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An official review of higher education in Hong Kong has recommended that permission be granted for cross-border use of research funds between the city and mainland China, which could see a ban on such use lifted for the first time in decades.

Recent years have seen growing academic and research collaboration between Hong Kong and China, but a prohibition against the use of China's research funding in Hong Kong and vice versa undermined vast potential for research collaboration, local academics say.



The report Aspirations for the Higher Education System in Hong Kong was commissioned by the official funding body, the University Grants Committee, and released earlier this month. The review was led by Sir Colin Lucas, warden of Rhodes House at Oxford University.



The review group calls on the Hong Kong government to initiate negotiations with relevant authorities in China to ease regulatory requirements in teaching and research collaboration with mainland Chinese institutions, especially the portability of research funds.



Currently Hong Kong's universities wanting to conduct research projects in mainland China must fund them from private donations or other money that does not come from public resources.



Institutions have had to put in time and effort to raise funds to maintain cross-border research ties. If implemented the UGC recommendation could speed things up.



"Projects that would require three years to be done [because of funding constraints] could be completed in one year," said Hong Kong Baptist University President Albert Chan Sun-chi.



"Also, genuine collaboration requires input of resources from both sides. We are in a passive position if we cannot offer any funding for a project," he said, adding that increased chances of research collaboration with the mainland could help to attract top talent from around the world to work in Hong Kong.



Although Hong Kong has high quality research institutions, its allocation of research funding as a percentage of gross domestic product is one of the lowest among developed nations, according to Chan.



"If talent and resources from Hong Kong and the mainland can be merged, the team work and joint expertise could allow us to compete with the rest of the world," he said.



Research projects in Hong Kong often require data collection in China and the need for China's research academics to carry it out. Hong Kong has a shortage of research talent in certain fields and often has to import academic researchers from other countries.



The review group also pointed to Hong Kong's intermediary role in promoting technological cooperation between China and the rest of the world.



More overseas enterprises could also be attracted to conduct research and development projects in Hong Kong or the Pearl River Delta, should more funds become available.



Having established a branch campus in Zhuhai, China, in collaboration with a mainland institution in 2005, Baptist University is set to build a research institute in Changshu, in Jiangsu province, to carry out research in fields including Chinese medicine, biotechnology and communications.



It signed a memorandum of understanding with the Changshu municipal government last month. Expanding into the Yangtze River Delta allows the university to tap the vast state funding available in China, Chan added.



In support of China's scientific and technological development, 12 laboratories in Hong Kong universities have the status of Partner Key Laboratories of China's State Key Laboratories.

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Tis the season for long-term projections, as Goldman Sachs has now come out with new research estimating that some 54.7 million tablet devices will be sold next year.

With no signs of slowing down, that projection rises to 79.2 million tablets expected to be sold in 2012.  Unsurprisingly, a majority of those devices will be Apple’s iPad — the device that started the tablet craze in the first place.  With a majority of units sold being iPads, it’s interesting that these projections are so high.  Still, numerous tablets running Android are on the horizon in the coming years, and unknown competitors are sure to pop up.  However, estimates still peg iPad as the dominate tablet device for many years to come.

id="more-11923">“Apple’s share of the PC market has been below 5 percent for most of the past 15 years, and even with the much-hyped ‘iPod halo effect,’ this level hasn’t changed in recent years,” noted Bill Shope of Goldman Sachs in his research note.  ”With the iPad, however, Apple is now offering a unique computing device that is priced for the mass market.  In fact, our Apple forecast assumes that the iPad segment will surpass Apple’s Mac business in revenues and profits by the end of fiscal 2011–the first full year of iPad shipments … If we include tablets in our PC unit forecast, then our estimates suggest Apple’s combined iPad and Mac market share would reach 12 percent in 2011. Based on the current market share breakdown in the PC market, this could presumably make Apple one of the largest vendors in the combined PC and tablet market.”

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-By understanding your readers.

Few people would climb a mountain blindfolded. Yet company executives routinely pursue markets with blinders on-ignorant of market characteristics, the competition, and barriers to entry. Good ideas and good products aren't enough; a variety of factors can prevent first-class concepts from becoming profitable businesses. Opportunities need to be carefully investigated through objective market research. Investing in research can both save a business from making costly mistakes and increase its long-term profitability.

It's a common misconception that only large companies can afford market research. Just the opposite is true; small companies cannot afford not to invest in research. When resources are limited, mistakes are more damaging. Many small businesses fail because their owners don't do their homework-before starting the business and during the first crucial months. By performing a comprehensive market investigation-on their own or by enlisting the services of professional researchers-business owners can avoid pitfalls, increase revenues, and differentiate themselves from their competition.

Types of Market Research

Customer satisfaction is probably the most common form of market research but other kinds of research are equally important. The main categories are:• Competitor analysis - identifies who it is, pinpoints the strengths and weaknesses of other firms in the same market, shows where they are having success, and what they plan to do in the future. The objective is to stay a step ahead by taking advantage of their weaknesses, or at least keep up with them.• Market opportunity assessment - size, growth rate, trends, barriers to entry.• Product analysis - features, price points; determined by talking to potential customers to assess their desires before the product is introduced.

Research can be primary or secondary and quantitative or qualitative. A business needs primary research-which involves direct contact with sources of information-if it is trying to determine very specific, detailed information or is dealing with a technology, product, or service so new that there is a very limited existing body of literature. Customer satisfaction also requires primary research.

Secondary research involves the review of a body of existing literature about a topic. It is most suitable when a company wants a general overview of a broad topic, analyst opinions, and high-level quantitative information of an existing market.

Primary research is usually more expensive than secondary. Costs vary, depending on:• Sample size• How the survey will be administered - by mail, by telephone, online, focus groups• Whether just raw survey results or analysis and recommendations are desired

If resources are limited, a company can do secondary research in-house, provided in-house staff knows what resources are available, where to access the information, and how to interpret it. The Internet makes secondary research much easier and less expensive, because so many agencies have made information available for free. For example, government agencies worldwide furnish a wealth of quantitative information. Company Websites offer much valuable information, such as press releases, annual reports and financial filings, job openings, and product data sheets.

IT analysts and management consulting firms often make a limited number of reports and white papers available for free. Some companies also furnish free white papers, but these seldom are objective assessments.

Syndicated research reports are also available. These reports consist of long-term market forecasts, often segmented by geographical regions or vertical markets. Many businesses rely heavily on quantitative market forecasts to determine whether it makes sense for them to enter a new market or develop a new product. For established markets and products, syndicated research can be quite useful, but in the case of new products or technologies, such reports are less reliable.

Make the Most of Market Research

A business can dramatically improve its chances of getting valid results by clearly defining its objectives. Asking the right questions is crucial-a company should be able to clearly state what it wants to determine. It is not the responsibility of an outside research firm to identify what the client wants from a study. It is the research firm's responsibility to clearly explain its methodology and how it will approach a study.

Additionally, a research request should not be biased in favor of a particular result. Frequently, individuals who commission research have vested interests in a particular outcome. If the results are not to their liking, they try to discredit the study and ignore its results. It is best to have high-level decision-makers who have the best interests of the entire company at heart involved in the research process.

Research should not be based on an untested assumption. For example, a company should not assume there is demand for its new widget and ask a research company to find out how the product should be priced. Before developing the widget, the company should determine if there is a market for it.

Like any other investment, market research should be measured by the return it delivers. Return can be measured both by increased profitability and cost savings derived from not making mistakes. To receive any benefit, a company has to make a commitment to act on the results of a reliable research study. Market research can be a powerful business tool for those companies willing to remove their blindfolds.

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October is Breast Cancer Awareness Month. To draw more awareness to the cause and help raise funds to continue the research and treatment of breast cancer, there are companies that sell products bearing the color pink and donating portions of sale proceeds to certain charities that support the cause.

With the Holidays fast approaching, you can start early to buy gifts for the important women in your life.

Here are some products that you can buy to support the Breast Cancer Awareness Month:

Courage Affirmawrap and 'Chicken Soup for the Breast Cancer Survivor's Soul'- $39.95

You can cuddle up with this warm blanket in the colder months to come and enjoy reading this book. The book is not only good for you but good for the cause. The cozy fleece blanket is silk-screened with positive affirmations, and 20 percent of the purchase price of each bundle will be donated to cancer charities. This bundle is available online at www.affirmagy.com.

Cuisinart Pink Food Chopper- $14.95

This kitchen gadget can make a great gift to a female cook. It shops, dices, and minces. There is no mess when you use it. A portion of the sale proceeds will go to the American Cancer Society. This product is available at Bed Bath & Beyond and online at www.bedbathandbeyond.com.

Special-edition Santoku Knife, $70.00

Another great gift idea for the female cook, this knife has a pink handle and sharp blade. Kyocera's special edition 5.5-inch Santoku ceramic knife is perfect for cutting fruits, vegetables, and meats. $5.00 from each sale will go to the Susan G. Komen Cancer Foundation. This product is available at Williams-Sonoma and online at www.amazon.com.

Onetouch Pink Can Opener, $19.99

This automatic, one-touch can opener allows for hands-free operation. This can open cans in seconds without too much effort. Five percent of the proceeds go to the memorial Sloan-Kettering Cancer Center. This product is available at Bed Bath & Beyond and online at www.bedbathandbeyond.com.

