Monday, 5 September 2016
16:55:00 0

Nauzubillah min zalik.,SEMOGA di jauhkan dr kluarga kita Seorang lelaki di #Terengganu pelik bila tandas rumahnya tersumbat dan bila dia cangkul lubang tandas tu, dia tiba2 nangis



















































brokerage firm, or simply brokerage, is a financial institution that facilitates the buying and selling of financial securities between a buyer and a seller. Brokerage firms serve a clientele of investors who trade public stocks and other securities, usually through the firm's agent stockbrokers.[1] A traditional, or "full service," brokerage firm usually undertakes more than simply carrying out a stock or bond trade. The staff of this type of brokerage firm is entrusted with the responsibility of researching the markets to provide appropriate recommendations, and in doing so they direct the actions of pension fund managers and portfolio managers alike. These firms also offer margin loans for certain approved clients to purchase investments on credit, subject to agreed terms and conditions.[2] Traditional brokerage firms have also become a source of up-to-date stock prices and quotes.
discount broker or an online broker is a firm that charges a relatively small commission by having its clients perform trades via automated, computerized trading systems rather than by having an actual stockbroker assist with the trade. Most traditional brokerage firms offer discount options and compete heavily for client volume due to a shift towards this method of trading.[3]
Other ways to lower costs for these brokers is by executing orders only a few times a day by aggregating orders from a large number of small investors into one or moreblock trades which are made at certain specific times during the day. They help lower costs in two ways:
  • By matching buy and sell orders within the firm's order book, the overall quantity of stock to be traded can be reduced, thus reducing commissions payable to others by the brokerage firm.
  • The broker can split the bid-ask spread with the investor when matching buy and sell orders - a win-win situation in most cases
Since investor money is pooled before stocks are bought or sold, it enables investors to contribute small amounts of cash with which fractional shares of specific stocks can be purchased. This is usually not possible with a regular stockbroker.
Many broker-dealers also serve primarily as distributors for mutual fund shares. These broker-dealers may be compensated in numerous ways and, like all broker-dealers, are subject to compliance with requirements of the Securities and Exchange Commission and one or more self-regulatory organizations, such as the Financial Industry Regulatory Authority (FINRA).[4] The forms of compensation may be sales loads from investors, or Rule 12b-1 fees or servicing fees paid by the mutual funds.[5]
Monday, 11 July 2016
22:48:00 0

