Monday, July 30, 2012

How To Deal With Alliance One Collection Agency And Their Harassments

One of the biggest collection agencies in United States formed in 1999 is Alliance One. Earlier it was formed by merging of five predecessor companies. From 1st August 2007, Alliance One Inc. has become the subsidiary of Teleperformance USA, Inc. Having more than dozen offices and call centers in United States Alliance One Collection Agency specializes in collecting the debt regarding health care.

Harassments made by the Debt Collectors
The debt collectors of Alliance One Collection Agency use telephone as a tool to harass people who owe the debts. If you ever search in the internet you will come across with lots of complaints that people faced from the rude and untrained employees of the collection agency. They usually call at your office hours when you are busy working and contact your friends and relatives to reach out to you. They will disturb you and may go beyond to violate the collection agency laws.

How to Stop the Harassments

You should be careful to make all the correspondences with Alliance One Collection Agency by letter and avoid telephone calls. Tell them not to call at your office and send them a letter. After Alliance One Collection Agency receives your notice they may let you know of further actions that they would take against you and they should stop harassing you.

Rights Under the Fair Debt Collection Practices Act

Debt collectors do not have the authority to harass you rather they must contact you for getting the repayment of debts. If the debt collector of Alliance One Collection Agency threatens you or use abusive language then you can sue them. If they have violated the laws of Fair Debt Collection Practices Act, you can report it to the Attorney General's office in your state and the Federal Trade Commission. You should be well aware of your rights under the above act before dealing with the collection agency.

When Alliance One Collection Agency is contacted by one of your creditors to collect the debt, a collection account is assigned to them. The debt collector starts reporting the account on your credit report. But if there is any dispute regarding any item on the credit report you can always raise a question before the credit bureaus. You should be careful to see whether the details of your account are correctly reported in the credit report and in case of any controversy you can raise the dispute.

Sunday, July 29, 2012

Oklahoma Bankruptcy Law - A General Overview of Oklahoma Bankruptcy Exemptions

This article applies to Oklahoma bankruptcy in a very general sense. This article is no substitute for discussing your situation with an Oklahoma bankruptcy attorney. Every situation is unique and many of the general rules have exceptions.

Individual Debtors Filing for Oklahoma Bankruptcy May Only Use Exemptions Provided by Oklahoma State Law

Individual debtors filing for bankruptcy can generally use the bankruptcy exemptions they may be entitled to under the laws of the state of their domicile, and under federal laws other than bankruptcy. 11 U.S.C. 522(b)(2). In a few states, individual debtors can also use exemptions set out in 522(d), but this is only allowed in states that have not enacted opt out legislation under 522(b)(1). Section 522(b)(1) allows states to preclude an individual debtor in that state from using 522(d). The majority of states have done this.

Oklahoma is one of the majority of states having enacted opt out legislation. Because of this, individual debtors filing for bankruptcy in Oklahoma are only allowed to use the exemptions found in Oklahoma state law and federal laws other than the Bankruptcy Code. Okla. Stat. tit. 31, 1(B).

Oklahoma Bankruptcy Exemptions

The following list is a very general overview of the Oklahoma bankruptcy exemptions which most often affect individual debtors. This list is not meant to be exhaustive and is no substitute for a consultation with an Oklahoma bankruptcy attorney. Citations are to the Oklahoma Statutes.

Homestead Exemption

* An individual may exempt a home, but only if the home is his or her personal residence. Title 31, 1(A)(1). This includes manufactured homes. Title 31, (1)(A)(2).

* When the homestead is located outside of any city or town, it is limited to a size of 160 acres. Title 31, 2(A). When the homestead is located within a city or town, the homestead may not exceed one (1) acre of land. Title 31, 2(C). If more than twenty-five percent (25%) of the total square foot area of the home and improvements is used for a business, the homestead exemption amount is capped at five thousand dollars (,000). Id.

* However, the homestead exemption will not apply when the debt is due for the purchase money of the homestead, or a portion of the purchase money; for taxes or a tax lien on the homestead; and for debts on work and material used in improvements to the property. Title 31, 5(1), (2), and (3).


* An individual may exempt all household and kitchen furniture provided it is held primarily for personal, family, educational, or household use by the individual or his or her dependents. Okla. Stat. tit. 31, 1(A)(3). This includes a personal computer and related equipment. Id.

Tools of the Trade and Professional Equipment

* An individual may exempt any tools, apparatus, or books used to conduct a trade or profession by either the individual or the debtor's dependent, but only up to an aggregate value of ,000. Title 31, (1)(A)(5).

Pictures and Books

* An individual may exempt all books, portraits, and pictures which the individual holds primarily for his or her personal use, for use by the individual's family, or use by the individual's dependent. Title 31, (1)(A)(6).


* An individual may exempt clothing for either the debtor's personal use, family use, or use by the debtor's dependent; but only up to an aggregate value of ,000. Title 31, 1(A)(7).

Wedding and Anniversary Rings

* An individual may exempt wedding and anniversary rings, but only up to ,000 in value total. Title 31, 1(A)(8).

Professionally Prescribed Health Aids

* An individual may exempt all professionally prescribed health aids, whether for the debtor or the debtor's dependent. Title 31, 1(A)(9). There is no value cap on this exemption, but the health aid must be proscribed by a health professional to qualify.

Motor Vehicle

* An individual may exempt his or her interest in one motor vehicle, up to ,500 in value. Title 31, 1(A)(13).


* An individual may exempt up to ,000 worth of firearms, provided the firearms are held primarily for personal, family or household use. Title 31, 1(A)(14). This means firearms held as collectibles, or for trade or sale, are not eligible for exemption.

Wages and Income

* An individual may exempt seventy-five percent (75%) of all current wages or earnings he or she receives for personal or professional services which have been earned for the ninety (90) day period preceding the bankruptcy filing (but not in garnishment proceedings for back child support). Title 31, 1(A)(18); and Title 12, 1171.1(B).

Alimony, Support, Maintenance, and Child Support

* An individual may exempt his or her right to receive alimony, spousal support, separate maintenance, or child support payments, but only to the extent reasonably necessary to support the individual or the debtor's dependent. Title 31, 1(A)(19).

ERISA Qualified Benefits

* An individual may exempt any interest in a retirement plan or arrangement which is deemed an ERISA (Employment Retirement Income Security Act) qualified plan by federal law. Title 31, 1(A)(20).

