Sunday, September 23, 2007 

Citation Machines

What are citation machines? As per definition, citation machines are web tools designed to assist teachers/ writers in modelling the proper use of information. It may look as a complete definition to the common reader but it actually does not say much. The first time someone mentioned citation machines phrase to me, I was stumped. And I am a regular user of the net, with a moderate knowledge of the Internet and surfing. So, in order to understand the term, citation machines better, I decided to dig a little deeper and see if I get more clarity on its definition and uses.

I found out that what makes the todays citation machines, was first the brainchild of David Warlick who designed this web tool in October 2000. It has been re-designed with a major facelift in January 2004. The main reason for which it was first brought into existence was to systematize the use of information, but it slowly turned a very useful tool to control plagiarism. It is nowadays used by writers specifically to prove that the material they have used is not plagiarised which is course is very tempting with the open use and access to the million of resources on the Internet.

It seems the citation machines are very easy to use and are a delight to the writer because of their versatility and fantastic knowledge resource base. It also makes one understand documentation process. In order to get the best from the citation machines, you have to choose carefully whether you are using print material or electronic material. IT usually guides you through a menu where you indicate your choices after which the citation machines give you the possible resources. You may use as many as you need.

You should be careful about while using the citation machines with regard to the accuracy with which you fill in the required blanks. If you leave too many without answer, the accuracy of the result from the citation machines will be very poor. Another important point to feed is which literary method of writing you are following, i.e. MLA (modern languages association) or the APA (American psychological association). When the citation machines throw up the results, if you have filled in the information correctly and as exhaustively as possible, you will need very little formatting.

It if very difficult to really format the results afterwards, so it is a good thing if you review the information entered before you enter the search. Show My Citations button will help you check and verify your results with your work. It is important here to note that once a citation is submitted and it cannot be changed.

Remember to save your work in word file after checking out the citations thrown up by the citation machines.

The citation machines are extremely useful when one needs to submit a professionally written article, or report. It is fast, convenient and very exhaustive in its resources. As I mentioned earlier, today it is also used as an anti-plagiarism tool as it indicates the sources used for any information given, in any article.

Peter Vermeeren is the owner and webmaster of: Machines and Tools - Airsoft GOT | Tactical Gear - Kamikaze Martial Arts.

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Structured Settlements: How You Sell Samuel Towers

Selling A Structured Settlement
As we have seen in other articles in this series, a structured settlement could turn out to be inadequate to meet your financial needs. The question of selling the settlement comes up in this context.

You have heard that people do cash out settlements. However, the wording in your settlement agreement might give a different impression. The restrictive wording would seem to prohibit any transfer of the settlement.

All this could lead to confusion, at a time when you are in urgent need of lump sum cash. In this article, we seek to remove the confusion and explain the process of cashing out your structured settlement.

You Are Not Selling the Settlement
The settlement was an agreement between you and insurance company (or other party). It is typically executed to settle a claim you made. If the insurance company settled the claim by purchasing an annuity in your favor, the annuity itself belongs to the company. You cannot sell it. On the other hand, the settlement confers a right on you, the right to receive a future stream of payments. This right to receive payments is your asset. Like any other asset, you do have a right to sell this asset.

How Do You Sell A Structured Settlement
While you are entitled to sell your right to receive future payments, the law makes selling structured settlements somewhat difficult. Such settlements and annuities are considered better for the financial security of most persons. Hence the law encourages such settlements and discourages their sale for lump sum cash.

In such a situation, you proceed as follows:

Consider what you want to use the lump sum cash for. You would have to explain how a lump sum of cash serves your interests better than a stream of payments extending over years.

Locate a buyer that specializes in buying structured settlements. Business firms known as structured settlement factors do this. We look at the qualifications of a good buyer at the end of this article.

Get a quote from the buyer for buying out your settlement payments. Buyers typically discount the future payments to a "present value" and give their quote based on this value.

If you accept the quote, ask the buyer for a pro-forma contract, showing the terms under which they would buy your payments. Review it with your attorney.