4 Tips for Selling Your Woodland Hills, California, Home Quickly





The pricey, highly competitive market in the District of Columbia can make the home search a daunting prospect for first-time buyers – but real estate experts who know the market well say there are ways to scout out a solid investment and get the home you're looking for without breaking the bank.
Whether you're looking for a turnkey property or a fixer-upper, Avery Boyce, an agent with Compass Real Estate, says the pace of investment in the District is very strong right now. "There are large public and private investments in many residential neighborhoods around the city," she adds. Strong stock options and rapid population growth mean that buyers continue to gravitate to this prosperous area.
Looking for a place in the nation's capital? We asked some of thetop local real estate agents as identified by OpenHouse, an agent referral company (and a U.S. News partner), to offer their advice on purchasing a home for the first time in the District of Columbia. Here's what they recommend.
Don't let politics dissuade you. November's presidential election has some buyers holding onto their cash because they're worried about uncertainties the election may bring. But in the Washington, D.C., metro area, "this is a big opportunity for first-time homebuyers to take advantage," says Anita Galang-Mason, a realtor with Weichert Realtors. "There's less competition and some sellers that have to sell are reducing their prices significantly."
Case in point: One of Galang-Mason's clients just got a home for $442,500 that had been originally listed at $480,000.
Go off the beaten path. A first-time buyer may end up living in a neighborhood that isn't as popular as their original choice, but is much more affordable. "First-time buyers often end up purchasing in neighborhoods they hadn't considered originally," says Carl Bender, a realtor with Coldwell Banker Residential Brokerage.
If you're interested in purchasing a home in downtown Washington, D.C., but can't afford prime locations like Logan Circle, Columbia Heights, Adams Morgan or Capitol Hill, you might want to look in neighborhoods outside the city's core that offer similar lifestyles.Silver Spring, Maryland, has a vibrant downtown area full of new shops and restaurants and is near multiple public transit options, including Metro and MARC train service. If you don't need to be near a Metro stop, Boyce says the Shirlington area in southArlington, Virginia – known for its arts and entertainment attractions – is worth a look.
Within the District of Columbia, neighborhoods like Trinidad and Brookland are up and coming areas that have undergone redevelopment. Once considered too dangerous by most homebuyers, these neighborhoods are shedding that reputation with the creation of new residential and commercial spaces. The takeaway is: If you're willing to go off the beaten path, you can find a few crown jewels to call home.
Consider the condo route. If you're a first-time homebuyer who doesn't have to house a family of five kids, it's worthwhile to invest in a condo, especially since they can often be found in walkable, easy-to-commute areas.
"Condos are a solid investment here, in part because there are a lot of single people who want a low-maintenance place to live," Boyce says. With the city growing denser, builders have to accommodate by constructing condos, so the choices for these homes are plentiful.
But keep an open mind. Sometimes a first-time buyer with their sights initially set on a condo may end up finding a slightly larger townhome for an equivalent monthly cost.
You don't need a big down payment. First-time District of Columbia homebuyers with good salaries but minimal savings often assume they'll need a huge down payment, like 20 percent of the cost of the home. The truth is, you don't. "It changes the field dramatically when you can buy with 3 percent or 10 percent down instead of coming up with 20 percent, because your salary can support a bigger monthly payment," Boyce says. Many lenders are doing 3 to 5 percent down on conventional financing these days. It's something that many first-time buyers aren't aware of, but it ultimately costs less than a traditional Federal Housing Administration mortgage.
Buyers also worry about what the market will think of their purchase for resale reasons. These statistics may be useful in other parts of the country, but not so in our nation's capital, where almost everyone is looking for an easy commute and access to fun and entertainment, according to Boyce. "Usually, everyone wants the same thing and spends money in the same way," she says.
Don't overlook homes that sit on the market. It's tempting to compete for properties fresh on the market, but those homes often have multiple buyers and offers. "First-time buyers usually don't play well in an all-cash market, and aren't able to compete as effectively for those properties that get a lot of initial interest," Bender says.
To get a good price, a better strategy is to look at a home that's been on the market for a while. You might find something you like, and the seller is more likely to lower the price of the home.
Look at the neighborhood's rental rates. High rental rates mean a potential windfall if you move out of your home and rent it to tenants. If the rental rates are higher than yourmortgage payment, "it makes sense on several levels to purchase rather than rent there," according to Bender. A higher rental rate than your payment is a sign of a good investment.
Work with an experienced agent. For a challenging market like Washington, D.C., make sure you work with a well-qualified real estate agent who can troubleshoot for you. Whether it's an overpriced property or a fixer-upper that's ripe to become a money pit, first-time buyers can get in over their heads. "As an agent representing first-time home buyers, I will sell them the house that I would buy myself," Galang-Mason says.
Bottom line: know your priorities, Boyce says. "D.C. is a fun city and a great place to live. If you find someone you trust who will guide you through the process, it will work out well.
http://realestate.usnews.com/real-estate/articles/a-first-time-buyers-guide-to-washington-dc/

Friday, 8 July 2016
14:44:00 0

How to Compare Fertility Treatment Options






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How to Compare Fertility Treatment Options

