воскресенье, 6 ноября 2016 г.

✨KSNY Romy Perry Lane Bubbles Satchel✨

✨KSNY Romy Perry Lane Bubbles Satchel✨


✨KSNY Romy Perry Lane Bubbles Satchel✨


$398"},"diffbotUri":"product|3|-2056221495


Thanks for the like��⭐️�� Any questions? I ship same/next day too! Thanks for visiting......come back again......I'll leave the light on for you!����✨


Thanks for the like��⭐️�� Any questions? I ship same/next day too! Thanks for visiting......come back again......I'll leave the light on for you!����✨


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Everything is for sale....until it's sold�� No need for emailing....Poshmark has this nifty feature called the \"Buy Button\" push it and I will get this beauty to you asap ��������������


Thanks for the like��⭐️�� Any questions? I ship same/next day too! Thanks for visiting......come back again......I'll leave the light on for you!����✨


Thanks for the like��⭐️�� Any questions? I ship same/next day too! Thanks for visiting......come back again......I'll leave the light on for you!����✨


Thanks for the like��⭐️�� Any questions? I ship same/next day too! Thanks for visiting......come back again......I'll leave the light on for you!����✨


Thanks for the like��⭐️�� Any questions? I ship same/next day too! Thanks for visiting......come back again......I'll leave the light on for you!����✨


Thanks for the like��⭐️�� Any questions? I ship same/next day too! Thanks for visiting......come back again......I'll leave the light on for you!����✨


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$259https://poshmark.com/


Gorgeous❤️Gorgeous❤️Gorgeous❤️ this authentic Kate Spade is all leather, with a perforated front look with zip pocket. 3 divided, zip center inside pockets.....in REALLY EXCELLENT SLIGHTLY used condition. I will look again, but I think the dustbag is gone. Measures 12x9x5.5 with both short and a crossbody strap, gold hardware.......really stunning. KSNY calls this color \"Empire\" like an orange-red. But I think it's just red����


Original article and pictures take https://poshmark.com/listing/KSNY-Romy-Perry-Lane-Bubbles-Satchel-57dde312c6c795de3f013cf7?utm_campaign=referral_code%3DNJGBZ&utm_content=feature%3Dsh_l%26rfuid%3D57423f0269ac49d1bf10b7bc%26post_roll%3Dstitched_v1&utm_source=pi_sh_pub site

✨Kate Spade Crossbody✨

✨Kate Spade Crossbody✨


✨Kate Spade Crossbody✨


$248"},"diffbotUri":"product|3|-2144370042


Thanks for the like��⭐️�� Any questions, fire away? Can I get this in the mail to you today?����✨


Thanks for the like��⭐️�� Any questions, fire away? Can I get this in the mail to you today?����✨


This is so cute! Good luck selling it! ��


@brittanylauren2


Thanks for the like��⭐️�� Any questions? I ship same/next day too! Thanks for stopping by........come back anytime.........I'll leave the light on ����✨


Thanks for the like��⭐️�� Any questions? I ship same/next day too! Thanks for stopping by........come back anytime.........I'll leave the light on ����✨


Thanks for the like��⭐️�� Any questions? I ship same/next day too! Thanks for visiting. Come back soon.........I'll leave the light on for you����✨


Thanks for the like��⭐️�� Any questions? I ship same/next day too! Thanks for visiting......come back again......I'll leave the light on for you!����✨


Thanks for the like��⭐️�� Any questions? I ship same/next day too! Thanks for visiting......come back again......I'll leave the light on for you!����✨


where did you buy it from? Inside bag pictures? And tag on the inside picture?


Oh idk, likely Macy's or Nordstroms. Added an inside pic, just like listed, it's in excellent used condition no stains or wear. Unlike MK, Kate Spade doesn't have a specific inside tag. Hope that helps


gotcha I've gotten a fake Kate spade before- so annoying! I can't figure out how to tell if they are real or not


OH I see, well, this is definitely authentic. There's a lady named Dawn on here that's a KSNY authenticator.......ill see if I can find her name


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Thanks for the like��⭐️�� Any questions? I ship same/next day too! Thanks for visiting......come back again......I'll leave the light on for you!����✨


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Pretty color!


