Performing a Public Records Search For Ohio

With one of the largest universities in the world and an incredible amount of diversity, Ohio is a wonderful place to live and a great place to request vital records. The founding fathers here understand how important it is to keep government open and honest and the laws on the books here are aimed at keeping things that way. According to state law, records requests have to be filled in a reasonable period of time and the requesting party can determine the medium in which records are delivered.

There is also strict word in the law that helps to keep costs down so that everyone can request copies of vital records. According to the state website, vital records cost $ 16.50 per copy and can be sent anywhere in the United States. All records requests in the state of Ohio go through the capital in Columbus. Corporate trademark records, sales tax records, hunting and fishing license records and more are all located in the state capital, which is also the location for Ohio State University.

Currently, there is no state-managed online database governing vital records in Ohio. Much has been made recently in the state media about the creation of such a database since other states have had them up and running for years. With Ohio's population of over 11 and a half million people, it is understandable why such a database has not been put online, but once it is, ordering records from the Buckeye State will be easier than ever.

You can still retrieve a record online from the state of Ohio when you use Records Project. Tap into the most powerful public records database on the Internet when you use the Records Project to locate and order the public records you need. Do not go another day without the records you need to make your life complete; order today

Play Games at My Wedding Reception?

You can add spice to your wedding reception and have great fun doing it by playing games! Of course, you’ll still have that first dance with your new spouse to the tune from when you first met. And, you’ll still get to eat from each other’s fork when you cut-the-cake.

While the bride may play games at her bridal shower with the other “girls”, games are not reserved for showers only. You can use games to encourage conversation among your guests. Games can also help in cases where you want a fully enjoyed reception, yet there are religious or other reasons for limiting your dancing or music.

There are basically three types of games that work at a wedding reception. They are: Games for Everyone, The Joke is on the Bride and/or Groom and Outdoor Games (of course for an outdoor wedding).

Games for Everyone

Pass the Buck – Play musical dollar at each table. Whoever is left holding the $1, wins the centerpiece.

Switch the Shoes – The bride and groom may hold up a shoe or garment belonging to the opposite spouse in answer to a what-if question on how they will act in married life.

On the Spot Art – Each guest is given a paper and pen and asked to draw another random guest. This works best when they don’t know beforehand the guest being drawn.

Guess the Truth – Guests are asked multiple choice questions that have been previously asked of the bride and groom. A show of hands will see how many guests are on target.

On the Spot Poetry – Each guest is given a piece of paper and a pen. The paper has the start of a poem like “Sally and Mike met at the fair…” The guests complete the poem.

Games where the Joke is on the Bride and/or Groom

*If you are the bride or groom, let your best man or a bridesmaid read these

Give Back the Keys – (This only works if the bride and groom do not yet share a home) The bride and groom is each given a basket. Announce that “Anyone who still has her house keys must give them back.” Lots of guys get up and drop keys in her basket. Only one guy and the groom’s aunt return keys to the groom’s house.

Guess the Bride – Blindfold the groom and present him with 5 barefooted persons. He must guess which feet belong to the bride. Choose anyone but the bride to be among the 5 persons. In fact, this is really funny if they are all men.

Guess the Groom – Blindfold the bride and ask her to feel 5 men’s faces to guess which belongs to the groom. Choose anyone but the groom to be among the 5 persons.

Outdoor Games

What you play will depend on where the wedding is and how the guests are attired. A game like croquet is easy to set up in a park or large backyard and is possible in semi-formal clothing.

If the wedding is very casual, a park with large grassy area may be great for Volleyball or a huge circle of folks passing a Frisbee. And limbo – with the right music – is great almost anywhere, especially for a Caribbean or beach themed reception.

How Do Credit Card Companies Make Money?

Credit cards have gained much popularity in India over the last few years. Public sector banks as well as private banking institutions have come forward to launch a host of credit cards suiting customers with different types of needs. HDFC Credit Cards and SBI Card are the two companies with the largest market share. While banks are ready to offer you with a small loan in the form of credit cards, have you ever wondered how these banking institutions make money from these ventures?

The three main ways how card issuers make money is through the annual fee of the card, interest charged on late payment, penalties on skipping EMIs, etc. At the same time, they also earn from the businesses that accept these cards. Businesses are required to pay transaction fees to the banks which also makes up for significant earning of the card issuer banks.

But before we dig deeper into how they make money, let us first understand the term 'Credit Card Companies'. It is easy to get confused between credit card issuers and credit card networks. An issuer is the bank or financial institution from which you take the card. You are taking a loan from the card issuer and paying back to them. A credit card issuing company is usually a bank. On the other hand, credit card network refers to companies that process the transaction. Currently, there are three major networks in India- VISA, Master Card and RuPay. Apart from these, American Express and Discover cards can also be found.

So, when you make a transaction with your credit card, your money moves electronically from your bank through the network to the merchant's bank.

How do credit card companies make money?