VA Disability Benefits

* An individual may exempt his or her Veteran's Affairs disability benefits. Title 31, 7. There is no value cap.

Assessment or Mutual Benefits

* An individual may exempt all monies or benefits received by Mutual Benefit Associations operating under Article 24 of Title 36 of the Oklahoma Statutes. Title 36, 2410.

Fraternal Benefit Society Benefits

* An individual may exempt all monies, benefits, charities, and relief or aid to be paid or rendered by a fraternal benefit society. Title 36, 2718.1.

Prepaid Funeral Benefits Placed in Trust

* An individual may exempt funeral benefits which were prepaid and placed in trust. Title 36, 6125.

Group Life Insurance Policy and Proceeds

* An individual may exempt a group life insurance policy, or the proceeds from a group life insurance policy. Title 36, 3632(A).

County Employee's Retirement Benefits

* An individual may exempt money due or to become due under a pension plan for county employees. Title 19, 959.

Firefighter, Police, and Law Enforcement Pension and Retirement Benefits

* An individual may exempt money due or to be paid under a firefighter pension plan. Title 11, 49-126(A). An individual may also exempt money due or to be paid under a police pension plan. Title 11, 50-124(A). This also applies to law enforcement pension plans in Oklahoma. Title 47, 2-303.3(A).

Teachers' Retirement Benefits

* An individual may exempt money due or to be paid under the teachers' retirement system. Title 70, 17-109(A).

Oklahoma Public Employees Retirement Benefits

* An individual may exempt money due or to be paid under the Oklahoma Public Employees Retirement System. Title 74, 923(A).

Social Security Benefits

* An individual may exempt social security benefits. Title 56, 173.

Oklahoma Unemployment Benefits

* An individual may exempt money due or to be paid as unemployment benefits under the Oklahoma Employment Security Act of 1980. Title 40, 2-303.

This is a partial list of the bankruptcy exemptions provided by Oklahoma. While this article attempts to provide a general overview of Oklahoma bankruptcy exemptions, this article is not intended to substitute for legal advice from a competent Oklahoma bankruptcy attorney. There are often exceptions to these general rules. Before making the final decision whether bankruptcy is the right choice, an individual debtor should consult with an

Saturday, July 28, 2012

Advance To The Smarter Technology With Samsung Galaxy S2

Being the latest technology smartphone with excellent features, Samsung Galaxy S2 has the technical specifications like dual core processor, 8mega pixel camera with high video resolution, 4.3 inches touch screen and many more advanced applications. The thinnest smartphone has a 2mega pixel front camera with Led flash which supports video calls. Samsung Galaxy S2 has the internal storage of 16GB and 32GB along with the micro SD card slot available. An exciting feature of this mobile phone is that it can provide HD video recording of 1080p with perfect picture quality. With NFC integration and running on user friendly Android platform with long lasting battery, Galaxy S2 is expected to have all the other high end applications which a recent latest technology smartphone could have.

With its stunning applications and exclusive deals, this smartphone is about to rock the UK market. Excellent connectivity options of Samsung Galaxy S2 give you faster web browsing and the user friendly Android OS allows multitasking in a much enjoyable way. Top UK network providers' offers cheap deals like pay monthly, pay as you go and simfree. These deals have excellent benefits like unlimited minutes and texts, free gifts and cash back to offer the consumers. Unlocking the phone can also be done to access the applications of other networks with the help of unlock codes, which you can get along with purchase of the smartphone. People are enthusiastic and are expecting the arrival of this smartphone because of its fantastic features.

With the launch of Samsung Galaxy S2, most people are about to change their mobile phones. The advanced applications of this smartphone will definitely make the people upgrade to this new technology. Rather than dumping your old mobile phones, you have an option to recycle it. A survey states that about 90 million phones are discarded every year in UK and these electronic wastes are often a hazard to environment. Recycling phones is made much easy with many convenient recycling schemes. When you upgrade to this smarter version of Galaxy S2, recycle your Samsung Galaxy S i9000 for cash.

Many recycling companies offer you enough prices for your old phones. It is better to sell than to keep it in your cup boards. Many websites offer mobile phone recycling online and you have to send your old phones by post. The companies check whether the phone is in working condition or not and pay you the cash. It is thus a simple and useful process to recycle your old mobile phones. Even if your old phones are not in good working condition, it is possible to sell the parts to manufacturers for a lower price. Compare for best price to recycle your Samsung Galaxy S i9000 in and find the best possible deal to sell your old Samsung phones.

Thursday, July 26, 2012

Nrg1 Plant Food

Many new plant nutrition products are being created to find research chemicals that will bring the growth demanded by today's gardeners. All gardeners know that feeding plants is essential for their health and energy and research plant food chemicals are starting to become increasingly popular these days.

NRG1 research plant feed is the newest thing in agricultural research and we are sure your plants will enjoy sampling this plant food! NRG-1 plant food, also known as energy-1, has been reported to be one of the strongest plantfoods available and already the internet is buzzing with excitement about its potential to help plants get all the nutrition they need.

The chemical name for NRG1 plant food is naphyrone. Top quality NRG-1 plantfood is available for sale from trusted where you can buy plant food securely and with confidence. We now have fresh stock of new product 'NRG-1 research plantfood'. Free shipping - All postage and packing is free, so check out our free delivery options

NRG-1 also known as Naphyrone, energy1, or rave is set to be the next big thing in plant food research for 2010.

Please bear in mind that NRG-1 research plant food is reported to be 5-10x stronger than some other plant feeds, so be sure to use sparingly and to hydrate your plants well if using NRG-1 on them.

Please note, all products for sale on this site are NOT FOR HUMAN CONSUMPTION, please ensure you read our terms and conditions before purchasing NRG-1 aka Naphyrone, rave, energy1 from our website.

We offer the finest selection of plantfood on our website and it is now possible to buy NRG-1 from our site using our secure online checkout. We accept via, credit/debit cards, bank transfer, cheque, alertpay and moneybookers. Please just contact us for alternate payment methods. offers the best service on the web and we are already one of the most visited and trusted websites on the internet to buy plant food. Our prices are constantly checked to ensure that they are the lowest on the web. Better yet, we offer free worldwide delivery which means you can be sure your order will arrive safely and without worry.

