You don’t have to travel to India in luxury. In fact, many times the best way to see India is by attending free events, staying at hostels and eating at inexpensive restaurants the locals recommend. When traveling through India, there are endless cheap and free options when planning your itinerary. Here, we’ve laid out our top travel tips and cheap ideas for backpackers traveling throughout India.While there are many budget hotels in India, hostels may still be the cheapest route. Hostels are safe, clean and although you usually have to share a bedroom with up to six others, they are like minded travelers like yourself. In exchange, you stay in a comfortable bed for a very cheap rate at roughly Rs 100 (2 USD). Some hostels can even work out an arrangement with you, for example, a free week’s stay in exchange for housekeeping or dish washing help. Whether you’re staying in Bombay, Goa or New Delhi, there are a number of cheap accommodations for you that are available year round.Eating cheaply in India is easy to do. India has plenty of affordable alternatives to the high end restaurants such street food snacks. Eating cheap in India has become a trend on the rise, when backpackers living on a budget for extended stays in and around Asia became popular. If you come to India during the off peak travel season, you will find hotel and restaurants prices to be lower. A dollar can be stretched quite a ways in India, if you’re OK with eating rice and dhal quite often. South India is known for its thali – aka – all you can eat meal – for as little as Rs 25-30 (50 cents USD). North India’s meals tend to be a bit more expensive, but by sticking to vegetarian meals you can save a bit of money as opposed to meat dishes which will always run a little higher.India is a great country to explore, especially when it comes to seeing historical sites and cultural districts. There is an unlimited assortment of fascinating things to do, and whether you’re a solo backpacker or traveling with your family, India is full of free activities to keep your budget in check. First, take advantage of the many annual festivals throughout the year. Watch in amazement at the men forming themselves into a human pyramid on Krishna Janmashtami or see 50,000 camels come together at the town of Pushcar for the annual camel fair. Temples are a big part of Indian culture and also bring about plenty of cheap entertainment and discussion for travelers. There are many to see, including the Haji Ali mosque in Mumbai or the Galta Monkey Temple in Jaipur. If you need a day to relax from the sightseeing and people watching, spend the day at one of India’s many beaches. It’s free, it’s relaxing and it’s beautiful. What’s better than that?
If you have always wanted to become a real estate investor, now is the perfect time to achieve your dream. Today’s economic conditions and housing market are suitable for long term and profitable investments, so get the most out of your savings by investing in the housing market.If you are wondering about the benefits of housing investments based on the current market trends, here are five reasons why this is a good option.
Good Long-Term Returns: For people who are willing to improve their investment and work on it to increase its value and sell it at a later date, real estate can be a good bargain. Buy an old property, refurbish it, and sell it again at a good price to gain a profit. You can also rent your property if you want a continuous flow of cash.
The Economy is Improving: The economy is finally rising from its recessive state. As it improves, people who had to foreclose on their homes will once again be looking for prospective house and properties to buy. Thus, an investor will have plenty of prospective buyers to sell his home to, once the has renovations are completed.
Endless Opportunities: Investors are provided with boundless opportunities, as there are always people who are willing to sell their homes. Whether it is due to foreclosure or other reasons, many people are quick to sell to an investor. On the other hands, many buyers are ready and willing to purchase homes for their families. Regardless of economic and market conditions, the housing market never comes to a complete standstill.
Tax-Free Profits from Rental Properties: Many real estate investors use their savings to buy rental properties that they can rent to tenants at favorable rates. The rent money received from tenants is exempt from taxes; thus, it is a purely accounted as your profitable income.
An Asset: If you do not have any existing monetary assets, then choosing real estate is a good idea. No matter how much the economy might fall, you will always be able to encash your property as an asset to get money in a time of need.
Considering the above reasons, the time is now for becoming a real estate investor.However, when searching for investment property, always consider multiple options, make sure you have the money to fund your investment, and create a backup plan in case your investment faces any major issues over time.