Think Pink T-Shirt, $28.00

This comfortable, soft , pink baseball t-shirt has three quarter raglan sleeves and a fuchsia-pink ribbon silk-screened on the upper left chest. Ten percent of the sale proceeds will go to the Entertainment Industry foundation's Women's Cancer Research Fund. This product is available online at www.redenvelope.com.

Pink Master Lock, $8.99 for two

The Pink Master Lock wants to help protect and unlock the cure for breast cancer. This padlock has the pink ribbon logo. In conjunction with the launch of the new padlock, the company made $10,000 donation to the Breast Cancer research Foundation. This product is available at select WalMart stores nationwide and online at www.amazon.com.

Pink-Ribbon Pajamas, $74.00

These pink polka dot pajamas are released in limited-edition by Karen Neuberger, a company which for 10 years has been involved in the fight against cancer. The sale will benefit the Breast Cancer Research Foundation. This product is available at Macy's and online at www.karenneuberger.com.

Dreamaid Pillow Covers, $24.00

These pretty pillowcases have more than 30 inspirational messages imprints to choose from live "Dream a Big Dream" and "Peace, Love, and Rest". Five percent of the profit from their sale goes to the Susan G. Komen for the Cure. It is available online at www.dreamaidproducts.com.

Whether it is for your mother, sisters, friends, female relatives, or female co-workers, these gifts are well worth the thought that show that you care, at the same time, supporting the cause that is important to all the women all over the world.





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The late actor Christopher Reeve was a tireless advocate of stem cell research in the last decade of his life. Paralyzed from the neck down by a horseback riding accident in 1995, Reeve dedicated his considerable talents and impressive network of powerful allies to attempt to drive forward stem cell research into the reparation of spinal cord injuries and disorders. Despite his continued acting and directing, advocacy of stem cell research became his primary professional and political focus until his death from heart attack in October 2004, nearly ten years after the accident that paralyzed him.

Reeve held an absolute, unwavering belief that the answers to irreversible spinal cord damage lay in the utilization of this controversial potential therapy. He was undaunted by his own physical limitations when fighting for enhancement of government funding into stem cell research, rather, he used his condition as an extremely effective tool when presenting his case to legislative bodies, funding organizations, and media outlets.

Is it possible that the fruits of the efforts of Christopher Reeve, and those working with him to keep stem cell research on the front burners of scientific discovery and legislative calendars, are finally finding themselves ready to be collected? Perhaps not quite, but this week there is evidence that seeds have at long last been planted that may soon grow into the trees of knowledge that may bare those fruits. And, with a little luck, those trees may grow swiftly.

Exciting new evidence about the viability of stem cell therapy for the treatment of patients living with paralysis has just been published by researchers at the Johns Hopkins University Medical School. In a study published in Annals of Neurology, the medical journal of the American Neurological Association, researchers led by Dr. Douglas Kerr studied rats that had been paralyzed and then injected with embryonic stem cells from mice. The resulting study showed that 11 of the 15 mice treated with the therapy regained significant mobility and motor function in the paralyzed limbs.

In light of this groundbreaking research, and the potential that this unprecedented study has to spark new life into the contentious and often avoided political bugaboo, could a change in the public and political response to the stem cell question be at hand? The push called for by Christopher Reeve and others for increased government funding for stem cell research may have been waiting for a banner breakthrough that could infuse skittish governmental and corporate agencies with a little more nerve. Several public interest groups and private religious organizations have effectively made the issue of stem cell research such a political hot potato that advancements have been seriously crippled by the nervous politicians’ slow response to requests for research funding. Could the work of researchers like Dr. Kerr provide that “ah ha!” moment that will nudge the reticent voters into a more corporeal and vocal support of the research efforts?

Governmental funding for stem cell research is supported by a majority of U.S. citizens. In an August 2005 Gallup Poll, in responding to the question "do you think the federal government should or should not fund research that would use newly created stem cells obtained from human embryos?" 56% of people responded that they should, while only 40% responded that they should not. One month earlier, in a poll conducted by CBS News, when asked “do you approve or disapprove of medical research using embryonic stem cells?” 56% of respondents indicated that they approved, while only 30% responded in the negative.

The work of Dr. Kerr and his associates at Johns Hopkins has been on the stem cell radar for several years now. In a 2001 interview with CNN, Christopher Reeve discussed his optimism for the research being conducted, and reiterated his concern about the effects of lackluster governmental funding for their work.

“What a couple of researchers did recently is proof of principle, which is very, very important,” said Reeve. “It was Dr. Gerhard and Dr. Kerr at Johns Hopkins, and they were able to inject mice or rats with a virus, which simulates ALS. They then injected human embryonic stem cells. Then, over a period of time, the progression of deterioration was stopped, and all the rats showed recovery of function,” he stated.

“Now, that is proof, because some people say, well, we don't know what embryonic stem cells can do; it's never been proven. Well, that's a huge first step,” continued Reeve. “And of course we won't know what they can do until we go and do the work. But the work must not be stopped, absolutely.”

That research described by Reeve in the CNN interview has now advanced to the point that researchers have been able to stimulate the reconnection of the muscles to the spinal cord with the embryonic stem cells of mice.

Still, political trepidation continues. Despite the impressive polling numbers in favor of stem cell research, the Stem Cell Research Enhancement Act of 2005, introduced the year after Christopher Reeve’s death, has been stalled in the U.S. senate for nearly a year. The bill, which would lift many of the current limitations on stem cell research that currently slow down the progress of the research and restrict the money the government puts into it, has polled incredibly well, and garnered strong bi-partisan support at its introduction.

In May 2006, the American Diabetes Association, who, like Christopher Reeve and other paralysis patients, also has a strong interest in stem cell research, spoke out about the lag time in passing the bill. The ADA publicly admonished the U.S. Senate for dragging its feet, and demanded to know just when the bill would be passed.

If Christopher Reeve were alive today to see the most recent results of the work of Dr. Kerr and his associates at Johns Hopkins, he would certainly be encouraged by current advancement in stem cell research, despite the lackluster funding and slow response to stem cell legislation. Now that advancements in the research are more tangible, perhaps the funding restrictions will be loosened and the work of advocates like Christopher Reeve will be honored. Should that happen, the reversal of paralysis due to spinal cord injuries and disorders may be closer at hand. The new research out of Johns Hopkins has certainly taken us several steps closer.





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Find your target market problems.

In the world of blogs today it is not uncommon for people to blog about their jobs. It is also not uncommon to blog about their interactions with celebrities and semi-celebrities. This is exactly what Charles Williamson, who goes by the name of Chuckles online, was doing when he made a post on his blog Freelance Genius about how Tucker Carlson had opened up an account at his video store.

Tucker Carlson, best known for his time on CNN's Crossfire and now host of his own show Tucker on MSNBC (as well as appearing briefly on Dancing With the Stars on NBC), opened up an account at the video store where Chuckles worked in Washington, DC. Like so many other people, Chuckles thought it would be fun to write a post about his brief encounter with Mr. Carlson.

In the post Chuckles joked about sending multiple copies of America: the Book to Carlson's house. (America: the Book, was written by Daily Show host Jon Stewart, who had a run-in with Mr. Carlson while Carlson was still a co-host of Crossfire), which he said would be more fun than sending frozen urine treats. However, Chuckles pointed out in his post that he would be doing nothing of the sort since he knew such actions to be wrong, he was simply having fun.

Tucker Carlson, however, was not having so much fun. Some time later he returned to the video store where Chuckles worked, and told him "If you keep this sh*t up I will f*cking destroy you," as reported on Chuckles's blog Freelance Genius. Chuckles told Carlson not to threaten him, where upon Carlson immediately replied "I didn't threaten you."

After this angry exchange, the blogger decided that it would be best to take down the offending post about Mr. Carlson. It was obvious that Mr. Carlson was not happy with the post and Chuckles decided it would be best just to bring it down, being a nice guy. Within three hours of his run-in with Tucker Carlson the offending post was removed.

But that was not enough for Tucker Carlson. Three days later, Chuckles received a phone call from his employer. Apparently he was fired from his job. The reason? His employer had received threats of legal action from Tucker Carlson, and he wanted no part of it so he was letting Chuckles go.

Being a blogger, Chuckles began blogging about how Tucker Carlson had gotten him fired from his job. Soon enough, several other bloggers who were close friends with Chuckles began blogging about it to. Freelance Genius, Chuckles's blog, was a minor blog, mainly written for a handful of friends and family members. But like so many things in the blogosphere, the tale of a blogger fired at the hands of Tucker Carlson soon began to grow like a virus. Chuckles, who was used to getting relatively few hits a day, was suddenly getting thousands of hits a day.

The story of Tucker Carlson and the video store does not end there, though. Chuckles soon found out that his friends and former co-workers were being harassed by a man claiming to be representing Mr. Carlson. When Chuckles went back to the video store to talk to management about the situation, he found out that he was not only fired but he was banned from the video store.

Tucker Carlson claims that his actions toward Chuckles were made out of self-defense, as he felt that the blogger was threatening his home and his family, although Chuckles never mentioned his family (outside of mentioning the "wasped-out" woman Carlson was with at the time of the video rental), and in fact Chuckles deliberately pointed out that he would not threaten Carlson or his home in any way, shape or form nor reveal any private information about Carlson. Carlson also claims, according to the Washington Post, that no lawyer of his has been harassing anyone, since he does not have a lawyer.

