Thursday, December 27, 2012

Top Ten Tips for Writing a Professional Overview or Biography

A professional biography or overview, showcasing your background, experience and expertise, is a necessity for every business owner. This often overlooked marketing tool is an excellent way to introduce you and your business to potential clients and possible strategic business partners. Potentially, it might open up opportunities for speaking engagements, radio or television interviews, or a feature print article. While any information about you and your business is helpful, information that is presented in a professional, well-polished manner can make all the difference in how others perceive you. Consider these important points as you craft your own professional biography.

1. One page wonder.

Your professional biography should be a few paragraphs and kept to one page or less. One page is perfect for copying on the reverse side of a handout or flyer. Several paragraphs, left justified make it easier to read and skim.

Top Ten Tips for Writing a Professional Overview or Biography

2. First, second, or third person?

Always write your biography in the third person. That is, refer to yourself by your name or she/he as appropriate. It sounds more professional as it appears that a third party wrote the text. For example, "Alexandra has been featured in the New York Times, Forbes, Newsweek, and Time magazines."

3. Business in brief.

Not only do readers want to know what you do, but also they want to know who you work with - because they might want to work with you! A professional biography should include a sentence or two about your business niche (or niches) as well as the types of clients you serve. A modified version of your 30-second elevator pitch might be perfect.

4. And the winner is....

Make sure that you include a list of awards that you have received. Readers are interested in knowing about your talents and the organizations that recognize you for them.

5. Organizations.

Include names of the organizations, clubs, or associations to which you belong. A reader's interest might be highlighted at seeing that you belong to the same alumni association or professional business group. Again, these connections might possibly lead to some interesting and exciting business opportunities.

6. Certifications and designations.

Include any professional certifications or designations you hold. Make sure you write out their names in full, rather than use abbreviations. Not everyone might know that CMA stands for Certified Management Accountant. And, perhaps, in a different discipline, it might represent something else - like a Certified Materials Analyst. If you no longer hold a particular designation, but it has played a major role in who you are and what you do, don't hesitate to make a reference to it. For example, "Ann is a former Certified Data Processor and spent the last decade as an adjunct faculty member teaching higher mathematics at the University of Colorado, Boulder." Don't include abbreviations of college degrees, like MBAs as it looks unprofessional. The only exception to this would be for a Ph.D. designation.

7. Published?

Have you written any articles, books, e-courses or e-books? Self-published or not, your works add to your level of professionalism and credibility. Showcase them in your biography and you might earn additional royalties in terms of new clients or other opportunities.

8. Did I mention the media?

Have you been a guest on talk radio or television? Were you or your business featured or even mentioned in a newspaper article? If so, readers want to know. Again, these types of "mentions" add to your credibility and presence.

9. Call me any time.

People who want to know about you will read your biography for just that reason. And, if its compelling, rich, and includes the information they're interested, in, they'll want to contact you. Include complete contact information like your title (if any), name, address, telephone, fax, email, and website address. Make it easy to find this information by including it in the last paragraph of your professional overview.

10. Write, rewrite, and do it again.

After you have written your biography, edit, edit, and edit again. You may need to do a dozen or so revisions before you get it just right. Eliminate extra words, use descriptive words, keep the sentences short but varied in length, and write in the third person. Ask some friends to provide input as well. Make sure to revise your biography regularly to keep it up-to-date and refreshed.

Copyright 2004 by Tara Alexandra Kachaturoff.

Top Ten Tips for Writing a Professional Overview or Biography
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Tara Alexandra Kachaturoff is a business consultant, writer, speaker, Certified Guerrilla Marketing Coach and producer/host of Michigan Entrepreneur Television. Drawing on over 15 years of corporate experience, she coaches executives, professionals, and entrepreneurs on business and lifestyle issues and has been featured in print, radio and television. Her websites include http://www.virtualleverage.com, http://www.tarakachaturoff.com, and http://www.michiganentrepreneurtv.com

Wednesday, December 19, 2012

History of the Camera

Early cameras of the 16th and 17th century were able to project images onto paper or glass but the study of capturing, processing and printing the images took many more years. Up until the 17th century, scientists believed that light was composed basically of the 'white' that is perceived by the human eye. It took the research done by famous physicist Isaac Newton to discover that light is actually composed of a spectrum of colors. While he made a big contribution to the study of optics (that is at the core of camera advances) with this discovery, Newton did not actually have anything to do with camera development per se.

