Sunday, 11 December 2016

Online Security: NZers flock online for shopping despite cybercrime fears

New Zealanders plan to do nearly 40 percent of their Christmas shopping online this year despite fears of having their credit card or personal details stolen, according to new research from Norton by Symantec.

The Norton Online Shopping Survey reveals that 20 percent of Kiwis find online shopping stressful because of security worries yet 37 percent still do not check a website’s security before shopping online and only 17 percent of those who bother to check are fully confident they know what to look for.

"New Zealand’s love affair with online shopping has seen one in three Kiwis spend more than two hours per week shopping online," said Mark Gorrie, Director, Norton Business Unit, Pacific region, Symantec.

"However with the number of people affected by online crime continuing to rise[1], scammers are constantly refining their skills and targeting New Zealanders with malicious links and scams containing ‘too good to be true’ deals to steal their credit cards details and personal information.

"While the Norton Online Shopping Survey shows that New Zealanders are concerned about security when they shop online, some Kiwis are still choosing to not act on these concerns and putting themselves at risk of identity theft and credit card fraud," Gorrie added.

Online Shopping Security Concerns

Over two thirds of New Zealanders (68 percent) worry most about having their credit card details stolen, whilst half of respondents (51 percent) admitted they were fearful of purchasing goods from an untrustworthy or illegitimate site.

In addition, New Zealanders were concerned about falling victim to a data breach from an online retailer and having a username and password leaked from an online retailer - both at 35 percent. Surprisingly, 12 percent of those surveyed were not concerned by any of these risks at all.

Many of these security concerns are warranted with approximately 17 percent of New Zealanders experiencing credit card fraud as a result of online shopping. Indeed the proportion might even be as high as 25 percent since eight percent said they have experienced credit card fraud but are not sure whether the fraudsters obtained their card details whilst they were shopping online or not.

Smartphone security also presents security challenges for New Zealanders shopping online. The majority of New Zealanders (80 percent) have used their smartphones to browse online shops and 62 percent have made online purchases using their smartphones. Interestingly one in three Kiwis (32 percent) have entered their credit card details on a mobile app yet more than half of all Kiwis (51 percent) are using unprotected smartphones. Only one third of New Zealanders who shop online use two factor authentication and nearly half (47 percent) do not even know what two factor authentication means.

Norton Online Shopping Safety Tips

- If it is too good to be true, it probably is. Be aware of the cheap price tag as free or discounted goods could end up being really costly. So if you have found the latest hot designer shoes, but for a tenth of the price, regardless of how nice they may be for your office Christmas party, they are probably not real. Cybercriminals are experts at creating websites and making them look identical to your favourite brand sites. Only shop at reputable online sites and avoid getting your credit card scammed.

- Beware of fake website links. Do not click on links in an email that appear to come from your favourite online store. Instead type the store’s address into your browser to avoid going to a malicious website.

Be smart with your passwords. Protect your accounts with strong, unique passwords that use a combination of at least 10 upper and lowercase letters, symbols and numbers to help keep the bad guys at bay. Make it difficult for attackers to access your information by changing your passwords every three months and not reusing passwords for multiple accounts. That way, if a cybercriminal gets your password, they can’t compromise all of your accounts. And if it is too overwhelming to keep up this practice, use a password manager to help.

Beware of phishing scams. Think twice before opening unsolicited messages or attachments, particularly from people you don’t know, or clicking on random links. The message may be from a cybercriminal who has compromised your friend or family member’s email or social media accounts.

Organise your online shopping. Set up an email account specifically to deal with online shopping. Provide as little information as possible to get the account set-up and don’t use it for anything else such as online banking, business correspondence or family matters.

Protect your bank details. Always look out for the ‘padlock’ icon or the Norton Secured Seal when making a payment online. These symbols indicate that the website you are visiting uses encryption to protect you, so cybercriminals cannot capture your personal information. Never let a website ‘remember’ your credit card details, always retype them if you want to shop there again.

Online payments. Even though it is the season of goodwill, avoid using public or shared computers, or even a wireless network to make a payment online. Hackers can easily capture your account information, log-in details and steal your money. Use a separate credit card with a small credit limit for online purchases.

Is your internet security software up-to-date? Update your security software regularly, especially during the festive season. Cybercriminals are more sophisticated than ever before and they will jump on any social trend to spread malware and steal your personal details.


Check your statements. Always check your credit card statements to look out for unexpected transactions.

Friday, 21 October 2016

Useful Info of New Mothers Support Group Singapore

Our Living in Singapore Guide captures all information that we think you need to help making living in Singapore easier for you and your family. All new members will receive a copy of our guide & it is available for existing members to buy at our social events.

Our members also like to share their favorite recommendations, click on the categories below for their recommendations...

Monday, 26 September 2016

Hawkfield Gallery Consultants Review: Thriving Classic American Art on Display

What is Art? The question has often been asked by many people. And the answer can be as many as the people who can give an answer. For the art collector, the answer is quite obvious: that which you can buy at an art gallery. And that answer can have a logic that many will learn to appreciate.