One thing that both newcomers to digital photography and even more experienced photographers find most challenging is getting the correct exposure for their digital photos. One of the great things about digital photography is that we can use PhotoShop and other photo editing software to make corrections after the digital photo has already been taken, but it’s certainly better to get the exposure right to begin with.Most people take their digital camera out of the box, make sure the exposure setting is on automatic and never change it. However, using all the settings on your camera is not really that complicated. It just takes a little information and some practice. Here are some tips for taking more control over your digital photos.First, decide what you want to emphasize in your photo. That’s the object or area of the photo where you want the exposure most correct. Are you taking a digital photo of a child against a dark background? Do you want to be sure the child’s face or clothing is correctly exposed, or do you want to emphasize what’s in the background?Second, choose whether you want the camera to decide on the exposure, or whether you want to make some or all of the decisions about exposure yourself. Most modern digital cameras give you a choice of exposure modes, including so-called programs. For example, there might be a stylized symbol of a mountain for landscape photographs or a profile of a runner for action photos.If you select one of these modes, the camera can then use one of its internal programs to make decisions about shutter speed and camera lens aperture. The camera will select the settings the manufacturer has decided is best, on average, for these kinds of photos. The problem is, you may not be in an average situation for your landscape or action photo. If so, it’s time to get into a more lands-on mode, and take more control over how your digital photos will look.In addition to auto exposure, nearly all digital cameras come with settings for aperture priority, shutter priority and manual modes. The aperture setting determines how large the opening is in the lens that lets the light through. The shutter speed is how long the lens stays open. The larger the aperture, the more light comes through, so if the aperture increases (more light), the shutter speed must also decrease (open a shorter period of time) to make a correct exposure. If you select the aperture priority mode and set the aperture you want, the camera will select the correct shutter speed. If you select the shutter priority mode and set the shutter speed you want, the camera will select the aperture to compensate.Manual mode gives you total creative control. How to use manual mode is covered in another article in this series. Just remember the best part of digital photography is, if the photo didn’t come out like you wanted, you can always try again.
There are thousands of options available in the United States stock market in which an investor can invest his money. There are more than twenty thousand publicly traded companies in the stock market in the US. Therefore, it becomes a very difficult task for any investor either a beginner or an experienced one to decide which company to invest in. It is impossible to know the names of all companies then how can it be possible to analyze all of them.So, the question arises, what do people use to decide where to invest and which companies to ignore? The answer is usually derived with something called a stock screener. A stock screener is nothing but a tool which is used by investors to short list the companies which are of their interest and where they can invest their hard earned money. Stock screening is a process of shortlist companies which have the potential to be in your portfolio. This screening is done based on the parameters provided by the investor himself.How the share screener works is very simple. Behind a screener is a huge database which has data about all the publicly traded companies. It contains even the historical data which goes past many years and decades. The investor would log on to the screener and give the parameters which interest him to shortlist the companies. The stock screeners act as search engines and bring out the list of companies which match the criteria provided by the investor. These criteria can be anything like minimum market capitalization, minimum revenue of the company, a particular sector, P/E ratio, profit margin etc.There are various stock screeners available in the market today. Most of them are online tools therefore, you just need a reliable and fast internet connection and you can download the stock screener to your computer. The screener makes use of the back end database and then provides the list of companies as per the criteria given as input.Some of the most popular screeners are available online on websites such as Yahoo Finance stock screener, MSN Money website and the Morning Star internet site. And the good part is that all these screeners are absolutely free of cost. There are basically two types of screeners – basic screener and customizable screener. For a beginner in stock market, the basic screener is sufficient while the customizable stock screener is often used by expert and experienced investors in the stock market.