The early camera that first became a phenomenon was a little more than a pinhole camera and can be traced back to 1558. It was called the Camera Obscura. The Camera Obscura was seen as a drawing tool for a clearer and realistic portrayal of objects. It was in the early 19th century that an invention named the Camera Lucida was introduced by Cambridge scientist William Hyde Wollaston that consisted of an optical device that could help an artist view a distant scene or person or object on a paper surface that he or she was using to draw. In other words the artist gets to view a superimposed image of a subject on paper and this image could be effectively used to attempt to draw, trace or paint it. Both the Camera Obscura and the Camera Lucida provided an image that was temporary, which could not be lastingly captured on to paper for later reference.

Studies however continued well into the 1800's on how to actually capture the image onto material. It was during this time, around 1822 that French researcher Joseph Nicephore Niepce, created the first photograph by using paper that was coated with a chemical. The image would not stay permanently on the paper and would disappear after a short while. Even so, despite the short-lived nature of the image, the concept of photography was born with this experiment and paved the way for further study and development in this field.

History of the Camera

Capturing images to retain them longer and permanently became the next big quest for researchers. Another Frenchman Louis-Jacques-Mandé Daguerre partnered with Joseph Nicéphore Niépce in 1829, to develop the process of creating permanent photographs. Joseph Niépce died in 1833 but Daguerre continued with the work and succeeded in 1837 after many long years of experimentation. The process of capturing photographic images that would not fade away, introduced by Daguerre came to be known as the 'daguerreotype'.

The word 'photography' was coined by scientist Sir John F.W. Herschel in 1839 and it is actually is derived from two Greek words 'photos' meaning light and 'graphein' meaning draw.

A slightly more advanced version of the daguerreotype called the Calotype process that makes multiple copies possible using the negative and positive method became available very soon after. In fact, it was during the 1840's that the use of photographic images in advertisements first started and cameras made their mark on the power of visual communication. It was not much later, in the 1850's that photographers first started experimenting with underwater photography of seascapes.

Up until 1850, the process of capturing images was cumbersome requiring upto half an hour of light exposure. The discovery made in 1851 by Frederick Scott Archer was a blessing since the new method termed the Collodion process called for just 2-3 seconds of light exposure to capture an image.

Prior to 1871, photographers went through a development process where they had to coat the plate with wet chemical each and every time and process the image immediately. With the invention the gelatin dry plate silver bromide process by Richard Leach Maddox, negatives did not have to be developed immediately. This was an important discovery since up until then the captured image had to be processed instantly.

Kodak created in 1888 by George Eastman has been a modern day pioneer of sorts in cameras and photography for the masses. George Eastman and the scientists who worked with him at Kodak developed the photographic film in 1889 and made it available in rolls for the mass use of consumers. An important milestone in our entertainment and communication history was the development of transparent roll film by Eastman. This development led to another key invention - the motion picture camera by Thomas Edison's in 1891.

-->Modern Times

During the 20th century the pace of technology development in cameras and photography continued at an accelerated pace much like many other key technology developments. While several key inventions like car, telephone and the gramophone record happened in the later half of the 19th century, it is the last 100 years that saw major developmental work in many areas of communications technology and as well as in other fields - TV, aircrafts, PCs, digital technology, digital cameras, mobile phones, fax machines and the internet, to name a few.

In the case of the camera, the developments simplified the whole process of photography, making it accessible to one and all at affordable prices and the camera industry denizens of our times made it into a mass phenomenon. The first mass use camera became available at the turn of the 20th century and can be traced back to the year 1900. There are hundreds of models of cameras available today both for the amateur as well as the professional and the camera is an important part of any family's repertoire of must have gadgets.

-->20th century chronology in the history of the camera:

1913: 35 mm still-camera created

1927: The flash bulb introduced by General Electric Co. (The concept of camera flash existed much before but was based on the use of a flash light powder that was invented by German researchers)

1935- 1941: Kodak starts marketing Kodachrome film and subsequently launches Kodacolor negative film. Canon released the Hansa Canon in 1936, the first 35mm focal-plane shutter camera.

1948: The concept of the Polaroid camera is introduced in the market. American scientist Edwin Land developed the process for instant photography. Later Polaroid Corporation developed the 'instant color' film around 1963.

1957: Frenchman Jaques Yves Cousteau invented the first waterproof 35mm camera for underwater photography named the Calypso Phot. The actual camera was developed by the Belgian airplane technical designer Jean de Wouters based on the blueprint and suggestions given to him by Cousteau.

