan.

If your an individual that suffers from prescription drug addiction, reviewing a plan that covers treatment for prescription drug addiction, will be very important. There are several plans out there that will cover this and get you the help you need.

Nowadays, addiction specialists who treat opiate dependency, can be found very easily. Other addicting drugs like crack, cocaine, meth, are also very treatable if the person is willing to get the help they need. Many insurance plans either cover these types of treatment or at least cover a certain percentage.

For those who have cancer or a serious illness that needs attention, there are many plans out there that cover the cost of specialists and weekly treatments. You also have hmo and ppo plans available. Some people like to pay copays and others would rather have a smaller deductible and have their insurance carrier pay 80% of all costs.

Whether a person has drug dependency or needs to be treated for a disease, reviewing the many types of health insurance plans out there is a must. Be sure to review them completely so your plan fits your needs and gets you the help you need at the right prices.

Free Inpatient Drug Rehab Centers

Published by in Blog on September 19th, 2012

Many people these days are battling drug dependency. Some use cocaine, others use meth. Right now, in the USA, there is no bigger drug abuse than that of prescription pain killers.

Pain killers like vicodin, oxycodone, hydrocodone, are the top choice of prescription pain killer to abuse. People are taking these drugs either to treat chronic pain, injuries, or migraine headaches. Others are taking them with alcohol just to feel good. Regardless the reason, once you start taking them over a period of time, the body gets use to them, your internal opiate receptors within your body start depending on them, and its hell trying to get off of them once you recognize you have a problem and need help.

There are many options out there for people to seek if they feel they have a problem with these types of drugs. Withdrawal treatment for opiatesis available as nobody should go through withdrawal alone or without the supervision of a specialist. Having a doctor who specializes in treating opiate dependency is very important as they can treat you with drugs such as Suboxone, which will treat the withdrawal symptoms and eventually get you off opiates for goods. Trying to rid your body of opiates by yourself is very hard, and the chances of staying on painkillers greatly increases. The special meds an opiate addiction specialist can prescribe will block withdrawal symptoms and slowly get your bodys opiate receptors cleaned out.

If your having issues with opiate dependency please seek help! You are not alone as there are millions of people out there right now in your same dilemma. You should not feel ashamed to admit you have a problem and you should not feel alone. Contact the many addiction specialists out there that are waiting to help you. There are many free rehab options out there for you. Admitting you need help is step 1, step 2 is feeling proud of yourself for doing something about it.

Police Scanners Will Keep You Informed

Published by in Blog on September 18th, 2012

These days there is a lot of crime taking place by the second. It is a proven stat that a violent crime takes place every 27 seconds. Whether that be murder, domestic violence, child abuse, or whatever, the fact remains that these types of nasty crimes happen often and in every community in every city.

Most people look at a police scanner as something only law enforcement and first responders use. But what if I told you owning a police scanner is a good way for ordinary citizens of the community to keep on top of the crimes and other things people need help with in their area. This could be a good way for people to become more aware of the things that need to change in their community. If they can listen in on a professional emergency response scanner then that wil give them a good idea of whats happening around them and start coming up with ideas for new community outreach programs to help the victims of these crimes or mishaps.

Suppose you are constantly hearing on your police scanner about the constant domestic disturbances that are taking place in your city. And what if you heard the same domestic disturbance call to the same address on a consistent basis? I bet that would make you want to start getting more involved in your community just knowing that some poor women is constantly experiencing abuse and the police have to keep going to that same address to protect and serve. You would want to start a program or offer your home for that person to stay in why they recover and get out of that horrible situation.

Also, by listening to the consistent crime taking place in your city it would also provide you with good ideas for a neighborhood watch program. Protecting your own home and those of your fellow neighbors is an excellent idea. It starts sending a message to criminals that you are aware of what they are up to and you wont let it happen in your area. And if they do dare to commit a crime in your are, on your watch, you have a police scanner with you to know how fast the police are coming in the event of an emergency.

So go out and get a police scanner today and stay up to date with the crime and emergency situations going on in your city or neighborhood every day. It might just end up saving somebodys life.

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