Lowes Employment, Where to Look For Job Openings

The main reason that a Lowes employment opportunity is considered so valuable is that Lowes offers the stability and benefits of a large, growing company. Additionally, as a corporate giant in the top rankings of the Fortune 500 annual list of largest corporations in America, and with more than 200,000 employees worldwide, it comes as no surprise that the list of job openings is quite diverse, from working at a local store on the front lines providing customers with home improvement products, to working at the distribution center moving products from the manufacturer to the stores, to working at Lowes corporate headquarters supporting both the stores and the distribution centers. 

What is a surprise is that private, independent web sites that list Lowes employment opportunities is a quicker and more direct access to such job openings than trying to find the same information at the Lowes corporate web site.   The corporate web site is understandably built around customer sales and service with the focus on locating products available to Lowes customers and locating the stores the customer can visit. When compared to most corporate web sites Lowes web site was found to be easy to navigate for the average job seeker. Yet  even though an individual can locate the same job openings information on Lowes web site, the information took less key strokes, and therefore time, to locate on independent job listing sites. That included finding the information on the position available and the hiring location as well as filling out and submitting a job application. 

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One thing common to applying for Lowes employment or employment at any large corporation is that you have to follow exact steps. The process takes weeks, not days, to complete. Expect to have to complete all of the steps of filling out a detailed application, an interview, and an internal company review before you can be hired no matter how qualified you are.

Lowes Employment, Where to Look For Job Openings

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Federal Grant Application For Free Money

To get a piece of the billions of dollars in free grant money, all you need is access to a federal grant application in order to submit your grant request. The Obama administration has taken something that has always been available to American citizens and made it available at a much larger scale. Federal grant money helps people by providing the financial aid they need to reach their goal.

Whether you need government grants to start a small business, go back to school, or to pay off your credit card debt, you can submit a federal grant application to request and receive some of these funds. Once you do, you will never be asked to repay this money. Grants are not loans, which means it doesn't matter what your credit history looks like, how much debt you carry, or what your income level is. The government is purely interested in providing you with the money you need in order to stimulate the economy.

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As long as you are at least 18 years old, you can submit a federal grant application in order to receive some of this free money. Millions of Americans are claiming their grant checks every day, and as a tax paying American you are entitled to some of this money too. Once you access the grant database, you'll see the hundreds of government and private foundation grants that you can request. Just use the federal grant application included with your access, complete the form, and wait for your check to arrive in the mail. The money is available, but you have to ask for it in order to see if you qualify.

Federal Grant Application For Free Money

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How Hard is it to Fill Out the Free Grant Money Application and Actually Get Free Grant Money Back?

Do you want to get free money for personal reasons, to start a business, for medical reasons or many others? There are so many people that do, but they assume that they don't apply. The truth is that if you are a citizen of the U.S. and 18 years old, then you can fill out a free grant money application and really receive some from the government.

Too many people think that finding and filling out the application is too hard to do. So, they don't take any action to actually apply. It is not as hard to complete the application as most people think. You can find sites all over the internet where you can complete one. In fact there are quite a few ones that are out there right now based on the current economic situation.

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The government has billions of dollars that they will give out in free grant money to anyone that applies. You just need to answer their questions honestly, figure out what type of grant you are going to apply for, fill out the form and then submit it. Before you know it you will have the funds that you applied for.

Don't delay in applying for free grant money because there is no one stopping you from getting your grant, except you. If you don't take action, then you will never be able to have the funding you need. So, find a free grant money application now and apply because if you don't then you may regret it later on.

How Hard is it to Fill Out the Free Grant Money Application and Actually Get Free Grant Money Back?

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Shared Calendar More Interactive With Online Appointment-Scheduling Software Applications

Businesses, organizations, healthcare providers, tutors and other individuals and operations that require appointments and reservations for their services are increasingly looking for ways to offer a shared calendar to their customers and clientele so they can view what days are available for booking a service time. When utilized as a function of an online appointment-scheduling application, the technology can expand well beyond a simple calendar view, with such functionality as online self-scheduling and automated e-mail and text message reminders. It's for this reason that these groups are incorporating Internet technology into their office procedures to help them improve and grow their operations.

CLOUD TECHNOLOGY HELPS IMPROVE THE APPOINTMENT-SCHEDULING PROCESS

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Web-based appointment-scheduling software is what's commonly known as a cloud application. This is a universal term for programs not housed on a person's personal computer or office network. Think in terms of accessing a Web page for online banking, accessing e-mail or updating a social networking page. It's software that's accessible through the Internet from a secure location. And that's what makes it so appealing to a growing number of businesses, medical practitioners, colleges and universities, government agencies, tutors and organizations. It's easy for them and their customers and clientele to use and doesn't require expensive installations, hardware and ongoing maintenance. Unlike pricey software platforms of the past, cloud-computing technology gives these groups an affordable software alternative that users, in most cases, can have up and running within an hour. All that's required is an Internet connection.

The beauty of online appointment scheduling software is in its functionality. The "shared calendar" that customers and clientele can access is more than just a simple program that visitors can view and possibly interact with. In most scheduling applications, it offers robust features that can completely change the way an operation manages its appointments and reservations, such as:

• Online self-scheduling. This feature allows individuals to book their appointments and reservations at their own convenience and at any time. In essence, it keeps a business, office or organization open 24 hours a day. And it also can reduce the number of phone calls from individuals looking to schedule service, thereby freeing up valuable staff time for more important tasks.

• Automated e-mail and text message reminders. Sent prior to a schedule appointment or reservation, these are not only appreciated by customers and clientele, they can also help the business or office reduce the number of "no-shows" by over 50 percent.

• Online payment options. Individuals who schedule appointments online may wish to pay at the same time. This feature can also help reduce the number of "no-shows", as a person who already paid for a service is more likely to keep the appointment.

• Record-keeping and reporting. Traditional methods of managing appointments involve more than just answering the phone and writing down a name in a calendar. Staff must then input details of the appointment as well as contact information in separate spreadsheets, files or other documents. This can be time-consuming and require significant staff resources, depending on the number of daily services scheduled. It's also burdensome to locate specific information or compile details for reports. Appointment-scheduling systems make these tasks easy by centralizing all appointment information in one location.

• E-marketing capabilities. Just as record-keeping can be a tedious process, so can maintaining customer and clientele e-mail lists. Online appointment-scheduling software manages customer e-mail records in the same manner as other records, making it easy to pull an up-to-date e-mail list. Since customers generally have the ability to update their account information, e-mail addresses are kept more current then if staff manually managed the list.

THE BENEFITS OF WEB-BASED TECHNOLOGY OVER 'TRADITIONAL' SOFTWARE

Until fairly recently, many software programs were out of reach for most small businesses and professionals because of the high installation costs, pricey hardware and ongoing maintenance and upgrades necessary to keep the software up and running. This is no longer the case, as these cloud-based appointment-scheduling software applications can now easily fit into any operating budget. Some don't even require long-term contracts by offering "pay-as-you-go" service plans.

In addition to the minimal costs involved in incorporating such systems, online scheduling programs are accessible from any Internet connection, a tremendous benefit in today's 24-7 work environment. Many business owners and professionals must have the ability to access their appointments and customer information from outside the office; the more traditional software applications made this very difficult-if not impossible-since they were typically housed on only one computer or network. This benefit expands to the customer and client as well, as it makes online self-scheduling easy to implement.

Offering a 'shared calendar' means a lot more than showing what days and times are available for service appointments. It can be part of a much larger and interactive online appointment-scheduling system that completely transforms the way administrators and staff schedule and manage their appointments and reservations. Give the technology a try (most scheduling service providers offer a free trial of their product) and you soon learn the advantages of these beneficial applications.

Shared Calendar More Interactive With Online Appointment-Scheduling Software Applications

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Complete an Application For Free Government Grants As Fast As Possible

More and more citizen are suffering with the burden of insane outstanding sums totaling up and financial difficulties as they lead their busy lives while fighting for time to meet deadlines for bills while facing piled up debts. What you don't know is that as long as you are a citizen of the United States and above the legal age of 18, you are eligible to apply for the free government grant to assist your financial needs.

Accept your luck and don't remain ignorant to the benefit of a free grant just because it sounds too good to be true. Truth be told, he US government has set aside billions of dollars for various grant program and the amounts are increasing as not many people are aware of this grant or are unsure of their eligibility. If you've got a financial situation that you need to resolve, don't hesitate to apply for the grant today because there is absolutely no harm in trying.

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In addition, it gets easier to apply everyday as the forms are now readily available online. You would be required to fill out some personal questions about your total household income and reasons as to why you are applying for the grant. Be completely honest and straightforward as your information would be kept private and withheld from the eye of society.

By simply trying to apply, you can reap the benefits of this grant as it is free and can help you get your life back on track. You could use the money to start a business, finance your university education or degree, pay off overdue bills, make home repairs that have been sorely needed, and many other things that require financial aid.