1972: The electronic camera that does not require film was created and patented by Texas Instruments. This is however not the same as a digital camera though you don't require film in digital cameras as well. The launch of the digital camera is still many years away.

1975: Kodak's experiments with digital imaging kicked off around the mid seventies but it will take another 20 years before a digital camera for the home consumer market is launched.

1978 - 1980: Asian players like Konica and Sony begin to make their mark. The 'point and shoot' automatic focus camera is launched by Konica while Sony starts talking about the camcorder and demonstrates a prototype.

1981: Sony launches a commercially available electronic still camera. Similar to the 1972 invention by Texas Instruments, the Sony electronic camera came with a mini disc on which images were recorded and stored. The recorded images could be later printed or viewed on a monitor using a reader device.

1985: Digital processing technology makes its entry. Digital imaging and processing is introduced by Pixar.

1986: The camera industry becomes even more consumer focused and taps the fun and travel connotations behind camera usage, with the launch of the concept of the disposable single use cameras. Fuji is credited with the development of this concept.

Also in 1986 - 1987, Kodak started taking giant strides in digital development. Digital means, the photographic image is divided into tiny units of dots or squares known as pixels. Pixels are the programmable units of an image that can be processed by computers. Each image could be made up of millions of pixels. The use of pixels in digital technology allows storing large volumes of pixels to deliver high definition print quality.

1990: Kodak introduces Photo CD's. It is a system of storing photographic images on CD and then viewing them on a computer. With this development the user-friendly approach of the camera industry began to take concrete shape.

1991: Kodak introduces a digital camera targeted at professionals and journalists. Kodak is credited with the invention of a pixel based camera technology known to us as the digital camera. Digital cameras don't use film similar to their predecessor electronic cameras but the storage method is entirely different and the final photograph is of much higher resolution. In a digital camera photos are recorded and stored in digital form. This digital data can be transferred to a computer and processed for printing. Kodak and Canon are well known digital camera manufacturers and there are also several other key brands as well.

1994: The Apple QuickTake camera, a home use digital camera is launched. This is followed by the launch of a clutch of home use digital cameras by Casio, Kodak and others in quick succession during 1995 -'96.

-->The digital era:

The development of digital camera technology is considered to be linked to the development of TV and Video technology. The principles of transmission and recording of audio-visual images using digital electrical impulses finds use in camera imaging as well.

Through the 1990's the developments continued in camera technology, the focus now shifting to the field of digital imaging which is where the future lies. Use-friendly features like software that can download digital images directly from camera onto home computers for storing and sharing on the internet is the new norm in the market place.

The camera, the computer, the software industry and the worldwide web are today irrevocably interlinked to empower the user in experiencing the benefits of camera usage to full potential. The innovation that sparked many an invention in the camera industry found its way into the digital world as well and continued among digital camera manufacturers. During 2001, the Kodak and Microsoft partnership ensured that digital camera manufacturers could use the power of Picture Transfer Protocol (PTP) standard through Windows. The digital photo experience is a key visual driver in the Internet era. Many of Kodak digital camera models with EasyShare capabilities are compatible with Windows XP. The Kodak EasyShare software enables users to transfer digital camera pictures directly from camera to their computers and then print the pictures or even email them.

Manufacturers in a related industry like the printing industry have adapted their products to be in sync with the images created by digital cameras. Cell phone manufacturers have tied up with digital camera manufacturers to develop new age camera phones in recent years. These camera phones can capture images and share the images through the cell phone.

Among the 21st century digital developments are the advanced product offerings from digital cameras manufacturers and these are sure to occupy an important place in the ensuing history of camera development. For instance, the Kodak Professional DCS Pro SLR/c is a high-end digital camera and the Kodak website calls the DCS Pro SLR models the most feature-rich digital cameras on the market. It has an image sensor that can handle 13.89 million pixels and this makes it the highest resolution digital camera available. High resolution determines the sharpness or level of detail in photographic images. This is just a glimpse of the capabilities that digital technology places in a user's hands. Digital camera sales figures for 2003 show that the two key players Kodak and Canon have recorded impressive growth.

-->What does the future holds for camera users?

