The Power of SEO

Ever since the Internet boom in the dawn of the last decade, there have been innumerable practices which have been developed as well as used widely to enhance the power of the virtual world- Internet. And in most, the leading Internet companies have been successful in executing their policies regarding the design of the websites as well as the content part to optimize their rankings on the social search engines like Yahoo!, Google, MSN, etc. In the wake of such policies, various SEO services have been provided by hundreds of thousands of small and big companies related to the field. Some of the services are related to areas of web design and development, database programming, e-commerce, e-Learning, to name a few. Search engine optimization (SEO) is a great way to attract enormous traffic on a particular website. This further result in the revenue growth of the particular website company. To make sure that unprecedented amount of traffic occurs on a particular site, there are several expert SEO services provided by various players to make it happen.

The small and big level best SEO services providers help all their customers to highlight any of their customers’ otherwise unseen websites on any of the major search engines. Practices like effective website marketing, organic rankings, and SEO based content usage are done along with maintaining the utmost fair standards of search engine placement. Since after building a website, adjusting it to the first page of any search engine results pages is extremely important. And this feat can also be achieved by using the services related to SEO as laid out by the watchdogs of the Internet industry. Those who adhere to all the policies are referred to as the white hat services provides and those who do not, the black hat. Expert SEO Services also include a great deal of affordable Internet marketing techniques so that the results should be humongous.

This not only makes any company a well known service provider but also increases the revenue for itself too! With the help of various Internet SEO marketing strategies, any SEO company can work wonders for their clients’ websites in a matter of few days. The experts also ensure that they continually work to grow the traffic on their customers’ websites. The SEO services especially help the small and medium level enterprises in recognizing their growth and promote them as a popular brand on various search engines. With the proper usage of powerful medium like Internet and its concerned techniques, any website can reap in rich dividends, increased traffic, and increased visibility.

Best Internet SEO Services in Increasing Your Site Traffic

People operating their web sites and normally survive because of the Internet must decide to use the most suitable alternatives about SEO. Certainly, a site that generates more visitors is benefiting from the SEO services that advertise it over the Internet. It is always best that to accomplish your goals online, you need to make sure higher website ranking primarily. As for new web marketers, this is necessary to regard. One best solution to get higher ranking is to look for a niche market that is not that strict.

Once you discover beneficial things around, do not miss the chance. With regards to individuals who may not be familiar about search engine optimization, the online world is ready to help them. If you want to guarantee success on the web, getting quality services of SEO experts will be favorable. It just means a dependable company that give excellent services for SEO marketers easily boosts the website. Even though it requires you to pay for these professional services, it exceeds the level of success that you will achieve. Link buildings are excellent methods to promote a site, this is actually a decent SEO company will give. Without a doubt, your site becomes more popular each year due to this strategy. The most imperative service for SEO is to provide the website reliable keyword research. Right before using the keywords you select, it is always best to evaluate them carefully if they can bring the site on top searches.

If you want to educate yourself to become a smart online marketer, learn to search the best keywords. As expected, if you are willing to spend to allow a good company to research keywords for you, it is easy to get higher ranks. In addition to working with the firm better, you ought to tell what your expectations about your niche or business. The business will undoubtedly benefit from this by using related keywords that can increase the ranking. Developing reliable links to the website is also necessary not just focusing on the keywords to use for the niche. The advantage of linking the site effectively, it helps the keywords position themselves on top ranks once the visitors search on the web. Your own anchor text likewise starts to position higher owing to the keywords you are using. What you need to accomplish is to link your web site to many websites offering the same niche and utilize advantageous links. A trusted SEO service provider will always guarantee you better online visibility to promoting your site efficiently. You can as well enjoy a productive niche if this manifest to your web site.

It is also a great idea to attempt using social media marketing or campaign. The usefulness of this type of marketing enables humans to link with each other freely. Apart from using the typical promotional methods, most companies are enjoying to offer social media as well. A company that can handle both social media and web 2.0 advertising will be your best option to take. Research and ascertain the standings of the service provider too. A profitable site becomes more productive by taking advantage of these techniques.

Internet SEO and How Can It Help Your Website

Every website that is put on the web has a search engine ranking. Search engines are nothing but a way through which it gets easier to get visitors on a website and thereby increase one’s business. Search engine optimization therefore is a big industry in online business today.

All the websites work for just one goal and that is to get to the top ten search results of the most popular search engines. Google has captured the market where search engines are concerned. They are so dominating that no other search engine can even think of achieving what they have achieved. A common man’s idea of searching for information is Google search. Other searches like Yahoo, MSN are just names now. When it is so important to get into the good books of Google it is needless to say that this is not an easy road to follow.

The algorithms of search engine rank determination are different and also these algorithms keep on changing after a short period of time. This means that the strategy that may improve your search engine ranking today will not be effective after 2 months. This requires a continuous tap of market and monitoring of the criteria on which the search engines rank websites.

Getting high website ranking is important because if your website is not showing in the first page of search results when one is making a search then you have less chances of being visible to your audience. Nobody searches beyond the 1st or 2nd page at the most, of search results. Therefore, the reason for using SEO is very important today.

Let’s now discuss what can be done to improve this ranking. There are certain ways that are necessary to consider- like giving importance to keywords, which are being searched for frequently. This will help you to set the keywords for your website accordingly. Also keyword density should be kept in mind while developing the content. The keywords are also necessary to be added to the title and headings of a website page to make it easier for search spiders to locate you. Keywords and keyword specific content development should be the prime target because if the content is not up to the mark, then there is no advantage of any SEO practice.

SEO services are available by professional experts in the market as well. One can hire professional experts to develop various services that include indexing of web pages, analyzing and developing keywords and key phrases, updating content, creating back links, social networking and much more. There is nothing that these experts cannot do to improve your search position. They have proper strategies, using which, one can improve internet ranking. These strategies are really effective and therefore SEO service providers are in demand worldwide.

One should choose the SEO service provider carefully because if they are not efficient, they can cause a permanent damage to your ranking.