So clear your debts today and start new with a clean slate and a fresh day by applying for the free government grant and enjoy its many benefits.

Complete an Application For Free Government Grants As Fast As Possible

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Selecting the Best Generators For Home and Business Use

While it's always a good idea to have a back up plan for power, it can be extremely confusing to make a choice when selecting generators for home and business use. What do all the specifications mean for you when you go to get a job done? If you don't understand how a generator works, you may find that you have something that is insufficient for your needs. It's also just as likely to you'll end up spending too much by purchasing a machine that has more capacity than you will use.

The needs can vary greatly between applications in your home and on a job. For home use, a smaller model will likely be sufficient, such as those sold at hardware stores like Home Depot or Lowes. The home standby generators and portable lightweight generators can handle basic power needs around the home, including running a water heater or washing machine. If you intend to provide full back up power to the entire house, you may want to purchase a larger model with more horse power and output. If you already have access to gas lines, consider one of the many propane generators or natural gas generators. Portable gas generators can be significantly less expensive to operate than other choices. For those that live away from a populated area or want to be more energy independent, it may be a good idea to examine portable solar generators. Besides home use, these models are ideal for camping and hiking. Powerenz makes several fantastic machines.

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For business applications, the most important thing to take into consideration is the power load that will be needed. Portable diesel generators are the most popular choice for job sites and farms. They can handle most moderate loads for things like power tools. For a large site, several machines may be needed. If your business has large machines that need to be able to run consistently, you will likely be looking at commercial models. These have the capability of running an entire factory floor in the event of a power outage. You can also find marine generators that are comfortable in a water environment, such as on a boat or at a dock.

Having reliable power is necessary for both homes and businesses. Selecting generators for home and business use isn't difficult if you understand what your needs are and which models best fit into those requirements.

Selecting the Best Generators For Home and Business Use

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Can You Do Your Own Trademark Search?

To the surprise of many people, the first step in a trademark registration is not filling out the application provided by the Patent & Trademark Office. No, the first step is doing a trademark search. The question is whether this is something you can do yourself or need to have some else do for you.

Why Search?

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Why do you need a trademark search? This is a simple question, but comes with a critical answer. You must do a trademark search first because there needs to be a determination as to whether the mark you have in mind will infringe on any other that is already being used in the marketplace or is registered with the Patent & Trademark Office. If there is one, you can save the time and effort of filing while thinking of another mark to use. I can't emphasize this enough. You must do a search up front to make sure you will not be infringing on the marks of others.

DIY

Let's face it. We are a do it yourself kind of country. If we weren't, giant companies like Lowes and Home Depot would not exist. To the surprise of many lawyers, this do it yourself spirit has spread to the legal world where there are a host of services offering to do what previously only lawyers do and, just as importantly, individuals now taking care of their own legal needs.

So, should have a go at doing trademark searches on your own? Yes and no. Pursuing the first steps on your own is definitely something worth your time and effort. The first step is to do what is known as a common law search. This involves searching the web for your mark. If it is a graphic, this can be difficult. If it is a word or text, it can be easy. Just search and see what comes up. Also, type it in as a domain to see if someone has already registered it. If you find anything, there is a very good chance your mark would infringe on the one already being used on the web.

The second DIY step you can take is to visit the Patent & Trademark Office website and do your own search of the agency database. Go to the trademarks tab and then follow the links to the search section. If you have a multiple word phrase in mind, make sure to write "and" between each word. The database should kick out results that are close to your mark and you can evaluate from there. Again, this is primarily only for text based marks you have in mind.

Cleared Search?

So, are you done if you pass both of the above tests? No. Now you need to hire a trademark search service to do a more thorough search for you. Remember, there are trademarks filed at the state level and some used in commerce that do not appear on the web. If you miss out on these, you are going to face an infringement claim down the road that will be a disaster.

Why not just hire the search service up front? You can, but it usually will run you a few hundred bucks. Eliminating obvious conflict sources like the web and Patent & Trademark Office can save you that fee.

Can You Do Your Own Trademark Search?

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How to Make the Perfect Resume For a Job Application Online

If you are looking for a job on the internet then you need to ensure that your resume is perfect. Or it will find its way into the trash can. Here are some tips to help you find a job on Craigslist. Most of us overlook directions listed out by those offering jobs. Check out the directions listed and follow them scrupulously. Failing to follow instructions will ensure your resume lands in the trashcan and show you can be trusted with work.

Most job seekers overlook including a cover letter that requires to be sent along with the resume. Enclosing cover letters are standard business practice. Remember that when you include your objectives in your resume they need to change depending upon the nature of the job applied for. In your resume provide details about your schooling and college education in a brief manner. Your resume should contain vital information which relates to the job applied for.

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If you have any particular skills, talk about those skills and explain about them in detail. This will provide the person reading your resume a better insight about your skills you possess. It's important to include all your contact details in your resume like your telephone number, both fixed and mobile, and your email address. This will enable those who wish to hire you, to contact you quickly. Failing to provide a valid email id and telephone contact details in your resume will ensure your resume lands in the dustbin not a job.

How to Make the Perfect Resume For a Job Application Online

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Help Wanted - Filling Out Applications

WHERE TO LOOK
• Look beyond newspaper ads!
• Take time to visit different areas and look for NOW HIRING signs in retail and service spots!
• Need to check community Web pages for community/local positions
• Check Craigslist and other "free advertisement" websites

WHAT TO DO DURING APPLICATION PROCESS
• Greet the initial person politely and ask to fill out an application
• Bring your resume with you
• Take your references and employment history (with dates), skill's information, & education information with you to your potential application sites in a binder
• Apply for a specific position as opposed to writing "open to anything"
• List your most recent job/education first
• Fill it out patiently and neatly, with no errors or spelling mistakes!
• Don't leave anything blank! Write "does not apply" or "N/A" (not applicable) if the question doesn't pertain to you & FOLLOW DIRECTIONS!
• Be honest! The employer can come back and hold anything dishonest against you which can lead to you not getting the job
• Take your own pen! It will make you look more professional!
• Double check every section of the application
• Speak with a manager when you hand in your application. You can make your first impression a good one right away. If you're lucky, you can even get an interview scheduled. Remain positive and personable.
• Do a follow-up with any application you turn in. Let the employer know that you are interested in the job and that you are persistent enough to follow through with the application.

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Follow some of these simple rules to help you land your next gig!

Help Wanted - Filling Out Applications

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Diary of a Bad, Bad Bookkeeper (Day 112) - The Signature Stamp

Dear Diary,

Today the boss went on vacation and guess what he gave me...the Signature Stamp. I couldn't believe it when he handed it to me. I think my smile was from ear-to-ear. Doesn't he realize how stupid it is to give me the signature stamp?

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"Are you sure you want to give this to me?" I asked all innocent like. In the back of my mind, I was already calculating how much money I might be able to get now that I had this new stamp.

"Of course. I trust you," he told me with an amused little smirk.

That smirk told me everything I needed to know. My question had just convinced him that I was the sweet innocent young lady he had come to know so well. Because - fool that he was - he sincerely believed that everyone was as open an honest as he was.

I almost felt bad about stealing from him. Almost. But then I would remember that I was making less money than everyone else in his company...everyone except the receptionist.

"I don't know. That's a lot of responsibility," I commented in the best hemming-and-hawing voice I could manage. "I really don't want to let you down."

"It'll be fine," he assured me with a light tap on my shoulder.

Then he strolled out of my office. An hour later, he left the office for good. He was off to the Caribbean for the next two weeks.

I waited an hour after he left just to make sure he wasn't coming back.

And then...

Over the next week...
I signed some IRS paperwork with that signature stamp. Whether or not the IRS paperwork is accurate...? Who cares. At least it's filed. I opened a new cell phone account with his signature stamp...got the "Unlimited Text and Talk" package...for my whole family. My daughter may only be 8, but she loves her pretty new pink cell phone. And of course, I love my new iPhone. I also got a new Business Gas Card Account. I downloaded a new bank account application from online, signed it with his signature stamp and faxed the paperwork back. Got instant approval. I sent out several applications to local vendors to get lines of credit. They all got approved. I now own a chainsaw from the local hardware store (because I can), an electric lawnmower from Lowes, solar panels for the garden from the local garden supply store, and 0 window blinds from Home Depot. I ordered a bunch of magazine subscriptions in his name and sent them to my house. (I really love Cosmo.) I walked into Office Depot and paid for a whole bunch of office supplies with a blank company check and his signature...including a new printer for my kids and a portable scanner for... I guess for the "heck of it." I went to the bank with a check made out to Cash. (That was an easy 0.) I paid my new car's DMV bills with his check...and got my husband's car smogged. I signed a few petitions in his name. He's now a Democrat that actively supports breast cancer funding. I also got a PO Box in his name at the local Mailboxes Etc. office. All that new paperwork will never even come to the office. ...And I did a whole bunch of other stuff, although I can't remember them at the moment.

