Social Learning Theory

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Get the Right Automotive Fasteners For Your Safety

Most of the accidents on road today are a result of incompetent automotive fasteners. Or at least it is a contributing factor. Hence, it is very necessary that this is taken care of for overall safety on roads. Choosing the right fasteners is also necessary for proper maintenance of your precious car.Checklist for Getting the Right Automotive Fasteners: Go for company websites that has a display a huge inventory of fasteners. This way you can choose the one suited for you. Also see to it that the company you have chosen online also has state-of-the-art equipments and tools for manufacturing automotive clips that are superior in quality and fulfills specific customer needs.Only highest quality raw materials used in making this fasteners guarantee maximum level of performance, reliability and durability, hence keep an eye on that as well. Make sure to order in bulk, or packaged quantities to raise your profit content, when you get automotive clips.Installing Automotive Fasteners the Right Way: Apart from getting hold of the right fasteners, it is also necessary that you get the services of a competent engineer in this field. A proficient automotive engineer follows the specific requirements of installing these fasteners in the right way. And this is a necessary part of installation; these fasteners need different torque qualities.Getting the right installation can give a new look to your car as well as enhance its overall performance. It has been found that some metric fasteners installed on your bumpers and quarter panels if not done properly may result in undue expansion and allow movement. This may at times lead to serious and irreparable damage to your vehicle.So, never ever compromise on your car engineer, when you have to get your car repaired for faulty automotive fasteners. For your negligence may risks lives dear to you!

How to Become a Property Financier

Why should you become a property financier? To answer that I need to ask you another question. Why do you invest in property?You probably have the following three reasons.1. It gives you chance to make outstanding profit potential through using your bank’s money2. It provides you with a steady monthly cash flow; and3. Provided you buy sensibly it is a safe investment!!!However you also know what are the absolutely worst things are about being a landlord.1 You have to put up with annoying tenants and pay the costs for all repairs to the property after they have trashed it!! There are also other large costs involved in owning property.2. You can tie up a lot of cash – as much as 20% of the value of the property.3. Property cycles can last as long as 20 years. We are now in the middle of a housing bust. If you have bought or are thinking about buying now you might not see much cash from your property until you sell in the next 10-15 years.In short, although I love property, it also has its headaches. This is why I love being a property financier!! It gives you the freedom of investing in the safe property asset class and provides you with fantastic monthly cash flow. So what is property financier. In short it is a person, or group of people (commonly called a ‘syndicate’) who lend money to property developers in order for the developer to use the funds to build a new property or to improve an existing property to significantly enhance its value.For example the property developer finds a site to build a house on. He knows he can buy the land and build the house for $200,000 and sell it for $350,000. The developer takes his plan to the bank who like it and provide him with 80% of the funding for the project (just like Buy to Let mortgages, a bank will not provide 100% funding) on the basis that the bank will take a first charge over the property. The developer therefore needs to obtain a further $40,000 in funding.This is where you come in.You look at the developer, the site, the plans and the area and think that this house will have no trouble for selling at $350,000. You agree to lend the Developer (or lend part of the money in a syndicate) the $40,000 on the basis that you receive a second charge over the property after the bank (this basically means that if the property is sold, the bank is entitled to its money first and then you are entitled second). Because you are taking a second charge, your risk is greater and therefore you are entitled to charge a high rate of interest on your $40,000.This is the juicy part!!!Typically, as a private investor you will be looking to receive 2-4% per month on your money. 4% on $40,000 is a whopping $1,600 per month you will receive in your pocket, every month for the life of the loan. Now that is what I call explosive cash flow!!! And what have you done – nothing other than carefully check out the investment and the developer. Of course you don’t get to keep the property at the end of the project, but you do get your money back plus a dynamite return and you did not experience one property related hassle!!! Your investment is also fairly safe in that you will have carried out your due diligence on the project AND you have the second charge.
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