The UAE Real Estate in the Future

For those who are looking for an investment opportunity that doesn’t surrender to the international fall trend in real estate investment transactions, Dubai real estate market still appears to be a profitable option. Even though the initial stage of crisis seems to have gone, the credit crunch is expected to continue well into 2009, chiefly, in European and US property markets. This signifies a substantial decrease in property transactions in these markets.

However, according to many surveys conducted, the UAE real estate market, and few other markets such as the Asia Pacific, will not be affected to a great extent, and continue to draw investments.

Dubai real estate boom began in 2002, When the government of Dubai started permitting foreigners to invest in real estate, and this trend has lead to a series of real estate boom across the region. The GCC mortgage market, chiefly the UAE, experienced enormous growth over the past year, encouraged by the real estate boom.

Various experts have forecast-ed that mortgage market in the UAE will observe a major leap from Dh.20bn by the end of 2008 to Dh.64bn within the next three years, with Sharia-compliant house financing share to more than 60 percent of this figure.

Good news for a Dubai realtor is that the center of current financial Crisis is US and Europe and as far as UAE is concerned its economy does not suffer as much as Europe and America mainly because of oil wealth and dynamism in the economy. Moreover the future prospect of real estate market of Dubai is quite good for 2008 and beyond because of the fact that there is intense and ever growing demand for real estate in Dubai with almost 5,000 new families moving their base to Dubai every month. This is the area where, supply cannot keep up with demand, which in consequence increases rental rates charged and of course the underlying value of completed resale properties.

Personal Health Organizer – Keep Track of Your Numbers For Better Health Outcomes

Having knowledge of your key numbers is an important way to keep track of your health. In addition, it has been observed that more effective information gathering by patients, and more conversation with their physician during office visits was related to better health status.

What are your health numbers? When were they last checked? What do they mean? Are they close to normal? The answers to these questions are very important to your overall well-being. Remember, knowledge is power. This is a perfect opportunity for you to take control of your health care.

Know Your Numbers

An actively involved health care consumer should always know their important numbers. These numbers can alert you of any trends or potential risks in your health status. Here is a list of several key numbers you should have access to and track.

1. Blood Pressure
2. Pulse
3. Total Cholesterol
4. LDL (“Bad”) Cholesterol
5. HDL (“Good”) Cholesterol
6. Triglycerides
7. Fasting Glucose
8. Waist Circumference
9. Body Mass Index

Your primary care physician may have other numbers for you to track. For most health conditions there key numbers you need to know. Ask your physician about the latest research related to your condition. Once you know your numbers, you can set and reach specific targets with your physician.

Taking an active role in your own medical care may be one of the most important decisions of your life. Your level of participation can be dramatically increased through the use of a personal health organizer. Use it to keep track of your key numbers for better health outcomes.

Everything You Need To Know Before Buying a Mobile Home

Mobile homes have an unfair reputation for being low quality or trashy. That just isn’t true. A mobile home is a great way to get your own property, place it anywhere you choose and for less than many more stationary houses tend to cost. It is becoming an increasingly popular option, with variations such as tiny homes and mini cottages becoming a darling of the real estate world.

If you are reading this you are probably considering making a purchase yourself. Before you go shopping for the perfect little place of your own, here are some things you should know.

There Are Many Kinds of Mobile Homes

Mobile homes are not all the same single level family affair that you may be used to. There are multiple styles and types, as the couple mentioned above prove. Tiny houses are miniature homes that attempt to utilize every inch of space, all in a very small package. Mini cottages are similar, though usually one room wood houses with lofts.

There are also multi-level mobile homes. These are less portable, which makes them a mixed bag. But if you are looking to get a manufactured home and you aren’t concerned with being able to move it quite as easily it is definitely a good option.

If portability is your goal there are models that come on wheels, which can be either kept on at all times or slipped under with some tools.

The Cost of Mobile Homes Can Vary Wildly

With so many mobile home styles it probably won’t surprise you that these dwellings don’t come in a standard price range. According to Forbes, the average cost of a tiny house is around $23,000. But the average cost of a single story mobile home is around $64,000. Multi-level manufactured homes can vary, but you can assume between $50 and $100 per square foot.

The varying prices is one reason that it is important to know what it is you are looking for in a home. You should also consider other costs that are associated with your house. The land that you are building it on, for example, or the hook up costs for electricity, plumbing, gas, etc. These may not be built into the price and so require additional installation and fees.

Quality Is a Factor

Not all mobile homes are created equal. In fact, going to the wrong provider can end in some serious headaches. A major storm can topple it over or damage can be done to the exterior, pieces can fall off, etc. It is critical that you find a reputable dealer or construction crew to help you find the right mobile home.

You are looking for quality materials, designs and reputable reviews for who you work with. If you find all three you will wind up with a beautiful, sturdy home.

