In the corporate world, there’s such a thing called Bridge Financing. In simple terms, it’s about a company taking a temporary, emergency or short-term loan to acquire an asset immediately, maintain liquidity or support business continuity until the next anticipated cash inflow takes place. The term “Bridge” says it all. Usually, it’s just a short-term loan that can be paid back by another loan, usually planned to be secured and with a longer maturity term. Often companies resort to this when some unplanned or unforeseen requirement crops up that should have been covered by a scheduled loan but came in earlier than expected. But one thing for sure, it’s a loan that needs to be paid back sooner than most other financing types.

A Personal Loan

Now that’s in the corporate world. On the personal level, there’s an equivalent to this called “Paday loans” or advance paycheck. It’s a personal loan, unsecured and short-term. It’s basically synonymous to a cash advance. But this is typically reserved for cash withdrawals against a credit card and is limited by your credit line or a percentage thereof. This time, an advance pay is made against your next paycheck which sets the limit. It’s a 2-week loan that lenders expect to be paid on your next payday.

Legality

The practice of payday lending is legal in the US with 37 states regulating it and the rest, around 12 states, either ban it or make the practice economically unsound for lenders to practice. Regulated lending in most states simply provide interest caps and lending limits, and where they are not explicitly banned, state laws stipulate lending usury limits and interest ceilings that often make it difficult for lenders to cover their cost of lending in such small amounts and short periods.

Obtaining the Loans

In the simplest process, employers can directly secure advance paychecks if the employer allows it. Otherwise, there are lending organizations in retail outlets and malls, as well as over the internet that provide the service. one-hour-cash-advance are short-terms uncollateralized or unsecured loans. Different lending firms have different processing qualification requirements. Borrowers may just be asked to show proof of sustained income in the form of their latest pay stubs, income statement, bank statement or any combination of these.

Then they are asked to issue a postdated check for the total amount including interest and they get the loan against current payday proceeds. Depending on your income level, that could range anywhere from $200 to $1200, with $500 being the most common. Lenders usually just round off the amount to the nearest hundreds, whichever is lower.

Being unsecured, the risk is entirely shouldered by lenders. To cover themselves, post-dated checks are required. Borrowers are asked to pay directly to the branch where the loan was issued. But should the maturity date comes and the borrower fails to pay, the lender can automatically have the postdated check processed in the traditional manner or through an electronic withdrawal facility on the borrower’s checking account. The borrower runs the risk of incurring additional overcharge or bounce check fees if the check is not funded. Because of the high interest rates, borrowers are advised to use these short-term one-hour-payday-loans sparingly and wisely. GP

Wherever you are in Switzerland, if you want to hire a car to experience the most feasible travel in this picturesque European country, you are at the right place to explore cheap car rentals in Switzerland. Avis, Alamo, Budget, Thrifty, Easycar, Economy, Sixt and Hertz are some of the most top car rental suppliers in this country. If you are looking for car hire switzerland, your search will end here.

Are you attempting to find a suitable car hire in Altenrhein Airport? This article will give a complete guide to the Swiss car hire experts. It in not at all easy for you to find a Cheap car rental Altenrhein Airport. The aforementioned car suppliers not only let you hire rental car but also provide with necessary car accessories. In Basel Airport Switzerland too, Cheap car rental Basel Airport is available by these car suppliers, which offer rental cars at the cheapest rates. These rental cars do not only offer cheap rates, but also offer luxury and prestige. You can also compare the rental rates in order to find the most suitable cheap car rental for you. Besides, the clients can choose from various options, offered by these car supplier companies

LCD TV becoming latest trends in TV selections. Despite of the emerging of Plasma and LED TV. LCD TV is here to stay. The technology that LCD TV hold is still leading the TV industries such as High Definitions (HD) technology. There are a lot of features embedded in a LCD TV. You might considering these features into your consideration before selecting your LCD TV.

Resolutions. Although there are LCD TV offers of 720p. It is better to look for higher resolutions such as 1080p (or higher if available). Even it cost higher than the 720p, it surely will be the best for you.

