The History Of Skateboarding

Some years ago, London`s South Bank, home of the National Theatre and the Royal Festival Hall, was the centre for a sport. The sport was skateboarding, which became extremely popular with Britain`s teenagers.

Skateboarding first started in America in the 1960s. It was invented by surfers who wanted a way to practice their sport without going into the sea. They found that by attaching roller-skate wheels to small surfboards they could practice almost the same movements they had to make while surfing. All they needed was a sloping pavement or road where they could ride their skateboards. So, it wasn`t surprising that this new sport was nicknamed “sidewalk surfing”.

Skateboarding quickly became very popular, even with people who had never been surfing. It was especially attractive to young people, partly because the boards were cheap to buy or make, and partly because they could practice it anywhere in the city. It was also a fast and exciting way to spend their spare time.

Unfortunately, skateboarders soon found that the ordinary rubber roller-skate wheels were not strong enough for skateboarding. But in early 1970s, a young American science student produced a type of plastic wheel which was ideal for skateboard. The new wheels were light, flexible and long-lasting. Soon, skateboarding returned to the streets of America, and it became more popular than ever before. Special concrete areas called “skateparks” were built where the skateboarders could practice their tricks away from the dangers of traffic.

Skateboarding then spread to Britain and by early 1977 hundreds of teenagers could be seen riding their boards around London. Hundreds became thousands, and the demand grew for American-style skate parks. Skateboarders gathered at the South Bank where the vast areas provided ideal opportunities for them to demonstrate their skills.

Favourite skateboard tricks include “kick-turns” (turning the board round quickly), “hanging tens” (riding the board with the toes hanging over the front) and “wheelies” (riding on one set of wheels only). The more experienced and adventurous skaters ride their boards up and around curved banks, rather like the wall-of-death riders in a circus.

Because of the danger of falling on hard surfaces, skateboarders usually wear protective clothing. Most of them wear padding on their knees and elbows as well as thick gloves and plastic crash helmets.

“Skate City’ is a proper place to practice the sport and skateboarders are developing new and better skills. Already some people are saying that skateboarding may become an Olympic sport. From being a substitute for surfing , skateboarding has come a long way in a short time!

How to Make The Successful Career in The Bookkeeping Profession?

Bookkeeping services became very popular and a necessity to any business. To get the expertise on this profession, one should master the bookkeeping service course and should opt some skills which are necessary for this course. This became very easy as there are many number of bookkeeping courses. As everyone know the rapid growth of the technology through the internet many people get an opportunity to learn the required skill which is necessary for his profession so search for the course to be taken to get expertise in the bookkeeping service on the internet.

And after research you can conclude that many online bookkeeping courses are available to the person who are interested to learn. The person who has the good knowledge on the mathematics can take up the courses like Diploma and certificate courses for the bookkeeping services on the internet. And this bookkeeping profession is suitable for the person who is a well-maintained and quick learner. By doing the above courses mentioned will help you to direct to the good career in the future. As many companies rely on the bookkeeping services to grow their business. Thus choosingthe accounting services career leads to a good career oriented future.

To get admission on the bookkeeping courses, there are some terms and conditions to get qualified for the courses. The student should have pass the high school education. They should have the computer knowledge as now days the data is maintained and saved in computer files rather than maintaining hard copies. The computer knowledge on a database and excel sheets is very must. The typing and the business based subjects like financial accounting is also needed for the future bookkeepers. Hence, by completing the above-mentioned services the people who are interested in the bookkeeping services can make their career in bookkeeping services.

What are involved in the bookkeeping courses? The bookkeeping courses are 2 types online bookkeeping courses and generally done bookkeeping courses. In the bookkeeping courses accounting, how to maintain records and to create financial statements are the basics which are studied by the students.

The online bookkeeping courses provide some practical classes by which they can get real time experience and which will be useful in the future when working in the company. Thus, the students get experience in such a way that they will be very much comfortable to work in the company and will be very good enough to work at any company and provide good results to the company, as they receive the best education from the courses. The study will be in such a way that they receive online classes from the well experienced and present working people in the big companies. The interaction will be in very good terms so students can clear any doubts.

The future prospects of these students who educated and received certificates from the diploma courses are very high. They can get many opportunities after completing the course. Hence, the startup career itself will be in the high positions. And very soon they can reach the management positions where the pay will be very high.

What are Deductibles in the Car Insurance Policy?