Internet SEO Tips

In this article I’ll briefly go through the main things you need to concentrate on when doing internet SEO in no particular order.

First of all, when you’ve chosen the keywords you want to rank for, the first piece of SEO you should do is make a relevant title containing your keywords in the title tag. After you finish your title tag, add h1,h2 and h3 tags to your page for some further website SEO. These are basically small title tags and should be relevant and include keywords, h3 isn’t really necessary.

Next you want to 301 redirect your non-www. URL to the www. version, otherwise search engines will class the URLs as two different websites.

Another little internet SEO step is to add meta keyword and description tags to your page. Not an important step but search engines occasionally rip the meta description to use it in search results.

Link building is a also a very important factor in website SEO and you can linkbuild through quite a few methods. I recommend posting on niche related forums that allow dofollow sig links and also writing a few EzineArticles, link exchanges with high PageRank sites are also encouraged but keep that to a minimum.

The anchor text you use in your links should be the keywords you want to rank for, Google give an insane amount of weight to anchor text in links. Its recommended that you use a variation of around 5 different anchor texts so as not to look suspicious or spammy because gaining links naturally i.e. people adding a link to your site if they like it, won’t result in everyone choosing the same anchors so the aim is to look natural.

What is Internet SEO?

Internet SEO or Search Engine Optimization is the process of optimizing a website to increase organic traffic and effectively become more search engine friendly. The aim of the game when putting SEO to practice is to get a website to rank as high as possible in the search engine results (SERPs) for a given keyword.

A few methods of Internet SEO involve link building which is the process of increasing inbound links to your website, a large focus on keywords and keyword density on the pages of the website and the title tag of the website and many more methods. There are a few general areas to SEO but hundreds of small changes that can be made to suit a search engines algorithm and each search engine has a different algorithm which makes the game a little harder. Most web developers concentrate on the dominating force that is Google when they are doing SEO on their site since Google has a massive share in global searches, so massive that other search engines are now pretty much out of the game.

The field of Internet SEO is still in its infancy as is the internet but interest is increasing rapidly and its unlikely to stop as the world is becoming more and more influenced by the internet and the day may come where a large proportion of the worlds economy may depend on the internet, making SEO an even more important area.

The power you can grasp over the internet and over other areas with correct and expert SEO is unbelievable. Just think, if you went about it correctly you could make new unknown sports popular, you could boost tourism in certain unknown areas of the world, the possibilities are endless. The people are there searching away on Google, they just have to be given a direction to go in.

From Cute Baby to Rogue Teen – The Transition In Fashion Style

Most parents do not realize it, but the process of becoming a rebellious teenager begins somewhere shortly after the first few months of life. Babies are told that “this is how you act, this is how you dress, and this is who you are,” through the actions of the parents. The parent that is armed with the proper knowledge however, can nip this in the bud early on.

Consider your own teenage years. You were rebellious, wanting to be anything but what your parents wished you to be, simply because they had spent their life telling you how to dress, what to watch on TV, and all the other “tough love” that they had exhibited. Do you recall how you rebelled? Nine times out of ten the most utilized act of rebellion was the physical appearance. It showed through mostly in the manner in which you dressed. They wanted you to dress all preppy and ‘socially acceptable,’ so in response you wore the generational clothes, in most cases of parent today, that would have been the pop culture punk rock style of dress.

To keep your child from rebelling and doing irreparable damage to your future relationship, start him or her off early in the same style of clothing that you wore back when you were a teen. You remember, the black t-shirts with such pop culture punk rock bands as the Deftones, Blink 182, Fall Out Boy, the Ramones, and Green Day. This will have one of two effects. First, your child will not feel held back and will grow into his teenage years without feeling the need to rebel, or secondly he/she will rebel by wearing nicer clothing. Either way, in the end, you, the parent, are the winner. Just don’t ever tell your children that!

Law Enforcement Articles – The Need for Interview and Interrogation Training

At no time in our modern history have more demands been placed upon the law enforcement officer. Communities are extremely concerned about crime and they are demanding that law enforcement agencies “do something about it.”
It seems that every day, violent crime and drugs occupy the front page of every newspaper in America. Politicians at the local, state and national level like to give the impression of being “tough on crime” and espouse philosophies which, at least outwardly, seem to support that toughness.

At the same time, the public (via the media) is scrutinizing the actions of the law enforcement community more closely than ever before.

The public wants results and, more importantly, to feel safe. Yet, that same public will not tolerate any perceived abuses of suspects’ rights in the process.

Primarily due to the increased cost of incarceration, a concerted push is being made to release prisoners from jails and prisons, with the ensuing increase in probationers and parolees.

Probation/Parole Officers have increased caseloads with no end in sight.

Juvenile crime is sky-rocketing.

Younger, more fearless criminals are becoming the norm, with the media bringing sad tale after tale into our homes on a nightly basis.

When I speak to new recruits, I tell them that what the public wants in a police officer is simple: we want applicants that are warm, caring individuals who are capable of speaking to public groups; conducting demonstrations at schools; counseling troubled youth; rendering first aid; interacting with and assessing problems from a community perspective.

In addition to all of those admirable qualities, we want much more.

If a bad guy is trying to get into our home, we want an absolutely fearless gladiator who will willingly risk his/her very life to apprehend the suspect (without injury to the burglar, of course) and protect our property.

We want, expect and demand all of this for a salary that is far less than society pays a plumber!

Whether a person is a Probation/Parole Officer supervising 100 felons, a Police Officer in a patrol car, a Fish and Wildlife Officer working all alone 50 miles from any back-up, a military law enforcement officer or a Federal Agent working in a structured environment, being a law enforcement officer is an extraordinarily tough and complex job which demands that we apply all of our skills and training.

How has the law enforcement community dealt with the ever-increasingly need for interview training?

Poorly, I’m afraid. Here’s how it works…

In virtually every modern law enforcement agency, much care and consideration is given to the allocation of training, especially that training which requires both expenditures of time and money.

Traditionally, different segments of the agency (patrol, detectives, administration, etc.) have had to compete in a sense for their share of the almighty training dollar budget.