You know what the best thing is, Diary? When he comes back, he'll have no idea what I've done. Most of the paperwork will go to the new PO Box I opened in his name. And even if he comes back and asks to see the bank statement for the first time ever, he still won't know what I've done. I can explain away the DMV and car-related bills as "work needed on one of the company vehicles," the Office Depot check as "supplies we needed" and the Cash check as "Petty Cash" issues that came up. All the rest...well... there's just no way he can find out about that stuff. At least none that I can see.

*******************************************************************************

How to CATCH this Kind of Theft:

You can't.

You can't catch this kind of theft because you've given them a free pass to steal from you. And since your bookkeeper has access to all of your most personal information - social security numbers, DOBs, Tax ID Numbers - you've just made it super easy for them to take anything they want in your name. That means - YOU are responsible LEGALLY for EVERYTHING they've done. The IRS says you owe money, and they have your legal signature on file...then you have to pay it or try to fight it. It's your signature. And if you lose, you have to pay penalties and interest on top of the paperwork they've filed.

Now you can PREVENT this kind of theft by NOT giving your signature stamp to anyone who has access to your checks, credit cards, or any kind of personal information. Maybe that person is your office manager or receptionist. Maybe you can give it to your accountant and make your bookkeeper go to them to get your signature. Either way, by adding a second person to the mix whenever you go on vacation, thus giving the second person you're signature stamp, you are taking steps to actively prevent embezzlement while you're away.

Diary of a Bad, Bad Bookkeeper (Day 112) - The Signature Stamp

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Future Advances for Voice Recognition Applications

The future of voice and speech recognition is upon on, but where is this technology going and how will this help us in our daily lives, work or assist our government in becoming more efficient? Well, it is time to start discussing some of the potential future applications or 'killer aps' that are now possible or will be shortly, along with issues of funding the research forward.

We must consider how other complimentary Artificial Intelligence advances will hyper-advance Voice Recognition performance. If you have ideas or concepts for the future of Voice Recognition, we should talk. Below are just a few of the concepts that come to my mind while thinking on this subject today, perhaps you have some too. Indeed, there really is no end to the potential, and we are only limited by our imaginations.

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Today, in considering this question, I wrote down some potential industries and uses where these technologies will be needed and desire, which would warrant R and D expenditures. Some of these ideas are borrowed from general knowledge, articles, papers and/or think tank conversations, still others off the top of my head. These are merely just the natural progression and evolution of voice recognition. The bigger question is where do YOU see the voice recognition future - What say you?

Death of TV Remote Control eGovernment Interactivity with the eCitizen FAA Control Flight Controls Interactive Internet Searching Interactive Online Books Interactive Shopping Carts Intercepting Terrorist Communications Rehabilitation Companion UAV Voice Control Video Game Interface Wrist Watch All-in-one PDA, Cell Phone, Video Phone, Music System w/ no buttons
Oh and in case you think any of this is too way out in the future, look at this piece on Cell Phone Voice Recognition Interface for Consumers and then think on it:

http://www.technologyreview.com/Biztech/19698/?nlid=667

Future Advances for Voice Recognition Applications

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Vista Anti-Virus 2011 Removal Guide: Effective Steps to Remove This Rogue Application

Vista Anti-Virus 2011 is another version of rogue system security application XP Total Security 2011. This fake application is very much similar to its predecessors and is developed with an intention to obtain money from innocent users. Vista Anti-Virus 2011 is a new type of cyber brat developed by criminals in order to steal your confidential data. It deteriorates your system performance and installs additional viruses, trojans and other malware into your computer. So, immediately remove Vista Anti-Virus 2011 from your PC if you want to prevent it from further damages.

This bogus application automatically enters your system without any consent of user and irritates you by showing false viruses and scan results. Usually, users get panic after seeing security alerts on their computer screen and hence, pay for the licensed version of this malicious application. But it is advised not to trust this fake application and don't waste your precious money on it.

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Consequences of Vista Anti-Virus 2011 Attack

Display unwanted pop-ups and alerts Changes desktop settings Modifies browser homepage settings Alters Windows Registry Hijack Internet Explorer, Mozilla and other web browser Redirect browser to some malicious website Unable to execute various system application Slow Internet connection Generates malicious codes in system Install additional adware into your computer System gets crashed

This malicious application put an end to your PC if you don't take immediate step to remove it. So, it is essential to remove Vista Anti-Virus 2011 as quickly as possible.

Vista Anti-Virus 2011 Removal Instructions

In order to remove this destructive application manually you need a computer expertise who has detailed knowledge about registry editing because this process requires process killing and registry edition. So, if you are technically expert you can follow below mentioned steps to get rid of this rogue system security application:

Stop running processes of Vista Anti-Virus 2011 Delete its registry entries Remove its related files and folders from every location of PC

By following above mentioned steps you will be able to remove this malicious application but often it leads to system crash and causes data loss conditions. So, it is advised to use effective Vista Anti-Virus 2011 Removal Tool to remove this rogue software.It is effective software which is developed with latest techniques and strong scanning algorithm using which it detect and delete the spyware from your system. So, if your system is infected with malicious application you can use this tool to get rid of.

Vista Anti-Virus 2011 Removal Guide: Effective Steps to Remove This Rogue Application

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Where to Find a Free Rental Application Form

Before you can get a tenant into your property, they need to submit an application to lease or rent the unit. This is an important step, as it grants the property manager permission to check references, ensure that the tenant is reliable, and verify that they have the income to pay their rent. It can be tempting to search through the many thousand documents on the internet and grab the first rental application form that you find, but often that's not the best solution.

This article will discuss where to find a free rental application form on the internet, and what to avoid.

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So Many Choices

A simple search for the term "Free rental application" will bring up millions of different results. It can be overwhelming to know which option to chose, where to start, and what sources provide reliable content. There are several things to consider when you're sifting through all the options:

What's the cost? For a rental application form, there is really no reason to pay for a document. There are an abundant selection of quality documents available for free. Paying (any price) seems unreasonable for such a general form. What's the source? Does the site look professional? Again, with so many choices, don't limit yourself to sites that provide garbage forms. There should be no misspellings or typos, clear and easy to read language, and the documents should be in a professional format. What's the catch? Does the site want an email address, membership, etc? Once you find a rental application form that you're comfortable with, you can use it for years to come just by making copies. This is an area of the real estate world that doesn't change much, and a document that works now will likely be fine 5 years from now. Recurring memberships and account sign ups aren't necessary for this either.

Where to Find Free Rental Application Forms

Regardless of the search engine that you're using, try to find a site that fits your needs. If you're searching for a template instead of a stock document, include the word 'template' in your search string. If you'd like a custom document, include the word 'custom' or 'customizable' in the search text to bring up more relevant results.

You may benefit from viewing the first several pages of results instead of the top search results, as they often require payment or membership of some sort in exchange for the documents that you're looking for. It might also help to find several different websites that provide good rental application forms and print the ones that you like. You could compare them side by side before deciding what to use for your rental.

Other Ideas

If you find a website that provides good documents or templates that you like, consider using other documents that they have available (if possible). This might be a good opportunity to get a rental checklist, lease agreement, or other rental forms while they're available.

Conclusion

Hopefully this article has provided some insight in where you can find different forms, and what you should try to avoid in your search. The application isn't quite as critical as the lease agreement (though it's still very important), so don't stress if you don't find a document that fits all of your criteria right away. Keep looking! With a little persistence you'll find a solution that fits your needs and costs you nothing.

Where to Find a Free Rental Application Form

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Obama's Financial Aid Programs - Getting Free Money to Pay For School

While college expenses, tuition and the price of textbooks continues to rise, the plans Obama set forth to help students pay for school are working. By applying for free student scholarships, individuals can get the cash they need to pay for school and obtain their college degree. Regardless if you want to go to technical school or obtain an advanced degree, there is financial aid available that can help you go to school and graduate debt free.

Because scholarships are not loans, they do not incur interest and do not have any repayment terms. That also means that applying typically does not require a credit check, and may not even include income verification or be provided based on merit. There are a number of different scholarship programs and resources to help student pay for school without much any out of pocket expense.

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If you are already enrolled in school, you can use online resources to quickly apply and see if you qualify to receive as much as ,000 in free student scholarship money. Once approved, often times you are automatically enrolled to receive the money every semester, which makes it easier for you to enroll for classes in the next term.

But even if you have not decided which school you would like to attend or even what degree you would like to seek, there are online resources that will allow you to enter a little background information and show you which schools can provide you with financial aid you need. By tapping into these free search databases, any individual has the opportunity to get the cash they need to pay for college and other expenses.

Obama's Financial Aid Programs - Getting Free Money to Pay For School

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Jobs For Teens Under 18 - Jobs Hiring Teens

As a teenager, it's really hard to find a good job.. or any job for that matter. If you're not 16, most places wont even look at you! So how do you go about getting some extra spending money? Online survey services work very well. It doesn't require a credit card, it's entirely free, and they hire all ages including teens!

