Pinnacle Notes Class Action

The US lawyers told me that the a hearing was held on 28 Sept 2011 on whether the case should be heard in US Court. The judges have not given their decision yet. The lawyer will keep me posted when a decision is made. For Pinnacle Note investors, keep your fingers crossed!

The Advantage of Choosing Courtenay Real Estate

Real Estate in Courtenay BC is the perfect example of a great real estate property. It is composed of landscapes that are made to perfection. People who are lucky enough to have a chance to own a property in this magnificent Courtenay BC Real Estate will enjoy their lifetime spent in Courtenay. They will truly never regret the time they made Courtenay BC Real Estate a part of their lives? greatest possession.

It is in living in Courtenay BC that one can see clearly for himself the value of his money. Spending a hard earned wealth needs proper identification of things money is to be delegated. Real Estate in Courtenay BC would never be a course of failed decisions of money spending because buying a Courtenay BC Real Estate property really has something to offer to its valued clients. Real estate industry is giving away the latest conventions in real estate through the Courtenay BC Real Estate properties.

A wide variety of great houses especially made with their individual amenities are available in the Real Estate in Courtenay BC. The properties in Courtenay Real Estate are carefully developed to fulfill the ranging needs to comfortable living of all interested real property clients.

You are probably out of your mind if you ignore such an opportunity that only comes once in a lifetime. There are also some personal problems that may be encountered by someone who would never have the chance of getting the best of their money?s worth in buying a Courtenay BC Real Estate property.

With all the advantages of the comfortable Courtenay BC Real Estate living over the other real estate properties in town, it is really easy to identify the difference in choosing Courtenay BC Real Estate rather than that of any real estate properties. The only thing that other real estate properties that you encounter can offer is the promise of giving you things they can?t provide. They are posting information that does not really exist in the actual real estate property they have to sell in the real estate market. It is different in Courtenay BC Real Estate.

Clients will be given the privilege of seeing for themselves the kind of property they are going to buy. Later in the process, they are given also the chance to decide the buying of one of the prestigious Real Estate property in Courtenay BC. It is not that I talk ill of other real estate properties, I am just giving the kind of help real estate Courtenay could offer the interested clients. We both belong to the same industry by the way.

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Source: http://www.wahmbiztips.com/real-estate/the-advantage-of-choosing-courtenay-real-estate/

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Salute to a visionary

Steve Jobs has passed away. Here is my salute to a visionary.

Orbituary to Steve Jobs.
10 ways Steve Jobs changed the world.

Website - make passive income

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Top 20 blue chips

I asked my stock broker for the top 20 blue chips in Singapore, showing the fall from the recent market highs and the dividend yield. The results are shown here. I shall be investing in the blue chips with high dividend yields, especially if they have shown a drop of more than 20% from the recent high. It should give good value for the long term investor.

Automating Backlinking for Your Website

Amplify’d from webdesigndublin.org

Elsewhere on Web Design Dublin we share many sources of backlinks but there are a number of methods by which you can take a lot of the work out of your backlinking campaigns and make life a little easier for yourself through the use of automation.   Backlinking automation There are a number of methods of automating your backlinking including using software such as Bookmarking Demon which you can check out here. Read more at webdesigndublin.org

 

See this Amp at http://amplify.com/u/a1e5d6

Aviva Car Insurance Ireland

Amplify’d from homeinsuranceirelandhq.com

One of the major changes to this company was the inclusion of Hibernian Insurance. This union along with a number of other mergers, and acquisitions has combined to make Aviva the sixth largest insurance group in the world. They operate in more than 28 countries and have more than 53 million clients.(Check out One Direct car insurance, cheap car insurance Ireland and Cornmarket car insurance) If you are in need of insurance, you should make certain to go online and investigate all the different kinds of insurance that this business offers. They have policies for both adults and children.  A Diagnostic plan and a health cash plan are two of the polices that are offered. If you need international health care coverage, Aviva can provide it. Read more at homeinsuranceirelandhq.com

 

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Cheap Car Insurance in Ireland

Amplify’d from homeinsuranceirelandhq.com

Everybody wants to get the best possible coverage for the lowest rate. If you are looking for insurance for your automobile, you are going to have to do some research if you want to find the best company for your needs. When you are searching for insurance, you should take the time to comparison shop. You not only want to compare rates, but also special offers that may be available to you.  There are a number of companies that will give lower rates to customers who buy their policy online. Furthermore, some have exceptional deals for people who need to insure more than one motor car. Additionally, many companies are willing to give quotes right on line, which will make your task much easier. Check out Cornmarket car insurance and home Read more at homeinsuranceirelandhq.com

 

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How to Negotiate the Best Possible Price When Buying a Car

In previous articles, we have discussed the importance of doing thorough research before you make your way to the dealership. As a huge tip, bring that research along with you to the dealership or to the private sale individual. This makes you appear well informed and gives you a much better chance of attaining the best possible price on the vehicle. When people show up ill prepared and uninformed, the seller, either a salesman at a dealership or a private individual, has the upper hand and you have less leverage. Less leverage can mean you get 'taken for a ride' because you appear to not know what you're talking about. Dealerships especially love customers like that, as they can spin a tale about a vehicle that may or may not be entirely accurate. Also, be aware of dealership prices and upcoming or past sales or promotions - if you mention a past sale, you may be able to get the sale price, even if the promotion is over.