Investors love to imagine their decisions are based on logic and foresight. But by using inconsistent arguments, investors have fooled themselves yet again, and created what I call the “Great Paradox.”For example, stocks have become the Rodney Dangerfield of investments: They can’t get no respect. Despite corporate earnings increasing 125 percent since 2009, many investors remain skeptical of the outlook for stocks. Bloomberg News reported recently that valuations for U.S. equities have been stuck in a remarkably long-running slump that hasn’t responded to this surge in profits, suggesting that investors don’t trust the growth to continue.That lack of trust is evident in the low Price-to-Earnings (P/E) ratio of the S&P 500, currently less than 13 times the 2012 earnings forecast. Compare that to the average historical P/E ratio of 16.4 times. If investors valued companies in the S&P 500 according to the historical average P/E, the S&P 500 would be 30 percent higher. But no such luck.Corporations proved their flexibility and adaptability during the Great Recession. Corporate profits have been very strong, rebounding much faster than GDP. Corporations now run leaner than they did a few years ago and will benefit greatly from any economic tailwind. Yet many remain skeptical that this profit resurgence will be sustained.On the other hand, bonds have performed extraordinarily well in recent years – so well, in fact, that many (myself included) see limited remaining upside. There’s not much of anywhere for long-term bond prices to go other than down, since those values run directly inverse to interest rates, which are currently nearly as low as they can be. Meanwhile, despite a worsening fiscal government outlook, U.S. Treasury bonds have done so well over the last 30 years that they have outperformed stocks. The last time that happened was prior to the Civil War.Still, investors have poured billions into bond mutual funds over the last five years, and have removed billions from stock mutual funds. According to data aggregated by TrimTabs, investors have removed money from U.S. stock mutual funds in each of the last five years, including approximately $100 billion last year alone. Meanwhile, investors have added money to bond mutual funds in each of the last six years, including more than $110 billion into bond mutual funds last year. Investors seem to think that bonds will continue to appreciate indefinitely; at the same time, they distrust that current corporate earnings will continue. They have fallen into the Great Paradox.Call me crazy, but I believe fundamentals matter. As Warren Buffett observed, “In the short term, the market is a popularity contest. In the long term, the market is a weighing machine.”There’s no reason to think stocks won’t perform well in a slow-growth economic environment and even better in a good environment. And unlike for bonds, being a strong performer isn’t an anomaly for stocks. For those with a sufficiently long-term perspective, clinging to bonds isn’t a position that makes sense. As Jeremy Siegel, finance professor at the University of Pennsylvania’s Wharton School in Philadelphia, told Bloomberg News, “The rally in bonds is a once in a millennium event, but it’s absolutely mathematically impossible for bonds to get any kind of returns like this going forward whereas stock returns can repeat themselves, and are likely to outperform. If you missed the rally in bonds, well, then that’s it.” (1)Why are so many people tempted to keep favoring bonds and avoiding stocks, ignoring solid reasons to do the reverse? One reason could be herd mentality. As my colleague Benjamin Sullivan observed, many investors follow the crowd, buying overvalued stocks when the financial media and Main Street are optimistic about the market, and shunning stocks when prices ebb, despite the fact that it makes more sense to buy low and sell high.Think about it. Should you buy stocks when everyone thinks the world is ending – say in March 2009, when the S&P 500 closed as low as 677 – or when everything is Pollyannaish – say in October 2007, when the S&P 500 closed as high as 1565?Though the timing is difficult to pinpoint, one should to try to buy near the height of pessimism and sell or reduce close to the height of optimism. As legendary investor Sir John Templeton once said, “Bull markets are born on pessimism, grow on skepticism, mature on optimism, and die on euphoria.”Investors may also be tempted to let past performance overly determine their expectations for future behavior. However, while it’s smart to glance in the rearview mirror from time to time, looking only backwards and ignoring the path ahead will inevitably lead to messy smash-ups.No one can forecast exactly what the market will do in the short term. But there’s no reason for the excessive pessimism that investors seem to apply only to stocks. This summer, Burton G. Malkiel, a professor of economics at Princeton, wrote in The Wall Street Journal: “We have abundant evidence that the average investor tends to put money into the market at or near the top and tends to sell out during periods of extreme decline or volatility. Over long periods of time, the U.S. equity market has provided generous average annual returns. But the average investor has earned substantially less than the market return, in part from bad timing decisions.” (2)Uncertainty is frightening, and it isn’t surprising that