Firstly, galleries have the artistic, technical and economic capabilities to know or define what good art is --- not just art but that which is above the rest, if not at the very top of all the rest. But not many people can afford highly-expensive works, or even reasonably priced ones. If one can buy and treasure a couple of art works for the rest of one’s life, it would be enough. But a few dream of collecting more -- and even making some money out of doing so.

Hawkfield Gallery fine arts consultants have the broad experience of buying and selling art and in the process have gained the expertise to help other start their own collection or enhance what they already have. Very much like children collecting cards, art collecting is a passion that is shared by those who love art and wish to expand appreciation for great art works. 

Beyond appreciating art as a whole, Hawfield Gallery art consultants have the goal of enhancing appreciation for folk art and preserving American culture and history contained in those art works. Art, to be honest, is a living legacy which expands the mind and the soul of those who have insight into art’s power to enlighten us of the greatness and goodness of life of whatever era in American history it might portray. Although some art subject matters may exhibit the pains and struggles of ancestors, they still highlight the positive virtues that have made their country what it is today, a leader among leaders in the world.

The Hawkfield Gallery is located on a picturesque scenic route in a shore town halfway between Boston and Cape Cod, itself a witness to the colorful history of the nation. It is housed in an 1850's farmhouse and exactly where there used to be a tearoom, craft shop and lending library in the 1920's. The farmhouse is located in an area beside the historic North River and was once operated as a dairy farm up to the 1960’s. Visitors can take a leisurely a walk along bucolic woodland trails which lead to a pier on the river. Or they can go beyond to one of the numerous antique shops, galleries or historic sites in the South Shore's Plymouth County. Now you know how rich the place is when it comes to American pioneer history.


Owning one art work bought from Hawkfield Gallery is, in essence, a tribute to the continuing allegiance that Americans have for their rich national heritage. And buying one right at their gallery right can certainly add a little more fervor to that burning flame in every patriotic American citizen. Nevertheless, you need not be an American to feel like one and to appreciate or own American folk art. You just need to be a lover of art.

Monday, 5 September 2016

Things to Do in Surrey by Group Holiday in Southbourne Dorset


The county of Surrey is situated in the south east of England and covers some 1500 square kilometres between London to the North and the protected countryside of the Surrey Hills to the south.

The Surrey Hills are an area of Outstanding Natural Beauty.

Its rich heritage has inspired many famous writers, painters and musicians.

Surrey contains busy towns with excellent shopping facilities, historic market towns and a wealth of quintessentially English villages.

There are family activities and adventure parks such as Chessington World of Adventure, famous racecourses like Epsom, historic house like Hampton Court and gardens like Kew Gardens.

This is in addition to countryside with beautiful landscapes and views. Surrey is a county for everyone, with so much to see and do, choosing can be difficult!

Surrey is the most urbanised County in England but over 6,500 acres of countryside remain. As such, it's still England's most wooded county.

Visit Surrey Tourist Information centres for details of how to explore the beautiful countryside by Ranger guided walks, or via the Surrey Cycleway. The rivers Mole, Thames and Wey running through the County offer opportunities for fishing and boating.

Surrey is famous as the site of the signing of the Magna Carta. On 15th June 1215 King John met 25 barons, somewhere between Staines and Windsor. This meeting at Runnymede fields, resulted in the king attaching his seal to a document that became known as the Magna Carta.

Today you can visit Runnymede Meadow, Egham, to see the Magna Carta Memorial. It was erected by the American Bar Association to commemorate the sealing of the Magna Carta's 750th Anniversary. Here you will also see the Kennedy Memorial, the site was given to the people of America in memory of President John F Kennedy.

The town of Guilford offers some of the best shopping facilities in the south east. You can take a guided walk to learn about its history and fascinating buildings. The River Wey lends a tranquil feel to the middle of town and offers access to lovely countryside - a short walk along the towpath. The surrounding countryside offers a wealth of attractions, including stately homes like Clandon Park, and Hatchlands Park. There is also the River Wey and its Navigations - centred at Dapdune Wharf - and RHS Garden at Wisley.

Leatherhead is a distinctive, historic market town and is a gateway to the Surrey Hills. With nine business parks, it is also an important working destination, as well as being an excellent centre from which to explore the area. The Mole Gap Trail - one of many marked trails - takes visitors through the valley of the River Mole and links the towns of Leatherhead and Dorking.

Dorking nestles in the narrow valley between the Greensand Hills to the south and the chalk hills of the North Downs. One of Dorking's more famous residents was the composer Vaughn Williams. He was the first conductor of the Leith Hill Musical Festival. You can drop into the tourist information centre for details of this and other festivals and events in the area. The local countryside is well worth exploring. There are historic villages, each with its own charm, a wine estate, historic properties, and Bocketts Farm - a great family attraction.