Return the accepted pro-forma to the buyer. Reputed factoring firms would then check that the whole transaction is likely to be approved by the court and that all legal requirements have been met.

The firm would then file an application in a court to get an appointment to review the transaction.

On the date fixed by the court, you will appear before the judge and answer questions on why you want to sell the settlement. Other interested parties might also put questions to you. Explain to them how your interests are better served with a lump sum of cash.

If you deal with an experienced and competent factoring firm, the settlement sale would most likely be approved.

The factoring firm pays you the agreed sum within a few days of receiving the court order. Selecting A Structured Settlement Factoring Company

Ensure that the buyer of your payments is:

  • Financially sound and able to meet their payment obligations

  • Experienced in the field and could attend to all legal formalities.

  • Deals up front with you and do not seem likely to cheat you with too small a lump sum or in other ways.

  • By now you would have a good idea of how to proceed for cashing out your structured settlement. Go ahead carefully.

    Samuel Towers writes on financial issues. The above article is one of a series he has written after researching the currently popular method of structured settlement of claims. He recommends http://www.structuredsettlements.bz as a dependable buyer of structured settlements.

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    Hotel Manchester Renaissance - Keeping the Elizabethan Era Alive

    The words rang out loud and clear. "The queen is coming! The Queen is coming!" The crowd fell silent as they saw the queen. Her clothing was simply magnificent: a gorgeous flowing gown of satin of the latest fashion. Beads, pearls, and priceless gems had been added to the dress, making it look absolutely breathtaking. Then, a man in the crowd noticed that the queen was nearing a huge mud puddle! The queen had not noticed it, and continued to walk closer...and closer to the dirt and water mixture. The man quickly removed his cloak, ran towards the queen, and spread the clothing over the muddle. Who is this man? Legend has it his name is Sir Walter Raleigh. The story of Sir Walter Raleigh's gallantry has become a legend, but no solid historical evidence exists to prove it ever happened! However, Elizabeth I certainly ruled England during the 16th and the 17th centuries, and the Hotel Manchester Renaissance pays tribute to her era.

    Elizabeth's Era
    Elizabeth I was arguably the most famous woman during England's Renaissance period. In fact, the period is often referred to as the "Elizabethan era." During her reign, she successfully defeated the armadas of Spain. She also encouraged literature to flourish and nurture the likes of William Shakespeare. In addition, many other areas such as science, architecture, and exploration experienced much progress. In fact, the U.S. state of Virginia was named after Elizabeth I, who was referred to as the "Virgin Queen." More recently, the film "Shakespeare in Love" featured Elizabeth I, while "Elizabeth" was exclusively dedicated to her life. Queen Elizabeth is also present in video games, such as "Age of Empires III," which, if she were living today, she might have played or endorsed. If you visit Manchester today, staying in the Hotel Manchester Renaissance will allow you to observe firsthand Elizabeth I's influence on British society.

    Live History
    Though Elizabeth I passed away over four hundred years ago, the influence on her nation and the world can still be witnessed today. In addition, Manchester contains several tourist attractions that preserve the spirit of the past.

    * The Beeston Castle was built in the 13th century after an Earl of Chester returned from the Crusades.

    * Manchester Town Hall, a huge Victorian Gothic-inspired hall, is located in the center of Albert Square.

    * The Peel Towers are ancient structures that were built along the borders of England and Scotland.

    * The Manchester Art Gallery is the city's premiere gallery, with several works from the distant past.

    * Tatton Park includes a house built in the late 18th century, and land that was used to train paratroopers during World War II.

    * Manchester Cathedral, with parts constructed from the 1400s, is located in the center of Manchester city.

    * The Nether Alderley Mill is a 1400s watermill that was used until the 1930s.

    Although younger than other locations, the Hotel Manchester Renaissance provides outstanding old-fashioned customer service.