So why not drop by and order some NRG1 plant feed for your plants this summer!?

Happy gardening!!

A Poem About Inflation


Ah, the temptation
When one can print money
To print it and print it --
As much as one needs!

Ah, for one moment
The outlook is sunny:
Wealth is restored!
The project succeeds!

People are working,
Beginning to spend;
Credit is flowing,
The market is pleased;

Banks once again
Have money to lend;
One has a sense
That the moment was seized.

The problem is nothing
Can never be something:
Money just printed
Was not bought or sold.

There was no exchange
Of one thing for one thing:
Something produced,
Like laughter or gold.

And so we've increased
Our money without
Increasing the value
Of what it can buy.

The outcome must be
Without any doubt,
According to laws
Of demand and supply.

When there is more money
In relation to things,
Prices will rise
In response to demand.

Since just-printed wealth
No exchange for goods brings,
The goods stay the same
As the dollars expand.

Prices rise quickly,
Leaving us nothing
More than we had
When we first began.

And so we learn nothing
Can never be something
The hard way -- again --
As we sink in the sand.

Wednesday, July 25, 2012

Payday Loan or Tax Refund Loan: What's the Difference?

Taxes have a way of befuddling even the most financially savvy of individuals. When faced with a seemingly endless pile of W2s, I9s, and other tax forms, it is easy to lose track of how much of a refund one is really entitled to. Often times, people unwittingly cut their refund short while figuring out their taxes, while others overestimate the amount of the return. This can be potentially dangerous for individuals who anticipate a large return only to be faced with a portion of what they expected. This is particularly true for individuals who borrowed a tax refund loan only to find out that the refund isn't as much as they had hoped.

With any unexpected shift for the worst in finances, the risk of loan dependency increases. When faced with such circumstances, an individual may seek out a payday loan to cover unanticipated costs. However, using a payday advance to cover the costs of a tax refund loan is in essence compiling debt upon debt. This raises they questions: Should tax refund loans be avoided? Is a payday loan a better bet to begin with? In order to distinguish between these two types of loans and to determine when and if either should be used, it is important to define how each functions.

What is a tax refund loan?

A tax refund loan allows an individual to borrow against their anticipated tax return. While this seems like a relatively safe endeavor, it is actually more dangerous than it appears because individuals are offered a loan on their refund prior to IRS approval. Often, an individual will submit tax paperwork confident that his/her calculations are correct only to have the IRS discover a flaw in his/her math and/or a missed credit. While this can work in the favor of the person filing his/her taxes if the IRS discovers that the individual shorted him/herself, it can also have a negative outcome if the IRS finds that the individual owes more than he/she anticipated. Because a tax refund loan is based on a projected, but not absolute, refund amount, the borrower may end up owing more on the loan than the tax return can cover.

Because the loan amount is based on a projection, the lender can manipulate the tax forms to make it seem like an individual is getting a larger refund than they are actually entitled to. They do this in order to increase the loan amount and earn more interest. Yet, this shady practice can leave a borrower with a refund that simply isn't enough to cover the loan amount. As such, the borrower is left with debt.

In contrast, payday loans are granted based on a percentage of one's income. Because income is often more stable from week to week than yearly tax returns, payday loans can provide a more secure means to acquire quick cash. Payday loans lenders keep the loan amounts small, unlike tax refund loan lenders, so that the person can repay the loan on time and in full. However, these loans can be borrowed repeatedly, week after week, and can thereby turn into a large debt due to interest rates.

Thus, while payday loans are a better option that tax refund loans, they come with their own set of risks and should only be used when necessary and as intended. If treated responsibly and paid back quickly, they can be useful in sticky financial situations.

Monday, July 23, 2012

The Best Cash Advance Tips

A cash advance is one of the easiest and most convenient kinds of loans in the market today. It can be used for most anything and practically everyone can take a cash advance out. In spite of this ease and convenience, however, I have to say that a cash advance loan will only work out the way you want and need it to if you handle things properly. After all, a product is only as good as its user, right? Here are some of the best cash advance loan tips I have for you.

Make sure your records updated.
When I say records, I mean everything that will be pertinent to a cash advance loan application. You see, a cash advance loan will normally take you all of 24 hours to get processed. From the application to the loan release, you would not need more than 24 hours normally. But then, the processing time will still depend on your specific circumstances, like whether or not you have the requirements ready. While cash advance loan lenders do not really ask for much in terms of documents, there are still some papers that you would need to furnish a cash advance loan lender with. Having these ready and updated with you at all times will make the processing of your cash advance loan even faster. Some of the documents that you should always have handy include proper identification (those that include date of birth and citizenship), pay stubs, and other financial information.

Make sure you make your payments all of them.
While this is not exactly rocket science, some people make the mistakes of forgetting all about their cash advance loan once they have gotten their money. They think that since cash advance loan lenders are so nice and easy going anyway, there will not be much impact if they make late payments. Don't make this mistake. While cash advance loan lenders do not require a credit check, do you think they will willingly lend you money in the future if you have a record of defaulting on payments for their loans? I don't think so.

Remember that cash advance loans are meant for short term needs.
This loan and other similar loans are not meant to handle huge amounts of money over the long run. A cash advance loan is meant for emergency needs of relatively small value. The amount that you borrow should be payable within a month or so, and you should not keep borrowing one cash advance loan after the other if you need the money. Doing so just might make your financial situation more precarious. With that kind of problem, you might be better off looking at other solutions which are designed for long term needs.

As you can see, a cash advance loan is perfect for all sorts of short term needs. You have to determine, however, exactly how a cash advance loan can work for you in the best possible way. Keep an open mind and sensible head about you and you will be just fine!

A Look At Buy Here Pay Here Financing- What Is It Exactly?

If you are looking to purchase a motor vehicle then you should acquaint yourself with the Buy Here Pay Here (BHPH) concept. You want to be able to trust in the dealership that you work with because you want a car that is dependable for your transportation needs. You also want to find a financing plan that is affordable for you and works with your budget and not against it. A new used automobile may be in your future if you are able to find a company that can tailor a financing plan to suit you.

Buy here pay here may sound like a strange term but it is actually relatively easy to understand. It is a form of financing for automobiles whereby the loan is set up and arranged through the dealership, as well as all future payments. It is a type of one stop shopping that is simple and convenient for both the buyer as well as the dealer. The person who wishes to purchase a car does not have to go to their bank or credit union for a loan but can do everything they need to at the dealership.