As of now, the story is still continuing to grow in prominence. A story in the Washington Post greatly increased its exposure. More and more people are finding out what has happened to this blogger after his run-in with Tucker Carlson, a story that without the blogosphere might have simply dissipated into nothingness.




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research methodology

You mean you had to GO to the library to do research?

Understanding Research Types:
Basic: Seeks to create new knowledge and is not directly related to technical or practical problems. Example: analyze the types of information systems used by people with disabilities.

Applied: Seeks to solve problems. Example: A study conducted on how information systems can be used to improve communication with people with disabilities.

Research Terminology:
There are many types of research and each type of research can utilize different methods for collecting information. This glossary can be utilized to clarify the research terms you may come across during your search. In addition, this glossary is a good resource for refining questions you may have of your professor regarding the assignment.

Case Studies: Examines in-depth the practices or trends of a single or limited number of groups. According to the Second Edition of the Dictionary of Sociology edited by Gordon Marshal, case studies include "descriptive reports on typical, illustrative, or deviant examples; descriptions of good practices in policy research; evaluations of policies after implementation in an organization; studies that focus on extreme or strategic cases; the rigorous test of a well-defined hypothesis through the carefully selected contrasting cases; and studies of natural experiments."

Empirical Studies: Research based on critical evaluation through observation or experimentation.

Experimental Research: Examines the relationship between two variables. This type of research conducts experiments on test and control groups to test a hypothesis about the relationship between two variables.

Historical or Interpretive Research Studies: By examining past events and procedures, this type of study attempts to predict future events or make suggestions for future actions. Types of historical or interpretive research studies include: biographical; histories of institutions and organizations; investigation of sources and influences; editing and translating historical documents; studying the history of ideas; or compiling bibliographies.

Qualitative Research: Observes the experiences of a particular group and attempts to understand the actions and reactions of the group. Field studies and ethnographic techniques are examples of this type of research.

Survey Research Studies: Examines small groups of the population in order to learn about the larger population. Observation of the smaller group produces data about the larger population. This data is used to predict future actions or results.

User Studies: Research that evaluates the way in which systems or institutions are utilized and how the needs of users can be addressed.

Identifying Research Articles:
Listed below are some clues to help identify research articles. However, it should be noted that numerous exceptions occur for all of the points listed below. Therefore, the following information should be used as a guideline when looking for research articles

Topic: Research articles tend to be highly specific in nature, relate to a particular field, or specialty within a field, and are written by authors who have done research in the field.

Audience: The target audience is other researchers, colleagues, students and specialists in the same field. Research articles are written for the scholarly community, rather than a general audience.

Language: The language of research articles is formal, generally does not use the first person, and includes jargon used in the field. Research articles are written to contribute to the knowledge base of the discipline.

Length: research articles can vary in length, but are typically five to fifty pages long.

Authors: Research articles may have numerous authors. The organization, institute or professional society the authors belong to will be listed.

Content: Generally the article is written at a sophisticated enough level that the reader will need to read the article more than once in order to understand and evaluate the article.

Identifying Refereed Journals:
Listed below are some clues to help identify refereed journals. However, it should be noted that numerous exceptions occur for any and all of the points listed below. Therefore, the following information should be used as a guideline when looking for refereed journals

Issue identification: Each issue has a publishing date, volume number and issue number. Generally a volume number is consistent throughout the calendar year, with each issue assigned a corresponding number e.g. vol. 55, issue 4.

Length: A refereed journal may have one to fifty articles, with most having eight to eighteen.

Advertising and graphics: Very little, if any, advertising is included in refereed journals. Any advertising that is included will directly relate to the field. Generally journals of this nature do not have photographs and use black print on white paper. The size of the journal may vary in size from a small paperback size to a large magazine format.

Table of contents: In addition to research articles, refereed journals may contain book reviews, literature reviews, and essays. Therefore, just because an article is published in a refereed journal, it does not necessarily mean that it is a research article!

Publishing: Refereed journals are usually published regularly - once a week, once a month, every quarter, or annually. The majority of journals are published four to six times per year and are often published by a professional society, organization or research institution.

Editorial board: Refereed journals have a peer review process. The editorial board is listed (generally at the beginning of the journal) along with the organizations they are affiliated with. Information about what types of papers are chosen for publication, the selection process, the length of papers accepted, and how to submit a paper is also provided.

Indexing: A listing of where the refereed journal is indexed is often provided.

Title: The title of a refereed journal usually has an "academic" sounding name.

Availability: The location, call number, and availability of the journal can be determined by using the online catalog.

Refereed Materials:
Refereed materials are publications reviewed by "expert readers" or referees prior to the publication of the material. After reading and evaluating the material, the referee informs the publisher if the document should be published or if any changes should be made prior to publication. Refereed materials are also referred to as Peer Reviewed. Refereed materials are significant to the research and the literature of library and information science because they assure readers that the information conveyed is reliable and timely.

Non-Refereed Materials:
Non-refereed materials such as Trade Journals or Magazines use less rigorous standards of screening prior to publication. In some publications, each article may be only screened by the publication's editor. While knowledgeable, no editor can be an authority on all the subject matter printed in a journal. Other non-refereed materials accept almost anything submitted in order to have something to print. The term "scholarly materials" is often used to describe refereed materials, but this term is not exclusive to refereed material. Non-refereed materials may not by scrutinized as intensely as refereed materials, but they can still be considered scholarly.

Locating Materials:
Databases are repositories of article information from journals, magazines, conferences, and sometimes books and newspapers. Databases cover a wide range of topics. Some databases offer a full text feature that links you directly to an article, so you can download and print it directly off the Internet. Explore databases that you use regularly to determine if they have this feature (usually denoted by an "FT" next to the article citation).

Evaluating On-line sources:
Online sources can be a valuable tool if you know how to accurately assess the value and validity of the online information source. In trying to determine the validity of a webpage, it is useful to see what type of organization publishes the page. Sites ending in .edu or .gov are generally more accurate and trustworthy than most, since they emanate from academic and governmental organizations. It is important to verify that you are not looking at a student page located on an academic server, which may or may not be as trustworthy as a page produced by the school. Another element to be cautious of when evaluating your potential source is bias. For example, if you are looking at a commercial site, are they accurately portraying information, or bending the truth to fit their needs? The next criterion to evaluate is accuracy. Begin by looking for spelling mistakes, poor grammar, and typos. Next, look at the sources quoted within the page. Are they well-known, trusted sources and people with expertise in the field at hand? If the page is valid, accurate, and published by a trusted source, then it is generally considered acceptable for research purposes.

Search Strategies:
Your search strategy will vary depending upon which database you are using. Research articles' abstracts & include terms that most non-research articles' abstracts do not. Some examples of these terms are methodology, hypothesis, research, experiment, etc. You can search the field "Words Anywhere" for these terms while simultaneously searching for the keywords of your topic. If you retrieve too many or too few hits, narrow or expand your search by adding or dropping search terms.




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You might be overwhelmed on how to research information for your book. It may be difficult in the beginning to know where to start at or even how to gather information. How to research information for your book is quite simple when you follow some steps. You need to write down a list of all of certain information that you want to be included in your book. Here are five tips on how to research information for your book.

1.Talk to experts. Make sure to put experts on that list to get information from. You want to be able to quote information and check facts with experts. Experts will add more value to the information in your book and also provide you with additional information. They are also great to get to know since you can learn more information from them. You want to write down their names correctly.

2.Get a tape recorder. You want to get a tape recorder when asking experts questions. The tape recorder will help you later on when you putting the information together in your book. It is also important to take notes while talking to the experts, but the tape recorder will help you pick up any information that you may have missed due to the person talking too fast or not being able to write fast enough.

3.Get a digital camera. You want a digital camera to take pictures for your book. A digital camera with pictures also may be able to help you describe something in your book better depending upon what topic your book is about. They are nice to have a picture to look at in order to put words regarding the picture.

4.Go to the library in your city. The library is the perfect way to get information regarding the topic of your book. You can also check current old and new information this way. Your library might be also to order a book for you if you can't find it in the library. Library is a great source to get allot of information for free without having to buy a ton of books. A library usually offers Internet access for free to find additional information. Make sure to check out the college library in your local area too. One thing that is great about a library is that they usually have old copies of newspapers.

5.Talk to neighbors and other people. Depending upon the topic of your book you can learn quite a bit of information from neighbors and other people. People will be glad to tell you information for free just to be able to see their name in your book. If you any people that are professionals in a certain field that you can use that opportunity to talk to them.

When gathering information then please make sure to keep it organized so you can keep track of it better. It may help to have file folders to keep everything separated so it doesn't get all mixed up. Out of all the information in your book the experts are the most important of it all. The experts makes your book hold more weight as far as being more accurate and also contains more knowledge so it is even more helpful to others.




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When you consider starting a business then you need to do a little bit of research. The research will help you see how successful the business would most likely become. You can also find out the small details within a field regarding a business that we often forget or aren't aware of because the business isn't in operation yet. Here are ten ways to help you research a business opportunity.