    A Hotel and History
    Located in scenic Manchester, the Hotel Manchester Renaissance overlooks locations that remind one of times long past, including the Elizabethan era. It also offers traditional amenities that one cannot live without. The Hotel Manchester Renaissance also boasts of being close to locations for entertainment, such as restaurants, nightclubs, bars, theaters, and shopping centers.

    Queen Elizabeth I is one ruler who greatly shaped the past and present of England. Staying at the Hotel Manchester Renaissance helps keep the spirit of her glorious reign alive.

    Stay at the Hotel Manchester Renaissance! Discover the best guest houses around UK, such as Gatwick guest houses, when you visit our site today.

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    Replacement Windows and Double Glazing - Essential Buyers Tips

    Welcome to my essential tips for replacemnent windows and double glazing buyers. Apart from the first tip (which I consider most important) the tips are not in any particular order. We hope they will assist you in coming to the correct buying decision. Please note a lot of these tips can be equally applied to selecting any contractor.

    Replacing windows on your property can change the visual appearance of your home considerably. You should choose a style that matches your property and enhances its looks. This is particularly important with Vinyl / PVCu and Aluminium designs when they are fitted to older properties. Its a good idea to look at properties similar to yours in the area and compare the effect of various replacement window types. It is also a good idea to make sure you have adequate numbers of opening windows. Its been known for some salespeople to promote designs with very few openings and of a very simple nature. The simpler the design and the fewer the openings the cheaper the window. Whilst you may end up with a price you like its more likely you will regret this option in the end especially as badly designed windows can turn out to be a very bad investment and even lower the value of a property. We have known of buyers of properties negotiating a reduced price for a property just because of this. Whats even sadder is that the seller had only replaced these windows a few years earlier.

    Always ask your supplier how long the delivery will be. Its also a good idea to have this stipulated on your contract. Additionally ask for an estimate of how long the work will take to complete once they are on site.

    One major problem with the window, siding and roofing business is that anyone with a pickup truck and a ladder can easily call themselves a contractor. Many do not even bother to get a proper license. (Incidentally a licence can easily be obtained by filling out a simple application form and payment of less than $200.00 per year). These contractors are not required to have an office, they can work out of their basement, back yard or just out of their pickup truck. Its easy to get into the business and its even easier to get out of the business. For this reason in particular we only recommend you deal with established contractors who have a supporting infrastructure.

    Ask your contractor / supplier for a written lien waiver. Employees, subcontractors, and suppliers have the right in most jurisdictions to file mechanics liens against your property if the contractor does not pay them. Even though you may have paid your contractor for those materials or work, if he doesn't meet his financial obligations, the workmen or suppliers can look to you for payment. After you pay the contractor, make sure to get copies of lien waivers to protect yourself from having to pay for the job twice.

    Most window replacement projects do not require permits. However, in the instance of enlarging an opening and installing a new header permits are required. Another area to watch is if a bedroom window has a change of style, the building department will require the new style to conform to the egress code. Many contractors will arrange permits at an additional cost - since it consumes more of their time. Some will simply ask you to pay for permits, which they will arrange for on your behalf.

    If permits are required for your work then make sure your contractor pulls the required building permits. This way you will know things will be done to "code". Note: many homeowners insurance policies require pulling a permit on any major remodelling to keep your home properly covered. Some contractors prefer not to pull permits because of the time involved and the "hassle" with the inspectors. Some contractors may even ask you to get the permits. This could be a warning sign that they are not able to pull the permits because they are unlicensed, or the work is outside of their license."

    How do you handle job debris? Nothing can be more frustrating than a contractor that has no respect for your property. Make sure that the final price includes removal of all job debris from your property and full clean up. A clean work site is fundamental to a smooth remodelling project. Your contractor should clean up any debris at the end of each day, keep his tools neatly stowed, and neatly stack any excess materials.