When you decide to take advantage of the buy here pay here model you buy a motor vehicle through what is known as in-house financing. By so doing you make an arrangement to make weekly or bi-weekly payments through the dealer as opposed to making your payments on a monthly basis to a traditional lender. Some dealerships that work with the BHPH option allow their customers to pay via telephone or the internet while others deem it a requirement for the individual to come into their business and pay with cash or a check. In this way you buy at the dealership and also pay at it.

There is not a great deal of difference between the buy here pay here car business and a traditional company that sells automobiles. There are many traditional dealerships that sell new and used cars that are now offering this type of financing to their customers. You may not see the exact words in a sign in the window of the establishment but if you see signs that read "Financing Available" or "We Finance" then that is the same idea. If you do not see any signs whatsoever that mention financing then do not hesitate to ask.

The main difference between a traditional company that specializes in the selling of cars and one that offers BHPH is the shopping experience that awaits the customer. When you visit a traditional establishment a discussion of finances often comes at the end of the discussion with the sales person. First, the prospective buyer will look around; ask questions and maybe test drive a vehicle or two. Talk of money comes later. At a buy here pay here business the process will be reversed. The conversation starts with money and credit and then comes the opportunity to look at the selection of cars available.

10 Healthy Habits Of Wealthy Women

Many people have this misconception that those who are wealthy cannot have healthy habits. But it is not true. Often people feel that if you have money, you would have the habit of spending extravagantly and not saving even a single penny. However, it is not actually correct. One can stay wealthy and yet form this habit of saving which definitely a healthy habit. It is not necessary that if you have money, you have to keep spending it till the time your debt is out of control.
Here comes a book in between us, which takes us to the world of finances of women. Often it is believed that femininity and financial cannot happen at the same time; the reason being the old age problem of women of over spending.

If you too are women who are unsure of her finances or your debts are going out of control or you everyday wake up with the same thought of worry about your finances and you wonder when you will start saving, here is a resolve for all your problems. Today we have something really substantial that would help you and all the likeminded women who struggle with their finances but want to be wealthy and in their dreams they are wealthy also.

That is what Healthy Habit of Wealthy Women is all about. Written and created by Michelle Boudreau, yet another homemaker who successful and financially perfect when it comes to handling her accounts. Here she has given the ladies an insight into the lives of women who are successful in terms of social status, personal life and even in their financial life. So the book lets the reader to dive in to the width and depth of a lady's mind and with the personal experiences of Michelle in her seminars on financial success and coaching you would find it really easy to be in life by forming those ten healthy habits that wealthy women possess.

If you were wondering till now that we are talking about a finance book then you should give it a thought once again because this book deals in various aspects like how can a woman be financially savvy, how upsetting it is to live in constant fear of ways and means of managing money, what would happen if you become a millionaire some day, can your finances makes you even more attractive and definitely if you want to know all these facets of life, then the book is the best thing to happen to you.

Thus, this book will bring you the ways and means of developing sound relation with your own finances and thus to gain financial independence. All these aspects will bring on a new confidence within you which will enable you to look better, sound better and altogether will bring you every aspect of life you always wanted but could not manage to have. Soar towards a new life and create a financial security for yourself that would help you stand tall even in the strongest challenges in life.

Saturday, July 21, 2012

How To Avoid Bankruptcy In Today's Shattered Economy

Many consumers become overwhelmed by debt slowly but surely, and they reach a point where bankruptcy seems to be the only solution to the problem they are trying to solve. However, they should also realize that bankruptcy will have a devastating affect on their credit score, and with that in mind, they should look for other alternatives to solve their financial dilemma. If one of the alternatives listed below will save your credit rating, you will want to use it, although clearing up your debt will be slightly more expensive or take a bit longer to accomplish.

Selling some of your assets

Sell anything you can do without, no matter how attached you are to the item, and use the funds to help settle your debts. Do this at the first sign that you are struggling to make your monthly payments to have the desired effect. For example, you can sell your jewelry, furniture and electronic gadgets on Craigslist or eBay, or prepare for a yard sale. This may seem to be a radical step to take, but it is inconvenient rather than impossible, and you can boost your morale by remembering that the present situation is only temporary and that you have found a good way to avoid bankruptcy.

Increasing your income

If your budget really doesn't include many extras, you can increase your earnings by taking on a part-time job in addition to your regular work. You may even be able to do this by using your home compute, following a flexible schedule, and making good use of your hobbies and skills as you decide what to do.

Negotiating with your creditors

Obviously, your creditors would rather receive a partial payment from you rather than nothing at all. Because of this, you should let them know that you are dealing with financial problems and would like to avoid bankruptcy. Make it clear that you want to pay the debt, and see if they will make things less difficult by lowering the interest rate or reducing your monthly payment. Many financial institutions have introduced so-called hardship programs for situations like this, but you have to be proactive and ask. Before you initiate this kind of program, be sure that the requirements will make it possible for you to reach your goal in a reasonable amount of time.

Working with a consumer credit counselor

If you aren't satisfied with the results from contacting your creditors, try seeking the assistance of a professional. Contact a consumer credit counselor who is used to dealing with creditors in order to have your interest rate and monthly payment reduced. The payments required by your debt management plan may seem formidable, but they are also temporary, and your overall financial situation will be better than it was.

If you choose this alternative, your credit counselor will analyze your financial situation, including the number of accounts, balance due, minimum payments and past due accounts, if applicable, along with your monthly income and expenses. Based on this information, the counselor will develop a debt management plan you can follow. This plan will be forwarded to all of your creditors for their approval.

After your creditors have agreed to the proposed plan, you will start making payments to your credit counselor, who will be paying your creditors according to the plan you have accepted.

Reaching a settlement with debt collectors

This is something you would want to avoid under normal circumstances, but that is not the case when you are facing bankruptcy. Take care of this yourself instead of contacting a debt settlement company, which could turn out to be a waste of both time and money. Concentrate on those debts that have been sent to collection or charged off, and be prepared to pay once an agreement has been reached.

See if your family and friends can help

Generally speaking, borrowing money from friends and relatives is something to be avoided. Trying to do this can create problems for others and damage relationships, but facing bankruptcy is an emergency situation. Determine exactly what you need and how much you can contribute to avoid bankruptcy. Once you've done that, you can consider borrowing the balance from family and friends, but when you do, approach them with a plan showing how you expect to repay them after your financial situation has improved.

