Archive for July, 2012|Monthly archive page

Texas Lending ( Home Equity Loans

In Finance, Real Estate on July 18, 2012 at 1:25 pm
Texas Lending

Texas Lending

Texas Lending ( has spent more than a decade in the Dallas-Fort Worth area, building a reputation for providing quality, one-on-one service to homeowners. Each step of the process in securing a home loan through Texas Lending is made easier by the company’s focus on convenience. Texas Lending recently spoke with Presentation Solutions about a topic of concern to many consumers in today’s economy: home equity loans.

Presentation Solutions: Dallas-Fort Worth offers many solutions when it comes to home equity loans. What sets Texas Lending apart from all the others?

Texas Lending: We give each client a completely customized experience, from start to finish. Securing a home equity loan can be a complicated, overwhelming process and we’ve found that by breaking it down for our clients, we make it better for everyone involved. We’ve even taken some of the strain out of all the closing paperwork.

Presentation Solutions: Closing paperwork is definitely complicated. How does Texas Lending help with that?

Texas Lending: We’re one of the first mortgage lenders in the Dallas-Fort Worth area to offer e-signature capabilities. No more signing your name a thousand times in a row.

Presentation Solutions: I’m sure that’s a relief for your clients! Is Texas Lending seeing an increase in home equity loans due to the economy?

Texas Lending: Yes. The number of clients coming in for home equity loans, as opposed to traditional mortgage loans, has seen a marked increase. We’ve found that many homeowners are opting for major home renovations in lieu of moving, since many homes have not increased in value in recent years.

Presentation Solutions: What types of home loans are available to homeowners who visit Texas Lending?

Texas Lending: For those who qualify, we offer fixed term loans, as well as variable term loans.

Presentation Solutions: What will a homeowner need to qualify for a home equity loan?

Texas Lending: Several factors are taken into consideration starting with a good credit history  and your loan-to-value ratio. There are also closing costs associated with most home equity loans.

Presentation Solutions: How will a homeowner know which type of home equity loan is best?

Texas Lending: Since each person’s situation is different, we sit down with each customer and review his or her individual needs. In some cases, a home equity loan may not be advisable at all.

Presentation Solutions: What about balloon payments?

Texas Lending: With a balloon payment, the homeowner pays only the interest for the term of the loan, but at the end of the loan, the full amount comes due. Often the homeowner refinances at that point. We make sure our clients know the full terms of a balloon loan before making that choice.

For more information, visit Texas Lending online at
4100 Alpha Rd. Suite 400
Dallas, TX 75244
NMLS# 137773

Riding the Wind with Dan Sciscente

In Automotive, Information, Outdoor Adventures on July 17, 2012 at 2:19 pm
Dan Sciscente

Dan Sciscente

Most people are surprised to learn that Dan Sciscente, a widely respected Information Technology entrepreneur and co-founder of the leading SAP interface software firm Communi-T, is also an avid motorcyclist.  Today, we learn that there are many undiscovered roads on the eastern seaboard that can easily feed any motorcyclist’s appetite..

Presentation Solutions: Dan, thank you for speaking with us today. It’s always a pleasure chatting with you.

Dan Sciscente: No problem.

Presentation Solutions: So, can you tell us a little bit about what an American biker should know before crossing the border.

Dan Sciscente: There are a few things to remember. First, the Canadian roads are often quite rural, being big and vast, as they are beautiful. Make sure to have a cell phone, a first aid kit, road flares, and water with you­–just in case you get lost or hurt.

Presentation Solutions: That’s good pragmatic advice, but let’s talk about the fun part: riding.

Dan Sciscente: The beauty about riding on the eastern part of Canada – Quebec, New Brunswick and the maritimes is that it provides some of the most beautiful scenery in the world. The roads are long and winding, traffic lights are few and far in between, and wildlife just kind of wanders around.

Presentation Solutions: That sounds fantastic. What’s the catch?

Dan Sciscente: Well, it’s not so much a catch but there are parts of the road that may not have been kept up as much as a motorcyclist would like. Getting on some motorcycle forums and discussing with others that share the same interest will provide you with a well of information. Also, it’s advisable to lookup provincial sites in order to get the latest on detours and construction.

Presentation Solutions: What about sharing the road with vacationers?

Dan Sciscente: It’s not as populated as you’d think. If it is, they are all sitting still at one of the out of the way resorts scattered throughout the area. But just as you feel you’ve been travelling solo for a while, a motorcycling peer appears out of nowhere and gives you a traditional wave of a hand saluting you.

Presentation Solutions: Is there a best time of year to hit the roads?

Dan Sciscente: Early summer or early fall, the weather is nice and there are even fewer vehicles on the road. You can zoom around for hours and count on one hand the number of cars that pass you.

Presentation Solutions: There are a few ferries, from what we’ve heard. How much are they to cross?

Dan Sciscente: The ferries are free but it’s a good idea to keep some Canadian currency on hand for toll highways. Travelling into Prince Edward Island on the great bridge is quite an experience as you are surrounded by the ocean on both sides.