As a result, it is incumbent upon agency administrators to prioritize the available training money.

Training in most modern law enforcement agencies has taken on the semblance of a triage system at an emergency room. Administrators want to send everyone to training, so they end up throwing some money at those who are “bleeding” the most. Due to civil liability concerns, patrol officers mainly receive training emphasizing the motor skills areas (firearms, arrest techniques, emergency driving tactics, handgun retention skills, etc.), said areas presenting the most opportunity for misapplication and a resultant lawsuit.

Investigators receive training geared toward their primary areas of emphasis (interview & interrogation, crime scene investigation, investigative specialties, etc.).

Ironically, an objective analysis of the component parts of the job of patrol officer reveals interviewing skills are utilized far more often than any other skill. Think about it, what skill is used more often than the ability to talk with people and elicit information?

Conversely, what will get an officer in trouble with the public faster than an inability to communicate?

  • How many times in any officer’s life will he or she use deadly force?
  • How many times in any given month will he or she get into a vehicular pursuit?
  • How many instances of dealing with hazardous materials will crop up in an average month?

Contrast the frequency of these incidents against the absolute certainty that we will have to interact with people during each and every shift.

We routinely qualify in shooting, attend yearly hazardous materials safety courses, attend Emergency Vehicle Operations courses and the like, yet most patrol officers never attend formal interview and interrogation instruction after an initial exposure to it in the basic training academy.

Consider the following sober statistics:

o Police Training academies in the United States offer, on average, only 4 hours of training on interviewing techniques during Basic Training.

o 60% of law enforcement training academies in the U.S. don’t offer any interview training at all during Basic Training.

o Less than 20% of all law enforcement officers have received in-service training in interviewing techniques.

Unfortunately, in most law enforcement agencies, the investigators are repeatedly sent to interview and interrogation training, while the patrol officers who apply to attend are routinely turned down. In the bureaucratic effort to make training dollars stretch a long way, administrators often prioritize training requests, sometimes based upon outdated or inaccurate information.

The need exists for inexpensive, easy methods benefit police officers without regard to job assignment, all in an affordable manner.

Compounding the training problem is the current countrywide push toward “Community Policing” and all of the responsibilities inherent with that system. Simply put, Community Policing can be best described as a philosophy of empowerment that allows the beat officer to solve problems. By a collaborative effort with others in the community, police officers are responsible for actually resolving the community concerns, rather than just taking enforcement action.

While the philosophy sounds good, the average law enforcement patrol officer has not been given the tools with which to conduct investigations, interview people, make public presentations and achieve this collaboration to solve problems. Federal grant money has been spread across the country in an effort to promote Community Policing.

Officers have been hired, equipment has been purchased and public relations efforts have been extensive in this area. Unfortunately, officers that do not have the foundation of investigative training may find themselves in an uncomfortable position.

One Community Policing officer recently told me “If I had wanted to interview neighbors, show photo lineups, speak to public groups and work extensively with other public agencies, I would have been a detective. What happened to good, old-fashioned police work?”

One of the primary components of Community Policing is the ability to interact with people in a non-threatening manner which elicits maximum information.

Most basic training academies teach a block of instruction on “Interviewing and Interrogation.” However, these traditional systems stress the structured interview approach to interviewing. The new trainee soon realizes that he or she will conduct hundreds or thousands of street interviews while on patrol and will perform relatively few formal, structured interviews in an interrogation room setting.

There are some very fine formal “Interview and Interrogation” type training classes for law enforcement officers out there (being a polygraph examiner, I have attended quite a few of them), but they tend to emphasize the structured interrogation aspect of the situation and are geared more toward an investigator than a patrol officer.

Look for interview training that does not deal with just the structured interview/interrogation type setting. Again, an analysis of a patrol officer’s daily job reveals that the vast majority of contacts that he or she experiences are not in a structured setting conducive to a formalized method of interview and interrogation.

The Focused Interviewing system is not one based totally on theory, but rather upon practical application. These techniques are being successfully used daily, are very easy to learn and do not require reference texts to be carried in the field.

In this system, we will look at what is wrong (or at least ineffective) with typical street interview techniques, what led us to use techniques that don’t work, what does work and how to develop techniques that will dramatically increase our “confession” or “incriminating statement” rates in dealing with offenders and will be of great value in clarifying statements obtained from victims and witnesses.

4 Reasons to Love Being A PC Gamer

PC gaming is found to be much better than gaming consoles. There are several advantages of using PC games. To be frank I have tried using both, the consoles and playing on PC and trust me PC games have won my heart. It is not that I hate gaming consoles, but It Is that I like games of PC more. Even now at this age games do lure me and call me. I feel a certain drive towards them whenever I see anyone playing around.

The advantages of PC games that I have noticed in particular are as follows-

Affordable games

Video contests or the consoles are very much expensive. Hence buying them every now and then for a common person like me is a bit tough. All the games that are set in the PC can be played for free. No extra subscriptions are required to play like in the play stations. This requires monthly subscriptions in the Xbox Live and PlayStation Plus subscriptions. Also if you are playing multiple player games then you don’t have to pay anything for it as extra charges like in the consoles.

Several types of games

Pc support a more lout of contests than the consoles. By this, you can be sure that you would not be missing out on any of the games. A third party game publisher does not have to stake in for a particular platform performance.

Also playing on the PC through keyboard and mouse offer the speed and accuracy that the games require and the gaming consoles cannot match. That is why one finds frequent gamers of games like Counter-Strike and the like much more active on PC rather on the consoles. So, it is natural that the action games have built their niche in the desktops.

Play how you want to play

This is another great aspect of playing contests on the PC. The PC games give you the freedom. After a long day of work and typing of the keyboard, I like to play games with it. The PC games differ here from the video games. They are wonderful options for choice and flexibility.

As real as you want it to be

The hardware inside your PC makes the gaming experience all the more better. While you play on Play Station 4 and Xbox One the resolution is between 720p and 1080p. This is the common range that television sets make use of. So, you can well imagine the quality of pictures you get on the PC. In PC you can actually choose the hardware you want to use and also the software.