Manufactured or Prefabricated Homes Are Awesome

These style of houses are fantastic. Not only are they lower cost than from scratch models, but they are easier and faster to put up. A crew as small as two people can construct a manufactured or prefabricated mobile home, using pretty basic tools. Sometimes it can be done in as little as an afternoon.

That is because the pieces are already put together and ready to combine. They have been shipped from the factory with everything needed, to the location you specify. So the people putting it up just have to go through and hook all the parts, from the walls and foundation to the different compartmentalized rooms and features.

Getting a Loan Can Be Tricky

When you are getting a mortgage you go to a bank, right? Most mobile homes won’t qualify under mortgage programs. Instead you have to either go through an official mobile home company that specializes in financing, or you have to go through a credit union that has a loan specifically for this style of house.

The idea is that mobile homes are portable and many people mistake that to mean temporary. They are also lower cost, so there is less profit gained through interest rates. Many banks don’t see the point of funding them.

Thankfully, it isn’t hard to get a loan from one of these specified places. If you have an account with a credit union it is all the better, as that improves your odds of approval and they often have competitive rates.

Location Is Everything

You could have a gorgeous, well crafted, amazing mobile home. But if it is sitting on an ugly lot in the middle of a crowded area, what good it is? You want a location that is central to what you need, but still pretty, functional and offers you whatever you are looking for. Some people choose mobile parks in order to have a neighborhood feel. Others choose more isolated locations where they can enjoy a plot of land.

Whatever works for you, location is a pretty important part of buying your mobile home. It is also a good chunk of what you will be paying for. Renting land is possible, such as in mobile parks. But buying your own ensures you have greater equity in your property. It is a sound investment, even if you plan on uprooting and moving somewhere else. Land is also cheaper than you might expect, depending on the area.

Retail Cost Versus Invoice Cost

Once you know what you are looking for and where you are going, it is time to go to a reputable dealer. When dealing with closing costs make sure you ask to see the invoice cost of the property. If they resist, insist on it or possible go to someone else. This is a better representation of cost without inflation that can come from retail markups.

Don’t let them corner you into telling your budget or what you can pay monthly. Just have them give you flat invoice prices for a described model and then negotiate based off of that price.

What Are the Advantages of a Multifunction Printer?

While the first multi-function printers were developed for home use and small business use, more and more medium and large companies are starting to see the benefits of these multi-function devices. All-in-one printers combine multiple capabilities such as fax messaging, scanning, copying and printing in one single unit. In this article we will discuss the many advantages of multi-function printers.

The convenience advantage

When you talk about office automation; multi-function printers are exactly that. These devices offer the convenience of real multitasking, giving you features that you may not have had if you had opted for standalone devices, especially when you run a small business or work from home. For instance, you may not have intended to purchase a fax machine, but now you are able to send and receive fax messages without the additional cost. The same goes for the scanning and copying functions of the machine. They are added bonuses, complementary services if you will; offering you various levels of convenience.

The cost saving advantage

Of course there is the cost saving advantage as the multi-function printer does everything that would otherwise need to be done by an additional three standalone devices. The purchase price of a multi-function printer is a bit higher than a traditional one, but it is nowhere near the amount you would pay for a separate printer plus all the additional devices; allowing you to enjoy all the features at a fraction of the cost. You also save on maintenance costs in the process.

The space saving advantage

One of the biggest advantages by far is the fact that your multi-function printer saves a lot of space, which is great if you have a small office or if you’re working from home. Instead of having to create space for your printer and your fax and your copier and your scanner, you can now enjoy all the different types of functionalities at one central point.

The power saving advantage

Multi-function printers only require one power cable, eliminating ‘cable spaghetti’. All-in-one devices also use less power than if you were to operate several standalone machines simultaneously, leading to increased savings when it comes to electricity usage.

Disadvantages

There are some disadvantages to multi-function devices as well. One of them is the fact that if something goes wrong, everything goes wrong. If there is a problem with the printer, for instance, it can result in all other features failing as well; if you have run out of toner, it will affect the printer, the fax, and the copier. Also, the overall performance quality of these all-in-one machines is generally not as top-notch compared to individual machines.

Multi-function devices enable you to enjoy every possible office function from one device which is a great space saving and cost saving option for small office setups. Multi-function printers also provide convenient centralized document management facilities in a larger office environment.

The Cybercrimals

The mindset of an individual who would want to attack the computers and networks owned by others is, without question, criminal. The act of intruding upon another confidential personal or business information requires a pre-meditated and calculated act. Its purpose is to inflict financial or personal harm on others by stealing money, denying the use of their information or to gain illegal access to proprietary plans. The cybercriminal is totally cynical and strives to remain in the shadows.