Yes! That's actually why I bought it.....and loved it it for a summer. But alas, it's just ready for a new home��������


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Thanks for the like��⭐️�� Any questions? I ship same/next day too! Thanks for visiting......come back again......I'll leave the light on for you!����✨


Thanks for the like��⭐️�� Any questions? I ship same/next day too! Thanks for visiting......come back again......I'll leave the light on for you!����✨


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it's super cute and I'm super interested! Kinda looking for a matching wallet or card holder set! I may purchase!! So pretty! Is the price negotiable at all? I understand if it's not!


lmk and I'll make an offer ��������


Lets use the offer button, please.


of course, love! Just hate to offend if someone is super firm price wise!!


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Thanks for the like��⭐️�� Any questions? I ship same/next day too! Thanks for visiting......come back again......I'll leave the light on for you!����✨


$139https://poshmark.com/


KSNY Cobble Hill \"Ellen\" adjustable chain link crossbody bag. Measures 10\" x 11\" with a 21\" strap. All pebble leather with light gold hardware and logo. Kate Spade calls the color Blue, I call it turquoise �� in really excellent used condition.


Original article and pictures take https://poshmark.com/listing/Kate-Spade-Crossbody-5765981e291a35d96e0081bb?utm_campaign=referral_code%3DNJGBZ&utm_content=feature%3Dsh_l%26rfuid%3D57423f0269ac49d1bf10b7bc%26post_roll%3Dstitched_v1&utm_source=pi_sh_pub site

Your Mortgage as a Tax Shelter

Your Mortgage as a Tax Shelter


Your Mortgage as a Tax Shelter


Your home is likely your largest investment you'll ever acquire.


Knowing exactly what you're paying for it is mandatory.


Unfortunately, when people map out the life of their mortgage, they often fail to consider the tax benefits associated with the mortgage.


With tax return filing on the horizon, Credit Sesame took a look at three-home buyer scenarios to determine just how much they will receive in tax benefits over the life of their loan, and the total amount they'll end up paying.


The calculation also considers the cutoff point of each filing status when the standard deduction becomes more than the itemized deduction.


Mouse over the infographic below and click to enlarge for the full story.


Original article and pictures take http://realtytimes.com/rtpages/20130211_taxshelter.htm site

Young couple jumping up and down on a blue couch in ecstasy

Young couple jumping up and down on a blue couch in ecstasy


Young couple jumping up and down on a blue couch in ecstasy


Young couple jumping up and down on a blue couch in ecstasy


Unless you’re a specific type of doctor, accountant, lawyer, engineer or other professional, you’ll have to pay Lenders Mortgage Insurance (LMI) when borrowing more the 80% of the property value.


Having a Loan to Value Ratio (LVR) of more than 80% is a huge risk for the banks so mortgage insurance is applied to your home loan in order to protect the lenders just in case you default on your mortgage.


The worst part is, this will be an additional cost on top of the deposit you’ve already saved!


For example, even if you saved up a $60,000 deposit on a $550,000 property, you’d still be borrowing close to 90% of the property value and would need to come up with over $10,500 for LMI! Try our Lenders Mortgage Insurance calculator to discover how much you could save on your LMI premium.


Even if you’re not in a position to have LMI waived, there are 3 ways to get cheaper LMI!


1. Make your credit score shine


Let’s face it, you’ve probably never heard of LMI before but the reality is that it’s actually a major reason for the banks declining your application.


The reason is that many people are either not aware that they have a credit score or the actual state that it’s in. Think of a credit score as a bank’s way of rating you as a borrower.