In India, there is a provision of compulsive insurance cover on the vehicle, which is why car buyers head to the insurance company soon after they purchase a car. However, they often get confused by the technical jargons and varied clauses that are typically involved with the car insurance policy. Seeking enlightenment and looking for ways to lower premiums is the only way to come out of this safe. Deductibles are other important factors that have to be taken special care of. You must enquire about the deductibles at the time of purchasing the policy. Given below is a small lowdown on the types of Motor Insurance Policies and deductibles applicable to each.

Types of car insurance policies

Third-party liability only policy: It is a mandatory policy that a car owner has to particularly purchase before plying vehicle on the road. This policy covers the damage caused to any third party and the premium is quite low too.
Comprehensive coverage policy: This policy can be voluntarily availed by the policyholder to get optimum coverage on his vehicle and provides all round protection whenever anything goes wrong. It covers for all the damage incurred on the vehicle in case of theft, robbery, fire and other third party damage. While the third-party liability only policy is compulsory to own, to purchase or not to purchase this policy is your choice.
What are the deductibles?

Deductibles are part of the claim that has to be paid by the policyholder before the insurance company pitches in and takes the responsibility of the remaining claim. Deductibles are of two types: Compulsory deductibles and voluntary deductibles.

The compulsory deductible amount is fixed by the insurer and it is obligatory by the policyholder to pay the deductibles whenever any claim arises. According to the IRDA, the amount of Compulsory Deductible varies from Rs.50 for two-wheelers to Rs.500 for four-wheelers. The insurance company may charge a higher deductible if the car is older and presents a larger risk of claim or for cars with higher cubic capacities or in other circumstances where the risk of a claim is perceived to be higher. You cannot lower the premiums for compulsory deductibles and premium is calculated taking into consideration other factors such as IDV, make, and model.
The voluntary deductible is the limit chosen by the policyholder to meet a part of the claim from his own pocket before raising it to the insurer. A number of deductibles here depend on the policyholder who chooses the limit factoring in his affordability and risk. Choosing a higher amount of Voluntary Deductible causes a lowering in premiums through discounts.
Deductibles are important in your car insurance policy and should be carefully planned to keep in mind the affordability in the case of voluntarily deductible clause because the discount in the premiums is not the only deciding factor. Also, you should make sure that the savings in premiums outweigh the out-of-pocket expenditure required at the time of claim.

So if you are a wary person with sufficient income, opt for a higher voluntary deductible instead. However, if you are someone with rash driving skills or with a lack of extra money at the time of claim, either avoid choosing voluntary deductibles or go for a very low amount.

Importance of Merchant Account to Accept Credit Card Payment

Merchant account is basically a financial arrangement with the card processor. It allows merchants to accept payments from debit or credit cards. In case of e-commerce websites, an internet merchant account enables merchants to run web-initiated transactions online. There are basically two types of merchant accounts- one used for transactions in brick and mortar stores in which credit card and cardholder are present physically and second in which neither card nor cardholder is present, typical in e-commerce.When you use a card for shopping, funds debited from your card go into the merchant account. From this account, the funds are transferred to the merchant’s normal business account on a daily or weekly basis. If you have been planning to start a business, you will need a merchant account in order to accept credit card payments online. For this, you will have to find a reputed merchant account provider or use the services of an aggregator such as PayPal to get transactions processed on behalf of your company through their merchant account. Whether you get into a merchant agreement directly with the acquiring bank or through an aggregator, you will be bound to obey operating regulations that have been established by the card associations.You will have to get into a legal agreement in order to get this account. There are terms and conditions involved and a contract needs to be signed. Make sure you read the merchant account agreement carefully before signing. Ask as many questions as you can because your choice of merchant account can impact your business to a great extent. When it comes to e-commerce, merchants need payment gateway in order to accept credit card payment. Gateway is mainly an e-commerce services through which payments are authorized for online retailers and e-businesses. It is like a POS (point-of-sale) terminal that is used for accepting card payments in brick and mortar stores. Some providers of merchant account have their own payment gateway; however, majority use a third party gateway. Payment gateways have two components- a virtual terminal that allows merchants to log in and key in credit card numbers and the e-commerce site’s shopping cart that is connected to the gateway. If you wish to accept credit card payment online, you need to have an online merchant account. Once customers make a payment from their credit card to buy something from your website, the payment will go straight in your merchant account. Since you will be getting a merchant ID and password for your account, you can be assured of secure access. Fees and rates for getting a merchant accountThere is a variety of fees charged by merchant accounts. Some fees are set by merchant account providers; however, majority of percentage fees and per-item fees is passed to the credit card issuing bank from the merchant account provider. You can get merchant accounts from processors or resellers. Resellers are mainly ISOs (independent sales organizations) such as banks or MSPs (merchant service providers).