All these features of the PC make games easy and better for the users. These are just the primary reasons why one should love PC games. If you can try playing games on both PC and a gaming console and find out the difference yourself.

When an Offshore Bank Fails

Introduction – What we are going to do is describe the legal and mechanical process relating to offshore bank failures. We will discuss what leads up to them, what happens if they fail, and how do the depositors get their money back. The terms and scenarios we depict are generally what happens in the world of offshore banking. In some jurisdictions the terminology and procedures may be slightly different but the general way things proceed will be in line with the scenarios depicted in this article.

Offshore Banks – A brief definition of this term is in order. These are banks that are located in various countries around the world many being in Caribbean Island Nations. These banks have a license that enables them to only do business with people and entities (trusts and corporations) that are not from that country. The offshore jurisdiction does not trust the offshore bank to accept deposits from its citizens or corporation filed in that country. This right away should tell a moderately astute investor that he or she is perhaps not exercising the correct amount of caution when it comes to selecting a bank and an offshore jurisdiction. So the first warning sign is be careful of offshore banking licenses. A bank can be in an offshore jurisdiction and not have an offshore banking license, instead be a regularly licensed bank. Offshore bank licenses can be had in some jurisdictions with as little as a $50,000 deposit with the country issuing the license. Usually this amount is never more than $500,000 and many countries require less. As a point of comparison a regular bank operating in Panama is required to post $10,000,000 cash deposit and the owners go through a rigorous background investigation.

Bank Failure – This is a term relating to the offshore bank being unable to fulfill the demand for funds from their depositors. This can occur for a number of reasons, some bad and some not so bad. The offshore bank may have been found to be below its protective ratios and the government bank auditors or financial ministry may decide to shut the bank down in terms of money going out for a limited period of time to see if the bank can return their ratios quickly to an acceptable level. In the event the ratios return to an acceptable level the bank operation resumes normally and the depositors may not even know anything occurred.

Complaints – The way offshore bank failures generally start is with complaints to the licensing authority of the country where the bank is located stating that requests to withdraw funds are not being met by the bank. To document this the account holder generally retains legal counsel in the country where the offshore bank is located and files a formal demand for the funds to bank with a very short deadline. When this demand is not met the law firm will file a formal complaint to the offshore bank licensing authority who will generally conduct an investigation. They may have their own auditors or hire an independent team of auditors to go through the offshore bank records. They will look to see if there are any loans on the books that do not meet the guidelines for lending such as writing not collateralized loans is usually considered an offense. Loans to the principals of the bank are another red flag. Real estate acquisitions like mansions on the island where the offshore bank is located for the bank executives to live in is another red flag as well. Usually without loans the bank would not fail to meet its ratios. When these loans go bad and there is no collateral to go after then the banks get into trouble. The complaint process is possibly the only way the government is going to know their offshore bank is in trouble and by then it may be too late, but it may not be too late. Remember we are talking about offshore banks here, not regularly licensed regular banks which are audited and watched way more closely by the government and usually by a different government agency than the agency supervising offshore banks. We as a Panama Law firm do not introduce clients to offshore banks which should tell you something.

Loss of Correspondent Bank – Sometimes the offshore bank has just lost one or more of its correspondent banks and can not execute wire transfers until it replaces the correspondent with another correspondent bank which may take several weeks. When the complaints hit the government they will investigate, see that the funds are in place and allow the offshore bank a reasonable period of time to secure another correspondent bank, checking with them for progress reports. This is a not so bad problem that will only serve to scare and inconvenience the depositors.

Offshore Bank Receivership – This is a process whereby the government agency that licenses the offshore bank takes over the offshore bank to control its operation with an eye towards saving the bank. Sometimes they are successful and well sometimes not. Often a team of professionals from a large auditing or accounting firm are brought in. Receivership practices can frequently mean that a percentage of your funds will be unavailable for withdrawal for sometime. This is to prevent a run on the offshore bank which would for sure topple it and thus cost the depositors substantial losses. You may be only able to take out say 25% of your funds. What can often happen is the depositors lose faith and take as much money out as they can and avoid putting in any more money. This usually results in the offshore bank failing totally and being shut down.

Suing the Offshore Bank – What often happens in these offshore bank receivership scenarios is some depositors get scared and act jumpy and sue the bank. The lawsuits generally involve having the court encumber or tie up an amount equal to their deposit. To accomplish this the depositors generally have to resort to deceit or twisting the truth minimally, to make the court think they were not ordinary depositors or the amount in question consisted of funds to be handled in a special exceptional manner. The way the depositors are playing their hand is get the court to hold my money before the bank goes down completely and then my funds get mixed in with all the depositors in the fracas. If one files such a lawsuit they are generally excluded from filing claims as regular creditors (depositors) of the bank in the event of a liquidation and if they lose their lawsuit (an expected occurrence if based on fraud or deceit) they can lose all. Usually several depositors will file such lawsuits if there is any official action taken against the offshore bank and this could push the offshore bank into greater difficulty and if there is a bank liquidation it will be a most complex one with a lot of depositors funds eaten up in legal fees.

Offshore Bank Liquidation – This is of course the sword of gloom in the world of offshore banking. For things to reach this level the government had to have felt that the offshore bank is not salvageable. Generally a bunch of depositors filing lawsuits and jamming up the court system of some island jurisdiction is going to encourage the government there to liquidate the offshore bank in hopes of freeing up their courts. Imagine an offshore tax haven island court system. A small building with one to three courtrooms and maybe three or four judges. These courts hear divorce, child custody, personal injury as in auto accidents, bankruptcy, collection cases, resident disputes with building contractors, traffic court cases, and criminal cases. The court is there to enable the island jurisdiction to function as an independent governing state. It is not going to jam up its courts increasing the wait times for its citizens that are trying to deal with vital matters like child custody where one of the parents is an abusive drunk hurting the children. When the offshore bank gets put into liquidation generally the court cases can be disposed of quickly or even by summary dismissal. The government knows that the people behind these lawsuits are trying to get more money than they would if they just waited for the liquidation to proceed and are not amused by their litigious behavior.