The score is based on the information found in your credit file including such details as your current asset position, how long you’ve been at your current address, number of credit enquiries you’ve had over the past two years and any history of defaults and bankruptcy.


The better your credit score, the more lenders you can apply with. The more lenders you can apply with, the more likely it is that we can get you a low LMI premium.


The reason is each lender scores differently. In fact, some don’t use credit scoring at all!


So how can you improve your credit score?


Well, you should:


Save a larger deposit: In particular, make sure you meet the genuine savings criteria of your lender.


Try not to take out any finance: Avoid applying for credit cards or personal loans for up to six months before you make an application for a home loan. In addition, only apply for a home loan with one lender at a time.


Show stability: Try to only apply for a loan after you’ve been at your current job and place of residence for a minimum of 6 months. Luckily, there are some lenders that have more lenient scoring for people who’ve just changed jobs or addresses.


Prove a rental history: Renters that can prove a perfect payment history have better scores than people who are living with their parents.


Manage your accounts: Never overdraw your cheque account, allow a direct debit to get declined or go over the limit on your credit card. Being just a day late with a loan repayment will flag you as a risky borrower.


Although these tips will help, your best bet is to find out how a particular lender will assess your application. The problem is that applying with multiple lenders will actually add damaging enquiries to your credit file, ultimately affecting your credit score.


Our mortgage brokers are experts in credit scoring and they can tell you which banks will accept your application.


Call us on 1300 889 743 or complete our free assessment form and we can properly assess your situation avoiding you from getting knocked for a loan by a lender’s LMI provider.


Get an estimate of your credit score by using our calculator.


2. Have a good look at the premium rate card


When looking for a home loan, you’re most likely only focusing on the interest rate and whether you want to go fixed or variable. Many people fail at reducing their LMI because they don’t think to look at the premium rate card.


The problem is that banks – as the honest pillars of our economy that they are – don’t exactly make this information available to the general public.


Here’s the scoop: lenders break up their premium rates depending on the percentage of the property value that you are borrowing (LVR).


By taking a look at the premium rate card, you’ll see that you can immediately reduce your LMI premium by reducing your LVR, thereby falling into a lower LMI premium bracket. Think of it like tax brackets with the Australian Taxation Office.


Most mortgage brokers and bank staff don’t play around with your loan amount to try to get you the lowest premium. Instead, they tend to just set up your loan at 90% or 95% LVR, even though you may be in a position to reduce the amount you’re borrowing to get a cheaper LMI premium.


LMI premiums jump up significantly the moment you borrow over $300,000, $500,000, $750,000 and $1,000,000 so try to find a cheaper property or negotiate a better price before diving in.


Even reducing your LVR by just 2-3% can have a big impact on the premium you’re liable to pay.


For example, if you want to borrow $950,000 for a $1 million property, your LVR would be 95%, bringing your total LMI premium to $36,284.


Unfortunately, many lenders don’t allow you to capitalise LMI over 97% LVR which means you can only borrow up to $970,000 and you’ll need to come up with the remaining $16,284 for LMI.


You can reduce the LMI premium by as much as $2,285 by saving up a little more for your deposit and bringing the LVR down to 93.6% ($936,000).


To get a better idea of how premium rate cards work, check out this table to find out the LMI premium rates offered by one of our lenders for both full doc and low doc loans.


Alternatively, you can get the exact LMI premium you’ll be expected to pay for your home loan with our LMI calculator.


3. Borrowing against multiple properties? Apply with separate lenders


Cross securitisation is where one loan is secured by multiple properties.


If you had three properties valued at $300,000 and you wanted to borrow 90% of the value of the properties, you would actually be better off applying for three loans with one on each property (standalone applications) rather than one loan over all three properties (cross securitised).


For example, if you were to take out one loan of $810,000 lent against $900,000, then the total premium would be $14,807.


However, if you took out three separate loans of $270,000 for each property ($810,000 in total), the combined premiums amount to $8,637. That’s a saving of $6,170!


