Review Your Pension to Increase Your Pension Pot

“Nearly half a million people are relying on their pensions to allow them to retire in the coming year. But for many, the stock market collapse and declining pension rates are forcing them to carry on working to make ends meet.”( Simon Gompertz reports for the BBC.) The Pension Pot for many is reducing – BUT it need not. With Free specialist pension review you can safeguard your pension.

Take just a couple of minutes to think about your current pension arrangements and then answer the following questions?

1.      In these unusual times, do you know the current value of your pension?

2.      Are you aware of Where and How your money is invested – does the investment actually meet your attitude to risk?

3.      Do you know what your existing Pension provider is charging you for ‘managing’ your pension?

4.      Does your existing adviser review your pension with you on a regular basis?

5.      Do you know how your pension compares with other pension products in the market place?

If you have answered No to any of the above questions then our FREE Pension Review and Analysis will be of interest to you. We will look at your existing provisions and help you make the most of the money you already have in your pension. It may well be that you have a frozen pension(s) or are currently contributing to a pension – either way our aim is to help you maximise on your pension income.

CALL US NOW 01603 632257 for your FREE review and let us find the solution to your questions.

Or request further information by emailing us on info@standrewsfp.com

Alternatively, view our site at http://www.standrewsfp.com or visit our blog at http://standrewsfinancialplanning.wordpress.com

All about Physician Search

Physician recruitment services With over twenty years in the physician recruitment business, one thing hasn’t changed. To do it well takes time, hard work, and determination. We speak with physicians all day, every day, to find out what kind of practice situation they are interested in. Then, we make a concerted effort to place them in a practice and community that will meet their long-term career goals. In the same way, we develop a thorough understanding of your practice opportunity so that we can accurately represent you and your organization. And since we are moving entire families in most cases, we are extremely diligent in making sure that the physicians know in advance about the resources and amenities available in your community. Outsourcing Physician Recruitment: Cost vs. Investment? Have you taken the time to consider what the cost to your hospital or medical practice is in lost billings and reduced service when you don’t have a physician in place when you need one? Using a search firm can make good business sense. Why use a search firm? A firm that specializes in permanent placement of physicians is in contact with and is interviewing physicians every day about their practice preferences and life style choices. An experienced search consultant can screen potential candidates and refer to you only those who are interested and qualified for further consideration. A search firm can pre-qualify candidates before the on-site visit takes place— saving you time and money by not having to deal with under qualified or inappropriate candidates. An experienced search consultant will insure that a physician to whom you have offered a position won’t string you along or “pull-out” at the last minute, leaving you without options. A physician search firm will help you manage the recruitment process from beginning to end and assist you in negotiating a final offer with the physician of your choice. Qualities of a great search firm: – A good physician search firm would allocate an experienced, knowledgeable search consultant or one of the principals of the company. – Immediate access to an extensive proprietary physician candidate database of physicians in all specialties who are actively looking or who would move for the “right” opportunity. – Endorsement by the National Association of Physician Recruiters (NAPR), which sets the standards and ethical practices for the industry. – A proven track record of success spanning over twenty years. <A rel=”nofollow” onclick=”javascript:ga(‘send’, ‘pageview’, ‘/outgoing/article_exit_link/1447621’);” href=http://www.mdrsearch.com>MDR Associates</a> are leaders in physician recruitment. They helped establish the National Association of Physician Recruiters.

Physician recruitment services

With over twenty years in the physician recruitment business, one thing hasn’t changed. To do it well takes time, hard work, and determination. We speak with physicians all day, every day, to find out what kind of practice situation they are interested in. Then, we make a concerted effort to place them in a practice and community that will meet their long-term career goals.

In the same way, we develop a thorough understanding of your practice opportunity so …

Short Sale Investing Illegal?

How is legality determined? Laws are decided by man to determine “legal” and “illegal”, the same men who are getting kickbacks from large companies like lending institutions, who lobbied for the reduced regulation in the lending industry.  That same regulation has allowed banks to dictate the short sale process and as such don’t allow investors to be paid a fee at closing for working with a homeowner in foreclosure, negotiating a short sale, finding a qualified buyer and keeping everything from falling apart.

As are the rules of the lenders, in short sale negotiations, they will not pay anyone anything because they are “already losing so much money.”  The problem with this argument is that they really aren’t losing any money whatsoever.  The money they claim to lose is the same money that they lent (threw away) to undeserving homebuyers in amounts greater than the value the property financed. (If anyone lost money in this fashion in the private world, they’d just be called irresponsible, foolish and would have to start over.) If there was ever mortgage fraud, this would be the case.  But that’s not what we’re talking about here; we want to know if this practice, recently coined, “the Investor-Backed Bailout”, is illegal, or if it harms anyone, other than the ‘poor’ banks.

Now, I bring you back to the fact that laws are created my men, and the most influential ones at that, but had the laws been different…if lenders had a legal responsibility to save homeowners from losing their homes after having created a situation where they cannot afford to pay their debt…how different would this situation have developed?   Many don’t have chance now because of the recession caused by banks over-lending.  They can’t afford their homes now, even if they had been able to previously.  Since these institutions are not able to help these homeowners at this point or offer any real solution of their own at all, wouldn’t you believe that there is something wrong with the law in this case?  How about the law that passed to send your tax money to these lenders who welcome it with open arms, while they still do not offer homeowners any options until they default on their loan, or lend any money out to worthy home buyers?

Luckily, a group of entrepreneurial investors stepped up and navigated the difficult laws that had been stacked in the banks and other lending institutions favor. These entrepreneurs, the same kind of creative and forward thinking people that made this country the most powerful and productive nation in the world, have been termed “crooks”, “liars”, “cheats” and “scumbags”.  They must be doing something illegal then right?