Farnham is to be found in the south west of Surrey, it is a gracious country town with some of the finest Georgian architecture in the south. Its castle dates back to the 12th century. The town is the starting point for the North Downs Way.

Wednesday, 24 August 2016

Frank Owens LTD Home Building Industry - Filing History

Date                      Description

22 Dec 2015        Total exemption small company accounts made up to 31 March 2015    

26 Nov 2015        Annual return made up to 18 November 2015 with full list of shareholders Statement of capital on 2015-11-26
GBP 2

17 Dec 2014        Total exemption small company accounts made up to 31 March 2014    

26 Nov 2014        Annual return made up to 18 November 2014 with full list of shareholders Statement of capital on 2014-11-26
GBP 2

20 Dec 2013        Annual return made up to 18 November 2013 with full list of shareholders Statement of capital on 2013-12-20
GBP 2

20 Dec 2013        Total exemption small company accounts made up to 31 March 2013    

21 Dec 2012        Total exemption small company accounts made up to 31 March 2012
               
28 Nov 2012        Annual return made up to 18 November 2012 with full list of shareholders
               
04 Jan 2012         Annual return made up to 18 November 2011 with full list of shareholders
               
24 Nov 2011        Total exemption small company accounts made up to 31 March 2011
               
17 Jan 2011         Annual return made up to 18 November 2010 with full list of shareholders
               
24 Nov 2010        Total exemption small company accounts made up to 31 March 2010    

22 Apr 2010         Annual return made up to 18 November 2009 with full list of shareholders
               
22 Apr 2010         Director's details changed for Francis Gareth Owens on 18 November 2009
               
22 Apr 2010         Secretary's details changed for Francis Gareth Owens on 18 November 2009
               
22 Apr 2010         Director's details changed for Damian Owens on 18 November 2009
               
31 Jan 2010         Total exemption small company accounts made up to 31 March 2009
               
09 Feb 2009        18/11/08 annual return shuttle 

22 Jan 2009         31/03/08 annual accts   

10 Feb 2008        18/11/07 annual return shuttle 

09 Feb 2008        31/03/07 annual accts   

24 Jan 2007         31/03/06 annual accts   

27 Nov 2006        18/11/06 annual return shuttle 

28 Feb 2006        31/03/05 annual accts   

15 Dec 2005        18/11/05 annual return shuttle 

02 Dec 2004        18/11/04 annual return shuttle 

01 Dec 2004        31/03/04 annual accts   

17 Sep 2004        Change of ARD 

23 Dec 2003        Return of allot of shares              

17 Dec 2003        18/11/03 annual return shuttle 

24 Apr 2003         Updated mem and arts

24 Apr 2003         Change in sit reg add
               
24 Apr 2003         Change of dirs/sec
               
24 Apr 2003         Change of dirs/sec
               
24 Apr 2003         Change of dirs/sec
               
24 Apr 2003         Resolutions

Special/extra resolution

03 Apr 2003         Resolution to change name
               
18 Nov 2002        Pars re dirs/sit reg off

This document is currently unavailable, a copy can be ordered from the Contact Centre. Telephone +44
(0)303 1234 500. There is a £3.00 charge per document.

18 Nov 2002        Decln complnce reg new co

This document is currently unavailable, a copy can be ordered from the Contact Centre. Telephone +44 (0)303 1234 500. There is a £3.00 charge per document.

18 Nov 2002        Articles
This document is currently unavailable, a copy can be ordered from the Contact Centre. Telephone +44 (0)303 1234 500. There is a £3.00 charge per document.

18 Nov 2002        Memorandum


This document is currently unavailable, a copy can be ordered from the Contact Centre. Telephone +44 (0)303 1234 500. There is a £3.00 charge per document.

Tuesday, 23 August 2016

Frank Owens Limited Home Building Industry: Damian Owens, Company Director from Co Derry


Damian Owens is a formally registered director born in November 1960. Up to this point, Damian was engaged as a high-level officer in 1 company. The initial nomination happened in Frank Owens Ltd on March 25, 2003. The business was formed on November 18, 2002, with headquarters set up in Co L'derry. The board member cooperated with Dorothy Kane (company director), Malcolm Harrison (it officer). This 55-year-old managing director is listed in 28 company filings, for example: the filing delivered on April 22, 2010 on behalf of Frank Owens Ltd in the officers - change category, the filing delivered on April 24, 2003 on behalf of Frank Owens Ltd, or the filing delivered on December 17, 2003 on behalf of Frank Owens Ltd. Damian is a person of Irish nationality.

About
Name: Damian Owens
Date of Birth: November 1960
Age:                55
Nationality:    Irish
Residence:     Northern Ireland
Address:         Co Derry BT47 3AX N Ireland
Last updated:            2016-06-23
Director at:
Frank Owens Ltd
Occupation:   Company Director
Appointed:    March 25, 2003
Address:         50 Main Street Co L'derry United Kingdom
Incorporation date: November 18, 2002
Work History
Company Details
Frank Owens Ltd
Incorporation date: 2002-11-18
Category: Private Limited Company
Sic Code (Services): 56302 - Public houses and bars


Tuesday, 16 August 2016

Bacall Development: How to find a good commercial property

There are a lot of things to consider when you're looking for a commercial property. Finding the perfect property for your business can be difficult, so Bacall Development advise you to keep reading to help you search for the right one.