For prospective parents undergoing fertility treatments, the process can be both emotionally and financially draining. A single round of in vitro fertilization can cost tens of thousands of dollars, and there's no guarantee of success.
As Deborah and Jake Anderson-Bialis will tell, your choice of doctor or clinic can make all the difference. The couple started the process of freezing Deborah's eggs four years ago and wasted months and thousands of dollars on unsuccessful procedures due to miscommunicated instructions. They tried two different clinics and found both to be disorganized.
Many people are ashamed to talk about failed fertility treatments, but Deborah points out that even when people are willing to share their experience with a specific doctor or clinic, their perspective often isn't applicable if the diagnosis is different or they underwent a different procedure. "I was getting a lot of phone calls from friends and friends of friends asking me about my experience," she says. "But I really had nothing in common with the people calling me. I'm a sample size of one person."
That frustration gave birth to FertilityIQ.com, a website that collects detailed survey data from fertility patients to help prospective parents find the right fertility doctor or clinic for their needs.
The couple used data they collected for the site to identify a third doctor they liked. Just before starting IVF, Deborah learned she was pregnant. In February, they launched the site, and in April, they welcomed their son, Lazar.
If you're open to traveling for fertility treatments, global hospital search engineArchimedicx.com uses artificial intelligence to help you compare providers for elective procedures, both in the U.S. and abroad. The patient search engine currently offers information on artificial insemination as well as non-fertility-related procedures.
Maria Burpee, senior vice president of special projects at Archimedicx, says the search engine plans to focus more on fertility options like IVF and surrogacy in the future. The site's algorithm considers factors like positive outcome and activity volume. For instance, Burpee says if you’re living in New York and want to travel to California for a procedure, the site can help you identify hospitals and show how many of that procedure each performs per year. Users can also view information on cost (in most states, you'll be paying your own way for fertility treatments) and waiting time for an appointment at each hospital.
In addition, the Society for Assisted Reproductive Technology's website, SART.org, displays data for fertility clinics across the country, including live birth rates per patient sorted by age range. But as the website says, "accurate and complete reporting of ART success rates is complicated."
Numbers from any source only tell part of the story. Comparing data from one clinic to another is rarely a true apples-to-apples comparison, cautions Dr. Joshua Berger, a reproductive endocrinologist and medical director of the Los Angeles branch of CHA Fertility Center. "One clinic's patient base can be quite different from another, which can significantly differentiate the success rates between the two clinics," he says. "Unfortunately, the odds of fertility treatment success is not the same across women of all ages and situations," he adds.
Berger adds that "while SART.org features a success rate predictor tool [for IVF], the best way to determine your likelihood of getting pregnant and having a baby is to speak directly to a board-certified reproductive endocrinologist."
Choosing a fertility clinic or doctor can seem like a daunting task, but it doesn't have to be that way. Here are some strategies to help you decide.
Know your needs. Before contacting any doctors or clinics, Barbara Collura, president and CEO of Resolve: The National Infertility Association, recommends that you assess your needs, whether they are cultural or religious sensitivity, scheduling flexibility or financing options. "Oftentimes patients are … afraid to speak up and let a practice or doctor know what's important to them," she says.
You may be drawn to a certain clinic because its website describes easy financing options only to discover later that those choices are only available to people with a certain diagnosis or situation. Or a clinic with friendly doctors may not work for you if they can't accommodate your work schedule. Collura encourages you to tell practices upfront that "'this is my situation at my job' or 'we've looked at our finances, and this is what we have available.'" That way, you won't pay tens of thousands of dollars only to realize later it's a bad fit and feel stuck because you’ve already paid for treatment.
Consider the source. When talking to other patients, consider what procedures they had and what their diagnosis was. One of the benefits of a site like FertilityIQ is that "you're able to identify what type of person and what type of patient is talking, so you can find people who are very similar to you," Jake Anderson-Bialis says. "For example if you have recurrent pregnancy loss, you can read something from a very experienced patient, which might be different from someone who has endometriosis or someone doing egg freezing. That context is critical," he adds. And according to Berger, blogs can be a good source of emotional support, but don't believe everything you read.
Pay attention to each interaction. Deborah and Jake Anderson-Bialis say they overlooked some signs of disorganization at their first clinic, so if your gut tells you it's the wrong clinic or doctor for you, heed that instinct.
"Many fertility clinics offer free seminars where you can learn about the fertility basics and meet the doctor and staff," Berger says. "Before you start treatments, it's good to get a feel for the doctor and staff, see how comfortable you are with them [and] get a sense of whether they provide personalized care or treat you like another number. Every patient has a unique set of circumstances, so it's important to get that personalized service," he adds. 
Thursday, 7 July 2016
23:43:00 0