The features offered by digital cameras can be quite mind-boggling for the average user and pretty exciting for most pros. Four key ongoing camera developments that are likely to further improve the process of photography:

1. Greater resolution from even the simplest, low cost camera models

2. Usage in any type of lighting conditions,

3. Compatibility across a range of software, hardware and image types

4. Rich colors and tone

While the higher-end digital evolution continues, the prices of the simple camera have crashed to such an extent that even children and teens are proud owners of uncomplicated cameras. The camera and photography interest starts young and this creates a truly large audience base for the camera industry.

And throughout history, it is evident that the endeavor of researchers and developers has been to make the camera available to a wide section of society. Without camera technology and photography, the other key developments of cinema and TV would have been delayed and what a boring place the world would have been without TV and films!!

History of the Camera
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Sunday, December 16, 2012

Secrets to AHMSI Loan Modification Process

The loan modification process with American Home Mortgage (AHMSI) can feel like a horrible dream for many. Here are a few shortcuts that may help to spare your time and sanity through this process.

Know what department to speak with. A huge source of frustration for many homeowners is speaking with the wrong department. Customer service at AHMSI can usually only answer very general questions on your loan. Examples of good questions for customer service are mortgage payment due date, payment amount, interest rate, etc. Customer service is not a good source for information regarding the foreclosure status of your loan or any questions regarding the loan modification process. Many times a customer service rep will try to answer these questions, and you may get incorrect or inaccurate information. Save these questions for the loss mitigation or loan resolution departments.

Know your Making Home Affordable (HAMP) eligibility before you begin the process. You should research HAMP guidelines with AHMSI and do your best to determine ahead of time whether or not your finances will qualify. If you know that you will qualify for HAMP than you will want to make sure and ask them to review it for this program, before any other options. If you figure out that you won't qualify ahead of time, you should make sure to point that out to AHMSI and request that they review it for "in house" options instead, right away. You don't want to waste the time having them review your loan for a program that you already know it won't qualify for.

Secrets to AHMSI Loan Modification Process

Always ask if a negotiator has been assigned. The AHMSI loan modification process moves very slowly. When you near the end of this process your loan will finally be assigned to a negotiator. This is when all the documentation you have provided them will be reviewed and a decision made on your loan modification. You may be able to get your negotiator's direct phone and fax numbers, you want to get this and keep it. Update any information or documents they need as fast as possible and be sure to keep communication open at this point.

AHMSI is not always an easy lender to work with, however they continue to offer many options for homeowners struggling with mortgage payments. Prepare your finances correctly ahead of time and keep calling them, eventually they will modify your loan.

Secrets to AHMSI Loan Modification Process
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The author is a licensed real estate broker and has been on the front lines of the "economic crisis" since the beginning. He continues to fight for consumers nationwide. If you need help fast with a loan modification he provide's consulting services to share his experience working with every major lender in the country.

Our consulting fees are never in advance and always affordable for any budget.

Northeast Settlement Group LLC
866-794-1869 Toll Free
AHMSI Modification Prayers Answered

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Friday, December 7, 2012

Features of a Fax Machine

The variety of functions that today's' fax machines perform make them indispensable to the modern offices. They double as printers, copiers, retrievers and telephones. All these tasks are performed without the bother of sending emails and taking print outs. Documents can be sent and retrieved at the click of a button. These devices are very fast and it usually takes 3 seconds to transmit a page at the speed from about 14400-33600bps. Auto-Redial ensures that the fax is sent to the recipient without any delays if his/her phone is too busy.

Messages can be received and sent and the received and the hard copy on plain paper have a resolution of very high quality and astounding clarity. The function of the copier on the machine makes it possible to obtain over eight dozen copies almost immediately and it has the inbuilt capacity to store about ten dozen pages for over forty hours. The size of the material to be faxed can be modified and adjusted to fit on A-4 size paper with the Thermal Transfer function. The compactness of these machines, their stylishness combined with feather lightness ensures that they can fit on the top of your desks with the minimum of pain! They consume very little amount of power and are highly user friendly.

Some new features include the thermal transfer faxing which is considered more economical and cost effective in the long run. For on thing there is no need to buy ink cartridges for the print out on the paper. Instead, the thermal paper has the power to store ink and the heat generated will help to print the impressions on to the paper. This is a new concept and one that is catching up very fast. The thermal transfer fax has a phone combined in it and can be used like the normal telephone when it is not set in the fax mode. The memory storing facility is so efficient that it can store up a memory of 15 pages at a time. This works very well when bulk faxing jobs have to be undertaken.