1. Talk to experts that you know that are already in the field. You need to speak to people that are already in the type of business that you are interested in. You need to ask them questions. You want to know basically how it works from start to finish and any problems that the person may run into. You want to basically know what it is like on a regular basis to run a business. You need to talk to a few people in order to get a more in depth information. You need to speak to the owners of the business instead of just an employee since the owners does know exactly what goes on from day to day in the business.

2. See how profitable it is. You want to make sure that that the type of business that you want to start will make you enough money. The important thing is to consider if it is worth it depending upon how much time and energy you have to put into it. If the other businesses in the area are struggling to keep their doors open each day then it probably isn't a good idea since those other businesses don't generate enough sales or services rendered.

3. Can your company be better than the competition? You need to ask yourself that question. If every person in town always want to go a certain company for a certain item or even service then you need to become better than the competition. You want your customers to think that your company is better than your competition even with excellent customer service and cheap prices.

4. Does the type of business that you are interested in starting require a lot of funding in the beginning? Some companies are cheaper than others to start in the beginning. You need to figure out if you will have enough money for advertising and all the other expenses. You want to have enough money saved in the bank for your personal use too besides money for business. It is important to able to support yourself for basic living expenses along with being able to have enough money for your business too.

5. Will you be able to generate enough sales? Is their enough people in the city or town to offer services or items to the customers? You need to think about it. If your competition doesn't have a website then make sure that you have a business website. You always want to offer the next best thing or something else that they don't offer. If your competition doesn't offer credit accounts then you probably should offer credit accounts to business owners and individuals. You want to be different than your competition. If your competition doesn't advertise on radio then you need to advertise on radio.

You need to go to the city to look all the new companies that have been started recently within the last few years. Make sure to see how many of them ever renewed their business license. Look to see how many companies haven't been successful in the same field that you want to start a business in. You want to see many companies have been successful offering the same type of products or items. The records will give you a general idea of how well your company should succeed.




Reference research: research Dr. and home research and sport research and recent update




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research and development

Shwachman-Diamond America awards grants up to $10,000 for Shwachman-Diamond Syndrome Research. Some larger grants are also available through this 501 (c) 3 non-profit group. Shwachman-Diamond America not only supports Shwachman-Diamond Syndrome research, but it also supports Shwachman-Diamond Syndrome Education.

Shwachman-Diamond America's Mission:

• Fund and promote research in all aspects of SDS.
• Disseminate current medical literature to families and physicians.
• Help fund the biennial International Congress on SDS.
• Facilitate the development of a medical management plan.
• Promote parent education through a family support network.

If you are a researcher and are interested in submitting a grant proposal for an Alex Turnquist Memorial Research Grant, the following are the guidelines:

Shwachman-Diamond America awards Alex Turnquist Memorial Research grants up to $10,000. Grant proposals are accepted throughout the year. SDA does not have a grant request form.

Shwachman-Diamond America requires that the grant proposal be in writing and include the following:

1. Name of Applicant, Principal investigator, project title and summary of proposed investigation (include specific aims, significance and background, any preliminary studies...)
2. A detailed description of your hypothesis/hypotheses and proposed methodologies
3. Relevance of the research to Shwachman-Diamond Syndrome
4. Biographical information on the principal investigator and co-principal investigator, if relevant
5. A detailed budget sheet (grants are available up to $10,000)
6. Statement of facilities available
7. A starting date for the project

General Conditions for the Awarding of Alex Turnquist Memorial Research Grants:

1. The board wishes to receive periodic progress reports. They need not be lengthy. These reports will help Shwachman-Diamond America give updates to our donors, allow evaluation of progress by our medical advisor and assist SDA in future fundraising efforts.
2. Any publications distributed as a result of your research should give proper reference to Shwachman-Diamond America.

You can submit a grant proposal by emailing the Word or PDF file to: shwachmandiamondamerica@embarqmail.com or via regular mail:

Shwachman-Diamond America

931-B South Main Street #332

Kernersville, NC 27284

If you need more information, you can visit the Shwachman-Diamond America website or contact Pattie Curran at 336-423-8158.

What is Shwachman-Diamond Syndrome?

Shwachman-Diamond Syndrome (SDS), first described in 1964, is a rare, genetic (autosomal recessive), multi-systemic disorder affecting the pancreas, bone marrow, and skeleton. The most common symptoms are pancreatic dysfunction (malabsorption), low neutrophil count and short stature. Other organs may also be involved in some SDS patients. Shwachman-Diamond Syndrome affects people differently and not all people with SDS have all of these symptoms. In Infancy, the first symptoms are usually loose, foul smelling, greasy stools and failure to gain weight and grow normally. The pancreas fails to produce the enzymes essential to digest food properly. Because of the exocrine pancreatic dysfunction (malabsorption), the child does not absorb enough nutrients, most commonly the fat-soluble vitamins, to grow and develop normally. Oral enzyme replacement therapy helps these children to digest their food, but many still need to take special vitamin supplements. Improving nutritional status does not necessarily improve the growth of children with Shwachman-Diamond Syndrome.

The bone marrow, where blood cells are produced, is also affected in Shwachman-Diamond Syndrome. White blood cells, which fight infection, are most commonly affected. Neutropenia is the most common hematological abnormality in SDS, though all blood cell lines may be affected. Anemia and blood clotting problems are also common in SDS patients. Because of the bone marrow dysfunction, these children are at a greater risk of developing life-threatening infections. Shwachman-Diamond Syndrome is considered to be a bone marrow failure syndrome, because up to 30% of these children will develop leukemia or aplastic anemia.





Reference research: finance research and health research and travel research and recent update




Discuss Forum

1st 2nd Mortgage: Can The Lender Who Holds The 2nd On My Home Force Me Into Foreclosure?

Many questions concerning the purchase of those days. One of the many problems of the mouth, perhaps, the creditor 2 Note: In my house I have to recover, if I am the offender. Answer: yes. Natalia Osorio, director of "Stop Foreclosure Loans Network - http://www.StopForeclosureLoans.org - 2 credits, also said it is a debt registered against your home. When borrowers take 2 guarantees the repayment of the claim and the use to obtain a loan is the property that issued credit. As with any loan secured by real property if the loan becomes Response 2 creditor who issued the loans foreclose on the property to repay the loan during the transition to the 2nd place to seize property, 1st 2nd Mortgage, lender in 1st position will start immediately to protect their investments and usually starts the collection process.



if the lender in 1st position as the 2nd place is the possibility of a lender who will work with the borrower to protect your investment. Lenders generally want close on the property, if all other ways to go bankrupt. For example, changes to the loan, refinancing the property, if the place of execution, short sales and foreclosures are a few alternatives. Also note that if you purchase property to the borrower remains responsible for the remaining number of foreclosures. For example, if a house is to gather, and the money from sales is not sufficient to pay the existing mortgage lender 1 would remain legally liable for the mortgage balance at 1 and 2, all loans on the property yet.



If the debtor is facing sanctions, the most important for them to do is contact your lender to see what options are available to them to avoid penalties. The next step after contact with the borrower should contact HUD, to see the options they offer, in order to avoid penalties. When all, 1st 2nd Mortgage, other options have been exhausted, the borrower must consider the treatment to companies to make changes to the mortgage. Remember that the mortgage is a loan against, 1st 2nd Mortgage, property.



If the borrower in the 1st or 2nd mortgage, the lender moves to protect their investment by foreclosing the property for arrears N. Osorio said. For more information on obtaining professional assistance from a change in mortgage http://www.StopForeclosureLoans.org

1st 2nd Mortgage: 7 Proven Strategies to Avoid a Forclosure and Save your Home

Foreclosure can mean the loss of home, any value of your home, credit and dignity. Exceptions are a very public process, with its name appears in public records of the Court, and, 1st 2nd Mortgage, then published in newspapers. And when you're ready to move on with our lives, their exclusion appears on your credit report at least 7-10 years. In addition, all applications currently ask for the loan, if you ever had foreclosures. We will have to check "Yes" to the exclusion, 1st 2nd Mortgage, entire life.



es usually means that you can not buy another house within a few years, if you disagree with exorbitant interest rates, mortgages bad credit mortgages that can be twice . But regular rates, if you have had a temporary problem? Life is unpredictable and circumstances, all we have in our lives that are unpredictable and beyond our control. Many times, these circumstances may occur on our monthly mortgage payments on time. Some of the problems that contribute to injuries include: medical, unemployment or sickness, death, divorce familyIf injuries suffered one of those situations that can seriously, 1st 2nd Mortgage, affect the ability to repay their mortgage debt.



If you missed the experience, you have several options to stem foreclosures. Here are some proven strategies to avoid the penalty: 1. Mortgage Changes for the frequent, if you are facing a permanent reduction in income and can not afford a repayment plan. In this case, the credit terms can be adjusted (the interest rate reduced or extended long-term) for affordable.2 monthly payments. Leniency agreement is usually used if you have difficulties, which are now temporarily and can resume making regular payments.



A popular option when you can not pay all back payments immediately guides. In this case the creditor is required to transfer its debt to the loan.3 back. Payment plan - the preferred method for most banks. In this case the creditor agrees to catch up with late payments by adding a portion of the amount due for each monthly payment on current account again.4. Mortgage refinancing,, 1st 2nd Mortgage, you refinance the loans in arrears with the existing lender or a new lender if you are experiencing temporary financial setbacks, he had good credit before destruction, and can prove that you can now support the new mortgage payments.