The Best Method for Paying Off Each Kind of Loan










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The Best Method for Paying Off Each Kind of Loan

You shouldn't employ the same strategy for paying off your mortgage, credit cards and car loan. (GETTY IMAGES)
If you sometimes daydream about being thrown into an old-fashioned debtor's prison, small wonder. According to a recent analysis by the research company Gallup, which based its information on data collected by the Federal Reserve, the average household has $7,828 in revolving credit card debt. Meanwhile, Americans are also juggling mortgages, auto loans, student debt and personal loans. In fact, earlier this year, the U.S. Department of Education released a report noting that more than 40 percent of Americans with federal student loans are behind on payments.
So what's the best method for paying off each kind of loan? Experts recommend the following approaches.
If you're paying your mortgage off slowly, month by month, so that one day, far off in the future, it'll be paid off, you're doing it right, according to most experts. That's for a variety of reasons, from being able to get a significant tax deduction to the simple fact that you could be using the cash that's going to your home loan (which hopefully has a low interest rate) on just about anything else, from retirement to college savings for your kid.
But if you want to pay it off faster than the standard 30-year period, then "the best way to pay off your mortgage is to consistently make extra principal payments every month," says Sandy Young, founder of the SY Financial Group in Hampstead, Maryland.
"Run an amortization schedule and follow it," she suggests. "Making your monthly payment into bi-weekly could also be an advantage. This would be equivalent to one extra monthly payment each year."
But, again, the question you should ask yourself is: Can you afford to do that? If you have a loan that's going to be paid off in 30 years, and you pay extra so you can finish in 26 (and for those 26 years, money feels tight) will it be worth it?
"Another question to ask is whether or not there are other debts, such as student loans or credit cards, that you wish to pay down to help improve your credit and lower your interest-payment obligations," says Sean Stein Smith, a certified public accountant in New York City.
But for most people – slow and steady wins the race.

Your Car Loan

Same deal, most experts say. However, because a car loan is usually far less than a home loan, it can make more sense to pay this off faster.
Here, too, making bi-monthly payments can also be wise, Smith says.
It sounds goofy at first, but if you do the math, that's 26 payments a year, instead of 12 a year. If your car payment is $100 a month (just to make the math easy), you'd be paying $1,200 a year if you paid off your car via the conventional 12 monthly payments. If you make 26 payments of $50 each, however, over the course of a year, you've paid your auto lender $1,300.
"Very importantly, by reducing your debt faster you will also reduce the overall interest you will be paying. Remember that every dollar in interest you pay does nothing to reduce your overall debt," Smith says.
But talk to your lender, which may or may not allow this payment structure or may ding you with penalties if you pay off the loan early.

Credit Cards

In this case, you definitely should pay off as much of the debt as possible, as fast as you can. Revolving debt – that is, credit card debt you carry from month to month – is a money killer, thanks to compounding interest that just grows and grows.
If you have a collection of credit cards with revolving debt and are trying to figure out how to whittle it down, try these suggestions from Katie Ross, education and development manager at American Consumer Credit Counseling, headquartered in Newtown, Massachusetts:
If you have multiple debts, pay the one with the high interest rate first. "This will reduce the amount you pay over the long term," she says.
That said, many experts recommend using the snowball debt methodwhich describespaying the credit card debt with the lowest balance first, then taking the money you save and putting it toward the next credit card with the lowest balance. But Ross is right, if you want the best method, and if you like knowing the cutesy names for your credit card reduction strategies, many experts call paying down the debt with the highest interest rate first the avalanche debt method.
Always pay more than the minimum balance. "By paying as little as possible, you're ensuring that you remain in debt longer and likely are going to end up paying significantly more in interest in the end," Ross says.
Don't use credit cards when you have revolving debt, experts say. "If you're in debt already, stop using credit to pay for things," Ross says.
14:49:00 0

Where to Get Money for Your Business Idea






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Where to Get Money for Your Business Idea