investors are tempted to cut and run at the first sign of trouble. Investors have clearly lost confidence in stocks in recent years. But post-recession, it seems many investors have gone a step farther than caution. I suppose two bear markets during the same decade are enough to make investors jumpy. Meanwhile, investors pile into a bond market with limited upside and considerable downside.Warren Buffet made the following analogy: “I’m going to buy hamburgers for the rest of my life. When hamburgers go down in price, we sing the ‘Hallelujah Chorus’ in the Buffett household. When hamburgers go up, we weep. For most people, it’s the same way with everything in life they will be buying – except stocks. When stocks go down, you can get more for your money, but people don’t like them any more. That sort of behavior is especially puzzling.” It’s not only puzzling; it’s costly.Hockey legend Wayne Gretzsky put it best when he said, “I skate to where the puck is going to be, not where it has been.” The puck has spent the last five-, 10-, and 30-year periods making money for bond investors. I suspect the next five, 10, and 30 years are going to be in stocks’ end of the rink.Sources:1) Bloomberg, “Say What? In 30-Year Race, Bonds Beat Stocks”2) The Wall Street Journal, “Don’t Panic About the Stock Market ”
“What Obama Must Say Tonight,” “10 Tax Moves to Make in 2010,” and “Ailing Banks Favor Salaries Over Shareholders,” are all examples of the dozens of articles that could be found today at Yahoo! Finance. Yahoo! Finance is a finance website that offers lots of free information and tools all related to finance. There are many websites today that offers resources and tools related to personal finance and investing, so what does Yahoo! Finance have to offer?*Free- Although there are some services available for a fee, accessing the Yahoo! Finance website is free and so is the use of many tools.*Personalized Updates- If you choose to set up an account, you can get personalized updates when you log on about stocks or companies that you’re interested in.*Up to Date- This is one of the best things that sets Yahoo! Finance apart. Market indexes and updates are updated frequently and the “news” is fresh.*At a Glance- You can see Market index averages for the day including the DOW, NASDAQ, S&P 500 and more, as well as graphs showing the trend in these averages for the most recent working day.What’s Up at Yahoo! Finance?In addition to the Yahoo! Finance home page, you can find helpful pages on:-Investing-News and Opinion-Personal Finance-My Portfolios (if you choose to organize your financial information here)- A Tech TickerOn the Investing Pages at Yahoo! Finance:Find out about “Today’s Markets,” including recent earnings statements, recent stock splits and more.Mutual Funds, Stocks, ETFs, Options, Industries and Currencies are all explored furher. Find research, converters, calculators, articles and more.You can also learn more about world stock index levels, world news and exchange rates are under “International.”"Research and Education” offers a business term glossary, personal tutorials on finance and investing and more.Of course Yahoo! Finance also offer “Community,” a section where you can chat, ask questions or join groups.On the Personal Finance Pages at Yahoo! Finance:Get your personal finances organized at “Banking and Budgeting.” Free trials of online bill pay are available. Frequent offers include free for 6 months and $4.95 thereafter.More under Personal Finance…*Insurance*Taxes*Loans*Real estate* Family and Income*RetirementOn the News and Opinion Pages at Yahoo! Finance:Look for articles on…*Industry news*New technology*Top picks by expertsCreating a Yahoo! Finance Account:Creating an account at Yahoo! Finance is easy and free. Once you’ve created an account, you can personalize your logon so that the information that is important to you will be displayed including stock prices and relevant news pertaining to companies you are interested in.The Perks of Yahoo! Finance:Yahoo! Finance visitors and members enjoy that there’s so much financial information in one place and that the articles and financial charts on Yahoo! Finance are kept up to date. They also like that so many of the services available are free. Visitors also applaud Yahoo! for having limited ads.Popular Tools at Yahoo! Finance:There are rate charts and calculators for Mortgage, Home Equity, Savings, Auto Loans and Credit Cards for fixed loans and ARMs. You can see rates across the country as well view rates in your area.What’s not to love about Yahoo! Finance?While many users like the non-nonsense format at Yahoo! Finance, others find the finance web sites look to be drab, boring and unexciting with little more than two colors, black and blue, a limited photos.Still, Yahoo! Finance is recommended as a finance website that has a lot of helpful tools and resources that are well organized, up to date and more than not, free.
LED and Solar technologies and interest in those markets is booming. The cost savings are tangible and the stability of much of the hardware has reached a level where its longevity can be relied on. Makeshift, flimsy equipment has, for the most part, disappeared and been replaced with extended warranties and well-engineered products. Companies and manufacturers can save thousands of dollars by implementing the new energy-saving systems but it takes capital to make those projects happen.