Engine. The performances of LCD TV lies in the heart of the LCD TV itself; the engine. The engine differs from one manufacturer to another. This engine technologies keep one manufacturer ahead of other.

Refresh Rate. The refresh rate is measured through Hz. The common refresh rate of an LCD TV is 120Hz. The higher refresh rate, the smoother the picture quality. Some even offered as high as 240Hz.

Screen Size. The screen size varies from as small as 24 inches and as big as 52 inches. And majority of them come in wide size. It means that the screen width to height ratio is 16:9. This depends on where you want to put the LCD TV, smaller screen size suitable for small room and vice-versa bigger screen size suitable for bigger room size.

Connectivity. With the advance of today’s LCD TV technologies. The many type of connectivity choices available in the market. HDMI (High-Definition Multimedia Interface) is a must in today LCD TV as HDMI can delivers high quality picture, that makes your LCD TV is HD-Ready. Some even equipped with SD Card reader that enable you to playback pictures or videos taken with your digital camera or digital camcorder.

Warranty. You might need to check the warranty of the LCD TV before making your choice. The common warranty offered by most companies is one year. Some ever offered extended warranty to their LCD TV. This is important as you will spend quite a lot of money to buy of the LCD TV, and you deserved the best after sales services can offered.

For most of tech geek like me, if you find difficult to choose between a 47 inch or a 52 inch LCD. You can easily search for 47 inch LCD TV reviews or 52 inch LCD TV review on the internet. You might find the reviews very useful in order for you to select the best choice suitable for you. The reviews is mainly based on real user experience of using the LCD TV. In the end, it you who going to enjoy your LCD TV. You better experienced it first hand yourself.

The high demands for office and Home Security Systems increases as the crime rates are increases tremendously. The effort of crime preventions technologies these days are confronted by  high tech of crime preventions and surveillance. There are many tools and devices are use for this purposes. One of the popular solutions are using CCTV Cameras and CCTV Recorders.

In case you are about to choose you security systems. Here are some tips on choosing the best security systems for your office and home:

1. Camera Resolutions

The resolutions of camera must be compatible with your monitor resolutions. otherwise the images will end up blur. But higher resolutions images needs higher storage capabilities.

2. Power Supply

Normally the security systems are powered by your premises’ power supply but in case of power failure,  backup power supply such as backup batteries are very important in order to maintain the security systems integrity.

3. Wiring

There also wiring options of wireless or wired connectivity between the systems. The best options are wired type because of less maintenance required compared to wireless systems.

3. Recording Storage

Some systems offers using a computer to store the video surveillance. but the best options are standalone recorders as it is easier to operate and it has much more robust capabilities.

4. Locations

Camera must be positioned in a strategic locations in order to get the best security coverage and prevented “blind spot”.

5. Additional Security Devices

Some security systems are combine together with other security devices such as power failure alarm, fire alarm, motion sensors, auto trigger flood lights, night recording capabilities and also wireless GSM connections. These features will increase the security level of your premises.

if you are an iPod fan. you got to read this. Apple really shows that big things can comes in small packages. that exactly happened to the new iPod nano. if you think that iPod nano will not evolved. you thought wrong!

now the new iPod nano comes ever better surprises. now it comes with a storage of 8GB
(Up to 2,000 songs; Up to 8 hours video) and 16GB (Up to 4,000 songs; Up to 16 hours), video recording with VGA video, 640 by 480 pixels, up to 30 frames per second with AAC audio.

the outer casing polished anodized aluminum finish in nine astonishing electrifying colors, and a 240-by-376-pixel resolution, 2.2-inch (diagonal) TFT screen.

Also making its debut: FM radio with Live Pause; iPod nano lets you pause it with a click. Another click and you’re listening to your station again. You can even rewind as far back as 15 minutes, then fast-forward to catch up to the live broadcast.