The Offshore Bank Liquidation Process – So now the bank is in liquidation. What does this mean? Basically a liquidator will be appointed to determine what assets the bank has, liquidate what can be profitably liquidated and then see how much money is left. The remaining money will be divided up among the depositors fairly depending on how much they had on deposit in the offshore bank. They will get a percentage of their deposit back. What would be a good return in a liquidation, 75%. What would be a bad return well there was a liquidation in Latvia a few years ago where the depositors got 2%. What is a typical return? There is no number but it should be 33% to 60% unless the bank has been really mismanaged.

The Offshore Bank Liquidator – This is generally a person with an accounting, legal or banking background. They can understand the books of the offshore bank and the laws pertaining to the offshore bank and the liquidation. If the offshore bank had secured loans that went bad (payments not be made according to written loan documents) they will analyze the worth of going after the collateral. If there was a farm in Argentina posted as collateral for a three million dollar loan he may order an appraisal of the farm to see if it really worth that much. If the value of the farm is more than the legal expense of securing and liquidating the asset the liquidator should go ahead and liquidate it. This process may take a year or longer. If a loan was made to a trucking company in Belgium for a fleet of trucks the same liquidation process may occur. This sort of liquidation may take even two or three years depending on what type of liquidation processes may need to be followed. The borrower may file bankruptcy making the liquidation of the secured assets difficult and time consuming in some countries. The bankruptcy court might let the borrower continue making payments and keep the asset which can make for a rather problematic liquidation because now the loan must be sold to reduce it to a net value. Generally such a loan is going to go for a deep discount at best. The liquidator may have to sell the banks real estate, computers, office equipment and furniture, cars, boats, planes etc. All this is time consuming and the assets should be sold at an auction to keep things fair avoiding accusations of selling under the market for kickbacks. There is an inherent conflict of interest in the liquidation process. The bank liquidator generally gets paid handsomely. Think perhaps $150 to $300 an hour or maybe $10,000 to $30,000 per month. It is in his best interest to keep things going for as long as possible. The lawyers the bank liquidator uses are also under this same conflict of interest. How honest and upright these people are going to be is something for which there is no rule but there is generally a control element in the form of a creditors committee. In an honest liquidation the liquidator may elect to distribute the readily available assets the offshore bank has right away. These assets would be the actual cash deposits. This is an encouraging sign to the creditors. Money would usually be held back to allow the liquidation to proceed further allowing for legal expenses etc. Then as real estate and other assets are sold further distributions would be made. Not all liquidations are done so directly.

The Ugly Side of Offshore Bank Liquidations – Sometimes the offshore bank assets are deposited by the liquidator in another bank. Whether or not this is in an interest bearing account is always a good question. If there is $12,000,000 in cash in a bank the interest at 4% a year is a serious amount of money that will tempt people. Legal fees can be padded and kickbacks made to the liquidator from the law firm located on the island jurisdiction the offshore bank is in. Some of these islands where these offshore banks are have less than 100,000 people living in the country. You are foreigners and don’t expect such honest treatment in these tourist island jurisdictions. They may view these offshore bank liquidations as a feast for the locals courtesy of all the rich foreigners. Excessive travel can be run up by the liquidator. He can travel abroad going first class all the way even bringing the lawyers along, all on the clock. The liquidator can reach crooked settlements with people who posted collateral for loans with the offshore bank. Depositors of the offshore bank can file lawsuits for special treatment and the liquidator can settle with them in a crooked manner for an illegal kickback and then they get all their back while you only get a fraction back. Real estate owned by the offshore bank can be sold under market value for a kickback to a friend or relative of the liquidator. Same can be done with cars, computers etc. The liquidator can elect to chase assets not worth chasing to continue his high paying job some years longer than it should require. Remember offshore bank liquidations do not come along every day and the liquidator has no idea where his next job is going to come from. There is a check and balance usually in the bank liquidation process which is described below.

Offshore Bank Liquidation Creditors Committee – A creditor of the offshore bank is generally a depositor but it could be the electric company or the phone company. Generally, the employees are considered priority creditors when it comes to their wages and they get paid off first and fast. The depositor is owed money by the offshore bank based on their deposits, thus he or she is a creditor as far as the offshore bank liquidation is concerned. An offshore bank liquidation is sort of like a bankruptcy proceeding. In an offshore bank liquidation a creditors committee is formed which is something done in many bankruptcy proceedings. The creditors committee could possibly have been formed before the liquidator came into office and they appoint the liquidator with or without the approval of the court, rules vary some depending on the offshore jurisdiction involved. The creditors committee generally is voted into existence by the creditors, the creditors with the most dollars on deposit having the most votes is one way to look at it. All creditors are generally not treated equal. The creditors committee members are all on the same side and that side is interested in getting as much money back as they can. Decisions as to how to spend money chasing assets or potential assets are usually made by the liquidator but the creditors committee can exert control over the liquidator even replacing the liquidator in extreme circumstances. Some bank liquidations have taken place without creditor committees in place. These are generally less than above board liquidations.

Creditor Claims in Offshore Bank Liquidations – When the liquidator is in office the depositors are generally required to file claims. The claims process involves filing identity documents with the liquidator and identifying your account and how much money was in it. Offshore bank liquidations are conducted in open court and these claims wind up as exhibits in the public domain. What I am saying is bank secrecy is not in place once the bank is in liquidation. What one can expect to see is a fair number of depositors failing to file claims because of various reasons often relating to bank secrecy. Of course this means a greater recovery for those who do file the claims while the other folks walk away with a total loss of their funds by choice.