Features of a Fax Machine

They also possess an Error Correction Mode that facilitates the easy reversal of errors performed while faxing from a remote access from phones at a long distance. They may also be operated from a variety of locations. The icing on top of the cake is that it can send the faxes to multiple locations (over a hundred!) at the same time without any delays whatsoever. Other plum features include speed dial, group dial and distinctive caller tones for identification in its phone functions and TWAIN imaging for sharing photos and drawings. This is a feature that would be very helpful for architects in minimizing their work.

Features of a Fax Machine
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Find Brother Fax Machine reviews, Panasonic, Sharp and more at faxmachines.org.uk

Monday, December 3, 2012

The Evolution of the Telephone

Alexander Graham Bell most likely had no idea that he had discovered what would eventually change the world in more ways than can be imagined. The technology that started out for telephones has led to more discoveries in the telecommunication field that keep people in touch and connected around the world.

The Early Days

On March 10, 1876 Alexander Graham Bell transmitted the first speech using electricity. From that day forward, the telephone system changed every aspect of life. Although it did not immediately change the world, it set communication on a path that would alter the future of communication.

The Evolution of the Telephone

The initial lack of acceptance of Mr. Bell's discovery was due the telegraph being the dominating form of communication and it had been around for over 50 years. This voice across electrical lines that Mr. Bell was proposing was a new and daunting discovery.

In the late 1870's Bell took his public telephone demonstrations on the road in an attempt to raise awareness and public finance for the project. Mr. Bell presented the telephone as a broadcasting system.

Initially, phones connected only two lines. In June30, 188 there were 287 phones installed, by July there were 750. Ten years later there would be 167,000 phones and a maze of wires overhead. (Pool, Ithiel de Sola; _The Social Impact of the Telephone_; Cambridge, MIT Press, 1977.)

Technology

Mr. Bell wasn't the only person working on ideas that would impact telephone technology. Thomas Edison invented the first transmitter and receiver that would be practical for commercial use. He had already invented a type of multiplexing that allowed messages to be sent in opposing directions simultaneously.

Many more changes came about in the ensuing years and AT&T incorporated in 1885 to lease phones to homes and offices but maintained ownership of the technology.

Then, in the 1880's the switchboard came on board. During this time, there was no dialing, no signaling system, and no electronic switches. Callers would crank the handle; get an operator who then connects them to their party and then have their conversation. This type of system had no ringer to alert of incoming calls and no privacy due to the operator being the middle man holding the call together.

By 1946 the number of telephone callers made switchboard operators' jobs too much for people alone to handle. Nearly a quarter of a million operators were working for AT&T in 1946 but that number would decrease significantly with the invention of automatic call switching.

Although this switching system was invented in 1889, it was not until 1914 that it was installed on a large scale basis in New Jersey. Then, it wasn't until 1976 that the first computerized switch was put into action and by 1982 almost half of all telephone calls were switched electronically.

Turning the Century

Bell's patent ran out at the turn of the century and approximately 6000 independent phone companies opened up shop. These independent companies could only connect locally, AT&T refused to allow them to link to the national system. Instead, they waited for the little guy to go bankrupt and then bought them out.

In 1984, AT&T got out of the local telephone service at the end of a ten-year lawsuit pushing to break up the telecommunication giant. This resulted in the forming of the so called 'baby Bells'.  This breakup also allowed users to own their phones and hook up their own devices to them.

Prior to the 20th century phone systems used twisted copper wires which were expensive to install and absorbed a great deal of electrical energy. The coming years would see copper wire give way to coaxial cables, then microwave stations and then telecommunication satellites.

Digital transmission, though not new, did not come into telephone play in a large way until the 1980's. Using fiber optic cables, digital transmission was up to 125,000 times faster than that of copper cable. Copper wire is still in use in many areas due to the high cost involved with running fiber optic cable to every home, though many areas have replaced the lines with fiber optic cable.

Beyond the Telephone

Having mastered the basic telephone and communication across great distances, there were still technological advances waiting to be discovered. The fax machine uses telephone lines to transmit digital signals to a modem on the receiving in which decodes the signals into messages. Then along came the mobile or cell phone.

Cell phones appeared in the early 1980's and today there are millions in use. Cell phone networks use the regular phone system connected to a computer controlled center and transmission towers to transmit messages. Originally, there were few transmission towers and the mobile phones were bulky and had to be used near towers in order to have clear transmission.

Within a few years, the phones became small enough to fit in the palm of a hand and towers were located nearly everywhere. While there are zones with poor reception, most cell phones are always in a usable zone.