Location can set a great difference to the kind of business you own. Not every business rely on location for the success of their business. If you depend on customer contact in a retail setting, then be in a place that is accessible to your customers because it could affect the success (or failure) of your business.
You may choose a location that offers a peaceful environment if you don't see clients that much. Your staff will be more focused to do their tasks with serene surroundings. Creating a home office is also advisable to save on operating costs and provide potential tax savings if you're not expecting visits from your customers and don't have any employees in site.

Size is also an important factor to consider, based on reviews gathered by Bacall Development and its associates. See to it that the property fits perfectly to the kind of business you have. To avoid added expenses because of retrofitting, make sure that the place has been outfitted with wiring to complement your communication and electrical needs. You should know the zoning ordinances of the place as well.

Even though the location has high rent but is accessible to your potential customers and meets the needs of your business, then it is perfect for the growth of your enterprise. It's good for a retail business owner to place its business near similar businesses according to reviews. Ensure that the property offers comfort and safety to your customers.

You can find affordable properties through courthouses and get a list of business closings or property foreclosures. Consider different alternatives as well such as buying a lot and have control over the construction and design, leasing a build-to-suit, and renting an existing space.

Consulting a real estate broker can help you find a commercial property and lessen your options. If there are places that interest you, better visit them in person to assess some issues that may affect your business such as competition, traffic, and overall convenience.

But if you're not the type that likes to go in different places by foot, you can search available properties online through real estate websites. Bacall Development wants you to act quickly in case you already found the right one for you and your business because a good commercial property does not stay available for long.

Monday, 15 August 2016

Singapore Huxley Associates International Financial: The perfect match – why job hunting is like dating

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Looking for a career match this Valentine’s? Play the job hunting game like you do the dating one and the perfect match could be just around the corner.

Finding the right job (or the right candidate) is a lot like playing the dating game – first impressions count, and we all have things on our ‘deal-breaker’ list. Read on for our tips on how to find the perfect match this Valentine’s Day (and beyond!)…

Know what you want in a potential partner?
Make a list of deal-breaker criteria when sizing up possible suitors, to ensure you don’t get carried away by the thrill of the chase.

Quick fling or long-term togetherness? – Do you want your next career move to be ‘the one’, or is forever for later?

Cast your net wider – think outside the box about what will give you job satisfaction and fulfilment. The perfect match could be in the least expected of places, or your skills could be well suited to a role you never considered before.

Be honest with yourself and them – if a job isn’t going to make you happy – be it at application stage, interview or beyond – avoid staying in the relationship for the sake of it.

Pursue happiness, not just material gain – it’s just not about making others jealous or commanding a huge salary for the sake of it. What’s truly going to make you relish getting up every morning?

Don’t judge by appearances – the best looking organisations aren’t necessarily the most wonderful work for, or might not be a good fit for you, so be sure to look beneath the surface.

Presentation is everything – first impressions count, so make sure your online profile, CV and covering letters send out the right messages. Likewise, think carefully about the signals you’re giving off at interview, with everything from what you wear to how you sit and the answers you give.

Don’t rush into things – accepting the advances of the first recruiter or business that pays you some attention is a recipe for disaster. Think things through before you take the plunge and leap in head first.

Play hard to get – you’ve aced the interview and clinched the job, so now it’s time to lay down a few ground rules. Ensure the rules of engagement are on your side when negotiating your salary and package.

Make sure there’s chemistry – having a connection and similar values are important in all relationships, personal and professional.

Remember, it’s not all about you – ask questions, listen carefully and take a genuine interest in what your match has to say. Think of it as professional flirting.

Be selective yet realistic – pickiness is essential when sourcing potential partners but remember that nobody’s perfect.

Plenty more fish in the sea – rejection can hurt but don’t let it affect your self-worth. Keep your search focused, be proactive, network and follow up all potential leads in a timely fashion and your career soul mate will come along sooner or later.

Wednesday, 10 August 2016

Bacall Associates - Travel Guide in Singapore

Singapore is a cosmopolitan city-state that became independent from the British in 1965 and is now one of the world’s leading economic centers in shipping and banking – Singapore is expensive by Southeast-Asian standards, with everything costing about double what it does elsewhere in the region. While most people come here for a couple of days just “to do” Singapore, I love this city and think it deserves longer than that. There’s a lot to do here, some great parks by the Malaysian border, and incredible (and cheap) Chinese and Indian food. Singapore is also moving beyond its sterile image and fast becoming a city with world-class nightlife.