What do the local coffee shop, an Etsy store and Apple all have in common? They all needed start-up cash to get where they are today.
Recent estimates on the price of launching a new business are hard to find, but a 2009 study from the Kauffmann Foundation pegged the average cost at $30,000. Even online businesses, which can have relatively low costs, require capital for web design, product development and marketing.
While you could cash out your 401(k) or dip into personal savings to fund your business venture, here are other, potentially less risky options to consider.
Family and friends. Turning to family and friends for money can have dual advantages. First, these loans may not be subject to the same extensive vetting process required for commercial loans. In addition, by tapping a person with prior business experience, you may find you have a ready-made mentor who has a vested interest in helping you succeed.
"I've had a few folks go that route," says Osama Albibi, a senior financial advisor with Merrill Lynch in Panama City, Florida. "Obviously, it's not available to everyone." Whenborrowing from family and friends, it's crucial to put the terms of the loan in writing. Then, pay it back with the same diligence you would if it were a bank loan.
Credit cards and lines of credit. For those without generous and well-off family or friends,using credit cards and other lines of credit may be the most accessible way to find money for a business start-up. "That's frequently the only initial source of money," says David Kelsay, senior vice president of lending for Sierra Central Credit Union. However, he warns, "you never want to use a line of credit for a depreciating asset."
Part of the risk in using revolving credit is that borrowers may find themselves endlessly paying back debt. Rates may be higher, and there is no strict timetable for paying off the entire amount. Once a line of credit is granted, borrowers can withdraw money at will, a feature that is convenient but could also lead to excessive borrowing.
Still, a line of credit can be key to business success. Albibi relates the story of one of his clients, Sohail Masood, who founded the infusion therapy firm KabaFusion. Masood is a finalist for the Ernst & Young Entrepreneur of the Year Award for the Greater Los Angeles Region in 2016, but his company's success wasn't always a sure thing.
"He was within two to three months of filing bankruptcy," Albibi notes. However, Masood took out a home equity line of credit which helped sustain the business while Albibi worked to help him secure a $5 million loan from the Small Business Administration. The line of credit was a last resort, but one Albibi credits as helping the company turn into a successful venture that is on track to pull in $100 million in revenue this year.
Personal and commercial loans. Loans from a credit union or bank are a traditional way to start a business. Personal loans are typically for smaller amounts and rely on a person's own creditworthiness for approval. Meanwhile, commercial loans may be appropriate for larger amounts or businesses that will have large inventory and infrastructure costs.
However, it may be hard for start-ups to get commercial funding without a proven track record of revenue or a compelling business plan. As a result, some financial institutions may offer start-ups a combination of personal and business products. "[We're] trying to get them into a loan that's good for them, not the bank," says Samantha Paxson, chief marketing officer for CO-OP Financial Services.
Paxson says credit unions, in particular, tend to fill a niche for business start-ups. They may offer more flexible lending options and be willing to work with borrowers who have lower credit scores. When it comes to commercial lending, Kelsay cautions there is little oversight and terms can vary widely by institution. "It's not the wild west, but it's pretty much whatever the market will bear," he says. Before applying for a commercial loan, be sure to carefully review the repayment terms, interest rate and fee schedule.
Online funding options. The 2015 Small Business Credit Survey, conducted by the Federal Reserve Banks, found half of small business applicants were either denied funding or received less than the requested amount. Kathryn Petralia, co-founder of online lender Kabbage, says her company is trying to meet the needs of the businesses that find themselves locked out of traditional lending sources. "As long as a business is generating more than a few thousand a month, there's a good chance they'll be approved," she says. Kabbage offers a simplified application process and lines of credit of up to $100,000.
While Kabbage offers money that needs to be repaid, other online funding sources may provide start-up cash that comes as a gift, rather than a loan. Crowdfunding sites like Kickstarter and Indiegogo let start-ups raise capital that doesn't have to be repaid. Creative projects that generate social buzz tend to do best on these platforms, and many people contribute to a cause in exchange for promised rewards such as access to an early product release.
Before using a crowdfunding site, business owners need to understand the terms of service for their chosen site. While some platforms let people raise money without any strings attached, others may give funders equity in the business.
Government programs. Despite what you might hear on late night television commercials or read on the internet, there are no government grants for small business start-ups. However, the government does offer a number of low-interest loan programs, including some specifically targeting women or minority owners. GovLoans.gov provides an online directory of all loan programs.
Thursday, 26 May 2016
00:52:00 0