Factors to Consider when you Transfer Money to China

With the advancement in technology, it has become easy to send money overseas. However, there are several factors that you need to consider when transferring money from country to another. For instance, it is necessary to monitor the fluctuations in currency exchange rates so that your loved ones get maximum of what you send. You also need to consider the transfer fee being charged by the bank or online money transfer agency. If the transfer fee is high, it will be expensive for you to send money on a monthly basis. It is necessary to make an informed decision so that you save time as well as money with international money transfer. • First factor to consider is the reliability of the remittance mode you have chosen. For instance, if you have chosen an online remittance agency to transfer money from Australia to China, you need to make sure that you have chosen a reputed agency. It should be licensed to carry out international money transfers or else you will be putting your money and bank details at risk. Don’t fall for too-good-to-believe claims made by agencies in the market. If it is not reliable and reputed, don’t choose them for money transfer• Second factor to consider is the rate and total expense of sending money abroad. You need to gather information on latest currency exchange rates and service charges. There are financial institutions that charge a flat rate for certain services; however, there are hidden costs associated with the currency conversion or the country you want to send the funds to. To get a good rate, you can take advantage of discounts available during certain festivals such as Christmas. During festival time, many agencies offer discounts and reduce their transfer fee. Some agencies offer a low transfer fee if you send large funds in a single transaction through them• Customer service quality is the third factor to be considered. Since you will be sending hard earned money back home for personal or business purposes, you should have help at hand in case there are delays or issues in receiving money. A reputed firm will have 24/7 customer support so that the customers can reach the agency or bank easily in case of any glitches like non-arrival of funds and delays• Another factor is convenience of the sender as well as the receiver. You need to choose the best option after taking different factors into account such as exchange rate, transfer fee, speed of remittance, medium of sending money (cheque or online) and convenience of receiving money (transfer to account directly, home delivery of money, cash pick-up)• It is recommended to plan your transactions ahead of time because last minutes decisions can cost you money. If you have to transfer money to China, you need to invest time in looking for a reputed mode of remittance, favorable transfer fee and competitive exchange rates for a hassle-free money transfer

How to deal with Auto Loan after Divorce?

Divorce is not only emotionally difficult for you but it is also difficult for your financial condition. How?

When a marriage ends, individuals split assets and go separate ways. But, what happens to liabilities such as an auto loan?

In an ideal world, both the individuals assume the responsibility of the debts they created and part ways. Unfortunately, the reality is different. So, take care of debts after a divorce.

The Legal Liability of an Auto Loan

Do not believe that just because the divorce agreement holds your former spouse responsible for the auto loan, he/she will make regular payments. It is plausible that he/she may not make payments.

You must remember that the divorce agreement is separate from your loan contract. Lenders do not give importance to the divorce agreement. Your former spouse may be responsible for the loan in the eyes of a court. But, if you applied for a joint auto loan, lenders will hold you accountable for the loan as well.

How to manage an Auto Loan after Divorce?

It is important to remember that your marriage may be history, but a loan will continue to affect your present and future. Here’s how you can manage your auto loan and save your credit score from plummeting.

1. Get rid of the Loan

After a divorce, the best way to manage an auto loan is to get rid of it. If your former spouse is responsible for making payments, the loan should be in his/her name only.

But, remember that no lender will remove your name from the loan contract because of your changed marital status. So, your former spouse will have to refinance the loan and complete the loan process individually.

2. Get rid of the Car

If you are worried about refinancing the loan, you can sell the car and pay off the lender. It is possible that an upside down loan situation may force you to pay money to the lender, but it is important to understand that a loss today is better than constant tension forever.

3. Make sure the Lender gets paid

If your former spouse is responsible for the loan and both of you decide against selling the car, you will have to make sure that he/she makes the payments regularly.

If your former spouse doesn’t make payments, contact your attorney. It is possible that you will have to make a couple of payments to avoid any negative impact on your credit score. So, keep aside a part of your income for it.

Taking care of your auto loan might be the last thing on your mind. But, it is important to understand that your marriage is over and not your auto loan. If you don’t manage it effectively, you may ruin your credit score forever.