What to do if you are in an Offshore Bank Liquidation – If you are already involved in a bank liquidation you made a mistake and you are going to get hurt. How badly hurt is the question so you should be trying to mitigate your damages. If a creditors committee is forming try to get involved actively, even try to sit on the committee. If the liquidator has not yet been appointed do get involved in that process. Try to find ways to meet other depositors. Call lawyers on the island and ask them to represent a group of creditors collectively. Rest assured other depositors will be calling lawyers on the island and the lawyer can be a contact point to form a creditors committee. The idea may not occur to a lot of these lawyers so help them out a bit. If you can get a creditors committee in place and have it appoint a liquidator you will probably have a honest liquidation, probably. That having been said one must still leave room for the offshore bank itself having been intrinsically dishonest and the bank owners have since ran away with the funds. When you read the offshore bank liquidation horror stories you see that the money trail goes from country to country, bank to bank and then it ends up with a large cash withdrawal which is usually the end of the trail. The offshore jurisdiction may fail to ever prosecute them or file charges which of course make one wonder what was going on. So the key here is to get involved actively. It is real important to open communications with other creditors and get organized.

How to Avoid Being in Offshore Bank Liquidations – The answer is of course simple, avoid offshore banks. Stick to banks with full banking licenses that can conduct banking business with the residents of the country as well as with entities not located in the country.

Offshore Bank Alternatives – The best alternative to these tax haven island offshore jurisdictions is Panama. Panama is a solid offshore tax haven jurisdiction that does not tax offshore derived income and has no capital gains tax or tax on stock market gains. Panama has fully anonymous bearer share corporations where the owners are not recorded in any registry or database. Panama has anonymous foundations which are able to have generally non-freezable bank accounts. Panama has no tax treaties with any country so fishing expeditions are not going to happen. Panama has the tightest bank secrecy laws in the world and when coupled with an anonymous bearer share corporation it becomes the most secure and private structure one could have in the world today. Panama has 400,000 corporations registered there as well as many of the merchant marine vessels and cruise ships in the world. Panama has about 150 banks many of which are large multi-billion dollar international conglomerates, yet the banking operation in Panama is a separate bank corporation operating under Panama bank secrecy laws. Panama has not had a bank failure in over five years. Panama has had only a few bank failures in its history whereas Switzerland had over 15 bank failures during the years 1999 to 2000. Panama tightly regulates its banks. Every Panama Bank must submit monthly auditing reports to Panama’s Banking Superintendent, which is under direct supervision by the Banco Nacional de Panama (BNP), the National Bank of Panama. A list of prominent international banks in Panama includes: Citibank, HSBC, Dresdner Bank, Bank of Tokyo, Bank of Boston, Banco Nacional de Paris, International Commercial Bank of China, Societe Generale, Banque Sudameris, BBVA, Banco Uno, Banco General, PriBanco, Banco del Istmo, Global Bank, MultiCredit Bank, PanaBank, ABN Amro, Banco Aliado, Banco Continental, BancoLat, BIPAN, Lloyds TLB Bank, and the Bank of Nova Scotia. Many of the Panama banks own office building skyscrapers 40+ stories tall with their name on the building. These are not grocery store sized banks found in the island jurisdictions. The Panama Stock Exchange has an average trading volume of $900,000,000.

Panama is free of hurricanes, volcanoes, tornadoes, and earthquakes which is why the Panama Canal was built there. Panama uses the US dollar as their national currency. Panama has modern telephones, cell phones and internet being a country having been built by the Americans which left Panama in 2000. Panama has a treaty with the USA calling for the USA to protect the Panama Canal if it was threatened. This means the peace and security of the Republic of Panama is protected by the USA which could have jet fighters there in minutes. Panama is the new Switzerland of the world.

Home Furniture Selection Tips

The variety of home furniture in the market is so huge that customers are easily confused over what to go for. Furniture size, color, type and more need to be put into consideration and the room that the furniture would eventually reside in coupled with the residents of the house need to be kept in mind before making your selection.

The first question you would need to ask yourself is whether you have little kids at home. If you do, then it would influence the make of furniture you might go for. Furniture like fabric sofas, and glass coffee tables should be the last option as kids may spill stuff on the sofa that makes it difficult to clean up. Glass furniture are easy to break and may be injurious to kids.

Next, you need to take the size of your home into consideration. If space within your home is a constrain, you would be better of with lighter colored furniture and furnishings and small to medium sized furniture. However, if space is not an issue and you have spacious rooms, consider darker furniture of good sizes to accommodate residents so that your home does not look too vacant.

Leather sofas and other furniture made from leather are easy to clean but mostly do not come cheap. Alternatives often are PVC furniture or Faux Leather furniture. Solid wood furniture also make a good addition and might come painted in various colors adding to the look and charm of your room.

Armed with the above basics, you can now go for your next furniture shopping and be spoil for choice. At least, now you know what to avoid and what to buy.

Collectors V Resellers, Can’t We All Just Get Along?

Tens of thousands of years ago the very first humans survived as hunters and gatherers. Our ancestors went out into the wild with basic tools and weapons to hunt for meat, and they scoured the forest for fruits, vegetables and berries. At the end of a hard day at the office these simple people would sit around their camp fire dividing up the spoils of the hunt. One of the cavemen always took a little bit more food than he could eat because he figured he could then use it to trade with later. If he didn’t want to tidy up after himself he’d just bribe someone else with a little meat. Didn’t fancy going out and hunting a mammoth? Why, he’d just offer up a handful of berries for any man who’d go in his place. Once the other cavemen noticed what he was doing, some of them kicked off about it, and a never ending argument began.

Okay, now my understanding of the dawn of our civilization might not be one hundred per cent accurate, but the point is that if we fast forward to 2016 then essentially the same thing is going on today. No matter how far we’ve come as a species, there’s always conflict, and there’s always somebody who seems out to get ahead at the expense of somebody else. But who is in the right and who is the wrong? Is somebody doing you ill or is that just your perception of the situation because you’re not getting your own way? These are important questions, and when it comes to the subject of collectors and resellers in the retro gaming community, there’s no easy answer.

The idea of retro game collection is a simple one. The collector wants old games. Perhaps they want to preserve video gaming history for future generations. Perhaps they just really like playing old games that remind them of yesteryear. Maybe they just think that retro games look cool on their shelves. Whatever the reasons behind it, the collector just wants to collect.