Is usually not an option in the situation, if you agree rates.5 high interest rates. The point, rather than an exception in this case, who voluntarily submit the case to your property to the holder of the mortgage to avoid penalty. Okay, the lender releases you from personal liability for the loan 6. Sell your home, you may decide to sell your house before the auction. Lenders may postpone the auction to allow time to sell the house. If you can not work with the existing lender or find a new lender, it's time to get serious about selling.



The longer you wait, the more likely you are to sell your house quickly, most likely for the investor who buys a house, and how fast to close, but will pay less than fair market value.7. bankruptcy filing bankruptcy will, 1st 2nd Mortgage, temporarily stop collecting things. You can at any time before the auction. However, this should be your last resort, not before. Although usually not the end of permanent exclusions, you can stop the recovery process and you get a couple of months or years without loss of their property.



Statistics have shown, however, that about 85% of all applications for Chapter 13 bankruptcy can not keep a permanent home owners from foreclosure. This is because the reorganization agreement usually requires that the payment plan home, which is significantly higher than the original payments that can not afford! Bono, here more than 2! 8. Military indulgence, if they operate in the United States military is entitled to relief under the Soldiers and Sailors' Civil Assistance Act. Finance most it is not impossible, if you Indulgence.



9 military-L.'s Application for partial payment for a number of other programs available to you if your FHA mortgage insurance. Under this program, HUD pays the lender the amount due to bring the loan current. Then he starts running

1st 2nd Mortgage: Property Already Secured But Still Need Loan: Go For 2nd Mortgage Loans

As a general rule, use the credits that the debtor gives the activities (in most cases, your house) as collateral. At that time, after receiving a loan by providing your house as collateral, the borrower needs more money to pay for an expensive loan or other problems are inevitable. In this case, when the house is guaranteed once the debtor and the debtor pays the house as collateral to obtain a new loan, called a second mortgage. The second mortgage is second in the title. 2 subordinated mortgage loans from 1 second mortgage.



A existing mortgage is secured against your property, which is already guaranteed time. Is not, held a second mortgage, in addition to existing guides 1. This loan is secured by real estate with a loan note used as a tool to obtain compensation. 2 credits, also known as subordinated mortgage loan and equity. The second mortgage is held and recorded in 2nd place in property.Difference title between 1st and, 1st 2nd Mortgage, 2nd offenses mortgageIf guides for the loan that the lender 2nd mortgage payments first before you pay the lender a second mortgage when the assets are dissipated foreclosures.



Taking into account the risk factor added to the house of the accusations by his subordinates, most creditors pay the costs arising from higher interest than the borrower requiring the consumer to higher interest rates offered by mortgage 1. 2nd Mortgage: PurposeMoney took a second mortgage loan can be used in all. However, the majority of borrowers use the money received in, 1st 2nd Mortgage, 2 to strengthen the mortgage debt, make repairs or pay for the education of their children. Whatever you decide to do with their loan product, it is important to remember that if you default on your payments you could lose, 1st 2nd Mortgage, your home, so I want to make sure that you borrow from purpose.



2nd Term: The amount of Cost2nd mortgage loan and are considered more risky mortgage 1st, and then most mortgage lenders to offer mortgages with high interest rates 2. 2 mortgage loans have fixed and adjustable rate mortgages. Time of 15 years is the most common 2 conditions for repayment. The amount of lenders offering up to 125% of the cost of equity capital. However, the amount of the loan also depends on the profile, 1st 2nd Mortgage, of borrowers. Similarly, after the 2nd mortgage loan is considered at risk, lenders pay interest rates higher to compensate for the advantage of risk.



Another a second mortgage that the interest on the loan may be passive. Consult your tax advisor regarding your personal situation, but in most cases the interest is 100% fully deductible up to loan value combined 1st and 2nd mortgage does not exceed the value of your home. Second law characteristics check2in Mortgage Loan1No initial approval of a loan in 24 hours3Customized block pricing4Rate if choose5can consolidate all debts into this new loan within 3 working days6Amount depend on interest rate mortgage borrowers profile2nd: EligibilityAccepting or reject an application for a loan application rate of 2 percent guides depend on the profile of the borrower.



Several factors are considered when considering applications for loan are time 1Verification income2Full registration payments4Any Clark employment3Previous recommendationSteve can say how to look better, live better and breathe better by giving suggestions on how to improve finances.He writes on loans. His ideas can help to rejuvenate money.To find a Personal loan UK, secured loans, unsecured loans visit

1st 2nd Mortgage: Mortgage Credit Questions & Answers

As of 7/6/2009, which must rely on a mortgage borrower be 30 next year excellent credit (and Co.)? I can help with the mortgage! Let me help. Write me back and we'll see! MSmith (for me) PrecisionFundingUSA.com AM online very soon! Channel ():... Ask yourself, is the amount of profit (per cent) of their pay in terms of loans, credit cards and mortgages impartial? Banks and lending institutions, which led us to the solution of the honeymoon? And these banks are so stupid that, due to a minute? Remember that money to buy 2% and sell it to us .



, 1st 2nd Mortgage, .... 15-33% credit application, use the wholesaler to make repairs or repayment of a mortgage reduced? What is better to ask the buyer must ask the seller after the detection of service problems after the home inspection? My opinion will always be that I would trust the seller to make repairs. All we want is ... In the event of bankruptcy, credit cards, mortgage borrowers, the devil? Gay as I was told that if I do not regret for the "alleged" sin, I'll go to hell.



And, 1st 2nd Mortgage, those who steal, (in case of failure, the failure to pay credit cards, student loans, mortgages, etc. ..), if you pay the debts to be ... Base on the grounds that the loan would be better, or credit card sandy Credit? The paper that the loan would be better for the bank or credit? I have Bank of America checking, savings and credit cards, I have American Express and Capital One credit card witch one of them will help me ... On the basis of my rating (726,774 and 779) How can I see lenders when applying for a mortgage on my 1? --- Michelle mortgages based on several factors .



.. Money saved on the edge --- 5-year history of working with W-2 forms of debt --- Curent. The relationship between debt and income ... You are not A. .. Frustration Strip next guides? Sent me a couple of days ago, but today I feel disappointed once again. I applied and was approved for a new mortgage loan. Hometwon our bank. They pulled the initial report, and said Tuesday that the credit in the final evaluation and should be completed today. Our Bank, I. .. Before applying for a mortgage that is best - to assist the initial payment or payment for the sale by date of credit card debt? I'm going to ask for a mortgage on my first house.



My credit is good, but I have more debt on credit cards, that I feel comfortable, because ... Being added as the holder of the credit card to someone close to excellent for helping the best guide / fees? How to buy a house in the late summer of 09. Adjectives my current credit card debt in the spring / summer 09. We must do everything possible to increase your credit score. Idea ... Best Bank / credit federal mortgage with zero% on home contained Alliance of New Jersey? Want to buy a house in New Jersey during the year 200,000 budget 75,000, with a perfect credit where I can get credit for some initial price and not including closing costs? What is my best .



.. The best way for my mortgage back close to the minimum damage credit? I can not pay the mortgage anymore. I have a new bank established or better to sell quickly and pay the bank that really do not care about losing the house, so any help would be ... Best mortgage company at the fair? What is a good company to use guide for those who have slow credit? I am looking to buy a house, but not sure where on earth to start, but I know that there is a fair / poor credit. "> Always use a mortgage broker that stores a lot of companies .



.. the best loan for low credit score? My, 1st 2nd Mortgage, husband and I tried to buy our first home. There will be about $ 60,000 - $ 65,000 's Gross years, as contained in our home. Your credit rating of 635 and 565 mio. definitely can not afford $ 200,000 mortgage and the house, we, 1st 2nd Mortgage, are most interested in. .. Broken lease credit report as a punishment? refinancing my home have found in, 1st 2nd Mortgage, my report on the recovery of credit of $ 700 per rental, which was interrupted for 6 years.



How can they accept as a ransom? no title was. .. my brother is dead,, 1st 2nd Mortgage, there are no mortgages, credit cards, bills Insurance will be small once ... "What?" My brother died suddenly

1st 2nd Mortgage: Hybrid Home Equity Loans Changing the Face of Second Mortgages

Application for Home Equity loans and second mortgages recently reached a maximum of 15. According to Freddie Mac, "88% of homeowners who refinanced their homes in District 1 has a loan of at least 5% more than their first loan." Since this was the biggest increase since 1990,, 1st 2nd Mortgage, as the Fed continues to raise the benchmark interest rate, which is my thesis that the demand for money and funding opportunities for the rapid was the largest after World War. "The reality is that some people still believe that the interest rate of 6%," said John Allen, Laguna Beach, California.



John continued: "If I need money for home improvements .. Why do not you take me home soon for my first mortgage rate, 1st 2nd Mortgage, below 5%. Mentality of John reflects many of my borrowers minds' in the afternoon. Consumers are more educated than ever before on the financing and export of second mortgage. Home buyers first time, please get attached to the grant to help them achieve their goals. Some people, like John just wants to finance the construction of pools and spas, but most of my borrowers have focused on credit card debt consolidation can reduce costs and gain access to more money at the end of equity products month.