Presentation Solutions: What’s this about wildlife? What kinds of animals can you see in their natural habitat here?

Dan Sciscente: What can’t you see? The main animals to watch are moose on the road as they can be crossing and don’t really have a knack for checking for traffic. If you hit a moose at regular speed, it can cost your life as it’s like hitting a wall at 100km / hour.. You can also see mountain goats, elk, and deer.

Presentation Solutions: Coming from the US, we are used to measuring distance in miles. Canada uses Kilometers. What’s the difference?

Dan Sciscente: A kilometer is .62 of a mile. So, basically, if you see a sign that says 50 kilometers to the next fuel station, it’s 31 miles.

Presentation Solutions: We are out of time but do you have any last tips you’d like to add?

Dan Sciscente: Mostly just to remember to get your documents in order. You won’t need a visa but your bike’s registration and your driver’s license have to match. Also, the temperature can change drastically in a 24-hour period so, pack accordingly. And again, road construction advisories, forums and travel info make your trip well prepared!

About Dan Sciscente: Dan has always enjoyed the thrill of Motorcycles and riding on demanding tracks and roads. Traditionally called “iron-bots”, Dan enjoys getting together with a group of fellow motorcycle riders and travelling close to 1,000KM in a single day – leaving for close to 12 hours. These iron-bots are made for true riders and typically happen by organizing a well-chosen itinerary focusing on road challenges, scenery and duration.

Dan tends to favor both BMW Motorrad bikes as well as Ducati.

FXDD Mobile Apps for the Mobile Trader

In Finance, Information on July 13, 2012 at 8:04 pm


While the desktop remains the dominant platform for trading, there are now more than 106 million smartphone owners in the U.S., leading to an app market that is growing at an incredible pace. Reports suggest that more than 10 billion apps had been downloaded by 2010 and that number is expected to approach 80 billion by 2014.

FXDD recognized early on that this anywhere-anytime consumer trend was perfectly aligned with Forex markets and offer the ability to trade virtually anywhere at almost any time. FXDD has a line of mobile applications designed for today’s mobile trader that include the FXDD iTrader, Currenex iPROTrader, FXDD MT4 droidTrader, FXDD JForex for iPhone and FXDD JForex for iPad.

At FXDD, we know that our clients rely largely on the desktop computer for most trades. We also realize that the nature of Forex trading lends itself to the mobile environment. To that end, FXDD has developed a full line of mobile apps to compliment our PC-based tools. With these, we provide the comfort of consistent and constant liquidity, access to information and the flexibility to trade around the clock, whether you’re sitting on the beach in Fiji, or at your desk in the office.

Whether you are already trading with FXDD, or you are a prospective client, FXDD iTrader powered by Forex On The Go, can provide you with free mobile MT4 trading on your iPhone. With FXDD’s mobile apps, you have access to real-time pricing, charts and trading. Access your FXDD account from the time trading begins on Sunday evening in the Eastern Time Zone all the way through 4 p.m. EST on Friday when the trading week wraps.

If you are a PowerTrader and/or VikingTrader client, you can use FXDD iPROTrader with your existing trading accounts to view open positions or enter new ones all while on-the-go. FXDD iPROTrader gives you the anytime-anywhere flexibility to place limit and stop orders, to create a new order or even cancel out existing positions. You can also project open positions right from your smartphone.

No iPhone? No worries. FXDD MT4 droidTrader, powered by Forex On The Go Technology, puts free mobile MT4 trading into your hands right from your Android device. This service is available to new and existing FXDD clients. The same FXDD trading account information available to your iPhone is now available on your Android phone with real time pricing, charts, and trading. FXDD customers can access their FXDD accounts virtually any time or anywhere they’re connected.

The FXDD JForex iPhone app offers one of the most innovative Forex trading platforms on the market and includes live, secure connectivity with the server and the industry’s lowest FX spreads.

With this application, traders have on-the-go access to the industry’s best FX tools, including trading reports, live charts with technical analysis, market news and economic calendars. Forex TV is included, providing FXDD clients with commentary from Forex movers & shakers and pivot point levels.

For FXDD clients who want a Forex application that takes advantage of the additional real estate that the iPad offers, try the FXDD JForex for iPad app. With all of the same great features of the FXDD JForex for iPhone but with more information on the screen at one time, this app is for you.

There are many advantages to mobile trading, though there are limitations and FXDD is the first to say that it may not be for everyone. FXDD has gone to great lengths to provide access to the best apps the industry has to offer. That said, we realize that some clients find the trading software for mobile phones doesn’t provide the stability and functionality that they’re accustomed to from the platforms they use with their PCs. Most agree that the FXDD mobile apps we described above are extremely convenient for analyzing the market and practicing on demo accounts.

Some FXDD clients rave about the convenience of making trades no matter where they are and others prefer a more traditional approach of making trades from their desktop. Whichever your preference, FXDD has the tools you need to trade Forex.