These services provide jobs for teens under 18 by paying you for every survey and promotion you complete. You can get paid up to 20$ per survey, and surveys generally take about 10 minutes to complete. This survey services minimum age for hiring is 13, which makes it a nice way for teens to earn cash.

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What do I need to get started on this?

An email address, thats it. These service are completely free and don't require a bank account or a credit card. To receive your payment you can have a parent, or anyone with a bank account cash the check for you.

When do I get my payment?

Most companies deliver your payment at the 20th of every month, like clockwork.

Can you give me proof that this really works?

Yes! Click the link below for proof of checks and a review of a service.

Why are these company's paying me for this?

Basically, advertisers want to know what people like, and what people are looking for. By giving them valuable information about the kinds of things you like and the things you would buy, you help them save millions in advertisement. Click the below link to learn more about how these companies work.

Jobs For Teens Under 18 - Jobs Hiring Teens

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MasterCard Applications Online

With over 25,000 financial institutions issuing its cards, MasterCard is a leader in the credit industry. It is also one of the world's most widely accepted credit cards. By filling out an application, you'll be taking the first steps toward enjoying the benefits MasterCard offers. Here's what you need to know about MasterCard applications and some of their best cards on today's market.

MasterCard Applications

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You will find a variety of MasterCard applications online. Begin by searching for a card that fits your financial needs. Once you find the right MasterCard option, the application process is easy. For most MasterCard applications, you'll be asked for basic information, including your address, employment status and income level. In many cases, you will find out quickly whether or not your application has been approved.

Before sending in your MasterCard application, be sure to read the fine print. This will explain important details, such as interest rates and possible finance charges. Once you understand the terms and conditions, you'll be able to manage your MasterCard wisely.

Elite Rewards World MasterCard

One of the top cards offered by MasterCard is the Elite Rewards World MasterCard. This card is an excellent choice if you are looking for a flexible reward program. Issued by Bank of America, this card offers one point for each dollar spent on purchases in general. In addition, you'll be rewarded with double points for every dollar you spend at participating retailers. Your points can be turned in for a variety of rewards, including gift certificates, hotel stays, car rentals, and flights on over 125 airlines.

To help you jumpstart your rewards, you will receive a bonus of 500 points once you make your first qualifying purchase. That's a great way to begin accumulating points! Some of the other valuable benefits you will enjoy with the Elite Rewards World MasterCard include no annual fee and a 0% interest rate on balance transfers and cash advances for the first twelve billing cycles.

Citi Diamond Preferred Card

Issued by Citibank, the Citi Diamond Preferred Card offers a great introductory rate and a variety of valuable services. With this card, you will enjoy a 0% interest rate on purchases and balance transfers for the first year. There is no annual fee for the card, and no fee for balance transfers.

The Citi Diamond Preferred Card comes with top-notch protection services. This includes Citi Identity Theft Solutions. With this free service, specialists will help you if you suspect you are a victim of identity fraud. You will also be offered a secure way to manage your account online. In addition, you can be assured of 0% liability on any purchases you do not authorize.

You can also benefit from a Price Protection service offered through the Citi Diamond Preferred Card. If you purchase an item with your credit card and then find it advertised in print for a lower price within 60 days, you can notify the card's customer service representatives. They will send you a refund of up to 0 for the difference.

MasterCard applications can be found online and filled out in just a few minutes. By choosing MasterCard, you'll be joining the millions of Americans that depend on it for needed financial assistance. Send in your MasterCard application today; then sit back and enjoy the benefits.

MasterCard Applications Online

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iPhone Applications - How to Fully Load Your iPhone For Free

The iPphone is much more than just a phone, its a very technically advanced piece of equipment that is capable of most things that a small laptop computer can do, and it fits right in your pocket.

To explore and exploit your phone's full potential however you will need to install some apps (applications). These are basically computer programs designed to run on your phone. Applications available include games, spreadsheets, organizers, web browsers etc. The list is endless. You can buy apps from many different vendors on the internet, but here we are more concerned with places you can download them for free.

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Your first stop on your search for free iPhone apps should be CNet downloads (download.com), at download.com you will find many free applications that will make your phone into a much more useful tool. Including a nifty little app which makes sure all music you download will play at the same volume, and an app that allows you to remotely control your home computer.

More free apps can be found at iPhoneapps4free.com. Here you will find a library of over 400 free apps. Each application has a screen shot of it in use, as well as details of how many times it has been downloaded and a description, making it easy to decide on the best application for your needs before you download it.

Also, while you're on the trail of free iPhone apps, you should visit Wired and MSN.com. Here, you'll find not only detailed overviews of free apps, but also recommendations for the very best available.

By the time you have worked your way through all these places your phone should be fully loaded and an invaluable and useful tool to manage your everyday life.

iPhone Applications - How to Fully Load Your iPhone For Free

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How Facebook Applications Work In New Business Ecosystem?

Facebook applications can help you integrate your business deeply with targeted customers. To understand how Facebook applications and business ecosystem works, we have to realize the way advertising and selling techniques have changed in the wake of generation Y and booming social media addiction.

Earlier, it was DIRECT SELLING - advertisements were loud and clear. There was an existing demand and the product was sold in a way to fill this gap in demand....a simple rule of demand and supply.

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Now business ecosystem is little twisted - the golden rule of existing demand and products created and supplied to fill in this demand- has taken a backseat. Now advertisements are designed in a way that it first creates a demand (where it was none earlier) and then fill in this type of demand by showcasing their product as a solution. Secondly, advertisement has gone subtle and integrated - and this, as per records is more effective.

In the wake of social media ecommerce, this new style of advertising is propagated and Facebook applications plays important role here. Let us understand this with a small example - now your product is a fashion accessory, so you get a application created that asks users to dress up an image of theirs or choose best dressed friend - now a Facebook user who is inclined towards fashion will pick up application ( can be both game or utility) and enjoy - so this person is a prospective buyer for your product - therefore, while the user is busy enjoying and has built a trust for this application, you slowly sneak in your advertisement....BINGO! Result is effective advertisement for you have the prospective customer targeted.....Isn't it logically a good strategy?

How Facebook Applications Work In New Business Ecosystem?

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Constructing a Grow Box

Which is cheaper, buying a hydroponics growbox or constructing your own hydroponics grow box?

If you have spent any time on forums lately, you will notice that quite a few people recommend that beginners should build their own hydroponics grow box machine for their first grow. However what does the beginner or amateur really know about building a hydroponics grow box? When you are about to take on an endeavor of building your own grow box, there are many safety concerns that you really have to think about. Really think about how much you really know about electricity and how to wire it properly. You will be dealing with a very high wattages and a dangerous amount of electricity in close proximity to water. Do you safely know how to work with electricity and high voltages around water? Do you have experience wiring for hydroponics applications. Do you know the difference between live wires and ground wires? Essentially at some point you will actually need a certified electrician to oversee your work in order to make sure that it is safe to run. Not doing so can lead to disastrous consequences that has happened for many poor growers.

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Besides being a qualified electrician you really do have to know your stuff about ventilation in keeping your hydroponic grow box running super cool. You will be using very powerful lighting systems to light your hydroponics grow box machine. You can be using 600 Watts or even 1000 W lamps in order to light up your grow box machine. These types of lamps are known to generate an immense amount of heat. Many people talking on the forums will recommend building your hydroponics grow box out of some sort of particleboard or cheap painted wood. This is a really bad idea! Danger! Danger!

I have seen a lot of posts where users will recommend to beginners that they build their hydroponics grow box out of inexpensive cabinets made for clothes and built out of wood furniture found at hardware shops like at Home Depot for instance. Can you imagine how dangerous it is to put high-powered 1000 W lamps inside of a wood closet that I was meant for clothes and is nothing more than particleboard. Not a good material to build a growbox out of. Unless you really know what you're doing. Wood is about the worst possible materials to use when building your own hydroponics grow box. I would really recommend using metal. However metal is much harder to work with. Another reason for buying it from the professionals. A good grow box should be built out of metal for safety and durability. Metal is very difficult to work on and hard to do on your own.

There is no way you can get into bigger trouble than by having your hydroponics grow box catch on fire, can be a problem when built from a wood cabinet from hardware store. Fire is a common amateur mistake which happens more often than you know when you talk about mixing high amounts of electricity and water together in a very small space or enclosed space such as in a wood cabinet. Often to try to save money beginners and those on a budget will not use adequate fans to keep their grow box system running cool. Very powerful fans are in order to keep your grow box running cool because heat will damage your plants. Those fans also have to be set up in a very specific configuration in order for them to work correctly. In order to get a very successful yield you really have to know quite a bit about the ventilation to get the very best plant growth is a grow box and avoid starting a fire in one that you build on your own.