Today, cell phones do much more than just allow for voice conversation, cell phones allow access to the Internet, email, business applications, pictures and much more.

The Evolution of the Telephone
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The modern telephone system has come a long way. From Alexander Graham Bell to the Blackberry Curve and VoIP, communication has evolved dramatically. The evolution of the telephone system has changed the way we socialize, do business, and even live our day-to-day lives.

Saturday, December 1, 2012

Free Reverse Cell Phone Lookup Websites - Do They Exist?

Is it really possible to run a free reverse cell phone lookup on the internet? Many of us have become disillusioned and frustrated in the past with websites which appear to offer free products or services online but in fact do not. Is this the case with cell phone lookups?

Firstly let us examine exactly what we mean by a phone number lookup. If you have in your possession a residential phone number but no idea who the number belongs to or what address it relates to you can use a "reverse lookup" service to find out those details. This can obviously be very useful in situations where you have lost contact with someone but still have a record of their phone number, or simply wish to verify who owns the number before mistakenly phoning the wrong number. There are many places you can perform such residential and business phone lookups online for free, including toll-free numbers.

However a problem arises when you need to run a reverse lookup on a cellular phone as the free directories do not contain any such numbers. Similarly they do not contain fax numbers as this information is only held by the carriers and telecommunications companies. Do these records exist, and are they free?

Free Reverse Cell Phone Lookup Websites - Do They Exist?

The good news is there are websites which claim to offer large numbers of cell phone numbers, but they are not free. These websites naturally have to pay for access to some of this information, and go to the considerable trouble of pulling all the various resources together in one place, and as a result you will be charged a small fee before you can access the lookup databases. However the fee is a one-off payment and with some websites you can run as many searches as you like once you have access, with others they offer a single lookup for a lower fee. The records they claim to offer include cell owner details, address history, carrier details, and the phone connection status. It is also worth noting that the databases offered by each company differ to some degree, but most include cell phones and often residential, business, toll-free, even pagers, and these websites say your searches are guaranteed legal and confidential.

In addition to reverse lookups there are also similar websites which offer access to information such as background checks and background reports, people finder databases, bankruptcies, liens, public records databases including births, deaths, marriages, divorces and adoptions, sex offender records, police records, and much more. These sites operate in the same way, offering access to specific types of information for a set fee, however it should be noted that you will not receive access to such information as part of your cell phone lookup site membership.

I have seen websites claiming to offer free cell lookups, but they always lead eventually to the paid sites in the end, even allowing people to search for free and then charging to view the results. It is the sad truth that the only place where you are likely to find detailed reverse cell records is within the legitimate paid directories. In conclusion, the answer is no, free cell phone lookups do not currently exist. However if you really want to access such records then I believe paying a small fee is a price worth paying.

Free Reverse Cell Phone Lookup Websites - Do They Exist?
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For more information including a list of popular reverse cell phone lookup sites visit Cell-Phone-Pages.com. Cell Phone Pages also contains hundreds of cell phone and telecommunications articles and resources covering all aspects of cell phone safety, security, accessories and shopping.

Tuesday, November 27, 2012

Reverse Fax Number - How to Find the Owner of Any Fax Number

You find yourself smiling as you sit down at your desk, turn on your computer and open the Internet. You almost, almost, laugh as you visit a reputable site, type in a number you despise and wait for results. This individual has been plaguing you with fax after fax, wasting your time and patience with obvious attempts for your personal information. It's a scam, and a poor one, and you finally think you can do something about. So you stare at the screen, watch the page change and...

Discover that there are no results to see.

The site that so many claimed to be flawless has just failed you. The number cannot be retrieved.

Reverse Fax Number - How to Find the Owner of Any Fax Number

Suddenly you're not smiling anymore.

The truth is this: there are limits to even the best sites. You will not always be able to find the number you want (which will keep you from reporting it as you want) and you will often find that there is no way to track the subscriber.

Why? Because the number simply isn't listed.

A directory only works when individuals make their numbers public. And, of course, this includes faxes. If it is a private line, it cannot be added to any sort of open record. This is illegal. You will not be able to access any numbers that have been taken from the listing, and you will have to look for them elsewhere. Usually by posting to sites that allow you to ask others to identify the number if they recognize it.

Naturally, this is not the most reliable of methods.

Still, fax numbers are not guaranteed to be within any reverse phone lookup directory. And, if they happen to belong to those trying to solicit you, chances are: you will not be able to track them. You must understand this to keep yourself from going to page after page, trying to find the answer.