They are actually earning a living by providing a needed service, and being compensated in direct proportion to their ability to perform this service.  You won’t find this type of risk too many other places, that is why it’s called investing, and many of us would not have the boldness and courage to do …

Get a Merchant Cash Advance Regardless of Credit

Are you considering to apply for a merchant cash advance (MCA) but you’re afraid of being declined because of your bad credit? Though traditional banks and financial institutions aren’t willing to work with merchant having bad credit, reputable alternative online lenders are ready to approve bad credit merchants for an MCA.

Bad Credit

What is bad credit? Bad credithas to do with a past failure to keep up with your credit agreements and the inability to get approved for new credit. This implies you have failed to pay your past credit obligations on time, or maybe you didn’t pay them at all.

Companies called credit bureaus, which are also known as credit reporting agencies, collect your credit account history and compile it into a credit report. In case you have lots of negative information, late payments, or loan default on your credit report, you’ll be tabbed as high risk.

The Fair Isaac Corporation (FICO) calculates credit scores: these scores are the most popular ones. FICO uses the information from the 3 credit bureaus, meaning Experian, TransUnion, and Equifax, and weighs it in strategic ways to calculate the score.

FICO scores range from 300 to 850. Traditionally, borrowers who havescores at or below 579 are classified as having bad credit. According to Experian, 61% of borrowers with scores in this range are likely to fail to pay their loans or become seriously delinquent on their loans in the future.

Getting a Merchant Cash Advance with Bad Credit

The credit score of nearly 1/3 of Americans is below 601, according to credit bureau Experian.Experian estimates that 30% of Americans have poor or bad credit, lots of people have no credit at all, which can create similar problems as having low scores.

Usually, it’s too difficult to get business funding from a traditional lender if you’ve got bad credit. Thankfully, there are experienced and respectable business funding providers that can help you get a merchant cash advance bad credit without any challenges.

A merchant cash advance is the perfect business loan alternative when it comes to getting business funding with bad credit. There are no application fees, no obligations, no personal collateral, and no late-payment fees bearing down on you.

Look for alternative online lenders that offer creativity and flexibility, and consider the impact of bad credit, but listen to each merchant’s story. Turn to a merchant cash advance provider that believes in small business owners and understands the impact of bad credit. The true professional in the field won’t penalize businesses for going through a rough financial patch and will do its best to help them overcome the hardships.

Author Bio:Business Funding expert, Nathan Hale, founded First American Merchant with his eyes set on helping the backbone of our country, small business owners. His passions include writing/producing music, and travel. First American Merchant is America’s Best merchant cash advance bad creditcompany, serving both traditional and high-risk Businesses.

Concern: Thin Round Steel Pipes In China Application Development Trends

As the national economy development and people’s living standard, thin-walled round pipe and Stainless Steel Pipe Pieces of the domestic water supply pipeline system has become the new trend of development. Thin-walled stainless steel round bar pipe

domestic 20th century until the late 90’s came the new Pipe , Because of its safety and health, high strength, good corrosion resistance, durable, long life, maintenance-free, beautiful and so on, the current strong momentum of development of stainless steel round bar pipe, have been widely used in Building Water and Drinking Water pipes.

2001 8 24 Ministry of Construction released CJ/T151 thin-walled stainless steel pipes and stainless steel compression type CJ/T152 Pipe Industry standards.

2001 National Science and Technology of China Technology Market Management Promotion Center has released application on the promotion of “high-diameter ratio of high-precision stainless steel wall, high pressure water pipes and related fittings and special technologies” to inform, thin-walled stainless steel tube to give full recognition that the popularization and application of technology and products will raising the grade of modern architecture, to improve and protect the water quality is of great significance.

2003 1 2 Ministry of Construction released the “National civil Project Design measures “in the notice, that” preference should wall stainless steel pipe steel pipe. ”

2003 7 10 from country of Quality Supervision, Inspection and Quarantine issued a GB/T19228.1, GB/T19228.2, GB/T19228.3 series of standards, promotion of compression-type stainless steel pipeline system.

2003 9 25 China Engineering Construction Standardization Association released CECS153-2003 thin-wall stainless steel water supply pipeline construction engineering.

Beijing Water Corporation [2003] No. 194 Document: prohibit the use of galvanized pipes, to promote the use of stainless steel pipe, copper pipe was excluded.

2004 1 dated after 1 new building materials through water audits, non-acceptance does not meet the requirements through the water.

2004 7 12 Ministry of Construction approved by the Architectural Design and Research Institute of Tongji editor of the “building water supply metal pipe installation?? Thin-walled stainless steel tube” (04S407-2) for the National Building Standard Design, since August 2004 15, to implement.

Some aluminum products export tariffs will be reduced to zero import tariffs on aluminum

Learned yesterday from the Ministry of Finance, approved by the State Council, from August 1, 2007 onwards, to form the provisional tax rate will be aluminum import tariff from 5% to 0%; on non-alloy aluminum section, Export tariff levy provisional pole, provisional tax rate is 15%.

Ministry of Finance made it clear that a move to further restrict the high energy consumption, high pollution and resource exports, and promote Energy Consumption, encourage imports of raw materials. One analyst pointed out that the abolition of import duty on electrolytic aluminum line with government suppression of domestic aluminum production capacity expansion intentions.

For the policy issued on the impact of electrolytic aluminum industry, the insiders believe that this policy change has little effect on the aluminum market because of the domestic aluminum prices have been lower than the international market. Currently, LME (London Metal Exchange) aluminum …