Filing Chapter 13

In order to take this step, you must be prepared to clear up your debts within a specified time period. This may be something you will want to consider if you fail to qualify for Chapter 7 or have an asset that you want to keep. In addition, if you go over your budget carefully, you may be able to save money by car-pooling to work, eliminating satellite or cable television, or taking similar steps. By taking the time to scrutinize your expenses, it will be relatively easy to determine which items are true necessities and those that are not.

How to Finance a Bucket Truck!

Purchasing a bucket truck with cash is something not many companies can afford, especially since the economy is still in a somewhat unstable condition. Even large businesses prefer to finance their fleet rather than exhausting a large portion of their capital for a single acquisition. Borrowing money is a great option for buyers who do not have the resources to buy the vehicle with cash.

So what are the steps that need to be taken to finance a bucket truck? Consider the following list of steps that will occur in the process:

Financing the Purchase

Generally, a lender such as a bank will loan money to the buyer for the purchase of the commercial vehicle so the buyer can procure the equipment with just a small down payment. The borrower will then repay the lender in regular monthly payments the money that has been borrowed, along with a set interest rate.

Unlike financing a house or a personal auto, it is uncomplicated to qualify for a loan on a commercial truck. It is usually easy to get approval from commercial vehicle lenders because this type of equipment is already in itself valuable collateral. The bucket truck is also a guaranteed income-generating piece of equipment, so there is minimal risk for the commercial lender.

Qualifying for a Loan

In order to qualify for a loan, the buyer must first have to find an appropriate commercial dealer who has the specific type of commercial truck needed. Some of these dealers already offer financing for the vehicles they sell, which makes financing even less of an inconvenience.

Decision Time New vs. Used

The next stop is to decide whether the purchase will be for a new or a used bucket truck. In the current economic climate, it is a wise idea to acquire a used bucket truck since it will have a lower price tag and will be less risky to finance. In addition, the value of a used vehicle will not depreciate as quickly as it does when purchasing a new vehicle.

When purchasing a used vehicle, always work with a reputable dealer. Used commercial vehicles are reconditioned before being sold. It is important to acquire a vehicle that will run for many years without a breakdown in order to get a good return on investment. For quality used bucket trucks, there are many excellent reconditioned vehicle dealers. Find one that specializes in reconditioned low mileage fleet trucks, if possible.

Credit Score

The company's credit score will play a large role when purchasing a used bucket truck. The credit score also greatly influences the interest rate of the loan. A buyer with a good credit score can apply for a loan at prime lenders to get the best interest rate available, while buyers with bad credit scores will have to shop around for sub-prime lenders that are borrower-friendly to get a reasonable interest rate. Remember that a credit score will be lower if it shows that several inquiries have been made by other lenders that do not cater to sub-prime borrowers and therefore have turned the buyer down for a loan.

Once a vehicle has been chosen, and a lender lined up to finance the purchase, the next step is to provide the required documents to apply for the loan such as proof of CDL, documents that prove income or income ability, proof of a good credit report and FICO score, and the required percentage down payment. Once all this has been supplied, and the loan application has been approved, the next step is to sign all of the documents and pick up that bucket truck. Then the real work can begin!

Friday, July 20, 2012

Buying Freightliner Parts

Owner-operators and independent diesel mechanics need to have first hand knowledge of where to obtain parts for any make and model of truck. Time is money on the road, and having to wait because you can't find parts can be very detrimental to one's income, as well as business reputation. In this article we'll take a look at how to find and buy parts for Freightliner trucks.

Develop a list of reliable parts resources to ensure that you will have the best chance of finding Freightliner parts when you need them. Start by gathering a list of dealers within the states that you normally run. If you run the same routes consistently, you can narrow your list down further by eliminating dealerships outside your routes. Use the "Freightliner Dealers by State" link in the Resource section of this article to start. You can also search for parts in Canada and Mexico, if you commonly travel into these two countries.

Use the Freightliner Strategic Supplier list (see Resource section for link) to research other vendors who carry Freightliner parts. This list of suppliers is approved by Freightliner, and their relationship with each supplier ensures that you can get the best prices and timely service that you need when searching for parts during a breakdown.

Conduct a search for Freightliner parts, using your favorite search engine, if you cannot locate vendors or dealerships that are located within your lanes of travel. This method is less reliable, as vendors not strategically aligned with Freightliner are under no obligation to uphold the manufacturer's policies with regards to pricing, service and timely shipment of parts.

Create a spreadsheet or basic text document on your computer to store your list of parts suppliers, if you have a PC or laptop that you use while you are in transit. If you don't have PC access, make a printed copy that you can store with your other reference materials in your truck.

Search for salvaged Freightliner parts by calling truck salvage yards in your area or by visiting websites such as Heavy Truck Parts, which provide a database of salvage yards where one can locate used Freightliner parts. Utilizing salvage yards is best for situations that do not require immediate attention, as it is a time consuming process. Save this option for times when your truck is off the road for normal maintenance and down time.

Use the services of truck stops that you frequent. Flying J, Love's and independent truck stops can provide you with information about local vendors and repair shops that can assist you in getting your Freightliner parts. Travel Centers of America, LLC (TA) are partnered with Daimler Trucks North America LLC, Freightliner's parent company, to provide parts and service for Freightliner and other makes. Even if you do your own repairs, having access to a TA center can help you get parts faster than having to order and wait for shipment.

Carry a sufficient cash or credit cushion with you to cover the expense of purchasing parts. For owner-operators, having a line of credit through a lender can help cover maintenance and repair costs. Setting up an emergency savings account is another way that you can make sure you have the money needed when you break down.

Car Title Loan: Finance Roof And Home Repairs With A Title Loan

Are you suffering with a leaky roof because you don't have the cash or the credit required to repair it? It can cost a homeowner from hundreds to thousands of dollars to repair and replace a roof or any other major structural defect. But if you have a clear car title, you don't have to suffer interminably. Secured debt instruments such as a title loans can give you the cash you need in times of emergency.

Car title loans are designed for subprime borrowers with a bad credit score. All you need is a clear pink slip and you can get a large sum of cash in a few hours. You can use the title as collateral to get a quick loan for emergency home and roof repairs.