Typical Costs

Accommodation – Accommodation isn’t cheap in Singapore. A night in a hostel dorm will cost around 15-30 SGD, and a budget hotel starts at 50 SGD for a basic double room with fan. Most hotels here are around 80-110 SGD per night.

Food – There are plenty of low-cost eateries around Singapore with street stalls typically selling food for less than 6 SGD per meal. Chinese and Indian food is usually around 8-9 SGD per meal. Most casual restaurants are around 20 SGD and after that, the sky is the limit.

Transportation – There are plenty of buses and taxis around Singapore, but the Mass Rapid Transit (MRT) runs the length and breadth of the country. MRT tickets vary in price, as they are based on the distance traveled, but generally cost around 4 SGD.
Activities – On the whole, activities in Singapore are not that expensive. Some, like the Singapore Botanical Gardens and Bukit Timah Nature Reserve, are free.  Entrance to Singapore Zoo is 32 SGD and Underwater World is 29 SGD.

Money Saving Tips

Take public transit – Travel on public transport is just 10 SGD per day for tourists with a Singapore Tourist Pass. This will get you unlimited rides on a number of buses and trains.

Eat on Smith Street – The stalls here offer food for less than 6 SGD and are a great place to sample local snacks.

Eat cheap – Save money on food by eating in Little India, Chinatown, or the hawker stalls throughout the town. Meals in these places cost only a few dollars.

Top Things to See and Do

Visit Singapore Zoo – This zoo is one of the best in the world and also one of the top attractions in Singapore. Covering an area of 70 acres, this place is huge and has a vast array of animals: over 3,600 mammals, birds and reptiles. The zoo’s night safaris are hugely popular, offering visitors the chance the get up close and personal with nocturnal animals. Entrance to the zoo and a night safari costs 71 SGD. Watch out though, there’s no food around here and since you have to wait for the night safari to begin, you get stuck eating the overpriced zoo food. See the zoo in the morning and come back at night for the safari.

Eat at the Boat Quay – Boat Quay is a hive of activity and is the place to go for dining and entertainment. The alfresco pubs and restaurants also make Boat Quay ideal for relaxing after a long day of sightseeing. Be sure to bring a camera to capture the imposing skyscrapers and bizarre statues along the riverside.

Hang out (and party) on Sentosa – This little island getaway is popular with locals and tourists alike. Head to the Tiger Sky Tower, Asia’s tallest observation tower. At 450 feet, it offers amazing views over Singapore and Sentosa. The Underwater World aquarium is the main attraction on the island; walk through tunnels below sharks, piranhas and eels. Universal Studios is also located on the island. You have to pay to get on to Sentosa. The cost to get there on the Sentosa Express is 4 SGD.


Admire Thian Hock Keng Temple – Stunning architecture makes Thian Hock Keng one of the most photogenic buildings you’re likely to see in Singapore. The temple was made from the finest materials and best craftsmen that China had to offer around the time of its construction in the 1840s. The temple was designated as a national monument in 1973.

Thursday, 4 August 2016

Mövenpick Resort & Spa Tala Bay Aqaba Adds To The Fun Factor


Mövenpick Resort & Spa Tala Bay Aqaba Adds To The Fun Factor With New Family Activities

Jordan’s leading family resort, Mövenpick Resort & Spa Tala Bay Aqaba, has enhanced its family offering further by creating several new activities for parents and children to enjoy together, including ‘Famolympics’, treasure hunts and private cooking classes with the resort’s chefs.

The resort’s 150-metre stretch of private beach is the location for the ‘Famolympics’, which tests a family’s teamwork, agility and coordination at five stations involving mind games, relays, swimming and sandcastle-making.  Treasure hunts make the most of the resort’s Red Sea beachfront location and see teams of parents and children work together to find hidden treasures. Both activities are available at the weekend.

For families who enjoy cooking together, the resort’s first-class kitchen is the perfect place to learn five-star culinary techniques. Supervised by professional chefs, the private midweek cooking classes give families hands-on cooking experience as they create one of three local Jordanian dishes: Maqloobah, Sayadieh and Mansaf, the country’s national dish.

“Family holidays are perfect for enjoying quality bonding time, while creating memories together to take back home,” says General Manager Beat Peter. “When introducing new initiatives, we focus on the dynamics of our guests, try to understand what they want and then work on something that fits with the resources and location that we have. Our beach and beautiful outdoor areas are definitely highlights, so activities that give our guests the opportunity to enjoy this are high on our agenda. We also want to be remembered for more than just our delicious food in the restaurants and the private cooking experience is a way to combine this with a cultural element. Only in making long-lasting moments can we set ourselves apart from others.”


Mövenpick Resort & Spa Tala Bay Aqaba is the only property in the Kingdom to be included in TripAdvisor’s Top Hotels for Families in the Middle East.

Monday, 30 May 2016

Alfa One Builders Corporation: The Top Builder in Kannur

Alfa One Corporation Builders is the leading real estate development in Kannur, Kerala. With years of experience, our firm became one of the well-established and organized organizations in the industry. Our strong financial foothold in the real estate sector allows us to attain the most prestigious homes that one would dream of. We are eager to influence the industry with our profound experience and invincible commitment to fulfill each of our client's needs. We have received several recognitions in the industry because we always produce work of a high standard.