How much capital? Upgrades can range from a hundred thousand dollars to several million and, as we have experienced with our volatile economy, using cash reserves to fund them can be scary. It is well-known that business lending has been constricted but not in all the available channels; many wholesale lenders and private investor groups are funding energy projects throughout the U.S.
So what do you need to do or have to get your new LED or solar program funded?
1) Your financial paperwork in order; three years taxes, financial statements and interim statements all in electronic format. Before applying for funding have everything organized and if something is missing, wait until you have it because it will sit in underwriting until it is complete. Make sure all liens or outstanding judgments are resolved.
2) An Energy Audit Report. Your vendor should provide you with a detailed analysis regarding the cost savings of implementing their product. Typically, the costs savings will add to your bottom line and be used to substantiate taking on new debt. If it takes ten years to break even then that may push you out beyond the term lenders are able to offer.
3) Vendor Profile. Have some background information on your vendor; how long they have been established, what other projects they’ve done so you can validate their stability to the lender. Start-up vendors in this market will not likely be approved so choose who you work with carefully; their background and experience will be important to the underwriters.
4) Evaluate your Net Worth. Sit down with your CFO or accountant and assess your company’s net worth. If it is not two to three times more than the cost of your project then you may need additional assets to be used as collateral to support the debt. At this point, you may consider trimming down the project size or doing it in several phases.
Financing Green Tech projects requires a little more attention to detail and a stronger credit than standard equipment. You don’t have to be strong in all the areas we reviewed but a weakness in one means you will have to have additional strengths in other key areas. The equipment itself will not serve as collateral and knowing that going in will help bring your expectations within reason. Commercial lenders, for the most part, are staying away from financing Green Tech but private investors are out there funding them every day but you have to be prepared to know what it takes to get approved.
Computer science papers are part of the diverse types of assignments that students will encounter in their academic endeavor. Student undertaking engineering and computer science course will write computer science papers before they complete their course. It is important that student familiarize themselves with the right skills needed to complete such papers. The first vital skill in writing any academic paper is practice. Student should practice how to write different computer science papers. Some of the academic papers that students may encounter include computer essays, term papers, research papers, thesis and dissertation. It is vital for the student to practice the writing process depending on his academic level. Unfortunately, not all students have the ideal skills to complete an academic paper. Some students may have the right ideas regarding the completion of the paper, but they lack the skills to out the ideas into a sensible computer science paper. Such students risk failure if they persist to present poorly written papers.
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Today the inevitable wind of change in technology has taken over since computers and progress are attached to each other. With the dawn of information and technology, which has produced computerization, computer science has taken adequate significance. As a subject of truth, a preponderance of people around the globe is receiving computer science education.
Scholars who are offering computer science courses are required to prepare or write computer science papers as the assignments assigned to them by their professors of instructors. In every University offering computer science courses, students are required to undertake coursework assignments after every one or two weeks. These assignments are mostly in the form of short computer projects that require detail writings. Furthermore, the assignments are of diversified categories such as computer science term papers, computer science essay, computer science dissertation essay, and computer science research paper among others. Developing computer science papers is not an easy task since it requires abundant time to complete writing the papers.
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Students pursuing computer science courses write computer science papers during and at the end of the semester. Students experience problems when writing computer science papers and this affects their grades. Some students do not have the skills and knowledge needed to write such assignments. Others have no time to complete the homework. This has compelled students to submit low quality computer science papers. As a result, students buy computer science papers from writing organizations. Many organizations around the globe offer help to students.
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Instead, the companies employ writers with general degree and knowledge. The writers offer low quality services to students as they lack the skills and knowledge. The writers should have masters, doctorate and undergraduate qualifications. This will enable students to get pleasant work. The writers will also serve students from diverse academic levels. Some companies employ college writers with no knowledge and experience in writing masters, doctorate and undergraduate computer science papers.
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The writers should ensure the assignments have no grammar and spelling mistakes. They should proofread the content to eliminate such mistakes. Editors should also check the assignments for errors before sending them to clients. Additionally, the writers should read computer science papers to ensure they have coherency. The flow of computer science papers affects student grades. The reader should be able to connect the ideas and read them clearly.