Even sites like reverse phone number are not infallible. They have their requirements and, if those are not met, nothing can be done. Know this so there will be no surprises if the fax cannot be traced.

Reverse Fax Number - How to Find the Owner of Any Fax Number
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Terry Taggert writes informational articles about people search, privacy, reverse phone lookups, and other similar topics.

Friday, November 23, 2012

Payday Loan Without a Bank Account - How to Get One

Do you need instant cash to clear urgent bills? If you do, all you need is a no fax payday loan to meet all your financial emergencies. You can pay back the borrowed amount on your next payday. Payday loans or short term cash advances that can be availed instantly, without going through a time consuming loan approval process.

The borrower has a wide range of choices available, with a large number of lending companies offering such loans. Faxless payday advances are usually borrowed against the security that the borrower has a salaried job. The application process for obtaining payday loan does not require faxing of documents or records. All you need to do is fill an online application form, or apply for the loan over the phone. The approval procedure for faxless payday loan is not lengthy either. Moreover, the applicant does not require a good credit history to get the cash advance. Once the payday loan is approved, the cash advance is transferred into the applicant's checking account overnight.

Without Bank Account

Payday Loan Without a Bank Account - How to Get One

If the borrower has no bank account and still wish to borrow a payday loan, then facilities like payday advance without direct deposit are available. However, the borrower, getting a loan without direct deposit feature needs to keep a track of the payback date and ensure a timely repayment.

Sometimes, the borrower needs to do a lot of research to get a payday advance without having a bank account facility. This is due to fact that payday loans without a direct deposit feature generally have a higher rate of interest. The check taken for loan from the lending company providing also may take a longer time to get cashed. Usually, it takes about 3 days to get the check cashed.

Pros and Cons

In case the loan taken is a payday loan, no faxing of documents is required. The cash after loan approval gets transferred into the borrower's bank account. However, before you consider taking a faxless loan, you need to bear in mind the following facts:

o High Cost - Although getting a loan without a bank account and without getting into tedious faxing process is easy and quick, but the cost of borrowing money this way is high. The rate of interest on such loans is very high, which can eventually double or triple the loan amount borrowed. Faxless loan must not be taken as a long term loan.
o Dangers - If you cannot verify the authenticity of the lending company, then proceed with caution. Anybody can access your personal information by setting up a fake website impersonating as a faxless payday loan lender.

Payday Loan Without a Bank Account - How to Get One
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Tuesday, November 20, 2012

Mechanic's Liens - Friday's Free Form - Notice of Intent to Lien - General Contractor

How many times have you been in this situation: You are owed money on a construction project and are thinking of filing a mechanic's lien. But you know that after filing it there will begin a serious dispute process, and probably involving the hiring of lawyers on each side. You would like to send a notice to the other side telling them that if it is not paid, more serious steps will be taken. Well, there is a form to be used in this situation. In my experience, this is a very popular form--so much so we would like to make it available to the construction industry.

This form below warns the owner that you will be filing a mechanic's lien if payment is not made within ten days. Hopefully, it will create a serious dialogue for settlement. Come up with your bottom line amount to settle and be prepared to offer it to the owner if he or she is negotiating in good faith. Remember that the last thing an owner wants is a lien on their property: it jeopardizes title, interferes with their relationship with the construction lender, and prevents refinancing or sale. This Notice is worded in a non-threatening manner so as to capitalize on this situation, with the owner knowing that you are required by law to file a lien within a set period of time or lose your lien rights.

WHO CAN USE THIS FORM? All persons, whether general contractor, subcontractor, or supplier.

Mechanic's Liens - Friday's Free Form - Notice of Intent to Lien - General Contractor

HOW TO SERVE: There is no need to file this with the court or record with the recorder's office. It is simply served by mailing.

WHO TO SERVE: If you are a general contractor, serve the owner and construction lender. If you are a subcontractor or supplier, serve the owner, general, and construction lender.

HOW TO SERVE: Although not required, it is recommended for its effectiveness to be served by certified mail.

WHEN: Serve ten days before you file or record the mechanic's lien. Remember, it does not extend the time to file a mechanic's lien.

NOTARIZED? No.

COPIES: The original signed copies are served. Keep an extra copy for your records.

CERTIFICATE OF MAILING. Use a standard Proof of Service form. Sign this Proof (it is like a certificate of mailing) and staple it to the form so you have proof it was mailed to the various persons or entities.