If you have bad credit, you know how hard it is to find a lender who will give you a low-interest loan. For homeowners who need funds for emergency repairs, it can be a blessing because the loan is secured, so interest rates are less than for unsecured debt.

A leaky roof is an emergency for most homeowners. Most roofs require repairs over time and if not take care of, leaks can get worse leading to property damage worth thousands of dollars. Repairing a roof is a large expense for most homeowners and, unless you have a little cash set aside for a rainy day, that cost is going to take a large bite out of your family's budget.

If you're lucky and your roof requires only minor repairs, you won't need more than a few hundred dollars to repair the roof. The cost will depend on the size of your home, materials used, the contractor you hire, and the area you live in. It ranges anywhere from ,000 to ,000 depending on all these factors. If you use materials such as asphalt or shake, the costs can spiral to even ,000.

Roof repair financing options are available for most situations. You can choose the one best suited for your situation from those below:

* Ask your contractor to work out a payment plan. Although some contractors want their money upfront, most will want to keep a client and may be willing to offer you flexible payment terms for your roofing contract.

* Use your credit card. If you haven't maxed out your cards, you can use one of them to fund your roof repairs.

* Get a home equity loan. For homeowners with equity in their home, this may be a good option to finance roof repairs or maintenance.

* Get a personal or home improvement loan. If your credit score is still acceptable, you can approach conventional lenders and banks for funds without having to put up collateral and the interest rates you pay will be much lower.

* Apply for a car title loan. This option is suitable for those who have bad credit, but have auto equity and can therefore provide collateral in order to secure the debt. For borrowers with bad credit, a car title loan can help you get emergency repairs done. This will help you prevent further damage to your home and property without having to approach a bank or loan shark for cash.

As long as you have proof of ownership of your vehicle and possess the documents to show that it is paid off or nearly paid off, lenders will be happy to give you cash against your car title. However, as title loans are given to subprime borrowers, you must be prepared to pay a higher interest rate than with traditional lending sources.

You can borrow up to 50 percent of the car's wholesale value with these instruments. And if you strictly adhere to the terms of the agreement and make your payments on time, it will help you establish a positive payment record and boost your credit score.

Once you reestablish credit and have a good credit score, you can turn to conventional lenders for a loan with lower interest rates. Because subprime borrowers are vulnerable to disreputable lenders, you must be especially careful to read the terms of your title loan agreement carefully.

Beware of lenders who use aggressive selling tactics and make sure that you are not being charged exorbitant interest rates that will trap you further into debt ending up with your vehicle getting repossessed. Look for a lender that offers reasonable interest rates and allows convenient and flexible terms so you can avoid repossession.

Thursday, July 19, 2012

How Debt Settlement Programs And Chapter 13 Bankruptcy Differ

When the pressure of debt gets too much to handle effectively, there are solutions out there. The only real question is which to choose. The best options are constructive repayment agreements, and the two most common are debt settlement programs and a bankruptcy agreement under the terms of Chapter 13.

The two are quite similar in principle, with their core reasons being to facilitate the repayments of debts, either in full or in part. The result is to lift the burden of debt off the debtor. But which is the best option to choose? Is a Chapter 13 bankruptcy plan going to damage a credit reputation? Or is a settlement program the right way forward?

These are just some of the issues to consider, and while old bankruptcy options were taken advantage of, creditors are now better protected. Clearing debts effectively comes down to two key choices, both of which can see debts cleared with just 30% to 50% of the sum repaid, to so which is actually better?

Debt Settlement

There are some great advantages to adopting a debt settlement program to ease the financial burden, not least the fact that what is paid to clear the debt is lowered. But when compared to the alternative bankruptcy, there are some negatives. For example, settlement is more expensive, costing up to ,000 in service fees.

The greater expense comes down to the fact that debt settlement companies charge a fee based on the size of the debt involved, so a larger debt will mean a higher fee. Chapter 13 bankruptcy is a fixed rate. Also, the term of a settlement is usually 3-4 years, which means payments can be larger.

But perhaps the biggest negative is that the creditor is in control when it comes to negotiations. This is because the agreement is a voluntary agreement, so the debtor has every right to reject proposals. Sometimes clearing debts effectively means holding out for better terms, but the creditor car pull the plug at any time and seek legal action instead.

Chapter 13 Bankruptcy

When it comes to fees, bankruptcy is actually a lot less expensive than a debt settlement program. The reason is partly down to the fact that practically no negotiations are needed, just to have the necessary paperwork prepared and legal representation. So, expect costs of between ,500 and ,000.

The term of a Chapter 13 bankruptcy agreement has recently been extended to a maximum of 5 years, so the task of clearing debts constructively is greatly improved. Principally, the monthly repayments are lowered thanks to the longer term.

With a court taking on the case, neither party can act independently. So, creditors cannot take legal action once the Chapter 13 process has begun. For the most part, the plan leading to clearing debts effectively, and once the final ruling is made, it cannot be repealed.

The After Effects

But how does the eventual ruling actually affect the debtor? Through a debt settlement program, the creditor will get at least a share of the money owed to them. However, the credit record will state that the debt was paid through a settlement plan and the credit score will be lowered significantly. The good news is that credit worthiness can be regained after just 2 years.

With a Chapter 13 bankruptcy plan, the decision goes on the credit report and stays there for as long as 10 years, severely damaging the credit score. Also, when any bankruptcy ruling is made, the records are made available publicly, so people have access to relevant records. So, clearing debts effectively can have its price.

Wednesday, July 18, 2012

Would You Be Interested In Same Day Money Advance?

Doubt really is the major variable that rules human beings' life. Needs are boundless whilst sources are limited. It is really extremely hard if someone wants to satisfy all the desires with the scarce resources i.e. limited every month earnings and personal savings. In case you want immediate cash right now but, you get the same after some days, there would be simply no value of that money which could not serve you when you needed the same urgently. This uncertainty factor definitely has led to the roll-out of "Same day cash loan" by the United Kingdom loan providers.

Same day cash advance loan aims to satisfy the immediate cash requirements of the UK residents. Value of a product is measured by the time. In case you desire something right this moment and you obtain the same immediately, it would be valuable. Same actually is the instance with the money as well. Everybody needs financial help at some time or other. And if someone obtains it punctually and without any hassles all things appears to be in position and in order. It could work as a crucial resource in alleviating financial stress by providing you the monetary help.