There’s something about collecting that most of us can relate to. When you’re at school there’s usually something that’s popular that all the kids are into. When I was in primary school all those years ago it was Garbage Gang trading cards. Man, we loved garbage Gang. We were crazy for them. Practically everyone in our class, boys and girls, collected Garbage Gang, traded Garbage Gang, and played with Garbage Gang on our lunch break. That mentality sticks with many of us as we grow, only most of us don’t carry on collecting Garbage Gang into our adulthood (I sold my complete set in 2010 and put that to rest). As adults our houses become filled with movies, music, books and a lifetime of photos and memories. We have shelves filled with books. Maybe it’s photographs or paintings or furniture. I have a thing for my travel photography and hang them everywhere, but I will always have a gaming collection as well. There’s just something satisfying about having a collection of things you like.

The idea of reselling is, again, a simple one. Like our caveman friend from earlier, somebody will always notice that there’s a gap in the market. Value is, essentially, whatever someone is willing to pay for something. You might not think that a handful of berries are enough compensation for going out and facing a woolly mammoth in battle, but if someone is willing to fight that mammoth for you then that’s what the berries are worth. The principle hasn’t really changed over the years. If somebody is willing to pay top dollar for something, then that’s what it’s worth.

But at what point does selling something on become morally questionable? Well, what if our caveman friend with the berries knows his friend just really loves berries and knows he’ll work for them? Is that fair? What if his friend is starving to death and he’s putting him into a dangerous position because he knows he needs the food so badly? Then it’s a little more questionable, surely, and you can understand why some might find that tactic to be aggravating.

Collecting versus reselling is an argument that has arisen within the retro game collecting community in recent years precisely because of this moral grey area. Collectors want to collect because that’s what they like to do. Whether they’re doing it to play the games or to look at them or to preserve them, they’re doing it because of a love for collecting and not for their own personal monetary gain. Resellers have noticed that old games are highly sought after by these collectors, and so they seek to acquire games, particularly rarer titles, to then sell them on to the collectors for profit.

It’s easy to see why the collectors might find reselling so contemptible. Reselling effectively drives up the market value of games, which makes it more difficult for collectors to do what they love to do. A reseller might go to a garage sale and spot some old games that they know are worth serious money to the right people, but to the people selling them, they’re just junk that they’re selling for pennies. Have you ever seen Toy Story 2? It’s essentially what the chicken man does when he spies Woody in the garage sale. He knows that the cowboy toy is worth big money and so he wants to try and trick Andy’s mother into selling him for next to nothing so he can maximise his profit. The chicken man might be a comedy animated villain (voiced by Wayne Knight, no less) but there’s people out there doing that every weekend to try and make money from video game collectors, and so isn’t that something we should be annoyed about?

There’s something that seems inherently shady about buying games that you know are worth a lot of money from someone who doesn’t have that knowledge and is selling them cheaply, and then exploiting that situation for your own benefit. But is the reseller really to blame?

For many thousands of years gold has been a valuable commodity here on Earth. The reason that it’s so valuable is that it’s so rare. As I learned in a documentary starring Professor Brian Cox a couple of weeks ago, gold is formed when massive stars explode, and those are such rare occurrences, that if you were to collect all the gold the human race had ever found it would still only fill three Olympic sized swimming pools. Today, we attribute value to things other than shiny, rare metals we dig out of the ground.

Games and gold aren’t so different. Resellers are, essentially, modern day prospectors, heading out and looking for the precious items that they’ll then be able to sell on to the highest bidder (quite literally in many cases, since these games widely end up on eBay). Resellers are searching for a rare or valuable commodity and then they’re selling it on to make money. Collectors find it distasteful because they think it drives up the cost of the games they want to collect, and because the resellers in question aren’t buying the games for the love of collecting, but for the love of profit.

But should collectors really begrudge resellers a money making opportunity? We all make money in our lives. And we all do different things to make our money. Is making money from selling old games any worse than, say, selling your old clothes? Presumably, somewhere out there, there’s somebody that loves collecting old clothes. Are they currently on an Internet forum somewhere, moaning about people who don’t care about collecting clothes going to charity shops and snatching up all the bargains?

More importantly, do the actions of resellers actually negatively impact the ability of collectors to collect? Value is what somebody is willing to pay for something, but if they can get it cheaper elsewhere then they’ll likely do that. A reseller can’t charge too much for the game he picked up at a garage sale because, unless there’s only one copy in existence, somebody else will be selling it at a much more reasonable price and the collector could just buy it from them. That’s how the free market works. Buys and sellers, together, determine the market value of an item. And so if collectors aren’t paying ridiculous prices for the games that resellers are offering, then those resellers will need to lower their prices. It seems short sighted to believe that there are evil resellers out there buying up all of the stock of old games and making all of the poor collectors remortgage their houses just so they can afford a copy of Stadium Events on the NES or Power Strike II on the Sega Master System.

The truth, as is generally the case in this sort of conflict, is somewhere in the middle. Resellers are, essentially, buying something and then selling it on for a higher price. That’s exactly the same as what shops all across the world do, including the shops that collectors will often go to on the hunt for classic games to pick up. Collectors often pick up a handful of games off the forums or a Facebook gaming page, knowing they’ve already got most of the those games and are only buying the bundle for the one title, they then sell on those duplicate copies of the games they own, unwittingly becoming resellers themselves. I’ve done it myself. We all have…

There’s no real black and white answer here. It’s easy to understand why some collectors might hate the idea of resellers getting in there before them and finding a classic game for a bargain. But there’s nothing, fundamentally, wrong with somebody selling items to make some money. It’s no different to how any shop works. Buy low, sell high; it’s the general principle that any business across the world operates under.

Maybe it’s high time that collectors and resellers put down arms and just did their best to get along. A good friend of mine who is a proper, die-hard collector has befriended one of the said resellers and now gets offered first dibs on the minty fresh stock the guys finds each week. That seems like a great solution to me! There are more than enough classic video games out there for everybody, and if occasionally you have to pay more money than you’d like to pay for something then that’s just the nature of collecting something. If you want something that badly then you should be prepared to pay for it, and if you’re not then are you really that committed to collecting, or are you just hoarding?