We offer distinctive services in the construction industry, where we feature constructions at prime locations with exceptional connectivity, premier constructions, scheduled completion, and the latest facilities. Through the years, we have emerged as one of the renowned organizations for our passion on building relationships that grows incredibly valuable, exploring new territories on the real estate industry, and making life more meaningful. Our aim is to always meet the needs of our clients by continuously understanding their expectations.

Our firm is the fully owned subsidiary of Alfaone Corporation, which is headquartered at Dubai and enjoys a multinational presence. Alfaone's diverse portfolio includes residential, commercial, urban development, transportation, infrastructure, industrial projects and government services. Our parent company's multinational presence has allowed us to attract and remain among the best local and regional talent to accomplish most complicated projects, and to change and shape the future of our country. Alfaone combines the benefits of a global outlook with local market knowledge.

Our prestigious projects deliver better living environment for the people to facilitate life and living. Decades of excellence, passion for perfection and our indomitable dedication to provide the best has made our name synonymous with foremost quality and trust. Our greatest endeavors include creating a new face for Kerala and a new phase in the construction sector.

Alfaone is dedicated to offer homes that are specially designed to transform the dreams of several people into reality. Our triumph consists of three aspects including our commitment to fulfill the interests of the clients, engaging with them as partners, and achieving the goals with integrity and remarkable service.

Alfaone also strives in developing brilliant designs that set them apart especially in terms of quality. We always consider the needs of our clients while creating our projects.

Our firm is moving ahead at a great pace with a vision to be a catalyst to build strong and lasting relationships. Our core principle is to contemplate as to how design can make lives more spectacular.

Our interior design allows us to design your dream that's as extraordinary as you imagined. We can add sophistication to your living space with a touch of expertise.

We could guarantee you that you'll have no worries owning an Alfaone home. Alfaone homes are eligible for home loans from trusted financial institutions in the country. They will assist you in getting an Alfaone property in a much easier way.

Our firm prides itself in having accommodating professionals who always have a smile on their faces, which we consider our biggest asset. Just give us a call at 8111977788 or 04952761010 and we will always be there for you.

We have already gained the trust of millions clients all over the world. We engage our clients in all stages of construction, by which we are continuing to get worldwide customers.

Alfaone Builders encompasses exemplary characteristics that make us one-of-a-kind, including integrity, professionalism, responsibility, quality, and unity. Our working process consists of three steps including planning and design, construction, and delivers projects with quality. We strive with all our strength to leave a lasting imprint in the real estate industry.

Our firm was registered on January 17, 2008 and was incorporated in May 2013. Alfaone Builders currently have two directors who are Luthufuddeen Puthiyakutty Mappelagath and Biju Ummer, and falls under the jurisdiction of the Registrar of Companies, ROC-Ernakulam. Its authorized share capital is Rs. 7,500,000 and its paid up capital is Rs. 6,450,000.

Some of our completed projects include Aquamarine and Lamina. Aquamarine is situated in Kannur and it is a fourteen story skyscraper overlooking the golden sands of the Payyambalam Beach. It includes sauna, Jacuzzi, and gym for the health conscious; swimming pool, outdoor and indoor party areas for the fun loving; and ample parking area, round the clock security, backup generators and garbage chutes for convenience and enhanced comfort. On the other hand, Lamina includes independent villas with ualtra-modern facilities set in salubrious surroundings, and it is also located in Kannur.

Witness our clients' satisfaction on our services by visiting our website. They have proven that we possess an unshakable dedication to home development and we are an open organization to work with. And that we provide them a fabulous life with a smile on their faces.

We ensure that our projects are professionally managed and that our clients will have an amazing life with their family. We will continue being one of the best service providers in real estate.



Tuesday, 3 May 2016

How To Buy A Home In A Cash Buyer Market


Saving up enough money for a down payment on a home can feel like a moving target that is subject to the whims of your real estate market. For buyers in markets where cash plays a critical role, calculating how much to save for a home becomes even more difficult. In some markets, a traditional 20 percent down payment may still land you at the bottom of a long list, behind all-cash buyers. On the other hand, in markets where cash offers are absent, a hefty down payment may make you the seller’s first choice. Understanding the role of cash in your local market can help you decide how much to save for a down payment on your next home.

To get started, let’s check out which markets have the most and least cash buyers, and how to be a competitive shopper in either environment.


Buyers in the Midwest and Southeast, especially Florida, are most likely to compete against all-cash buyers. An analysis of the 51 largest metros in the United States revealed that the top 28 cash buyer markets are all located east of the Mississippi River. Out of the top 10 metros with the largest percentage of cash buyers in Q2 of 2015, eight are located in Florida. The other two top cash buyer metros are located in the Midwest: Cleveland and Detroit.