As mentioned above, your bank makes money majorly from you and also from the merchants where you use the card issued by the bank to make the payment. Banks or financial institutions make money in the form of-

Fees

Banks charge different types of fees from their cardholders- some fees are to be paid by everyone whereas other types of fees are levied on condition. Let us talk about these fees and charges-

  • Annual Fees- You have to pay annual fees towards your credit card, especially when you are an elite cardholder and enjoy higher benefits than normal users. This is to be paid by all users. However, some banks may set a condition of spend based annual fee reversal scheme.
  • Cash Advance Fees- When you withdraw money from an ATM using your credit card, the bank charges a minimal fee for it which is normally correlated to the amount you withdrawal. This is also included in the card issuer's earnings.
  • Late Fees- Your card issuer charges fees from you if you delay your EMI payments. Banks make more money from late payers in the form of late fees.
  • Balance Transfer Fees- When you transfer outstanding balance from one card to another, the bank charges fees from you which again becomes its earnings.

Interest

The bank or financial institution has just gifted you a credit line. You have to pay the interest for the loan that is offered to you in the form of credit card. This interest cost adds to your expenses and is a method of earning for the banks. Interest on credit card is charged on daily basis for as long as the amount stands outstanding in your account. This is why experts always advise you to pay the total outstanding amount in full every month because interest will accrue on any amount that stands unpaid.

Let us understand this with the help of an example. Suppose the billing date is on 4th of every month and payment due date falls on 29th of every month. APR = 24%

  1. 10th March- Apparel Shopping- Rs. 5,000
  2. 13th March- Bill Payment- Rs. 2,000
  3. 19th March- Gadget Purchase (converted into 6 month EMI) – Rs. 12,000
  4. 22nd March- Dining Bill- Rs. 1,000

Now considering that the person does not have any outstanding amount from the previous bill, he will have to pay Rs. (5,000 + 1,000 + 2,000 +2000) = Rs. 10,000.

This will be the total amount due on 29th March. Now if the person chooses to pay only Rs. 6,000, the remaining Rs. 4,000 will accrue interest for each day until the amount is paid in full. Considering that the user again pays Rs. 2,000 on the 10th of April, let us see how interest cost works out-

Interest = (outstanding amount x 2 percent per month x 12 months) * (number of days) 365

In this case, the total interest charged would be Rs. 52.60 which is a total for Rs. 4,000 that lies outstanding for 11 days and Rs. 2,000 that lies outstanding for 18 days until the next payment. This is the reason why those who only pay minimum amount due tend to fall into debt soon sooner. Cardholders should also note that when an amount is outstanding in your statement, the new purchases that you make are not eligible for the interest free period. This is why interest charge is the easiest way how banks make money out of your credit card.

Interchange Fee from the Merchant

When you use your card at a merchant terminal, the merchant also pays a percentage of the amount to the bank as processing fees. This will also be added on to the bank's earnings. It usually ranges between 1 to 3 percent of the transaction value but may differ from merchant to merchant.

How to save yourself from paying too much to the bank?

Savvy customers plan their transactions and payments in a way that they have to pay the least amount to the bank. These are the habits you can adopt to cut your costs-

  • Pay your entire outstanding balance every month; just pay the minimum amount due is not a good practice.
  • Set alerts for your payment due dates to avoid missed payments which entail late fees.
  • Create an emergency fund to replace costlier options like cash advances from credit card.
  • Choose low annual fee or free credit cards and even if you select a card with high annual fee, make sure that the rewards are worth it.

Finding Discount Web Hosting

There are a large number of cheap web hosting service providers that are offering their services and you are required to select any one of them while you are creating your own web portal, offering everything from shared-hosting packages to superior end dedicated servers to starter. There are certain points that you are required to consider while you are looking for discount web hosting, some of them are as under.

1. The disk space offered; the content, images along with the web pages that you are considering uploading to your web portal requires space, it is just like the data which acquires disk space on your personal computer. Most of the web hosting companies offers you with a limited capacity, although you are not planning on storing or uploading huge files on your website.

2. Speed and Reliability; you need to make sure that the host company you are selecting is providing you with speedy services and is reliable too. All the web-hosting companies write 99.99% up time in their advertisements but you should be asking them for their reports. If your website happens to slow down then you will be resulting in frustrated and irritated visitors and it is certainly going to affect your website’s search engine rankings. Google is have billions of web portals with it and if yours is particularly slow then it is going to move on to the next one right away.

3. The bandwidth; when you happen to download things to your systems from the Web, it requires bandwidth. Same is the case when people are visiting your web portal and they are downloading stuff, it is going to strain your web hosting service providers. Therefore, if you need to get things transferred speedily or while you are refreshing your web pages then you are required to have a certain amount of bandwidth. It may be that the Discount Web Hosting service providers are offering you with additional resources like website templates, an auto responder, unlimited emails, and cgi bin.

The above-mentioned are some of the most considerable points while you are seeking for Discount Web Hosting service providers. You should be comparing the rates of different companies to figure out that which one is fulfilling your needs and requirements in a better way. As your web portal grows, you are required to make sure that you are getting a good deal and value out of the web hosting services.