Internet certainly has made it easy for the loan seekers to become financed easily and as well fast. It indeed has led vastly to the development of the financial markets. In the past, borrowers simply had to hinge on old fashioned loan providers like banking institutions. It required the extended loan application procedure and by the time you receive the money you really feel that you do not require it any further. Application for asking for money, even a pretty small amount would eat up several weeks. Debtors had been at the whim of the traditional loan companies. Though there is definitely one another option the money searchers used to depend on, namely buddies and family members. Nevertheless, on occasions it gets to be awkward that you are not able to fulfill cash demands on your own and must hinge on buddies.

Online loan companies now have come to the relief of virtually all those who have got worn out of the tension associated with borrowing funds from conventional loan providers or buddies. They now have offered the UK people independence from just about all the hassles which had existed while seeking loan from traditional loan companies. Online loan providers furnish the simplicity of trying to get the loan, any person can easily obtain the loan he or she needs instantly.

Online websites furnish 24 x 365 service, a borrower can submit an application for getting a same day money advance at any moment. You can sign up for the loan from your home or workplace by utilizing internet, therefore you don't have to move from one loan company to one another in order to satisfy cash requirements.

Small day cash advance loan can be had for small amount that is typically less than 00. The sum you desire to receive will be transferred straight into your personal bank account. The rate of interest on the same day cash advance loan is usually much high and varies from 9% - 20% annual percentage rate. The annual percentage rate is merely one another name for interest rate. The rate of interest is normally higher for the reason that the loan provider holds the potential risk of lending. Instant cash advance loan is usually offered for a short loan period which ranges from 15 to 30 days. The repayment of the loan can be in the form of the automatic debit of the loan amount from the borrower's checking account on the payment date or perhaps a cheque drawn in favor of the lender.

The perfect thing with regard to same day payday loan is the fact that it doesn't involve credit check. Hence one needn't get worried with respect to the credit rating, any individual either having a poor credit or perfect credit score will be able to secure the loan.

A client has to satisfy a few basic obligations to become eligible for the loan. The client should be have a job; she or he has to submit previous 90 days income statement and ought to have a personal checking account. Loan providers concentrate on the job standing of the client for making certain that there is bare minimum potential risk associated with lending money to the client.

A client has to fill out a small on-line form to gain access to the instant cash within 24 hours. The whole procedure of submitting an application for thepayday cash advance is rather simple and fast. Submit the application form and the loan companies would get back to you within few hours with the loan option which suits your necessities to the very best.

Financial turmoil can easily transpire to anyone. What one needs at that time will be immediate cash. Same day money advance can work as excellent solution to your urgent cash wants. One can now access the cash she / he requires with the same day cash advance loan and that also within a day but, ensure to use this loan amount cautiously because it carries a significant rate of interest.

Tuesday, July 17, 2012

Creative Ways To Get A Cheap Home Loan

Two primary ways to get a cheap home loan is to shop around for a lender and getting the most out of your equity. Even if you have bad credit or a lack of credit, you can still procure a cheap home loan as long as you have some equity in your home.

First, look around and do some research on the possible lenders that might be able to help you. Each lender will offer different interest rates. Shop around and gather the different possibilities then go online and see what some of the online lenders may offer. Offline lenders are often able to offer lower prices because they have little or no overhead. Many online lenders can provide a cheap home loan faster and more efficiently. After gathering quotes from lenders, you can compare them and determine which can provide you the best options.

Equity is an important way to maximize your cheap home loan. Equity is the amount of money that you have paid for your home against the amount that is still left to be paid. To get the most you deserve, make sure you do not ask for more than the equity you have built up in the home itself. If you ask for less than what you have in equity, a lender will be more inclined to provide you with a cheap loan because they do not have to worry about what would happen if you default. Asking for so much less than what you owe, will provide you with a better opportunity to get what you are looking for in a cheap home loan.

Secured cheap home loans are a very popular because they are very easy to secure even when someone has bad credit. Due to the low risk associated with this type of loan, lenders will still offer cheap rates and are not worried about repayment. One of the convenient ways that this type of loan works is that it can allow you to take a short-term loan instead of having to commit to a long and drawn out loan.

If you do take advantage of a cheap home loan, you need to be sure to pay attention to the fine print and make sure you do not miss a payment. Another advantage to taking out this type of loan is that you can help to rebuild your credit history at the same time. You can use the loan to help improve the value of your home, pay off medical bills, or even taking a holiday trip. The loan could be sued to take care of other bills. Consolidating some debt can also be accomplished with a cheap home loan.

Many organizations exist to help you get the best cheap home loan possible. With a little research and some homework, you should be able to find one that wants to provide you with a cheap home loan that will get you what you need out of the equity in your home and still be affordable.

Sunday, July 15, 2012

Learning How to Get Cash for My House

I have decided that I would like cash for my house. Instead of going about selling my house in the obvious way, using a realtor, spending a fortune on renovations, I will go to ., and get cash for my house. I own multiple properties, and do not spend any time at one of them, nor do I wish to rent it out. Instead, I would like to get cash for my house, and invest in other possibilities. This particular house is just sitting there, and there is no purpose in that. Since there is no purpose in that, there is no purpose in spending hour after hour, sitting with a realtor, going through prospective buyer after prospective buyer, before finding someone. It is a no brainer to do this the simple and obvious way: have Matt and Mitch Painter give me cash for my house. They love property just as it is, and are not bothered by what they see as flaws. An ugly house can be a beautiful house in their eyes, and I know my house is worth that cash up front.

cash for my house is the best way to go. It is right there, and tangible. How should I know, if throughout the process of working with a realtor, I will ever really see the funds? With Mitch and Matt Painter, I know that I will see the cash quickly, and that my house is in the best hands possible. I would recommend that everyone get cash for my house. Cash is real. You do not have to wait for any type of check, or any type of fishy compensation. Instead, the bills will be in your hand, and your property will be taken care of fast. Real property buyers know that all homeowners want is to see that their homes are being properly nurtured, and not judged based on wear and tear. cash for my house is a great way to show this, and I know I will not regret my decision. What Mitch and Matt Painter do is highly unique.