The new Pedometer counts every step you take. Or you can add Nike+ shoes and a Nike + iPod Sport Kit. Which makes your iPod nano the perfect workout partner.

iPod nano 8GB retail price comes at $149 and $179 for the 16GB size.

the new iPod nano really targeted the young generation’s lifestyle. the original functions and features of iPod nano as a mobile entertainment device does not compromise with the new feature of video recording.

read more of the new iPod nano at apple.com

WASHINGTON, Sept 9 (Reuters) – A cyber security coordinator is expected to be announced by President Barack Obama in the next week or two, and the lead candidate is Frank Kramer, who was an assistant Defense secretary under President Bill Clinton, a source said on Wednesday.

The source, who has direct knowledge of the matter, asked not to be named because of its sensitive nature.

U.S. chief technology officer Aneesh Chopra told reporters at a technology conference on Wednesday that he had interviewed candidates for the position, and that a coordinator would be named in the not too distant future.

Chopra said Chris Painter, a former FBI cyber security specialist, was acting coordinator.

Melissa Hathaway, who led a 60-day White House review of cyber policies, resigned in August. A holdover from the Bush administration, Hathaway has said she withdrew her application for the position out of frustration over the administration’s delays in filling the post.

Obama had promised in May that he would personally decide who would become cyber security coordinator to lead the fight against cyber crime.

Holes in U.S. cyber security have allowed thefts of identities, money, intellectual property and corporatte secrets, as well as sensitive military information and penetration of the U.S. electrical grid.

The Pentagon is considering creating a command dedicated to cyberspace, under the auspices of U.S. Strategic Command. (Reporting by Diane Bartz and John Poirier)

source: Reuters

I never thought that we can took great macro pictures with a decent & cheap camera phone. This guy, cnflikt has come out with a way to do this. the trick is to use a old DVD drive lense and combine it with the camera phone. and the result was great.

above is one of many macro shot taken from his Sony Ericson K800i camera phone. brilliant isn’t it. now get your old unused DVD drive lense right away.

[via CrunchGear, EnGadget, Make and cnflikt’s flickr photostream ]

Galilean telescope

The original design Galileo came up with in 1609 is commonly called a Galilean telescope. It uses a convex objective lens and a concave eyepiece lens. Galilean telescopes produce upright images.

Galileo’s best telescope magnified objects about 30 times. Because of flaws in its design, such as the shape of the lens, the images were blurry and distorted. Despite these flaws, the telescope was still good enough for Galileo to explore the sky. The Galilean telescope could view the phases of Venus, and was the first to see craters on the Moon and four moons orbiting Jupiter. – via source

Galileo Galilei (15 February 1564^[2] – 8 January 1642)^[1][3] was an Italian physicist, mathematician,  astronomer, and philosopher who played a major role in the Scientific Revolution. His achievements include improvements to the telescope and consequent astronomical observations, and support for Copernicanism. Galileo has been called the “father of modern observational astronomy,”^[4] the “father of modern physics,”^[5] the “father of science,”^[5] and “the Father of Modern Science.”^[6] Stephen Hawking says, “Galileo, perhaps more than any other single person, was responsible for the birth of modern science.”^{[7] – via source}

Zenith is the highest point or state; culmination. In other terminology it is the representation of merit and sophisticated yield. These watches are breathtaking, noteworthy and highly treasured. Zenith is an expensive brand and those of you who can’t meet the expense of posh watches, can go for a replica. It helps in money saving and is a cheap version of the original with roughly all the textures and dazzling appearance.

Replica zenith is up to the pinnacle and a faultless watch for up-to-the-minute men of this prompt globe. It features a fine-looking, handsome and graceful one-piece solid screw-down crown and a downy, supple extensive second hand. The imaginative is a lot remind by it. Cravings and engravings of the watch are indistinguishable to the creative and this confers it a conviction of lofty concluding quality, constructing to appear striking, imposing and arresting.

An ideal accessory for any occasion and a highly stipulated product is Zenith replica watch. Impressive styles and designs are offered by it. These watches have stainless steel armlet or leather straps. Abundant features like automatic movement, water resistance and 55 hours salt away power are proffered by Replicas. They are accessible in market in a assortment of pulsating colors and styles.

The glance of modernity and fashion can be perceived in these watches. Quality replicas embody a matchless intermingle of complex technology and eminence watch fraction. Because of its elegant appearance and urbane design the watches are legendary, illustrious and renowned among the juvenile and handsome populace.