God’s Luv International Ministries Church: The Dimension of Power

In Information, Personal on July 12, 2012 at 5:56 am
God's Luv International Ministries Church

God’s Luv International Ministries Church

God’s Luv International Ministries Church is a successful ministry in Reston, Virginia, where two weekly services attract worshippers who share in Pastor Pierre Bennett’s commitment to helping followers of God’s Word throughout the world. Dr. Bennett founded God’s Luv International Ministries Church in response to a vision he received while in church on Easter Sunday.

Today, the leader of God’s Luv International Ministries Church talks to Presentation Solutions about the importance of making mistakes in order to learn from them and become a better person.

Presentation Solutions: One of your more recent sermons centered on Proverbs 12:1. Could you describe what it was in that particular section of Proverbs that spoke to you?

Dr. Pierre Bennett: I chose Proverbs 12:1 because, as I told my God’s Luv International Ministries Church congregation, this scripture states that he who loves instruction loves knowledge, while he who hates correction is stupid. I wanted the God’s Luv International Ministries Church members to understand that it is through our mistakes—through being corrected on our mistakes—that we truly gain wisdom.

Presentation Solutions:  Many people believe that simply doing what God wants them to do will bring them unlimited blessings, but as you emphasize, that isn’t the case.

Dr. Pierre Bennett: Both at God’s Luv International Ministries Church, as well as my work throughout the world, I regularly meet people who ask why God is so concerned about us being pure of heart. To the brothers and sisters at God’s Luv International Ministries Church as well as others who ask, I always emphasize that God wants us to operate on three dimensions.

Presentation Solutions: What happens when someone flows in all three dimensions?

Dr. Pierre Bennett: As my God’s Luv International Ministries Church congregation has found, once you’ve achieved all three dimensions, you have unlimited power.

Presentation Solutions: You also teach about how someone can come back from a difficult life where maybe they’ve made some mistakes.

Dr. Pierre Bennett: This is so true. I know people at God’s Luv International Ministries Church who come from varying backgrounds. Some of our God’s Luv International Ministries Church members were saved at a very young age and followed God all their lives. Some came to Him later, after a lifetime of feeling like something was missing. And many of God’s Luv International Ministries Church’s members came to faith out of a deep need for salvation.

Presentation Solutions:  This is the correction mentioned in Psalms?

Dr. Pierre Bennett: Yes, many of those who attend God’s Luv International Ministries Church have listened to the correction that came our way over the years and changed our ways. While it’s a blessing to have been in church from a very young age, God’s Luv International Ministries Church recognizes this isn’t the case for everyone and honors that.

Presentation Solutions: Have you found those who come to God later in life are more fervent in their faith?

Dr. Pierre Bennett: It’s puzzling to me, but I have found that. God’s Luv International Ministries Church welcomes everyone. Whether they are new to faith or have been sitting in the second or third pew their entire lives; they’ll feel at home at God’s Luv International Ministries Church. I have found, though, that those who come to their faith at a later point in life seem to have more of a fire in them. It seems like so many of them want it so badly; they go after it with a passion.

For more information about God’s Luv International Ministries Church, please call (703) 395-1430.

Best Ways to Keep Pets Safe During the Summer

In Health and Beauty, Pets on July 9, 2012 at 11:06 am

Last summer was hot, but this summer temperatures have been even higher. As difficult as hot weather can be on a person, it can be equally challenging – if not worse – for pets. Here are some tips about how to keep your pets safe and happy when the temperature soars.

How do pets react in hot and humid conditions?

Panting is one way that dogs (and cats too) will often cool themselves. Also, they will “sweat” from the pads of their feet.

How can a person know if it is “too hot” for their pet?

Pet owners should pay careful attention to how their pet breathes when resting, as compared to light activity or heavy exercise. That way they will be more aware of signs when a pet gets too hot. For instance, if a pet is panting hard when laying inert on the floor, breathing with its mouth open, seeming listless, or suffering from a lack of appetite or diarrhea – these are clinical signs of when a pet is too hot. If your pet is suffering from those symptoms do not encourage them to do any vigorous exercise – it could be dangerous.

Are there some things that pet owners should never do when it’s hot?

Absolutely. It’s imperative that pet owners never leave their pet in the car on a warm or hot day, even with the windows down. And pet owners need to recalculate their idea of what “warm or hot” is. Sixty degrees might not feel that warm to a person who’s in and out of the car, but to a pet that’s stuck in that car in the sun it can quickly escalate from an uncomfortable temperature to a potentially fatal one.

Are there certain things that pet owners can do to help their pets in hot weather?

Yes, definitely. The first thing to realize is that pets need a lot of water all the time, but especially when temperatures spike. So, try to keep cool fresh water available to pets and if you are away from home during the day you might even consider getting a pet fountain that keeps a stream of cool water running into a bowl. They start at around fifty dollars, but they provide peace of mind during heat waves when your pet is home alone. Also, make sure that pets have access to shade or shelter and ensure that they aren’t kept in a confined area on a hot or humid day.