As mentioned previously, LMI is charged at a much lower rate for loans under $300,001 than compared to a loan for over $750,000.


Our mortgage brokers are credit experts and they know exactly how to get LMI discounted or even waived. Find out how we can help you by calling us 1300 889 742 or by completing our free assessment form today


Original article and pictures take https://www.homeloanexperts.com.au/blog/lenders-mortgage-insurance/3-ways-reduce-lmi-home-loan/ site

Women's Bare Traps Minay Ankle Boot Black

Women's Bare Traps Minay Ankle Boot Black


Women's Bare Traps Minay Ankle Boot Black


$88.95"},"specs":{"fit":"True to Size


ITEM#: 19925626


Take you look up a notch with the sassy Minay Ankle Boot. A low profile silhouette with wrap around buckles on a chunky stacked heel. Inside zip closure Memory foam footbed Chunky stacked heel.


Heel Height: 1 3/4\"


Shaft Height: 5.5\"


Circumference: 10.25\"


Origin: Imported


Fit: True to Size


Insole: Manmade


Outsole: Light TPR


Upper: Textile


Special Features: Chunky Heel, Mid Heel, Zip Up


Original article and pictures take https://www.overstock.com/Clothing-Shoes/Womens-Bare-Traps-Minay-Ankle-Boot-Black/13205773/product.html site

wikiHow to Ask Rich People for Money

wikiHow to Ask Rich People for Money


wikiHow to Ask Rich People for Money


Edit Article


Fundraising for charity is an important part of any nonprofit group's work. In the U.S. alone, donors gave almost $287 billion in 2011.[1] Many people who work for nonprofits feel uncomfortable asking donors for money, but without their help most nonprofit groups would not be able to carry out their missions. Learning how to effectively and respectfully ask wealthy individuals for money can help you ensure your charity or nonprofit group prospers and is able to help those in need.


1 Compile a list of donors. Before you begin asking for money, it's best to have an idea of who you're going to ask for donations. If you're going door-to-door, that may be as simple as deciding which neighborhood(s) to work in. If you're soliciting donations by phone or by mail, though, you'll need a list of prospective donors to contact.[2]


If you can identify past donors on your list of people to call or write to, you may want to prioritize those individuals as \"best bets\" - these are people who, given their history of donating in the past, will most likely contribute again to your cause.[3]


Try to identify which people on your list are the most financially stable. You can do this by interacting with the individual to get a sense of his or her finances, or if going door-to-door, look at the houses residents live in and the cars in their driveways. People with large, elaborate homes or flashy sports cars most likely have more disposable income. (Though of course this doesn't guarantee that they will give donations.)[4]


You can also look for potential donors by their other areas of spending. For example, does the prospective donor attend fundraisers for other organizations or individuals? If so, that prospective donor probably has the means to donate to your organization, if properly persuaded.[5]


Consider using analytical software and services, such as Donor Search, to identify which potential donors are more wealthy and more likely to donate.[6]


Remember to think \"ABC\" when identifying donors: Able to make a gift, Belief (known or potential) in your cause, and Contact/Connection with your organization.[7]


2 Get to know your donors. If your organization has dealt with donors in the past, you or a colleague will probably know what strategies work best in making your appeal. Some people want to know how the money from last year was spent, while others may simply want to know how much is needed. Certain donors may have fears or reservations about donating, and it's important to learn to recognize those fears/reservations so you can address them in advance.[8]


Some donors may need to hear particular terms or phrases in order to be persuaded to donate. If you know this to be the case, make some indication of this on your list so that when you call or approach that person, you'll know what to say.[9]


Any time a donor seems reluctant to give but gives anyway, make a note of that situation on your list or in that donor's file (if you have one). Listen to what the individual says when he or she is reluctant, and try to find ways to assuage those fears - not just for this year's fundraiser, but for future years as well.[10]


Be aware that many well-known philanthropists hire other individuals to manage donations and contributions. Because of this, you may not get to speak to the actual donor himself/herself. However, the employees hired by a philanthropist probably have the same concerns that the philanthropist does, and you may have some luck appealing to the philanthropist's interests through his or her employees.