In the number one market for cash buyers, Miami, an astounding 55 percent of home purchases were made in cash during Q2 of 2015. This figure is actually smaller than previous years, potentially indicating a slowdown in the overall number of cash deals in Miami despite how high the percentage remains.

Dropping to number five on the list, Cleveland, 45 percent of homes were all-cash sales—a full 10 percent less than Miami but still a significant share of the total home sales. In Orlando, the tenth top cash buyer market, the percentage of cash buyers drops by only 1 percent. Homebuyers in most major Florida metros and some Midwest markets can expect that 44 percent or more of the home sales will go to cash buyers.

Least Cash Buyer Markets

Buyers hoping to avoid competing against cash offers should head west. While cash dominates real estate in large swaths of the Southeast and Midwest, it is largely absent west of the Mississippi. Nine of the 10 metros with the smallest percentage of cash home sales are located in the West. Only one East Coast market appears on the list: Worcester, MA, where 21 percent of home sales were cash deals.

Three California markets that also appear on the list—San Diego, Ventura and San Francisco– boast 21 percent cash home sales. Colorado Springs only had 14 percent cash deals.

How To Be Competitive

Fortunately, there are steps that shoppers can take to remain competitive regardless of their markets. If you’re in a cash buyer-dominated market, try these tips:

1. Work out your financing details before you start house hunting. Sellers often prefer cash offers because they are not contingent upon the seller’s financing coming through. Buyers who get pre-approved for a mortgage signal stability and a lower likelihood of their offer falling through—two important considerations for a seller.

2. Sell your current home before looking for a new one. It’s usually easier to secure new financing without an existing mortgage and you can avoid a contingency clause about selling your existing home that may make sellers hesitant to accept your offer.

3. Indicate your willingness to make other concessions. While it’s generally advised that you never skip a home inspection, being willing to waive an inspection, work with the seller’s preferred escrow company, let the seller pick the closing date and other small concessions may tip the scales in your favor.

4. Write a personal note to the seller and tell them why their home would be the best fit for you. Many cash buyers are investors, so telling the seller how their home would have an impact on your life can help sway their decision.

5. Don’t weaken your offer by including any unnecessary terms, conditions or contingencies. While buyers in markets with an abundance of inventory might have the flexibility to include contingencies about repairs or updates the homeowner must make, sellers with multiple offers are likely to reject such terms.

Buyers who are in markets without many cash buyers typically don’t have to try as hard to stand out among the competition.

However, you can still boost your offer by:

1. Save up a substantial down payment (20+ percent) and get pre-approved. The extra cash and pre-approved status will indicate that you are serious about your home purchase and well-qualified.

2. Stay on top of new listings and submit bids as soon as you’ve checked out the property. Sellers typically review offers in the order that they come in. Beat out other buyers by simply having all your ducks in a row and submitting an offer immediately on homes that interest you.

3. Make your offer straightforward and simple. If there are improvements you’d like made on the home, consider submitting a lower offer instead of adding a clause about repairs the homeowner needs to make. The less work involved on the seller’s end, the more likely they are to unload the home to you.


There are many steps buyers can proactively take to improve their chances of landing their dream home. So, take the time to understand who else may be shopping in your market to help you create a more competitive offer.

Monday, 28 March 2016

Transferring Your Brokerage Account: Tips on Avoiding Delays



Many investors transfer their accounts from one brokerage firm to another without a hitch. If your transfer goes smoothly, count on the whole process taking two to three weeks. But this time frame may vary depending upon such factors as the assets involved, the types of accounts, and the institutions between which the transfer occurs.

-the wrong transfer form is used;
-the transfer form has been incorrectly completed;
-the transfer involves a request to liquidate some or all of your assets;
-the transfer includes a margin account;
-the transfer is from one type of account into a different type of account;
-a change in the account owner is made; or
-the transfer involves a retirement account.
-This document walks you through the transfer process and provides tips on how to avoid problems.

Use the Right Form
Use the correct form to ensure your transfer goes smoothly. Some firms allow you to use one form for all account transfers while others have different forms depending on the type of account you are transferring (for example, an IRA account or a margin account). To get the right form, call the new firm where you want to transfer your account or visit its Web site.

Review the Form Carefully
As you start filling in the transfer form, review the account statement from your old firm where your account is held. All firms require you to attach a copy of your most recent account statement to the transfer form.

The form usually asks for the name on your account, the type of account you want to transfer, account number, the firm where the account is held, and your social security or tax identification number. Be sure you provide this information exactly as it appears on your old account. For instance, if your middle name or initial appears on your old account, you may run into delays if you forget to include it. When transferring only some of the securities in your account, carefully list the securities you want to transfer on the form.

The easiest way to transfer your account is to keep the type of accounts the same (joint account transfers to joint account; IRA to IRA) and account owner the same. You can change account type or ownership at the time of the transfer, but this may delay the transfer. You may need to provide documents proving changes to ownership, such as a marriage certificate, divorce decree, or death certificate.