Often members of the forum that suggests building your own hydroponics grow box forgets to mention a lot of stuff that is needed to build a successful growbox machine from scratch. Sometimes you will see post from users on a forum claiming that you can build a grow box for much cheaper than what commercial grow box manufacturers sell their products for. Is that really true? Do we believe everything we read on a forum? How do we know the qualifications of those posting the messages? People like to talk the talk but can hardly walk the walk on forums. Obviously some do know what they they're talking about, but you have to be an expert yourself to know the difference between those qualified and those not qualified to give suggestions on how to build your own grow box. There is a lot of incorrect and misleading information floating around on his forums like wildfire.

These types of comments about building your own hydroponics grow box [http://www.homegrown-hydroponics.com] at such cheap prices is completely ridiculous when a hydroponics manufacturer is purchasing parts for their inventory or purchasing directly from the manufacturers, in most cases in case quantity and getting wholesale lowest-prices which you're not getting! When you're buying one off parts from a hardware store you are paying full markup a very high rate. You are not getting any breaks whatsoever on any of the equipment you buy when you purchase from a hardware store one at a time in small amounts. You are paying a tremendous markup for everything you buy plus you are also paying tax and wasting gas.

Besides there are hundreds of little parts that simply slipped your mind that you will actually need to build their own growbox like junction boxes, lighting systems and reflectors, ballasts and pumps, just to name a few. You will pay top dollar for all of these necessary part. But the expenses really don't stop there. On top of that I'm sure there's a lot of tools they really need to use to build your own hydroponics grow box which you probably don't already own. You will need a variety of types of drills, saws, cutters, and all types of lighting and an electronics like timers to be able to build the proper hydroponics grow box from parts from the hardware store.

Oh and not to mention, besides the tools you'll need all the attachments that go along with these tools which can be very expensive when purchasing from Home Depot or Lowes. Maybe if you're lucky you'll own a few of these tools but certainly not all of them, and certainly not the proper attachments in the proper sizes. So now instead of just buying little parts you're buying all the tools to all the accessories at full retail prices. Will you have a use for all these tools you used on building your hydroponics grow box at a later date? I certainly hope so because they cost you enough money!

Now you've got a whole garage full of parts and you will need to figure out how to put them together from scratch based on sketchy plans found online. Also consider how much is your time worth? This type of project can take quite a while to construct. Sometimes it can take days for simple design two weeks or months or more complicated. Do you really know that your design works? Have you built one of these grow boxes before? How qualified are the people on the forums that are recommending certain configurations of boxes they build. Why is there area of expertise? How many grow boxes have they built and what makes them qualified to give advice on building a grow box? I do not following the guidance of someone with limited or questionable experience who has posted anonymously on a forum? It's really hard to know what the actual qualifications are of someone when you actually know nothing about them. That is why you have to take what you read on the forums with a grain of salt.

Now let's consider purchasing your own hydroponics grow box from a reputable manufacturer that has been building grow box machines for many years and has a lot of experience. Keep in mind that this is a business for the business who is involved in making hydroponics grow boxes every day. Everything they do all day long revolves about around building the best grow boxes they can.

They have done a whole lot in research and development to come up with the current designs they utilize in their products. If you're a professional growbox manufacturers you get a lot of feedback from customers that purchased the machines and the they can make suggestions for improvements on future grow boxes designs. Not to mention professional grow box manufacturers have been manufacturing a product for a while and know their products inside and out. You can naturally see how much a grow box can be improved when you have feedback from hundreds of users of a particular manufactured product. So naturally when you are purchasing from a reputable hydroponics grow box manufacturer you are getting a well-built product from an expert in their industry.

When you take the time to build your own hydroponics grow box there is no guarantee that you're going to get it right the first time. But when you purchase from a reputable hydroponics grow box manufacturer chances are the growbox that you're going will work fairly well just based on the company it came from. You know that it will be safe to handle the amount of light that is used in the growbox because the manufacturers know what types of fans to use to keep the growbox machines running cool and safe.

You know the wiring in that professionally built grow box is going to run safely because the electrical wiring had been done by qualified electrician. When you purchase a growbox versus building your own grow box there'll be no mess. Typical growbox manufacturers will send out their units completely assembled and ready to grow the day you get them. So when you purchase a professionally built hydroponics grow box chances are that it will actually be quite a bit cheaper than building your own when you consider all the money you save on those little tools and all the little parts plus the time all combined together a grow box purchase will cost a lot less money than building your own, and will be guaranteed to work.

It's my opinion that there's little to no advantage to building your own hydroponics growbox unless you are an expert with electrical, metal working, working with wood, and know the science of hydroponics inside and out. Those types of individuals that already use tools and have types of qualification could probably build a really nice grow box on their own. For the rest of us that have little to no experience in the various fields required I was definitely recommend you play it safe and go with the pre-build hydroponics grow box is sure to work and be safe to use.

However if you still want to attempt building one of your own I would suggest taking a look at the video on this hydroponics website. They have some of the best growboxes that I've ever seen, and their design look rock solid. If you want to attempt to make one on your own make it like these guys have. They really know their stuff. Or better yet think about purchasing one and saving your money. But it's really entirely up to you when you want to do. I just thought I'd throw out some of the common mistakes that newcomers have posted on forums about in the grow boxes gone wrong in the past. Happy growing...

Constructing a Grow Box

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Free Government Grant Applications

Tired of paying the up-front, thirty-five dollar "administration" fees for information on grants charged by so many websites? Sick of running into scam after scam while looking for free government grant applications online? Do not pay another dime for access to a list you can find for free! Grant resources are available at no charge; it is simply a matter of knowing where to find them.

Grants.gov is a no-charge resource dedicated to assisting individuals and organizations find government grants. With access to 1,000 grant programs (totaling over 0 billion annually), Grants.gov is an ideal place to begin searching for free government grant applications online. Searches can be performed by keyword, by category, or by agency. Take note though, while finding information on the site is simple, to apply for a grant you must register with Grants.gov. For an individual, this process can take up to one business day. For an organization, it can take up to several weeks. So, don't lose out, get started today! Grants.gov also provides applicant resources, including the ability to track grant applications online.

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Credit Federal hosts a multitude of free resources for government grant applicants including access to the online federal grants catalog. Additionally, free government grant application forms and instructions are posted online, most in either Microsoft Word or PDF format. There's even the ability to submit some applications electronically!

Fundsnet Services Online contains a plethora of government funding resources including direct links to state and federal funders. The CDC Funding Database, the Administration on Children and Families, and the Department of State are just a few of the many programs to which Fundsnet Services Online has access. Additionally, most of the linked websites include grant eligibility requirements, free government grant applications, and funder contacts.

Worried about your eligibility? MyGovernmentResources.com will check your eligibility for free. Whether you're a minority, a disabled citizen, or a small business, a two-minute form is all it takes to uncover your eligibility for local, state, and federal programs. Other information provided includes: specific details for each eligible program, how to apply, and when to apply.

Prefer software for your home computer over online searches? Government Grant Solutions will send a free grant software kit directly to your door. All you pay is .98 in shipping! Or, try the Grant Search Guide. Number two pick of the Government Grant Scam Watch Team, this software is easy to use and will even guide you in filling out your government grant applications. Again, all you pay is shipping!

As anyone who has glanced at grant information online knows, navigating through different grant programs and eligibility rules can be tough. But, it does not have to be costly or time consuming. Finding a free resource, whether a website or home software, to assist in the process is imperative to success. Free access to government grants and free government grant applications do exist. Take a moment to visit some of the websites reviewed above and find the money you deserve! You can apply for a government grant application [http://couponredeemer.com/governmentgrant] online.

Free Government Grant Applications

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MasterCard Application

Of all the different types of credit cards a person can now apply for MasterCard is still the leading provider of such in the credit industry. Plus of all the different credit cards now on offer it is still the most widely accepted even over Visa and American Express around the world. Certainly the steps a person needs to take when filling out a MasterCard Application are very simple to follow and easy to complete.

However before you fill out your application you need to know what MasterCard's are actually available. The best to search for these is online. Today are large numbers of credit institutes who offer you the chance to apply for a MasterCard with them and all will provide you with certain benefits. Plus by completing the application form online you will often find that they provide a response as to whether you have been declined or approved very quickly.

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Normally when completing the application form the company who you are requesting the card from will require the following information. They will need to know your name, date of birth, address where you reside, your employment status and how much you are earning each year. However when you do choose to fill in an application form (whether it be online or in the paper format) it is important that you read the small (fine) print through very carefully. Doing this will help you to better understand their terms and conditions and so you will then be able to manage your use of the card much more carefully and wisely.

As previously mentioned there are a number of different MasterCard's that you can choose from and below we are going to take a look at just a couple of them.