If you go to purchase a vehicle through a private sale, take a look at the surroundings. Is the car in the driveway of a million dollar house or a shabby environment? Though it is often unfair to prejudge a person, remember that you are in this to get the best car at the best price, so do what you need to do to analyze your surroundings and make a bid at the car that you think is appropriate.

We Buy Any Car

For better or worse, appearance can make a huge difference. If you look the part, you get treated as though you have more power in the deal. If you come to a test drive dressed too casually, a dealership may not take you seriously or a private sale individual may feel that you cannot make the financial requirements necessary to purchase the vehicle. Show up dressed nicely and well groomed.

Whether you go the dealer route or choose to pursue a vehicle through a private sale, do not reveal too much information about your situation. Avoid answering questions that may reveal how much income you earn. Stay away from questions you may be asked about why you are buying a vehicle or what you intend to do with your current vehicle. In this situation, less is more.

You will also want to be informed about the vehicle you are going to see. New cars aren't offered in only one spot - look at the prices of competitors. This is a great way to get some leverage. If you can say that "dealership xyz is offering the same truck for two thousand dollars less," you may very well get a great price break. But remember, dealers know their competitive landscape better than anyone, so avoid false claims or statements.

If you are buying a used car or truck privately, use online classifieds sites to price out similar vehicles with similar specs, like year and mileage. This may be the key to you getting the price you want. Also, look for discrepancies between the vehicle descriptions where you saw it advertised and the actual vehicle itself. If the ad stated that it had a power sunroof and you find that it has no sunroof at all, you may be able to knock off some of the price (unless a sunroof is a key determinant in you buying the car, then you may need to just pack up and go find another one).

No matter where you go, do not get overexcited about the vehicle you are looking at, even if it seems to be the perfect one. If you seem overly excited, you may come across as desperate, and that gives the bargaining leverage right back to the seller. Remain calm and have a carefree attitude. This lets the seller know that they need you (as much as you need them).

During the negotiation process, do not sign anything! Legally speaking, you shouldn't have to sign any documents until you have made the decision to purchase. Do not give out any financial information, like a blank cheque or credit card number.

Finally, make sure you are 100% comfortable with the vehicle. If there is something that is bothering you about the car or truck, like, a single cup holder instead of your preferred double from your old car, let the seller know. If they think you are not 100% satisfied, they may try to close the deal by lowering the price.

Always remember that you have the ultimate say in the deal. Do not allow yourself to be pressured, and understand that there are millions of cars and trucks for sale out there, so you have options

How to Negotiate the Best Possible Price When Buying a Car

Celebrities on Love and Relationships - DivineCaroline

?To be brave is to love someone unconditionally, without expecting anything in return. To just give. That takes courage; because we don?t want to fall on our faces or leave ourselves open to hurt.?
?Madonna, singer-songwriter, film producer, actress, fashion designer

Photo source: PR Photos

Source: http://www.divinecaroline.com/112939/118860-celebrities-love-relationships

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Compare car insurance rates

Compare car insurance rates

Switch to. CarInsurance.com  RateRefresh and to find out if you will save as much as possible about your car insurance.

 We have several insurance companies and the ability to buy the one that we are ahead of other online insurance quotes, you start to see how companies compete for your business. CarInsurance.com is not an insurance company is an independent insurance agency licensed to represent leading insurance companies. Car insurance online, we will take a few minutes and then we provide rates from multiple insurance companies in 60 seconds or less. Online purchase process, we will take the average user 16 minutes; Once the distribution of payment and print a proof of insurance. You can buy health insurance online. CarInsurance.com. Or the licensed insurance agents ready to assist you.

 Do not waste time shopping for car insurance, and use CarInsurance.com RateRefresh  automatically finds the best rates available; You may learn that you have the best rate ... that is the power of switching to CarInsurance.com, and used it to shop and compare car insurance.

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Avoid synthetic ETFs

There are two types of ETFs - physical and synthetic ETFs. Physical ETFs are invested in the underlying shares. Synthetic ETFs are invested in derivatives to mimic the index returns. 