next version of the iPhone


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The next version of the iPhone is almost certainly in the pipeline.
And after last year's iPhone 6s upgrade, it's likely the technology giant will reveal a brand new design for this year's iPhone 7.
Even though the hot new gadget is unlikely to be announced before the autumn, plenty of rumours are already circulating online.
These include predictions and comments from analysts and even several leaked pictures that allegedly show early prototypes of the phone itself.
But whatever Apple is building will have to work hard to keep pace with brand new phones from the likes of Samsung and LG.
We've gathered together all the latest news surrounding the phone into one place and will continue to update this as we learn more.



ConceptsiPhone
Imagined appearance: This might be what the iPhone 7 looks like- but it's not out 'til next year

Latest news

New pictures have surfaced that appear to show a version of the phone with a completely blank front panel. They seem to suggest that Apple will drop its famous home key in favour of an on-screen button.
Taken in China and obtained by the blog site Apple Insider, the pictures have now been widely circulated around the internet.
The shady pictures look to be taken quickly and without much thought to lighting or presentation. They show what is allegedly a new iPhone with a very different design.



AppleInsideriPhone 7
iPhone 7 leak?

There is also no evidence of a headphone jack on the bottom of the phone. However, the external speakers on the bottom look similar to previous iPhone models.
On Chinese social media site Weibo, a new picture supposedly showing the back of the iPhone 7 has been doing the rounds.



Weibo

The main noticeable detail is that the "camera bump" from the iPhone 6s appears to have carried over to the new design.

Release date

Taking Apple's release date history into account, it's likely we'll see the iPhone 7 officially revealed in September 2016.
Both the iPhone 6s and the iPhone 6 were revealed in September and Apple has no reason to change its strategy.
There's also nothing wrong with taking advantage of Black Friday sales and the run up to Christmas.



Yasser FarahiiPhone 7 Concept
The iPhone 7 could be even slimmer than the iPhone 6

If we had to be specific, we would estimate the announcement date for the iPhone 7 being on a Wednesday or a Thursday in either the first or second week of September.
The iPhone 6s announcement was held on September 9, 2015 and Apple could plan a repeat performance.

Design

Apple's iPhone 6s has been a big hit for the technology giant - but it didn't alter much when it came to design.
That could be about to change as rumours suggest next year's model may drop the iconic home buttonon the front of the gadget.
Designers around the world are speculating on what Apple has planned and one artist, Marek Weidlich, has created an intriguing concept.



ConceptsiPhone
Is this what the iPhone 7 will look like?

Weidlich has turned the entire front of the futuristic smartphone into a screen - leaving no home button or any visible bezel.
"I focused on simple design language which is very important for Apple," Weidlich said.
"I designed a curved display without a bezel, and equipped with a software home button."
Both Samsung and LG have embraced curvy screens with the Samsung Galaxy S6 Edge and the LG G Flex 2 respectively.
It's unlikely Apple will follow suit but then the world's most valuable company has frequently had a problem with bending phones.
Apple's last two releases have been with 4.7-inch and 5.5-inch screens. This covers a broad range and the tech giant could decide to keep things as they are.



Herman HaidinAmazing 'liquidmetal' iPhone 7 concept shows what Apple's next-generation smartphone could be

Dropping the headphone socket

Fans have been infuriated by new which claim to show a drastic change in one of the key features of the iPhone.
Pictures were obtained by the Taiwanese site Apple Club , which previously published the first schematics showing the protuding iPhone 6 camera lens, before being republished by 9to5Mac.
They appear to confirm rumours that Apple is set to remove the headphone socket from the iPhone 7.
If true, this will probably mean anyone who buys the next version of Apple's iPhone will have to use wireless headphones or fork out for a pricey converter.