1. The Elite Rewards World MasterCard

This is ideal for those of you who are looking for a great but flexible rewards program with their card. This one is issued by the Bank of America and offers its users 1 point for every dollar they spend. Plus another benefit that this particular card offers to its user is that if they make a purchase a particular retailer who is participating in this scheme they will receive 2 points for every dollar they spend there. Over time the points that a person accumulates can then be used to obtain a number of different rewards. The rewards that this particular card offer includes hotel accommodation, car rental and flights.

2. Citi Diamond Preferred Card

This one is issued by the CitiBank and not only offers the applicant with a great introductory rate but a number of different valuable services as well. With this particular card a user will enjoy the chance to pay 0% interest on all purchases made within the first year of having the card as well as the same for any balances they transfer over to the card once the application has been accepted. Plus also with this card unlike many other MasterCard applications a person is not required to pay an annual fee or pay any fees if they choose to transfer the balance over from any other credit cards that they have.

MasterCard Application

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Credit Card Application

For those who have, at any time of their life, submitted a credit card application, a rejection letter is not a new thing to you. How frustrated you feel when you are refused a credit card, especially if the card was the ideal deal for you!

However, there is still hope. You can alter your situation and get your credit card application accepted by the issuer. Let's take a look at how you can turn the tables in your favor.

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Know The Reasons For The Rejection Of Your Credit Card Application

The first thing you should do after receiving the rejection letter is not cry in despair, but read the letter carefully. In most of the cases, the rejection letter contains the reasons why your credit card application has not been accepted. If it does not tell you the reasons of rejection, then it may state ways to find them out.

If your credit card application has been turned down due to your bad credit score, then determine the contact details of your credit reporting agency, which your credit card company contacted for verification.

In case the rejection letter does not state the clear reasons of rejection, then do not hesitate to call your credit card company, where you had submitted you credit card application, to ask for reasons. Never overlook the reasons of rejection. They may prove to be helpful in future credit card applications.

The Common Reasons Of Rejection Of Credit Card Application

One of the most common reasons is not having an income sufficient enough to meet the minimum requirements of the credit card company. Another reason is that you may not be in your present job for long enough.

Sometimes, the reason for rejection may be an incorrect information been given by the credit reporting agency. This may sound unlikely, but it happens. In such a case, call your credit reporting agency and ask for a free copy of your credit report.

Check it thoroughly and ask them to make the corrections, after giving them adequate evidence of mistake. As per the law, the credit reporting agencies are obliged to provide you a free copy and correct the flaws in the report.

Caution Is The Word For Credit card Application
Credit cards have made people go crazy. They are ready to trade their hard-earned dollars for getting this piece of plastic. However, credit card application calls for a sense of responsibility from your part.

Before filling up the details of the credit card application, make sure that you are familiar with all the terms and conditions so that you do not get entangled in legal hassles later. Besides the usual name and contact information, the credit card application also asks for the acceptance of certain offers. If you are not sure what to fill, it's better to seek help.

Then there are hidden fees on credit card application, which may turn out to be a little heavy on your pocket. So, watch out for these things before you submit your credit card application.

It takes time for a credit card application to get processes, as the company carries out a verification of your identity. The US Patriotic Act orders stiff authentication of people applying for anything in America, including credit cards. But that does not deter the frenzy Americans from going for credit card application. So, while you are at it, it's wise to be well-informed. Ignorance is not bliss here.

Credit Card Application

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Credit Tenant Lease (CTL) Lending - A Banker Answers 7 Common Questions

Triple net lease (NNN) real estate investing is intriguing to many investors who seek dependable monthly income from their holdings. Aside from paying your mortgage, NNN real estate has no landlord responsibilities; you won't be called in the middle of the night to unclog toilets and you won't face huge repair bills if the roof leaks. You will, however, receive a rent check month-in and month-out.

The popularity of NNN investing has given rise to a specialized financing platform called credit tenant lease (CTL) lending. CTL is simply a method of monetizing the present value of a NNN lease by issuing private placement bonds that are backed by the income that the lease guarantees. The proceeds from the sale of those bonds funds a commercial mortgage to the property owner.

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The concept behind CTL loans is simple and, to the borrower, the process is hardly different from conventional borrowing. However, behind the scenes, the actual transaction involves many moving parts and is quite intricate.

As an expert in structuring CTL loans for the purchase, refinance and construction of real estate that is to be NNN leased to credit worthy tenants, I've been asked many times to explain CTL in simple terms. Below are straight-forward answers to some of the most common CTL questions.

What Properties Qualify for CTL?

Retail, office and industrial buildings. Tenant must be "investment grade" (BBB-S&P, Baa3-Moody's). Lease must be double (NN) or triple (NNN) net leased. Lease must be long-term (12 or more years) Lease must be standard (no strange abatement, assignment, or termination provisions) Real estate must be "stand alone" (separate tax parcel).

Who are the most popular "credit tenants"?

US Government Agencies (GSA) such-as The Social Security Administration, The Department of Defense, The Department of Homeland Security, The Department of Justice and The US Postal Service. Drug store chains such-as Walgreens and CVS/Caremark. Big box retailers such-as Wal-Mart, Target and Khols. Home improvement giants such-as Home Depot and Lowes. Many others to numerous to list.

What are the Differences between Conventional Commercial Mortgages and CTL loans?

CTL loans consider the lease rather than the real estate as the primary collateral. CTL loans are non-recourse. CTL loans are long-term, fixed rate, self amortizing loans. CTL loans can utilize high leverage (100% LTV, 100% LTC, low DSCR) CTL finance is an investment banking transaction rather than a straight loan.

Can I get a CTL loan at my local bank or from my regular mortgage broker?

No, CTL lending is a complex form of investment banking and is only done by firms with specialized knowledge and experience.

How long does it take to get a CTL loan?

The CTL process can be completed in as-little-as 45 days from start-to-finish but 60 days is standard.

Are CTL loans more expensive than bank loan?

Most of the expenses associated with CTL lending are the same as those associated with any commercial real estate mortgage loan; however there are some significant costs that are unique to CTL finance. Because CTL loans tend to be long-term, fixed rate, fully amortized loans with terms that mirror the lease terms (co-terminus) they are, in-the-long-run, less expensive than regular loans because you do not have to pay the costs of refinancing every 3, 5, 7 or 10 years or worry about coming up with a massive balloon payment.

What do I need to provide to the banker to get a CTL quote?

Type of building and building address. Name of NNN tenant. Annual rent collected. Term left on lease. Purpose of loan.

Credit tenant leas financing is a fast, dependable and efficient way to finance NNN real estate deals. Once the basics of CTL are understood and an investor builds a relationship with a reliable CTL banker, they will enjoy great potential for investing success.

Credit Tenant Lease (CTL) Lending - A Banker Answers 7 Common Questions

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Know the Costs That Comprise a Residential Construction

Residential construction consists of sky rocketing costs. Once you decide on having your residential house built or a part of it constructed, you should also be decided to shell out a good amount of money. Although monetary aspect is an important factor in building a good house, you must be wise enough to choose contractors and builders that will not set high mark-ups for materials and labor costs.

Knowledge is power. It does not necessarily mean that you know all the sides of construction but you must at least have an approximation of the costs. There are available online residential construction costs calculators which let you generate detailed material and direct costs estimates in consideration of your house designs.

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Generally, residential construction costs are categorized into soft and hard. The soft costs include labor and materials while soft costs include title insurance, appraisals, architect's fees, etc. There are important variables accompanying the basic residential construction costs. These are the quality, cooling, heating, material used, shape, geographic area and design features.

All the variables enumerated above are essential in estimating your costs. It will be best to decide first on the design of your house before entering into any construction agreements. Listed below are some questions to start with your design and cost estimation:

1. How many corners will your house have? Outside perimeter's shape is necessary to estimate the total cost of construction. Take note that more complex shapes correspond to added expenses due to complicated structure of floor area. Most residents have four, six, eight and ten corners; other outline includes the garage area.

2. How large will be your living area? Of course, smaller houses with small living areas entail lower construction costs rather than large buildings. Measure the living area and estimate the construction cost of the area including annexes, lean-tos and other addition but exclude the basement, attic, and porch.

3. What is the quality of your house? Residential houses depend generally on quality and one important cost variable to achieve this is the quality of construction. You can either choose to have the best at high price or low quality at low cost. The quality of foundation, exterior walls (i.e., wood, brick, metal), exterior finish, windows and doors, roofing, bathrooms, kitchen, flooring and plumbing are the dimensions wherein high quality construction must be applied.

4. Will there be a balcony, exterior porch, attic, basement or garage? How many? Additional room and structure entails additional costs; aside from the materials to be used in building them. Decide on the number of attics or porches necessary for your house.

5. Where is the location of your house? Those houses built by merchant builders in suburban areas and housing tracts carry less residential construction costs than those built in metropolitan areas. For example, New York new house construction is 34% more expensive than the 19 next largest cities of Chicago, Dallas, Los Angeles, etc.