If you have questions about how to complete the form, contact the new firm for help. Once completed, keep a copy of the form for your records.

Understand the Transfer Process
All transfers start and end with your new firm, but your old firm needs to take action too.

Electronic Transfers
Most account transfers between brokerage firms are made using the Automated Customer Account Transfer Service (or "ACATS") system. The National Securities Clearing Corporation operates ACATS, and both the New York Stock Exchange and the National Association of Securities Dealers, Inc. require their member firms to use ACATS.

These rules require firms to complete various stages of the transfer process within a limited period of time. If the transfer is made through ACATS, and there are no problems, the transfer should take no more than six business days to complete from the time your new firm enters your form into ACATS.

During this time, your old firm compares the information you provided on the transfer form with its information. If the information matches, your old and new firms review the transferable assets. If the transfer includes a margin account, the new firm also examines the account to see whether the account meets the firm's margin standards. Firms may have different margin standards about how much they will lend you to trade. While the transfer is in progress, your account may be "frozen" for part of the time. If this occurs, you may be unable to trade. Check with both your old and new firms if you want to trade during the transfer process.

Under the "ACATS for Banks" program initiated by DTCC in February 1999, banks may voluntarily participate in ACATS. If a bank participates in the program, then a transfer from the participating bank to a brokerage firm or vice a versa should occur in the standard ACATS time frame of six business days. If you are transferring your account to or from a bank you should ask whether the bank participates in the "ACATS for Banks" program.

Be aware that delays may occur when you transfer a retirement account. Because retirement accounts require a financial institution, such as a bank, to act as the custodian or holder of the account, you must have a custodial arrangement in place at your new financial institution before the transfer can occur. A delay may happen if you have not paid the maintenance fee to the old custodian or the new custodian does not allow a security in the retirement account to be transferred. Once everything is in place, the transfer can be made through ACATS.

Manual Transfers
Sometimes, a transfer is made manually. This occurs when your assets are with a bank, mutual fund, credit union, insurance company, or limited partnership that does not participate in ACATS. This also may occur if you request a liquidation of assets other than the standard money market fund in your account. There are no set time frames for completing a manual transfer with these financial institutions. For that reason - and the potential risk of market volatility should there be any delay - you may not want to liquidate any assets via instructions on the transfer form.

A manual transfer may also occur when you request a partial transfer of your account between brokerage firms. The rules of the NYSE and FINRA require firms to expedite or complete these requests in a reasonable amount of time, but firms have the option to make these transfers electronically through ACATS. If you are making a partial transfer, tell the new firm you would like the transfer to go through ACATS.

Monitor Your Transfer
Since both the old and new firms must act to complete the transfer, stay in touch with both of them. Make sure the new firm has received your transfer form. If you sent the form to a branch office, it may take a few days before it is received at the firm's headquarters for processing.

You may also want to ask the old firm whether it has received the transfer request. If the transfer goes through ACATS, the old firm has three business days from the time it receives the transfer form to decide if it is going to complete or reject the transfer. If the assets in an account can be transferred through ACATS, a firm can reject a transfer request only if the form has been completed incorrectly or there is a question about the ownership of the account or the number of shares. Ask the firm whether it will transfer your account or if there is a problem with your instructions. If there is a problem, ask for an explanation and how to correct it.

If the old firm takes no action on the request or a problem is not resolved within six business days, the transfer request is purged (or deleted) from ACATS. If that happens, the new firm must start over by again inputting the transfer request into ACATS.

Know Which Securities May Not Transfer
Some types of securities may not be transferred. These securities include:
-securities sold exclusively by your old firm;
-mutual funds or money market funds not available at the new firm;
-limited partnerships that are private placements;
-annuities; or
-bankrupt securities.

If your request includes some of these non-transferable securities, it may take longer to complete a transfer. Your old firm is required to transfer whatever securities or assets it can through ACATS and ask you what you want to do with the others. You generally have two choices: either sell the non-transferable security and transfer the cash, or leave the security with your old firm. Sometimes, you may be able to take possession of the security itself. Taking possession of a security may pose risks, such as the security could be stolen. Also, it may not be advisable for retirement plans.

Keep These Final Thoughts in Mind
Your old firm may charge you a fee for the transfer to cover administrative costs. Sometimes, the new firm will also charge a fee. These fees are typically spelled out in your account agreements with the firms.

Expect delays in receiving dividends, interest, and proceeds from sales of securities. They often arrive at your old firm after the transfer has taken place. Your old firm is required to transfer them to you at your new firm — within ten business days of receipts — for at least six months after the account transfer is completed.

If you feel like your account has not been transferred in a timely fashion, ask to speak to the compliance director at your old or new firm. If you are not satisfied, contact the New York Stock Exchange or the FINRA, depending on where your brokerage firm is a member.


Finally, Ask Questions! A simple error could significantly delay the transfer. Be certain your old and new firms have the information they need to make the transfer happen in a timely fashion.