    Fitting insulated (double-glazed - two panes of glass instead of one) replacement windows will provide some sound insulation. However, if your primary motivation for fitting double-glazing is to reduce sound then secondary glazing where you fit a new single glazed frame in front of the existing (prime) window frame will be better. The greater the "air gap" the better the sound insulation. For an insulated replacement window we suggest you consider windows with a 7/8" air gap. Beware - there are some windows on the market with air gaps as little as 3/8".

    Some industry professionals offer a guarantee of fuel savings on certain windows with added benefits. These cost a little more but offer a good long-term return on the additional investment.

    If you chose Vinyl for your replacement windows make sure to use 100% virgin vinyl, as opposed to reprocessed or recycled vinyl (regrind) extruded from a variety of used vinyl products. Regrind will be cheaper but will not have the same colour fast guarantees etc.

    Dont accept the first price you are quoted. Get at least two three estimates if you have the time. Research all of the alternatives in terms of product and style.

    Where practical try to visit a showroom or view other work carried out by the contractor. Alternatively ask to speak to other customers on the telephone. Do bear in mind however that the company is going to give a reference that will be complimentary. Try and ask specific questions such as Did they turn up on time? Was any thing missing and how quickly was this rectified? Did they leave the site clean and tidy? Dont always expect perfect answers in fact be suspicious if they are. Any type of building work or remodelling can have its problems or unforeseen challenges. The point is how quickly was it sorted and was it to your satisfaction. Its often been said that the true test of a company is when there are problems not when everything goes perfectly.

    Most companies will require a deposit with order. Try and make the deposit as low a percentage as possible generally speaking 10% is normal. Avoid paying larger deposits than this unless your work is particularly unique / bespoke such as one off timber window designs. Its likely in these circumstances that suppliers will require higher holding deposits. You should also make sure that a fair percentage is withheld until such times as the work is completed to your entire satisfaction.

    Check out the Guarantee and what it covers. Its always best to ask a potential supplier to be specific (in writing) about these issues.

    Always enquire about the type of locks and security features being fitted. Most modern insulated replacement windows feature security locks and often for a little extra you can have even better security.

    With PVCU (Vinyl) windows in particular you will often hear a lot of arguments in favour of using an internally beaded window instead of an externally beaded window. Clearly if the beads holding in the glass are on the inside of the window it will be more difficult for a burglar to remove the glass and enter your home. Do note however that some suppliers of externally beaded windows will fit special glazing gaskets and double-sided tape to the frame and sealed unit in order to improve on the security and some even claim security as good as internal beading.

    Rarely will the cheapest price be the best for you in the long run. When comparing like with like please also take into comparison how long the company has been established and the quality of their guarantees.

    Ask your supplier if you will be responsible for making good around the new frames when they are fitted. Most suppliers will include this as part of their work but you should check.

    Whilst PVCu/Vinyl and Aluminium frames are virtually maintenance free please note that the hinges and mechanical parts such as locks will need regular lubrication etc. The frames will also benefit from an occasional wipe down. Special Vinyl frame cleaners are available.

    For timber frames you will need to paint every 3-5 years or, if you are using hardwood, oil or varnish as appropriate. I recommend an annual spring clean for all windows and doors no matter whether they are PVCU/Vinyl, Aluminium or Hardwood.

    My final tip in this section and perhaps one of the most important. Do not be the Customer from Hell. To get the best out of any Replacement Window Supplier or Contractor maintain a friendly but professional rapport. Do not assume that they will always be trying to get "one over" on you. Their advice may be in your best interests. If you appear defensive and untrusting - always assuming the worst of your supplier - the whole experience will be unpleasant for both you and the supplier. Be vigilant - but always prepared to listen to their advice - especially if problems occur.

    Whilst most trades will come prepared with their own food and drinks - do take the time to offer them hospitality. A cold drink on a warm summer day or hot soup in the winter will build on your relationship - resulting in a better job for you.

    Barry Dunlop is the Founder of WindowsToday.co.uk - a top online resource for buyers of replacement windows, double glazing, doors, porches, conservatories and secondary glazing. Find out more at http://www.windowstoday.co.uk

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