6. What cooling and heating system will your house have and how many? Most houses have central cooling and heating systems, while other houses have cooling or heating unit designed to cool and heat only one portion of the house. Included in the heating and cooling system are wall and floor furnaces, through-the-wall coolers or window, and baseboard electric heating; all adding to your construction costs.

After conceptualizing your house and designing it, it will then be the start of your estimation. The estimate might only be for simple house and exceptionally decorative houses will really cost more. You can seek the help of a reliable house builder in the cost estimation. Residential construction costs will still vary on the owner and online cost estimator can aid you in planning to construct your dream home.

Know the Costs That Comprise a Residential Construction

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Beat The Energy Crisis - Shop for Solar or Wind Generator Kits With Hookups to the Power Grid

Save Money - Help the Ecology - Slow Down the Oil Wars - Save the Planet. How? It's never been easier.
Here's how. Make your own electricity - not just for your house, for the power grid and your next car.

Ever ask "Why Can't We Buy Solar or Wind Generator Kits?" You would think it would be easy to buy and
easy to install them by now. Here's why. They aren't popular enough for the big companies to sell them yet. When will they be popular? When YOU request them.

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There are 4 major corporations listed below that should sell these kits - with their internet contact form
addresses listed below. When should you contact them? Now. Because the longer you wait, the more money, ecology and lives are wasted. I sent this paragraph to the four major corporations contact pages: "I will be running articles in several online publications this next few weeks on buying electric generator kits for the grid - either from solar panels, windmills or solar-steam generation. When can you offer these for sale to the public? I will try to print your responses. - Arthur Browning" You should send a message too.

Wal-Mart - http://www.walmart.com/cservice/cu_commentsonline.gsp?cu_heading=8

Lowe's - https://www.lowes.com/lowes/lkn?action=custSvcOrderIssue&topic=customerService

Home Depot - http://www.homedepot.com/webapp/wcs/stores/servlet/ContentView?pn=About_Our_Stores&langId=-1&storeId=10051&catalogId=10053

Bass Pro Shop - https://basspro.custhelp.com/cgi-bin/basspro.cfg/php/enduser/ask.php?p_sid=mJPRiWDh&p_lva=&p_sp=&p_li=&CMID=CUSTSERV_CONTACTUS

Certainly there are many companies offering many solar, wind, and water systems to generate electric power. But in all honesty, most Americans do not want to make a lot of decisions about technical applications and which equipment to buy for which approach. Nor do most Americans want the major expense or replacing there current system. Most Americans would however, like a simple kit to generate electricity directly to the grid - run their electric meter backwards - to save money.

Sure a lot of people have done this, but a simple and inexpensive kit that is readily available at a major
outlet insures that the many people who want to save money, ecology and lives can do it. The kit can be less expensive than a riding mower and easier to hook up than a computer, maybe a service technician to mount on the power line.

What does it do for the corporations? It generates profit, increases share value, provides positive image,
and helps save you and this world from severe energy problems. Think about it - but not too long.

Beat The Energy Crisis - Shop for Solar or Wind Generator Kits With Hookups to the Power Grid

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Healthiest Droid Application

For those suffering from food allergies, reading labels for any harmful or unwanted ingredients can be a time consuming process but with the Droid and ScanAvert it is as easy as 1-2-3. They are dedicated to enabling the public to shop safer while providing detection and alarm against unhealthy ingredients.

The application works by using the camera on your Droid cell phone to scan the product barcode which in turn pull the ingredient list from the ScanAvert's database and instantly reports any dangerous ingredients. It also suggests compatible substitute products that are safe to use. It works on foods and beverages alike. ScanAvert also provides product recall alerts.

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Each user must register and include their list of dangerous ingredients. They are also able to input other values like calories, carbohydrates or grams for notifications if the product exceeds the set limits or causes other undesirable reactions.

Some of the beneficiaries:

Individuals consuming prescription drugs Individuals managing obesity, diabetes, celiac disease, or, chronic conditions such as ulcers, which need to avoid substances that aggravate their symptoms. Individuals who are abstaining from certain foods for religious reasons. Those with ingredient allergies. Children who are avoiding gluten in their diets. Pregnant women advised to avoid particular ingredients during pregnancy. Women who breast-feed their children. Any person who has difficulty reading small labels. Those whose main language is not English, or struggle with literacy.

ScanAvert works off of the Gladson's database, which has the largest product information database available. However the big retailers with private labels do not provide their information to use with ScanAvert. Hopefully the big generic labels will recognize the need to share their ingredient list to insure nobody consumes unsafe ingredients. ScanAvert is the solution for Droid consumers who insist on the best in safety features.

Healthiest Droid Application

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An Ideal Online Expense Application - Part II

Usually, a company does different kinds of transactions with its employees, who visit different places to do specific tasks on behalf of the company. If an employee is allowed to submit the bills only after his/her entire trip is over, not only does this make the employee frustrated but this kind of transaction can put the employee in cash-starved position. What keeps the employee happy is when the company starts reimbursing the employee after receiving his/her first bill. This kind of reimbursement is possible only with the help of an Online Expense Application.

An ideal online application provides the client company ready and relevant customized features. It enables the client company to set limits for a particular disbursal, allows the employee to scan and upload receipts, let employee know whether he/she needs to submit a receipt for a particular expense to get the reimbursement, whether a particular disbursal is reimbursable or not, etc.

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It allows the expenses Approver to approve/reject the employee claim. Not only the approver can sanction only that much amount what the company is permitted to reimburse even though the employee has claimed more but also can do part payment of the sanctioned amount.

An online application with a snazzy GUI and easy to learn/understandable features enables the employee to easily interact with the application and get quick results in real time. Any time, any where, the employee can key in the details and get them approved by his/her approver, who sits somewhere else, with in no time.

Summary

As an Admin, an Online Expense Application brings transparency and credibility to your transactions with your employees. Ensuring that disbursal bills are paid on time is a good business practice. This application, which can facilitate real time, cross-network transactions, and improved decision-making at the approver's end, is possible with a SaaS-based delivery model.

An Ideal Online Expense Application - Part II

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Remember When You Fill Out a Job Application Online

Technology has touched every aspect of our lives, and HR is not an exception. Even though HR might be called People Management and has compulsory human element to it, technology still plays a big part in it. Most good organizations announce the job openings on their website and collects attracts hundreds of interested candidates without spending on advertising. Apart from companies, there are myriads of job portals where you can fill out job applications online.

One thing to understand while filling out such an application is that hundreds of candidates like you fill out the same forms. And that usually a computer program filters through these forms because it is humanly impossible for an executive to read hundreds of applications and select some. Now the human resource function might have placed our fate in the hands of a computer, but there is a way out.

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Just like any other machine, computers were made by man, and hence there are always some limitations which can be used. This recruitment software runs on the logic of keyword search. What that means essentially is that keywords (which are qualifications, skills and competencies) are fed into the program. Once you fill out the application, the software compares your information with the keywords and determines a match. The more keywords your application includes, the higher score you get and higher the chances of getting selected to the next level.

This logic can be used to our advantage. Do not attach a standard CV format with each online application. Take some time to customize it for each opening that you are interested in. In general, the job description provided by the company or job portal is a great starting point. Sit down with the JD and use your experience in the field to determine which of the requirements can't be compromised on. For e.g. for a senior sales profile negotiation skills and presentation skills are non-negotiable.

Make sure you include those competencies and qualifications in your CV.

Another thing to remember is that the selection software recognizes different forms of a word. So negotiation skills can be written as negotiator, negotiations, negotiated etc. Even though you write your CV to get selected in the first round, write it as if you would naturally for a human reader. It should not look botched up with hundreds of keywords especially written for a machine. After all, once you clear this round, an HR executive will sit down to read your CV. You do not want to spoil your chances at this stage.

Remember When You Fill Out a Job Application Online

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Improve Your Resume With A New Career at Lowe's

Lowe's, a billion a year home improvement retailer, constantly hires inexperienced and professional sales associates for a variety of positions. With thousands of stores and hundreds of thousands of employees, odds are the Lowe's nearest you is hiring now. Whether you already have home improvement sales experience or need a job to help pay your college tuition, Lowe's may have a position for you. Lowe's workers must be at least 18 years of age.

Lowe's typically hires new associates for the following positions:

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Sales associate - Lowe's sales associates must enjoy assisting customers in a friendly and courteous manner. Sales associates may also handle stocking and facing product, cleaning, and working seasonal departments. Lowe's sales associates typically earn starting pay rates between and &12 per hour depending on location and experience. Cashier - Cashiers at Lowe's assist customers with store purchases. Besides register duties, Lowe's cashiers may be responsible for cleaning or stocking and organizing point of sale purchase displays. Lowe's cashiers typically earn starting wages from the state minimum to per hour depending on location and experience. Supervisor - Lowe's supervisors may oversee certain departments or groups of employees. Supervisors typically handle scheduling, have a hand in hiring new associates, schedule deliveries and installations, and oversee the daily operations of employees and departments. Lowe's supervisors typically earn starting pay beginning at to per hour depending on location, duties, and experience. Management - Lowe's managers oversee store operations. Managerial duties include hiring, disciplining, scheduling supervisors, banking, communicating with the corporate offices, and appeasing angry customers. Lowe's managers earn starting salaries between ,000 and ,000 per year depending on location, duties, and experience.