Some homes were used in recent time. Companies like B. National Mortgage and Ditech offer large loans to 125%, and convertible equity lines, 1st 2nd Mortgage, of credit. They are called convertibles, as lines of credit begin with a variable rate, but at any moment can become part of a fixed rate and still keep the unused portion of revolving credit line loan. These hybrid home loans to change the face of the second product guides and offers powerful features that meet the needs of a typical family and real estate expert investor.



Lynda Nelms continues to write his popular column called "Ask Linda", which gives financial advice to help consumers get home from the perspective of an experienced officer of a loan. He inpires growing number of loan officers across the country with its new approach to home equity lending.Currently, Linda takes credit for BD Nationwide Mortgage, located in beautiful San Diego, California. You can read more of his "Ask Linda?" articles online at Nationwide & B. Shares of mortgage loans, where you can also find more information on refinancing, debt consolidation, as well as finance the purchase of a full 2 seconds home.



For refinance mortgage loan options, visit the fixed rate loan debt consolidation Go 125 or second mortgages to learn how to combine your debt, without

1st 2nd Mortgage: Experience the Benefits of Applying for a Home Equity Loan

There are many services on the market today for you and your family. Get a free estimate and see why borrow home is worth! There are many uses more for home soon. You can use a loan to consolidate high interest credit card debt, education for their children, home, or last minute emergencies. The choice depends on you! Before you decide, do not forget to do your homework and be well informed about their decisions and choices. Many people, 1st 2nd Mortgage, do not know what entails.Essentially mortgage loan, from home loans to borrow your home and can be an effective way to get what you need, when you need it.



This works particularly well if you have lots of equity in your home. In fact, the demand for home loans has grown in popularity thanks to low interest rates and fiscal equity lenders deductions.Home covered. If you decide to get a mortgage "program" cash, you can easily manage their debt through consolidation. In fact, debt consolidation is very useful to consider if you have a lot of debts - debts that can no longer manage. Get locked into a fixed rate and the choice is yours to repay the loan over 10-20 years.



Most people combine their debts to pay off their credit card debt. With consolidation, you'll soon see the monthly payments will fall drastically. Payments can be taxed. It is really surprising that the mortgage can do for you in terms of cost savings and reduce their S stress.That financial 'not all. If you prefer to have cash advance, you can subscribe to the line of mortgage loans. You can enjoy lower interest rates, allowing you to buy things that you need. Imagine the possibilities! Let's say you own a new home.



Purchase of furniture and equipment can be expensive. Line of credit, 1st 2nd Mortgage, available for your home can be a great help! You can also request the 1st or 2nd mortgage refinancing mortgage. Explore options and consider the benefits! As in all matters relating to your financial well-being, be sure to contact your accountant for more information on tax deductions, you may be entitled, in 2005, 1st 2nd Mortgage, signing.Copyright. Crosain Caitlin is a successful writer and publisher of the website resources on how to repair bad credit, are eligible for a secured credit card and auto loans Bad credit personal loans

1st 2nd Mortgage: Debt Consolidation: Second Mortgage or Unsecured Loan?

Debt consolidation: a second mortgage or unsecured loan? If you're like most Americans probably have accumulated a considerable debt trying to keep up with his family, Smith and Jones http://gov-debt-grantbenefit.blogspot.com from Cardweb.com street.Visit This main line publisher of information on credit cards and payment, you are not alone. In 2004, those earning between $ 75,000 and $ 100,000 per year, and at least one credit card, spend the rest working an average of about $ 8000. This does not include other personal debts such as auto loans, which can be tens of thousands of people.



If the debt on your credit card to hold you at night, you may wonder what could or should do. Failure?, 1st 2nd Mortgage, Refinancing? If you are refinancing a loan at a fixed rate of interest or a variable rate mortgage better? What about mortgages? The simple answer, of course, is to obtain a debt consolidation loan. What is a debt consolidation loan? In short, debt consolidation loan package for all your debts together and pay off a loan. The next question, of course, how to obtain a debt consolidation loan.



Visiting usurer? Getting a second mortgage on the house? Request for an unsecured loan from a bank, and hope for the best? For most people who visit the local lender is not a viable option, but 2 or taking a loan guarantee unsecured bank are an excellent choice. If you use a second mortgage or unsecured loan to pay off credit card debt, often depends on a number of important factors, including whether you own a home, regardless of its rating, and that the total amount in dollars credit card debt you have various financial institutions.



According to one, 1st 2nd Mortgage, expert we talked about, used to working in unsecured loans, and now runs his own business broker guides, the most important factor is the credit history of borrowers. 2 guides second mortgage or a mortgage loan, which was adopted after the first mortgage. It 'similar to the first mortgage, because it uses the equity in the house as collateral. As the first mortgage, second mortgage, a fixed amount that is payable in a lump sum and the repayment period from 15 to 30 years.



Guide 2 may be fixed or variable rate mortgage. Sometimes it is called subordinate or secondary loan, but a 1 or subject 2 mortgage primary mortgage. This means that in case of default, the lender in the, 1st 2nd Mortgage, first mortgage is paid to the mortgagee, which issued the second. Thus, guides 2, is considered higher risk and lenders often pay higher interest rates, but this figure is lower than a free loan guarantee or interest charged on credit cards. Second mortgages are subject to, 1st 2nd Mortgage, taxation, a major benefit for most people.



Recovery period was long enough that the monthly payments are lower, and the total amount of credits, usually more. There are some drawbacks to consider when thinking about the second mortgage, says Brett Bostwick, owner of the mortgage Snowbird. It takes longer to get approved several documents, and as such a loan without closing costs, such as evaluation and research of the title, he said. Unsecured loans unsecured loan lump sum payment that is due to a fixed rate of interest in equal installments over a short period of time, typically 5 years or less.



In contrast with the second mortgage loan, the collateral is not necessary to secure the loan. Loans are relatively small, typically less than 15,000 $. Interest rates on unsecured loans, which are sometimes called personal or signature loans, 1st 2nd Mortgage, are determined by the fact that they are considered a good credit risk. In other words, the higher the credit score, the lower the interest rate, and vice versa. Bad credit scores will get higher interest rates, sometimes the same or greater than the interests of the credit card you pay.



This is exacerbated by the fact that a loan without collateral is considered high risk (no warranty), and banks can pay interest rates that are often very high, usually higher than the interest rate on second mortgages will be, but is generally less than 18% more debit

1st 2nd Mortgage: Homeowner Loans - Are They Different From Secured Loans?

Let's face it, getting a loan can sometimes seem traumatic. Where to go for a loan? How much can I borrow? Loan that is best for me? ..., 1st 2nd Mortgage, I think this is just some of the questions recently asked, right? If you are a homeowner, even worse, in some respects, because there is a much wider range available to them, and yes, this includes homeowners loans.So credit guaranteed, what is the difference? Well, the truth - "many"! There are many manufacturers, lenders and brokers who use both terms, but in reality they mean the same thing.



So if you are looking for a loan and intends to use some of the actions that have accumulated on your property, home loan could be secured, 1st 2nd Mortgage, for you. (Sorry - that means the same home loans and secured loans as well! Put a little 'lead as the election of a minute!) If you have a mortgage, that is, you have an open house, you can not choose a secured loan . This is because the lending industry, the technically correct term for a loan secured credit load 2, so called because the first mortgage charge.



If you default the mortgage, the mortgagee can be deleted from your credit and income from forced sales of property the amount due to them for 2 or secured loan, the creditor could claim their share of revenues to cover their loans . Therefore, one can not have 2-second charge on your property, if 1 is not exist.Similarly tax if you rent your house, that is, you are a tenant, you can not apply for a homeowner or a loan guaranteed, because property. go to a personal loan or an unsecured loan (under a different name).



Confusing is not it? What can I use the credits to the owner? The most common goal for the home owner loan debt consolidation (batch conversion of existing loans on a loan guaranteed). Happen at any time of year, but especially after the Christmas, 1st 2nd Mortgage, and summer holidays, when many people have decided they can reduce their interest payments on credit cards, homeowners loan.The following reason for choosing home improvement popular . If you have builders and even do it yourself, you can use bricks and mortar, you need to help you get the money to cover costs associated with the changes to be done.



.. and other common reasons that homeowners take out a loan are: - luxury vacations away from the, 1st 2nd Mortgage, new car, motorcycle or RV, a beautiful wedding to remember - or simply to give something special.So wait? "Go on, indulge! Home loan is easier to implement than ever. It just takes a minute to explore broker guide online, and you can have in principle decided to contact you in minutes. Of course, you must complete and sign the loan agreement and ensure that sufficient time available to all credit, which is usually about 4-6 weeks.



happy hunting!

1st 2nd Mortgage: Learn How and When to Use a 1st, 2nd or Reverse Mortgage and Utilize the Equity Built in Your Home!

Around the house with the necessary experience, you may encounter unexpected events, using them to expand and reduce both its debt and equity in your property. Mortgages are just the changes in the amount of money that is required (duty), and the amount of assets of their property (home equity). The first time you buy a house, often by the end of the first installment of the price of the house and then borrow money from lender to cover the rest of the price. Also, payments for a mortgage or a fixed or variable, based on pre-interest rate and terms.