Replica Zenith is assembling a first-rate market because of its matchless design and effervescent colors. It is worn by people from every pace mode. It exploits the contented, hasty and amiable color leather strap in poles apart resourceful designs for the ladies. It’s intended is sole and eye-catching.

Hans Christian Ørsted (14 August 1777 – 9 March 1851) was a Danish physicist and chemist who is best known for discovering that electric currents can create magnetic fields, which is an important part of Electromagnetism. He shaped post-Kantian philosophy and advances in science throughout the late nineteenth century. He was also the first modern thinker to explicitly describe and name the thought experiment.
Read more at http://en.wikipedia.org/wiki/Hans_Christian_Ørsted

The Perseids (pronounced /?p?rsi?.?dz/ us dict: pûr?·s?·?dz) are a prolific meteor showerassociated with the comet Swift-Tuttle. The Perseids are so called because the point they appear to come from, called the radiant, lies in the constellation Perseus. Meteor showers occur when Earth moves through a meteor stream. The stream in this case is called the Perseid cloud and it stretches along the orbit of the Comet Swift-Tuttle. The cloud consists of particles ejected by the comet as it passed by the Sun. Most of the dust in the cloud today is approximately a thousand years old. However, there is also a relatively young filament of dust in the stream that was pulled off the comet in 1862. The rate of meteors originating from this filament is much higher than for the older part of the stream. read more at source.

Over the past three decades, a few titanic rivalries have defined the technology industry’s megatrends, ultimately determining which products eventually end up in consumers’ and companies’ hands.

Now, adding to the annals of competition that include Microsoft’s (MSFT) clashes with Apple (AAPL) in the ’80s, IBM (IBM) in the ’90s, and Google (GOOG) in this decade, the new defining rivalry in tech may be between Google and Apple. Google CEO Eric Schmidt‘s resignation from Apple’s board on Aug. 3 highlights the degree to which these companies are more foe than friend.

By most measures—revenue growth, stock appreciation, magazine cover stories—Apple and Google are the two most successful and influential companies of the past decade. Yet their visions for how the computer industry will shape up in the next one could hardly diverge more. “They are both very innovative companies with very different ways of innovating,” says Henry Chesbrough, director of the Center for Open Innovation at the University of California at Berkeley. “They’ve both been very successful, but there’s a contest of different approaches going on here.”

Read more : http://www.businessweek.com/technology/content/aug2009/tc2009084_007016.htm

The real estate business has been attracting investors all over the world fro centuries now. A lot of people believe that the best way of securing their money is to buy property. It is this piece of property that comes to their rescue when the tide turns and they find themselves in the middle of a crisis where they are in need of liquid cash. In such situations, it is only obvious for these people to opt for simulation prêt. This process takes into consideration all the possible aspects of the borrower’s financial situation and his ability to repay the loan. In order to be able to get a substantial amount of loan most of the people make use of the policy of pret immobilier.

The property, which was nothing more than an investment can now turn into a loan generating asset. While the borrower arranges for the loan to be repaid, the interest in the property remains in the hands of the lender. In simple language, the immobilier is nothing but a security that the borrower provides in exchange for the loan. The value of this property will have a direct influence on the availability and the size of the loan that is made available to the borrower.

Shopping. Who does not like shopping? Now, shop owners have been choosing internet to sell or promote their goods to their customer. This method has revolutionize the way people shop. Shop owners now can easily market their goods to specific customer. Customers also has the privillege to choose from hundreds or thousands of choices before make their decision. The prefered method of payment is using credit card. Prepaid Visa Card can provide user to shop online with ease.

Phone card and Prepaid Visa Card has the similar principal. The amount of credit used depend on the amount you reloaded. It provide safer and convient usage. It means that you whould not over spend your budget. And the good thing is you can use it same as the normal credit card! And of course you can use it to shop online. This provide an extra safety feature to you where the credit amount of the Prepaid Visa Card is limited to the amount you reloaded to it.

Same as other normal credit card. You should plan and spend wisely.  Otherwise you will run out of the fund or credit amount that you have reloaded. Happy shopping online!