Hobbies cost money. My bank balance can attest to that. Over the years I’ve spent a fortune on things that I enjoy, and I wouldn’t even dare to guess at how much money I’ve spent on video games. Do I resent it? No. Gaming is my hobby, and I’ve been collecting games for over twenty years because of that. As we talked about earlier, value is determined by how much someone is willing to pay for something. That counts for collectors too. How much will you pay for something you enjoy doing?

Choosing Your Ideal Wedding Flowers

As well as everything else to be planned for your big day, you need to choose your wedding flowers, which for many brides is one of the most enjoyable selections they get to make while arranging their wedding. While some women prefer to have a very personalized bridal bouquet, others see their wedding flowers as a chance to keep their overall wedding theme running through every aspect of the ceremony.

A wedding bouquet is the finishing touch to your bridal dress, and a well designed one will enhance your ensemble, bring out your best features and coloring and complement your bridesmaid dresses as well. Wedding flowers are also one of the most prominent features in photographs, so make sure you are happy with them as they will be in your memory for a long time.

There are whole galleries online of wedding flower ideas to help inspire you, and some places allow you to buy bridal bouquets online directly for delivery on the day, which can be very convenient and cost-effective. There are plenty of forums and florists on the Internet which can give you starting points for flower arrangements and color ideas, and you can also look at photos of other weddings, bridal magazines and even in the window of your local florist to get your imagination going.

If you have a wedding theme idea, think how to integrate that into your bridal bouquet and other flowers. For example, you could add some shells to a beach wedding theme, or some sprigs of holly for a Christmas wedding theme. For colors, it is a good idea to have a swatch of your bridesmaid dresses to make sure you can get matching or complementing colors for both the blooms themselves and any wraps or ribbons.

You might want to pick one or two types of special flowers which you would like to feature; perhaps they have a special meaning for you or are associated with memories of yourself and your groom, or others in your family. However it is still a good idea to work within the seasons depending on when you are having your wedding party. Although popular choices like roses and lilies are usually available all year, many other flowers are seasonal so prices will fluctuate. If you want an out of season flower in your bridal bouquet you could have it imported but this can be very expensive so it is best to stick to locally sourced blooms if you can.

Latest Games – Infusing Entertainment in the Lives of People

Latest games have become the hot entertainment option for people. Games of various categories, belonging to various range flood the internet. Some of it are available free of cost while for others one has to pay for. It has also become a trend to load fascinating games with every appliance be it a mobile phone, a laptop or gaming consoles.

The latest games are a part and parcel of our lives. People cannot think of a gadget without games loaded in it. It has become such a passion that people log on to different sites in the internet just to download fascinating games. Everyday new games are developed and uploaded on internet sites. So, now one has to just avail internet and download the game of his or her choice. It adds entertainment in people’s lives with no options left for boredom. The users can play them on their personal computer or mobile phones as the case may be.

Gaming thus has become a fantastic experience for people all around the world. Now people can enjoy themselves from home or even while traveling to distant places. The only thing that is required is that the gadget used should have long hours of battery support. If that is there, then entertainment is assured by the latest video games. Games such as road rash, racing, puzzles and others entice gamer with their various fascinating targets and levels.

These games can be downloaded after browsing the various sites on the internet. Online payments are also possible for games that requires to be purchased. The downloading process is also very fast and it requires only a few moments for people to download games. Most of the games are compact and so do not occupy much memory space of the gadget where they are installed. The entire process of gaming is very fascinating for every user.

Free demo version of upcoming games are also available for people to test it before buying. There are also games that one can play directly on the internet. People can win exciting prizes on playing these games. It makes gaming all the more fascinating.

How To Get Unlimited Music MP3 Downloads Instantly

Ever wondered how to get unlimited music MP3 downloads? Music lovers probably have asked the same question many times. There are of course dozens of websites that talk about them but not everyone has the luxury to find out and look through the tons of information. The aim of this article is to show you how to find unlimited MP3 downloads and yet do so affordably in the simplest way possible. You will also discover more hot tips about MP3 music downloads.

Unlimited music MP3 downloads can be found at online music stores like iTunes for iPod, and other stores like HMV, Walmart and more. These are music giants and have some of the largest offerings in the world. Though they do not exactly have unlimited music MP3s, their collection often go in the range of millions of songs, music videos, sound tracks, music etc. Normally, it would cost you about 99 cents or below to download per music or song.

Nowadays, some music stores have taken the level of competition a bit further by offering monthly or even yearly memberships. Several offer a limited number of music MP3 downloads while others let you download unlimited number of music MP3 files. This move has totally revolutionized the way music downloads are previously handled. Needless to say, when you can access millions of music MP3 downloads for a small one-time fee, you would be downloading music online whenever you are free. You also need not think twice whether you should download this song or that since you can download both and all.

Everyday, it is estimated that tens of millions of music MP3 downloads take place around the world from these music download sites. Now that we know that there are places to download music MP3s for a lifetime fee, it is best that we also learn how to find a great site to download. There are a few important questions you need to ask before you decide.

1. How many different music genres does the music MP3 download site have?

If I were you, I would subscribe for a music MP3 download site with as many music genres as possible. Your taste for music may change with time. Today, you might like J-pop, tomorrow, it could be hip hop or even classical instrument pieces.

2. How much does it cost to get unlimited music MP3 downloads?

There are music sites that offer lifetime memberships for a one-time price. With this choice, there is no need to go with monthly plans. But even for one-time fee, never go for anything above $50. In fact, the rates nowadays are so reasonable that you can easily grab one that costs you below $40.

3. What are the usage rights for the songs you download?

Not all sites are the same for unlimited music MP3 downloads. Several membership sites allow you to download and burn the music onto CD to be played on other devices while there are others which restrict you to downloading onto your digital player only. Save the trouble by joining sites that give you no-restriction rights.

Once these three questions are properly answered, you would have found the ideal site for unlimited music MP3 downloads. To quicken the whole process, visit my music blog and see for yourself which are the best places for unlimited music MP3 downloads.