The agreement with you and the entity is called a mortgage. And if it is only a mortgage on the property called mortgage.In first case of this first mortgage would probably have a higher amount of debt, equity, if the course you borrow less than the left, there would be l ' amount due to home equity. Every time you make a payment to a creditor, the debt reduction and home ownership more equitable. This occurs until the loan was made, and the mortgage is paid in full. Currently, the property is free and clear, and has right.



Anytime assets during the life of the loan, first of all, homeowners can borrow against the value of a house built in the family and take the second mortgage. Second mortgage on real estate loans, which have already been committed as collateral for the previous process mortgage.The second mortgage is very similar to the process of development of the first. However, as you borrow against the equity already accumulated in the house, the second mortgage are rights that are subordinate to the former.



This means that the second loan is the second to sue and the second choice in case of insolvency first mortgage. For this reason, interest rates are generally higher for a second mortgage for mortgage.When first to the second mortgage, it is important to offset the costs and benefits. You should shop for credit terms that best meet their recruitment needs, without creating unnecessary financial risks. Eventually, with the tasks of the second mortgage, the owner is likely to default and you may lose the house.



Make sure you buy a second mortgage as hard as before, a comparison of the annual interest rate, points, fees and prepayment penalties. All these conditions can make a big difference, 1st 2nd Mortgage, in the amount of money you pay in line to occupy her house in the situation equity.As first mortgage, second mortgage generally increases and decreases in arrears on its capital. On the contrary, is that the reverse mortgage reverse mortgage.In, borrow against home equity in your home and get money in the bank, without having to sell your home or make monthly payments.



This money can give homeowners a monthly advance in cash, in the form of a lump sum as an account, 1st 2nd Mortgage, of a loan, which determines when and how the money is paid to you, or a combination of these payments. Owner does not make the payments, provided that lives in the residence. If the owner has to move, sell the property or dies, the loans to pay off.In,, 1st 2nd Mortgage, 1st 2nd Mortgage, To get a mortgage not, you should be at least 62 years and own a home. This option is for the reverse mortgage is ideal for homeowners adults who are equity rich and cash poor.



In the case of a reverse mortgage, an increase of debt and equity decreases.Depending, at which stage the experience of home ownership, which is always important to know the options, as a landlord. With the ability to assume its share of equity, you can have cash for home improvements, make improvements to increase the overall value of your home, or live comfortably in the presence of money for you, but you have equity as home.Being, 1st 2nd Mortgage, the owner of the house can be useful in many ways, and be able to use the money at home is one of them.



Always study the conditions of a mortgage, the loan is always a qualified, reliable source.John R Blakefield is a specialized guides and real estate. For more information, articles, news, tools and valuable resources, mortgages or loans, financing, debt solutions, visit this

1st 2nd Mortgage: Negative Credit But Require A Home loan ?

Bad Credit Loan Mortgage MortgageBad designed specifically for people with bad credit. Mortgages and bad subprime mortgages are growing problem of credit today, normal environment, mortgage lenders and many guides offer very competitive plans for responding to this growing market trend. Change your life for the better sub-prime loans credit loans, which are accessible to people with bad credit, which can put a mortgage as collateral for a loan. Contain, 1st 2nd Mortgage, subprime loans become more popular.



Fortunately, there are simple steps you can take to ensure that your mortgage loan bad credit is not a gift and a curse. Many sub-prime loan prepaid credit penalty, so make sure that the loan does not contain one. If you need a loan with bad credit, then you must find the liberation of all the facts before committing to anything. What is the difference between a bad mortgage loan, even a standard mortgage. In fact, the bad mortgages is very similar to a standard mortgage. When you choose a mortgage with bad credit, you must be sure that you can apply the essential terms, if you can prove that you create regular payments as agreed with the lender, can help your credit rating.



Despite the bad mortgage market is much smaller than the primary market guides, still can seem complicated. Bad Credit Mortgage Broker thorough knowledge of all solutions on the market, but also be able to look at your situation to see what supplements might be for you the highest quality, 1st 2nd Mortgage, . Please include the debts of the credit card level, was declared bankrupt, was the decision of the District Court (CC) in relation to you or keep Mortgage Application refused in the past, you should apply for loans bad mortgage broker of loans as it probably will not be approved for a mortgage loan standards.



You will learn how to lending to the institution more effective when the subprime mortgage in question, and all you have to be ready when it comes to subprime IndustryThe resources.Mortgage mortgage finance industry is experiencing a credit crisis throughout the country, which has strengthened the guidelines on a number of principles mortgage lenders, but a number of employees permanently with the crusade for financial institutions seeking proposals for the release of housing equity, along with various programs to refinance mortgage Customers who need it most.



Therefore, we need to ask the lender exactly what, 1st 2nd Mortgage, the programs were tailored for you if your credit score below 500. If you can help with refinancing or getting a loan bad credit and other officials free from hunger hunting intelligence business.The thing you can do is refinance the 1. guides and 2nd longer pay the bills, 1st 2nd Mortgage, and debts on credit cards, loans, subprime loans can be used to purchase or refinance your home equity. This is a very popular choice as a good way for owners to take action in their home free and even get money to spend on other projects or simply to eliminate bad debts, especially if you obtain a mortgage and debt, as if contain sufficient capital for their other credits is less than 80% of the value of their homes, you will be able to suspend the payment of private mortgage insurance (PMI), which will save even more.



Getting a permit for the main line issued by justice of, 1st 2nd Mortgage, money for repairs to restore the credit refinancing their mortgages and stated income loans, and loans for Doc likely.Bad are employees or self-management strategies of the mortgage loan ratesThis can help to make the most of the brand new credit facilities, to minimize damage to your past credit, creating a more secure financial future. The loan will carry interest rates higher, as well as having a higher level of closure.



Should determine the types with some bad credit lenders and compare. Despite containing a higher percentage of payment, refer to "Fit in a reasonable price and a great

1st 2nd Mortgage: The Truths Of Loss Mitigation Leads

Loss mitigation leads the most powerful tools to help homeowners save, 1st 2nd Mortgage, their homes from, 1st 2nd Mortgage, the worst of enemies, foreclosures. A sufficient understanding of basic concepts, but it is advisable in order to fully exploit the potential of millions of homes now hangs leads.Several balance between being the owners to be taken in sealing, the worst nightmare for owners of housing. Worse still, the global financial crisis that the world has made the already difficult task of making mortgage payments on time, even more.



Unfortunately the owner on the verge of losing their homes is much higher than the expected seven million accounts. Claws destructive exceptions, most owners destroyed, communities, creditors, industry and the economy is almost impaled paralysis.Homeowners not affected by the disaster, the exceptions must learn from the misfortunes of his teammates are homeowners not to add any number of deaths of origin. Most of them are now in fear of losing their homes have been those who have fallen victim to predatory lending or guidelines, casually investors.



But others are more likely to have new ones that have suffered hardships such as unemployment, injury, death of a family member, poor budgeting, and the threat of global financial crisis. To plunge into the depths of the exception are those who willingly or not trained to do the wrong move away and do nothing to believe in the promise of a short sale, purchase, or the, 1st 2nd Mortgage, possibility of returning to the market within a few days . And some homeowners simply do not understand or know very little about the effect long-term side effects and rebound, that, 1st 2nd Mortgage, these measures will lead to owners of homes, communities, industry, homeowners and the whole economy.



In spent more options such as refinancing or looking to sell their homes, and then use the money to pay its debts. However, reduce the size of the economy has pushed forward the principles of strict credit and the continued decline in market value due to massive inflation eliminated most of the opportunities that the landlord could take. So owners of liabilities crisis increases and falling home values, are forced to take other options, often more radical. Today owners require in exchange for help in making a short sale and quick home before taking a public auction.



Unfortunately, this company is risky, because many suppliers are reliable and not just trying to steal the entire outstanding principal and go to the landlord. Therefore, not those who take the necessary precautions are very vulnerable victims of these predators mercilessly. But the relationship with the mitigation of loss and change to legitimate credit providers may be the best choice you can save themselves and their owners simply blindfolded home.Other ignore the fact that they are in grave danger of losing their homes.



Do nothing until it was too late to get a favorable decision as a result of contradictory information. They need time to reduce losses and changing loan programs, and it is always best to ask for help from homeowners just know that the penalty for their exclusion is terminated and the short sale home.Both have negative consequences for all parties involved, the landlord loses his house and the lender loses money and face high costs of running the household along with a decrease in market value, which can not be sold.



To better improve the economy of the owners, lenders, and mitigation, and loan losses to change society should have a better understanding of all the available options, along with all consequences.1 possible. REFINANCEPro: Owner HomeCon Save: 80% do not meet the requirements and new payment is higher than the initial paymentsComment: Usually a temporary solution, which can cause more long-term challenge2. SALEPro: Canned credit and access to existing equityCon: the lack of equality and the limitation of time and opportunity for the owner moved out homeComment: Depending on the existing assets and liquidity home.



3. BANKRUPTCYPro: extends the collection process for a period of timeCon: Tactics so, 1st 2nd Mortgage, tarnished credit expensive or involves the exclusion

1st 2nd Mortgage: Mortgage Q&A

Someone get a change mortgage? What will be the result? There are 1 of the mortgage and credit line (the maximum) and about $ 1,500 revolving credit balance every month (excluding utilities, food and expenses) is not close enough to come in support. Trying to refinance lender Hope 1 ... Anyone from San Diego I am looking for a mortgage right for me? Husban mine and I want to buy a house, but we have a lot of debt. We all pay your bills on time, but Dont butget enough for the house, and my friend paid me, I can get credit for .