Lowe's employees receive a generous store discount as well as paid vacations and sick days. Additional Lowe's benefits for eligible employees include but are not limited to healthcare insurance, retirement packages, and short-term disability pay.

If you enjoy home improvement and assisting customers with problem solving, Lowe's is perfect for you.

Improve Your Resume With A New Career at Lowe's

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The Words You Use During Your Job Interview Send A Strong Message

The words you use to express yourself say more about you than you think. In fact, your vocabulary and the use of appropriate words say more about you than the message you are trying communicate. You are judged by the words you use. When you are looking for a job it is not only important to use the "right" words and language - it is essential.

It begins with the writing of your resume and continues in the way that you answer the questions asked in an interview. Each industry uses "key words" or "lingo" for each position. In order to be prepared it will be important for you to research these words and to use them appropriately. If you do you will sound more knowledgeable and "in-the-know."

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How will I know which words are "key"?

Key words are found in job postings/ads. For each position there are common words that describe what is required for a job. Job postings are a list of qualities and skills employers are looking for in a candidate - their "wish list."

Here is an example of common words used in postings for an Executive Secretary position: (Six postings were used).

"Confidential" (used in all six postings)

"Ability to proofread and edit" (used in all six postings)

"Excellent written and verbal communication skills" (used in four of six postings)

"Organized, Attention to detail" (used in all six postings)

Other words used included, "Discretion," Judgment," Self-starter," Scheduling," "Prioritize," and "Multi-tasking."

If you are applying for an Executive secretary position these are the key words to include in your cover letter and resume. Electronic resume scanners will seek out these words to select your resume as qualified for the position. If these words are missing your resume may not be selected. These are also the words to use in the interview that will make you sound like someone who is a good fit for the position.

Finding the Key Words for Your Position

A good place to start is with job postings. Common words are used to describe the requirements needed for each job. By printing out several posting you will begin to see the "key" words repeated over and over. The only criteria for finding these words should be that you are interested in the job and not limiting your search by location. Make a list of the words that are used repeatedly and note how often they are used.

Another source of words is The Occupational Information Network http://online.onetcenter.org/. You will find a complete list of occupation keywords, SOC codes, Job Families. This site also lists skills required - basic skills, social skills, experience and tasks required. Check these words against the list from the job postings you used to build a stronger list.

When you begin to write your resume or prepare your interview script you will find these words invaluable. Of course, you would never use a word just to impress your interviewer. Knowing the definition behind the word is what will convince the interviewer that you know what you are talking about.

The right words can make a big difference in a single statement - more concise and to the point - more powerful and impressive. Finding the "key" words will make your statements more powerful. Speaking the industry lingo will help you be taken more seriously as a candidate worthy of a job offer.

The Words You Use During Your Job Interview Send A Strong Message

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Cheap Compressors - Choosing the Right Cheap Compressors

Compressor is an electromechanical device which basically captures and enhances the amount of air in a particular space and delivers it at a higher pressure. The air pressure is increased by this which in turn creates high energy. There are also different compressors available like the electric, potable, industrial and handheld which are further classified into various types like the Reciprocating, Rotary Screw and Rotary Centrifugal. There are expensive models to cheap ones available in the market can be used in almost all major industrial, manufacturing, commercial or personal applications.

There are several factors to consider while purchasing a cheap compressor like it's the price, power ratings, PSI, CFM, Tank Size and Horse Power. But the main features to consider are the PSI and horsepower. The higher these are, you'll get more power and benefit of continuous usage from any such cheap units. The functions performed by such units are powering pneumatic or power tools, blowing dust and debris off and out of the power tools, or as an inflation device for tires and flotation devices.

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Important factors regarding cheap compressor purchase:
Horse Power: The horse power of compressor relates to your compressors performance, is often exaggerated. You should be paying closer attention to the engine's rated amperage for an idea of how powerful it is.

PSI: PSI stands for pounds for square inch, this rating is one of the vital ratings in the air compressor to understand as air tools have a minimum amount of PSI required to run. Typically that's 90 PSI, but it depends from tool to tool.

CFM: CFM stands for Cubic Feet per Minute and it's a unit for measuring the rate of flow in or out of a space. In this case, the rate of flow of air out of your air compressor. Air tools typically require 4-6 CFM for proper operation.

Finding cheap air compressors could be a bit scary and tiresome task. Cheap air compressors are available at all national hardware stores, such as Lowes, sears, home depot and many others. High efficiency is the name given to the cheap compressor units, that has induction motors for long life and it does not fail at any given time. The other most important feature with in such cheap units with high efficiency is the little or no maintenance. Its pump is oil free and delivers 40psi-90psi; a large 6-Gallon does its part by reducing the run times.

These units are lightweight and compact like definitely designed for portability. Always make a point to be sure of the ratings and price before buying a cheap air compressor. The cheap compressor comes in a variety of make and models, it is most important to judge all brands before finally making a purchase. There are not much cheap compressors with a good balance of price and horse power, apart of these few top-most brands like Campbell Hausfield, Quincy, Dewalt, Craftsman and Pancake.

Tip: While running two tools at a time from a single compressor, you will need to invest in a compressor with more HP, PSI and CFM. A larger tank size would be advantageous as well.

Cheap Compressors - Choosing the Right Cheap Compressors

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Stainless Steel Shower Doors - For a Truly Remarkable Showering Experience

Many homeowners prefer stainless steel shower doors as replacement for traditional shower doors. They have superior functions and excellent aesthetic appeal that will surely boost the value of your home.

These doors require less maintenance and repair. They are easy to clean, anti-bacterial, mildew proof, rust-proof, stain resistant and non-corrosive. A stainless steel shower door is the most modern and the best style that you can possibly find on the market. Check out some online retailers, such as Home Depot and Lowes, for shower doors at affordable prices.

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American Shower Door's Stainless Steel Shower Doors:

This door is the perfect replacement if you want superior strength and durability on your door. It's constructed with polished or brushed stainless steel. The panel systems and framed piano hinge series are glazed with 1/4-inch thick glass and come with matching tower bar or handle mounted on the glass. You can opt to customize this door and enclosure to fit your bathtub area or shower stall.

DreamLine SHDR-60607912-07 Brushed Stainless Steel Enigma 60" Reversible Sliding Shower Door with Stainless Steel Track Bar from the Enigma Series:

This collection features a heavy glass door and shower enclosure with unique designs, exceptional value and flawless function. It comes with 1/2-inch thick heavy glass protected by a unique coating technology, 4 oversized wheels and track bar in stainless steel, anti-splash threshold, oversized handle, reversible door opening, finish options in brushed or polished. The dimensions are 60 inches wide by 79 inches high. This door collection retails for ,449.75.

Custom Designer Stainless & Copper Shower Enclosures from Frigo Design:

This door can be custom built to fit any size and complement contemporary bathroom décor. It's constructed from copper that is non-tarnishing sealed, stain proof, anti-bacterial, mildew proof and rust proof. The shower base is stainless and has a 4-inch threshold with a drain that is embossed pitching and can be positioned according to your specific application. The fingerprint-less stainless feature makes for easy cleaning, requiring no special stainless cleaners.

Sterling 1530D-42S Vista Pivot II Shower Door 69"H x 36 - 42"W Pebble Glass Silver:

This door from Kohler is made from durable materials, like stainless steel. It features an in-line panel, outward door swing, whole magnetic door latch, reversible door opening and width adjustability of 3.5 inches. The door is available in silver color under model number 1530D-42S for only 9.36, a discount of 25 percent from the original price of 3.35.

Luxurious Frameless Tempered Glass Sliding Shower Door:

This frameless sliding door is built of high-quality clear tempered safety glass with 3/8-inch thickness. It can be installed either right or left sided. It comes with rust-free finish hardware in durable stainless steel and watertight seals. Size options are 48 inches by 74 inches, 60 inches by 74 inches and 72 inches by 74 inches. This door, with model number CZ2174-ST, retails for ,224.00, a discount of ,276.00 from the list price of ,500.00.

CRL 60" Oil Rubbed Bronze Hydroslide 180 Degree Standard Sliding Shower Door Kit:

These door kits can accommodate various shower designs and glass panels. They are available in either 60 inches or 84 inches widths. They are available in finish options-chrome, polished brass, brushed nickel and oil rubbed bronze. Available glass thicknesses are 5/16 inch to 38 inch. These doors sell for 2.19.

Stainless Steel Shower Doors - For a Truly Remarkable Showering Experience

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