Investors should avoid the synthetic ETFs. Some issuers take the cash and replace them with illquid, hard to value products as collaterals. If the investors rush to liquidate their positions, the issuers might not be able to raise enough cash to pay off the investors. The synthetic ETFs also face the counter party risk where the other party to the derivatives may not be able to honour their obligation.

The Straits Times Index ETFs marketed by SPDR and DBS are physical ETFs - which do not have the risk of the synthetic ETFs.

Read this article.

First it was CDOs, then SPVs. Now the latest alphabet soup of financial products to come under scrutiny from regulators as potential threats to investor protection and economic stability are ETFs and ETPs – exchange traded funds and similar products.
  Securities regulators in the US and EU are worried that these increasingly complex products are being mis-sold to unwary investors who do not understand the counterparty and derivatives risks they are running.
  Prudential regulators meanwhile are concerned that banks, particularly in Europe, are using ETFs as a cheap source of funding and are stuffing them full of illiquid collateral. They worry about the potential for a serious run – akin to the 2008 breaking of the buck in money market funds – if investors all head for the exits at once.
  Originally conceived as a low-cost way to track stock indices, ETFs got their start in 1989 as baskets of securities that could be bought and sold throughout the day. But the structure has rapidly expanded into everything from currencies and commodities to bonds and mortgages. There are now nearly 4,000 exchange traded funds, notes and   commodities, known collectively as exchange traded products, with total assets under management of $1,626bn as of mid-year.
  To make matters even more confusing, many of the funds are now “synthetic”, relying on derivatives to deliver promised returns rather than holding the actual basket of goods as “physical” ETFs do. And despite the name, many exchange traded products change hands over the counter rather than on an exchange.
  Concern has been rising, since US regulators first warned investors in 2009 that some synthetic ETFs, particularly those that promised a multiple or the inverse of a particular   index, were failing to deliver that result over the long term.
  Global regulators raised the stakes in April, when the Financial Stability Board, a closely watched group of regulators and central bankers, made ETFs the subject of its first big warning about new sources of systemic risk.
  The debate reached a fever pitch last month, when UBS announced that a relatively junior employee had racked up a $2.3bn loss in unauthorised trading involving these and other instruments. While UBS’s woes may well have more to do with compliance and risk control than ETFs per   se, the scandal has fuelled regulators’ fears that the products could be the next financial instruments to turn toxic.
  Last week, Steven Maijoor, chairman of the new pan-EU regulator Esma, the European Securities and Markets Authority, reiterated that existing rules governing ETFs were “not sufficient” and tougher action now appears inevitable.
  The investor protection concerns have focused mainly on “synthetic” ETFs for three separate reasons: do investors understand them, do they deliver the promised returns and what are they taking as collateral – the assets posted as security in case the derivative provider goes bust.
  Systemic regulators, including the FSB and the new European Systemic Risk Board, are also worried about the collateral issue for a different reason.
  They think that banks may be using the cash the ETFs bring in to fund themselves, while giving the ETFs risky and hard to price securities as collateral. That takes the securities off the books of the bank – where they would carry high capital charges – but could create liquidity risk if lots of ETF customers want their money back at once.
  To some, the arrangement also seems eerily reminiscent of the off-balance-sheet special purpose vehicles and collateralised debt obligations that got so many banks in trouble in 2008.
  Mervyn King, governor of the Bank of England, said recently that regulators needed to investigate “whether certain aspects of this use of the funds invested in ETFs are being   directed towards opaque and complex funding structures”.
  US regulators have put a moratorium on approving any new ETFs that use derivatives while a review is conducted. Hong Kong’s regulators recently set tougher new standards for synthetic ETFs, requiring them to post collateral worth at least 100 per cent of the ETF’s assets to minimise counterparty risk.   Synthetic ETFs also have to be clearly labelled, with an X in front of the name in listings.
  In Europe, Esma is consulting on whether there should be restrictions of the sale of “synthetic” ETFs to retail investors and it also wants much clearer disclosures on collateral practices.
  BlackRock, which owns iShares the world’s biggest ETF provider, said on Tuesday   that it would be pushing for tighter controls on collateral and disclosure to investors in an effort to protect the industry’s reputation.
  “We are hoping that there are regulatory standards set for the type of collateral and the haircuts required . . . If you have a fixed-income product, why would it be collateralised with Japanese equities?” says Joseph Linhares, managing   director at iShares.
  Other fund managers disagree. Efama, the representative association for the European investment management industry, argues that there is no need for new ETF-specific regulation and synthetic ETF providers that their products have been unfairly targeted.
  But the renewed focus by regulators suggests that the battle against tighter rules may have already been lost. FT