.. Nobody here aims GMAC> fraud guides SLS?, 1st 2nd Mortgage, Evidence continues to SLS is a deliberate scam designed to trick borrowers, 1st 2nd Mortgage, and the Federal Reserve System. Do you have a story that I mean, and how its management Foreclosures forged or counterfeit checks specific to other ... Anyone here work abroad or mortgagee? Ask a mortgage with my partner, financially secure etc, but unfortunately, now works at the agency, despite my current job, of course, will be surrounded by a couple of months, and I was Where the hell are .



.. Any person who has a mortgage through the U.S. World Bank? I wanted to get your comment on this because it is very likely that this is what we will use to reach our house through a mortgage. I, 1st 2nd Mortgage, have a mortgage Thurugh them, but my credit card, believe me, once we are able to support the new cards ... Any person who has no idea that the mortgagee over? I will try to spend about 300-320K is almost 3 months and have great credit - 802 last I checked. Thank you! What is an institution that has been in the bank? Ingrid Chase Bank, really .



.. Any person who has no experience of buying a duplex as an investment property and use the lease to pay $ $ mortgage? Any good resource for this type of investment, 1st 2nd Mortgage, and to become a homeowner. where land is a good place to learn the location and responsibilities of the Lord on Earth. All rights ... Anyone with information about the closure of the eastern hill American mortgage? I was with them when they are a convicted felon (for financial fraud), works outside of his office in Little Falls.



So I am not sad to see them anywhere. But I would like more information about why not .... Anyone with a creative way you can get a mortgage brokerage business of prevention? Get out and enjoy meeting new empire. My husband and I went to the beach and sand pit verbs. We are always curious glances of the family - some approaches, while some just passing through. ... Everyone knows that lenders will give you a portfolio of mortgage loans in a mixed-use property contained in California? I can not pay 35% of the loan money is difficult, but I heard that some banks portfolio (loans from lending institutions, which marks their portfolios are not sold on the secondary market) .



.. Does anyone know how I can get a mortgage? I want to buy their homes. At the moment I have a good credit rating. At home, I want to buy 3 bed. Because of this, we also know how to lead students in a bank, take, etc ... Does anyone know a mortgage lender? Does anybody know what a mortgage lender that lends itself to those who work in the short permanent status? You have the expense of the embankment? check. You can also ask to contact the mortgagee. you should have. ... And 'Does, 1st 2nd Mortgage, anyone know where the hell contained in the United Kingdom, I can take the form of restructuring in 2003, Peugeot 206 HDi no need for a mortgage 2? I checked the main distributor in the UK - they want silly money for him.



All I want is a fabric (Velvet Blue) to cover the driver's seat back .... Does anyone know where on earth to find pre-release guide?, 1st 2nd Mortgage, "I tried to negotiate with my mortgage company and tried to find a sample of a musician to play them to know our problems ... all information will be used. Thank you in advance. Do not use a form of memorandum ... Anyone who has any suggestions as my own brother got stuck on the mortgage? brother for two months on their mortgages, which have already re-financing.



The payments are $ 1,500 a month, and I tried to discover whether the parties

1st 2nd Mortgage: Real Estate Investing: Short Sale Package 101

I have been asked many times during my travels to conventions, a very important package of short selling. First, a short sale package to the bank or loan, ask before accepting a discount on 1, 2, 3 or even a mortgage. The package includes many things that are important and which can be used to influence whether a package of short sale was rejected or accepted. And do not forget to leave your research, if it could affect the ability of creditors property.At As with any short sale package, which includes everything that you asked.



It seems obvious, but sometimes people do not understand some of the materials requested. A good idea is also to check that the use of various lenders. When you see the agencies asked what is not another institution, which includes both pieces of material. Includes all the same material in each package for sale soon, unless, of course, do not apply and hurt his letters price.Hardship offer are an important part of any package of short selling. When you go to the original owner, and the letter requesting it difficult to do certain things.



First, make a hand writing a letter. Second, be sure to tell the truth, many of these situations is more than enough for a provider to understand what happened and why the owner has not paid the mortgage. Finally, to be brief! Make sure that the landlord wrote a letter that gets to the point and contains fluff.You should be included in police reports. Every quarter of every part of America has made certain types of crime. Do not forget to report the crime is worse than the best case. But I heard by the lenders under the influence of reported theft of two years.



That is why we must strive, 1st 2nd Mortgage, to understand the police report on every package of short sales in each district, regardless, 1st 2nd Mortgage, of how well luxury or area can be. Another aspect, which is similar to a police report from every region reported sex offenders living in this area. They are recorded and you can get this information easily. Include this report in the sales package is now open! Classification of school district is, 1st 2nd Mortgage, very important. In today's world, more and more families, pay attention to school districts that move.



All parents in America want their children to receive the high level of education. Really makes the homes in poor school districts are much more difficult to sell. The banks know they will let you know if the house is in a school for poor neighborhood. This appetizer could easily influence the opinion of lenders around the neighborhood home.These only a sample of numerous documents and additional materials, such as the investor must be included with each package of short sale is sent to any creditor.



There are many other things you can include, but much depends on circumstances. As he becomes increasingly, 1st 2nd Mortgage, short selling, ask yourself what in the house or neighborhood that make it a pleasant place to live. Keep track of all your answers, and soon will be able to write the sales package, which will soon be impossible to refuse! As an investor in a short sale, you must do everything in his power to make the lending institution is taking a short offer for sale. For more information on short sales and real estate investments, visit

1st 2nd Mortgage: Lender Questions and Answers

Good guides vocabulary? There are 1st time home buyers. My credit score 760 and my husband 672. We machine offers 100% financing (No. 80/20) for a 575k house. Fixed interest rate for 30 years at 7.25%. We will not pay PMI. Closing costs will be about 29K. Is that good or you can do better, close to another creditor? We have until April 2 and taking out a mortgage on our contract with the wholesaler. Has much to anyone with creditors Evelyn Doyle? Confirmed Loan showing their, 1st 2nd Mortgage, possessions sports car or send a deposit of $ 150.



00. Does anyone know of a reliable lender, which is about success? Has anyone heard of / used the loan services Greenfield (www.greenfieldlending.com)? Are reliable lender? I'm thinking of getting a personal loan guaranteed by them, and are asking for 4 months. advances ($ 860), which will be applied to the head, and my first payment will not be up to 07/07. Is this normal legitimate basis? Please advise. Thank you! Someone Group loan credit with Canada? I want to know if this is legitimate or a scam!? I applied for a loan with the group lending and sent Candian surrounded by a 10% deposit grams! I was a guaranteed loan, but we have not yet received that 2 weeks.



I told my lender was still moments Alst (and rightly so!) I wonder if anyone has received a loan from this company and have received your deposit! Thank you! Help me find the name of Chris Peters.? Hes a hoax, a great Lear, pretending to be a reliable loan lender. I wanted to warn the adjectives I others.how users of this domain from Yahoo know about him? He must be arrested and taken to jail, 1st 2nd Mortgage, . Hello, I want to find a lender or private, 1st 2nd Mortgage, lender lend me 5000 to offset bad debt, the unknown to start a new life.



? I want to find a personal loan, including the United Kingdom or from a loan company 5000 sour pay all debts of another year to run any further consolidation of all debts that I did not take much credit is bad? knowledge of financial companies that allow you to turn a bad credit? I'm stuck in a rut and want to find a lender that will give you a game, I would be all over the Internet, the local names of companies, all leaders of a change there is no response, or payday loans are high limits which offset amounts end.



I'm in a very self-defeating at this time and draw a creditor, who will give me oppurtuinity, to prove himself. I currently hold the loans outstanding, but nobody is going to conduct a credit of up to 6 mnths PMT stories well, I only have 3 shows so far, ie, all loans already out. ANY HELP PLEASE! How can I get my interest rates fell in the adjectives my credit card? Can I pay by credit card best manager of the credit rating acidic gypsum. We own a nice home with new furniture adjectives Accessories, 1st 2nd Mortgage, (House 1971) add-on study, fully paid little.



I can not find a lender to give us credit for our home as collateral. How can I get a personal credit if I am useless? Hello. I am currently trying to get a personal loan AU $ 10,000. My income is 60,000 $ / PA through a stable service and can easily make the payments. However, more than 2.5 years ago, when he moved - I left my mobile phone bill of $ 200 free. At the moment, and between the time that I installed the following account from my mobile operator, 1st 2nd Mortgage, of age. The problem is, 1st 2nd Mortgage, that even if I decided to read .



.. Still in possession of a black mark on his time in my claim by saying that although much has been busy .. E 'was strongly behind. Because of this, I can not find a personal loan with any of the central banks. It was attended, in addition to the loan can be found through any other lender .. The only type of credit bad credit can I find people who are already in debt (not) .. but simply as a loan consolidation. There is a place that can give me some money? Thank you. How do I clear my credit, after salaries, which have been updated? The leased assets (a relative - a sister) the lessee.



proceeds of my mortgage payments will be sent to the property and the rent is sent directly to the