3 Find ways to present your organization. People who have donated to your organization will no doubt be familiar with who you are (as an organization) and what you do. But what about people who have never donated before? How will you describe what you do to an outsider? This is important, as it may determine whether the individual will listen to the rest of your pitch. If possible, try to compile some data on what your organization has done in the past, the problems you hope to address after this fundraising drive, and how that prospective donation would help your cause.[11]


Try to present your organization in a way that both explains what you do while also highlighting the issue you seek to change. For example, you might say something like, \"Did you know that [the issue your organization addresses] affects a significant portion of the city, and we are the only organization solely committed to addressing these issues in a comprehensive way?\"


It's not a requirement to have data compiled, but for individuals who aren't familiar with your organization, it may be very helpful to know that information.[12]


Consider printing out a brochure or having a reusable chart to illustrate both the improvements you've made and the improvements you hope to make.[13]


Think about what you might say if someone doesn't understand your organization's goals, or what you might say if someone was dismissive of your organization. Try putting yourself in those shoes - imagining that you were someone who didn't want to help the organization - and what you might say to the organization. Then imagine how you might respond to hearing those words.


The better your donor base understands your organization - and the better you understand your donors - the more likely you'll be to build a long-term relationship with that donor.[14]


4 Practice your appeal. One of the best things you can do to strengthen your appeal for donations is to practice what you're going to say. That doesn't just mean knowing how to actually ask for money, but also knowing how to initiate the conversation, practicing scenarios, anticipating potential responses, and knowing how to direct (or re-direct) the conversation.[15]


Practice your appeal out loud. Get comfortable with the speech, and learn to adapt it to your own style of speaking. Make it your own speech, and try to make it feel comfortable and unrehearsed (even though this may take a lot of rehearsal).[17]


Try recording yourself, either with a tape recorder or on video, and study your mannerisms and your speech patterns. Does it sound honest? Do your vocal patterns and your physical mannerisms communicate the message of your organization, and the urgency of what you're trying to solve?[19]


Original article and pictures take http://www.wikihow.com/Ask-Rich-People-for-Money site

Why You Must Pursue a Milwaukee Class Action for a Minor Drug Injury

Why You Must Pursue a Milwaukee Class Action for a Minor Drug Injury


Why You Must Pursue a Milwaukee Class Action for a Minor Drug Injury


You know that you are lucky. You know that the injury that you suffered from your medication could have been worse. It could have been fatal.


Consider this: While the injury that you suffered may have been minor, it was not insignificant. It still affected your life, and you may still have the right to recover damages through a pharmaceutical class action lawsuit.


It might not make financial sense for you to pursue an individual lawsuit against the drug manufacturer because of your injury. However, a Milwaukee pharmaceutical class action lawsuit might make sense. This is because a class action suit…


Won’t cost you too much. The attorney fees, expert witnesses, and other expenses associated with a lawsuit will be shared among all of the plaintiffs and not borne by you alone.


May hold the pharmaceutical company accountable. The drug manufacturer may learn from its mistakes if it is held accountable for the side effects of its medications. That may lead to improved testing and monitoring to improve patient safety. You can help spare other people the suffering you endured.


May provide you with relief for your injury. Your “minor” injury still had an effect on your life and you deserve to be compensated for what happened to you.


For more information about why you might want to pursue a class action after a minor injury, please contact an experienced Milwaukee pharmaceutical injury lawyer today at 1-800-800-5678 or 414-223-4800. Our Milwaukee personal injury lawyers do not want you to suffer alone. Please call us to find out more about how we may be able to help you.


Original article and pictures take http://www.hupy.com/blog/why-you-must-pursue-a-milwaukee-class-action-for-a-minor-drug-injury.cfm site