People who attack the information assets of others are on the prowl for system weaknesses to exploit. The prime targets are unsuspecting individuals or businesses that are vulnerable to the attack modes chosen by cybercriminals. They are deceitful and seek the cloak of anonymity.

The true nature of someone who would access, use and exploit your private information is a mixed bag. His or her character is between that of a person who would enjoy searching through your personal items and an employee who would embezzle money from a corporation.

The focus of crackers and hackers is to use their specialized knowledge to encroach upon the private lives of people and organizations. Electronic thieves seek to take advantage of people who are without information needed to fight back and block them. Cyber criminals are true low-life.

Digital bandits are sociopaths who ply their trade without regard to the harmful effects they have on others and truly lack remorse. What’s particularly unsettling about felonious computer whizzes is that they are usually very intelligent. They are without a conscience and enjoy stealing and hurting others.

Computer crooks can be ranked on a scale from “less skilled” to “expert”. Anyone can download basic cracking software from the Internet. The real pros, however, study their targets over time in stealth mode. The highly skilled cracker plans and analyzes the victim to get the maximum effect.

Preying upon unsuspecting users is among the most disturbing behaviors of the PC and mainframe pirates. Most computer users are unaware of how many threats and vulnerabilities that they face when they power-up their computer or go online. Lawless computer users thrive on the ignorance of others.

So how do you fight those who would breach your personal data with the purpose of stealing or hurting you in a variety of different ways? Presume that the bad guys are trying to break into your system. Use your knowledge and security best practices to block them.

You should:

1. Develop a security mindset
2. Assess your risks
3. Use complex passwords and phrases for your system(s)
4. Identify and eliminate common vulnerabilities
5. Routinely update software patches and fixes
6. Probe and test electronic systems
7. Use appropriate security-related hardware and software (e.g. anti-virus software, firewalls)
8. Lock your computer screen when you leave your work area
9. Encrypt and back up all of your data
10. Practice good cyber hygiene (e.g. avoid clicking on email links and attachments)
11. Avoid maintaining a persistent Internet connection

You can defend against those who would try to harm you using digital technology and the Internet. Obstruct the pathways that are followed by lawless information thieves.

DUI Record Search and Why You Should Run One

Getting a DUI is a big deal for someone. The repercussions of getting a DUI can last years. From getting your license revoked to losing your job, so yes getting a DUI is a serious offense.

But what about the other end of getting into a car with someone that has gotten a DUI in the past and not knowing the risk you could be getting yourself into. Keep reading to find out why you should run a DUI record search and what information you could find.

It will be in your best interest to know who you are letting getting behind the wheel while you’re the passenger.

New Dates or love interest

With advancements in technology there are more apps then ever designed to find love or dating prospects. Before you jump in that car for a night out be sure to run a quick public record search that could uncover past driving records such as a DUI.

Carpooling to work

Carpooling is a great way to share the cost of getting to and from work by sharing a car ride with others.

With that said before you zoom down the highway with Bob or Margarete be sure to run a DUI record search on the individuals that will be driving.

Your Child’s friends Parents.

Believe it or not this can be a much-overlooked search area but one of the most important ones.

Your children’s friend’s parents may take your child to parties, play dates for pizza or anywhere else. Be sure whoever is driving your children around town has a clean record.

What information can you find in a DUI record search

After running a search, you could find all kinds of information from a public record search.

There will be a criminal record section, asset information, related person searches, Dui record data, and much more that users can search and find on their targeted individual.

Keep in mind online services are usually anonymous so your search subject will not know.

In closing

It is worth the small investment in time and money to run a DUI record search on someone that will be driving your or any of your loved ones around town. All you need is the State of the person you’re searching and first and last name.

If your search subject has public data on them, you should be able to see what information is on them within your private report.

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Understanding Liability and How You Can Claim Compensation

You will need a New York liability lawyer if you have recently been injured by a seller or a manufacturer of a product whose item might have somehow caused injury. You will probably need to hire a product liability attorney to assist you in evaluating your case and to decide whether or not your case or claim is really going to be successful. There are a number of ways you an go about finding the right product liability lawyer.

The other type of liability we’re going to talk about is called “premises liability.” When a person or business takes possession of property, it must be maintained in a manner in which there are no hazards which could cause injury to someone. If the premises is neglected and a person sustains injury from it, the owner must be held responsible. In other words, they are liable by law for the state of the premises.

Premises liability cases have a great deal of “bad PR” because they are claimed so frequently, and in some cases, only won by a technicality. But at the end of the day, it is up to the property owner to see that all hazards are either posted on a legible sign or made so that access is prohibited to people until the problem is mended.

If you decide that you’d like to file a liability claim, you will need to find a New York attorney. If you know any family members or friends who have recently gone though a similar case, it would be best to ask if they could recommend their lawyer. This is a great way to find a trustworthy candidate from a person who has first-hand experience working with the lawyer.