MARGINS AND FONT. This is a Word document so use the following margins so it prints out properly: Top: 18 pt; Bottom: 22 pt; Left: 58 pt; Right: 58 pt. Type size is 12.

HOW TO USE? Cut and paste the form into a new Word document.

WHICH STATES?

Use this notice only in the following states: Alabama, Alaska, Arizona, Florida, Idaho, Indiana, Iowa, Kansas, Louisiana, Maine, Massachusetts, Michigan, Minnesota, Mississippi, Montana, Nebraska, New Mexico, New York, North Carolina, Ohio, Oklahoma, Oregon, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, and West Virginia.

As to California, you can use it until further notice. California is in the process of amending its mechanic's lien statutes which will require a specific notice. Check our web site for that new form.

SAMPLE FORM STARTS HERE

NOTICE OF INTENTION TO FILE A MECHANIC'S LIEN (General)
(This is not a Mechanic's Lien, nor a reflection on the credit of any contractor)

__________________________________________________________________________________
Via Certified Mail

TO OWNER:

_________________________________________________
(name(s))

________________________________________________
(address--no. and street)

________________________________________________
(address--city, state, zip)

FROM GENERAL CONTRACTOR:

_______________________________________________
(name(s))

_______________________________________________
(address--no. and street)

_______________________________________________
(address--city, state, zip)

______________________________________________
(fax/phone)

Please take notice that the undersigned lien claimant intends to file a Mechanic's Lien against your property if payment is not made for moneys owed as follows:

PROJECT NAME: __________________________________________________________________________________

PROPERTY SUBJECT TO LIEN (common street address or other description):
__________________________________________________________________________________

(1) General description of construction services furnished by Lien Claimant:
_________________________________________________________________________________
_________________________________________________________________________________
________________________________________________________________________________

(2) Amount due: Through _________ (date) is $ _____________ after just credits (total performed, with extras of $ ___________ , less payments of $ ____________ ). Unpaid invoice(s) attached. Attorney's fees and court costs will also be requested.

The above-described work was provided to your property, at your instance, by the Claimant. If payment is not made within ten days (10) of receipt of this demand, Claimant intends to file a Mechanic's Lien, without further notice. If you have any questions or wish to make payment arrangements, please call immediately to discuss.

Dated: _____________

_______________________________________________
(Signature and Title)

Mechanic's Liens - Friday's Free Form - Notice of Intent to Lien - General Contractor
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Sue Malone
442 Diablo Road, Suite 137
Danville, CA 94526
Email: info@NationalLienLaw.com

Sue Malone is the owner of National Lien Law, a site devoted to contractor forms for use in the construction industry. For Mechanic's Lien Forms and more information on this subject, including free lien law summaries and time deadline tables for all 50 states, visit our website at: http://www.NationalLienLaw.com Or call (925) 899-8449 and ask for Bernie. All representatives are graduates of an accredited law school, but are not lawyers and cannot give legal advice. Please consult with a construction attorney if you wish legal representation.

©2008 NationalLienLaw.com. All rights reserved.

Friday, November 16, 2012

How to Trace an Unknown Number - Fast and Easy Method to Track Down Anyone

Are you still wondering how to trace an unknown number? Whether you are being pestered with prank phone calls or are simply trying to figure out whom our child is speaking with, there are easy ways to get to the bottom of things.

If the number you are seeking information about happens to be a listed landline number, all you have to do is get in touch with any White Pages reverse directory and your problem will end there.

If the number is a wireless, fax, unlisted, or VoIP number, you can consult one of reputable paid reverse cell phone directories that cater to this niche. These directories compile their information from various free and paid resources.

How to Trace an Unknown Number - Fast and Easy Method to Track Down Anyone

They obtain the data behind wireless numbers from mobile phone giants like Sprint, Nextel, and Verizon. These carriers don't offer the results behind the numbers they own and service to the public. Instead, they sell this information to the reverse directories.

If you want access to the results, the directories charge a small fee to cover the cost of their expenses and turn a small profit. These results include the mobile phone number owner's name and address, map location of current address, previous addresses, names of relatives and neighbors, wireless carrier, and other telephone numbers that belong to the owner.

The next time you need to trace an unknown number, I'd recommend using a site that stands behind the quality of their results with a 60-day money back guarantee. Also, make sure you can search their database for free prior to making a decision to purchase a report.

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