It is extremely important that you understand what you are getting in to when you file a New York liability case, or have one filed against you. The best way to ensure that you have a decent chance of coming out on top is to hire a lawyer to lead the way.

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Customer Service Can Makes a Company Great

What makes a company great, makes it stand out head and shoulders above the rest; has not only loyal but repeat customers who go back time and time again?

Is it the size of the company – bigger is always better?

Is it the amount of profits they make – well they must be good if they are making all that money – right?

Is it maybe they are the only business which has a particular item – hardly.

Or is their marketing excelling, taking full advantage of ALL media including online, social, TV and broadsheets as well as radio and tabloids.

What is their secret?

The truth is there is no secret, it all boils down to one thing – no matter size, profits, products, services or marketing plan, if you don’t have this one thing you may as well shut up shop and go home – and that one thing is Customer Service.

Don’t get me wrong the other things do help in some small way but Customer Service is King.

It should be natural and not forced. How annoying did “Have a nice day” become? It was novel at first but…

So how do you achieve great Customer Service?

Try following these dos and don’ts as guidelines:-

Do smile when talking – seems strange I know but it works, try it and see the difference.

Do listen and hear what your Customer is saying but don’t sit in silence use audible nods and empathise then repeat to show you have been listening using expressions like “If I have heard you correctly… ,” or “If I may repeat to make sure I have understood you… ” Goes a long way and also informs customer that you have been listening.

Never use the expressions “You need to… ,” or “You have to… ” They neither have to nor need to do anything.

Do ask permission “Is it OK if I take some details?” “May I have your name?” “Can I take a message?” “Are you happy to give me…?”

Don’t swear, be rude or argue back, tempting as it maybe, wait till your are of the call/ customer has gone/can’t see you, if you must vent/rant.

Don’t take it home, and never carry it over to the next customer.

Do treat each customer individually and although you may think that they are Bat Crap Crazy/stupid or what they are contacting you about is trivial, always remember to them it is important.

Don’t take it personally, they are just wanting to rant at somebody and don’t know you, all they want is for someone to take responsibility, not pass them from pillar to post and to listen.

And finally always end on a positive note, even if it’s a simple thanks for your call.

Follow these guidelines and you will notice a difference, not just in your customers but also in your staff who will be happier in their work and less stressed and if they are less stressed then they are willing to go that extra mile.

Freight Forwarders – Great Help for All Transportation Requirements

A freight forwarder is an agent hired by importers, exporters and companies to efficiently and safely transport goods from one international location to another. Used for multi-national or international import and export, freight forwarders do not in most cases perform the transportation task by themselves. They actually serve the purpose of establishing an effective communication between the client and the transportation services, thereby playing the role of an intermediary between the two.

A freight forwarder takes full responsibility of organizing and handling the large number of carriers, legalities and requirements involved in transporting goods internationally, thereby relieving customers completely of the hassles and botheration involved in the process.

These agents make sure that they use the most efficient, reliable and safe transportation means for delivering your goods to the desired location, with regard to the type of goods and your individual transport requirements. As per the situation and requirements, they make use of all kinds of freight operating systems, including air freighters, ocean liners, trucking companies and rail freighters. Whatever the means of transport, they guarantee the delivery of your goods on time and in the best condition. They always aim at offering the most affordable rates by negotiating with the freight operators to take the most economical and reliable route while transporting the goods.

The function of a freight forwarder may vary to some extent depending on the client requirements and type of goods. However, some of the common activities performed by them include:

  • They play a significant role in determining and organizing the most suitable transportation route based on the type, fragility or hazardous nature of the goods to be delivered.
  • Negotiating with the freight operators on the costs of handling and transporting the goods.
  • Taking care of the safety of the goods by ensuring the most efficient and reliable packing, warehousing and delivery.
  • Verifying and arranging necessary documents required for clearing customs, meeting insurance needs and obeying the rules and regulations of overseas countries.
  • In case of any damage to your goods, they take full responsibility of arranging for the insurance claims.
  • Using various advanced methods, including internet technologies, e-commerce and satellite systems to facilitate customers with real-time tracking of their goods.
  • Serving the purpose of making as well as collecting payments on behalf of the customers.
  • Verifying the urgency of the delivery in order to determine the means of transport. For example, they opt and arrange for air transport for goods that are of high-value and need to be delivered on an urgent basis.

A reliable and reputed freight forwarding service has the expertise and skill to provide efficient transportation services while saving their clients a great deal of time and headache required to handle such procedure. They efficiently take care of all the necessary requirements involved in transporting your goods internationally. These include maintaining effective communication with all parties involved, handling and storing the goods in the most appropriate manner and delivering them to the desired location in the best condition. For any company having the requirement to transport goods internationally, a freight forwarder can be of ultimate help.