They see into what property owners struggle with, and attempt to address those needs with cash for my house. I have found, in my years as a property owner, that realtors will never feel the same types of emotions that they do when dealing with property. After all, these two brothers have been involved in property ownership for years. They know the name of the game. cash for my house will be gratifying, and will represent how much work I put into my home. Although I no longer need this particular property, it does not mean that I value it any less than my others. I would not want a realtor or outside person suggesting that I shift its integrity in order to please possible buyers. I will stick with Mitch and Matt Painter, and let them give me cash for my house. For more information on cash for my house, visit .

Thursday, July 12, 2012

Unsecured Loans

It is true that many people today fancy to live a risk free life devoid of any complication. They waver to put any of their valuable property at risk since they will obscure a huge loss if they do not pay back the entire money amount.

It is easy to borrow money against assets or collateral that we own, but in today's world, people are no longer enthusiastic to risk their homes when they take a loan. Hence, unsecured loans are brought into the portrait as it is the most practical option of availing any sort of backing.

The various features of unsecured loans are as follows:

They have no trouble of risk the property of the borrowers.

Hence, the lenders will certainly charge a high rate of interest so that the lenders do not experience at the end of the day. They need some promise against the cash amount.

The amount of cash which is granted ranges from 1000 to 25000.

The amount under any situation has to be repaid before the time span of 10 years but shouldn't fall below a year.

If you have a bad credit history or a superior one, it does not matter, since no credit checks choose whether you are a fit candidate to avail the loan sum.

There is a fixed rate of interest as well as a permanent period of time in which the loan has to be remunerated back. Once you have found out the best deal for you and chosen the loan that you yearning to take, you are able to spend the currency however you wish.

Since, these loans can supervise without the requirement of any collateral; lenders would want to build sure that the borrowers who opt for unsecured loans have the capability to repay the individual cash amount.

The eligibility criteria:

The candidate should be a proud citizen of UK.

He/she has to be above the age of 18 years since that is the legal age to avail a loan.

Having a valid bank account for the cash to be deposited is an obligation.

You have to be a permanent employee receiving a steady pay.

Personal Loans

Life is full of uncertainties. You never know what lurks in the next corner you take. And, therefore, we need to equip ourselves better with things that prove to be quite useful. Money is one such requirement and the solution to most of our problems. But it is not possible for us to carry ready cash and put it forth in a snap of fingers.

This is where personal loans come handy. Studies show that people in the UK prefer to take personal loans for every big or small requirement. People here apply for loans for various purposes, whether it is for emergency situations of grave importance like medical requirements, unemployment loans, or it is for something like home improvement or cosmetic surgery.

Personal loans are of two kinds: Secured and Unsecured. Secured loans, as is suggested in the name, require some sort of security from the borrower. Usually, lenders in the UK accept property such as land or house as security. This security is collateral against which the lender would lend the money. And it is this security which provides the lender a sense of security, an assurance that the borrower would pay back the loaned amount, else the collateral would be seized by the lender.

In case of unsecured loans, there is no requirement of any security as such. The lender does provide the money to the borrowers based on his financial history and his past dealings. However, the rate of interest is higher, and the terms and conditions more rigid in case of unsecured personal loans in comparison to secured loans. This difference arises due to the absence of security, which leads to lack of sense of assurance for the lender.

When you apply for personal loans, you can go for either secured loans or unsecured loans; however, you have to make sure that for secured loans, you need to have a property whose equity is worth the amount you wish to borrow. And in case of unsecured loans, you have to meet the requirements set by your lender.

Tuesday, July 10, 2012

Obama Making Home Affordable Wells Fargo Principal Reduction Plan To Help Homeowners

The President Obama Making Home Affordable Wells Fargo principal reduction plan was designed to help homeowners who are currently underwater in their mortgage or unemployed. If you call into either of these categories then there is a very good chance that the Making Home Affordable plan can help you to avoid foreclosure and stay in your home in 2010.

Luckily, the Home Affordable website is quite extensive and should give you all the information you need to save your home. If Americans take the time and effort to educate themselves on this issue it could go a long way towards helping their overall financial life. Fortunately, it seems as if President Obama is taking the necessary steps to help educate Americans by providing assistance to those who are underwater or unemployed.

Wells Fargo is considered one of the four big banks and they are working hard to make sure homeowners stay in their homes. If Wells Fargo mortgage holders are finding it difficult to make their payments then they may want to consider extensive research on the home loan modification program that President Obama has created to lower the overall foreclosure rate.

Wells Fargo principal reduction could be just what Americans need to take the next step to avoiding foreclosure. Education is a huge issue when it comes to foreclosure so these homeowners will need to do their research and find out what it takes to get their monthly mortgage payment lowered to a much more moderate level. Fortunately, the resources are available.

How To Locate A Superb Sales Job During The Recession

Obtaining a great sales job opportunity with the massive "cause and effect" practice going on today is getting very difficult.

Prospective buyers are not ordering because they are concerned about losing their employment, losing their home, having their pension fund lessened by a stock market crash and consequently, people who are concerned about a possible coming disaster keep their cash.

Companies are focusing hard on the net income to make sure that they're still vital when the recession ends. One of the things that's being watched carefully is the cost of sales.

The times of huge expense accounts and credit card debt wining and dining potential customers are more or less finished. Flying from coast to coast and running up hotel and car rental bills will be replaced by telephone conferencing and online video conferencing.

A different casualty associated with the recession has been the size of the sales force. Organizations are implementing something like the fast food sector has always used as a yardstick; labor cost as a percentage of gross sales. As product sales drop, individuals are told to go home to keep the profit margin up. Quite a few sales organizations are laying sales people off for the same reason. Assuming you have a considerable decline in sales, you'll need less sales staff.

If you're a downsized sales person, you are experiencing something not seen in a long time; applying for outside sales positions and not getting chosen. The old times of growing sales by expanding the sales staff are gone, and might never return.

One strategy that can be successful in making some very decent cash is to downsize your thinking. Several years ago, only the unskilled and inept salesmen took commission-only sales rep jobs. If you were a sales producer, you would expect a salary plus commission package, overall performance bonuses, a company bank card and maybe even a company automobile. Those jobs still exist, however they are only for top producers.

There's two things you should really look for in a commission-only sales situation before you decide to cross it off your list:

1.) Is it a fair commission? A 10% commission is far too little. a 20% to 25% commission is much more reasonable.

2.) Is it a one-time commission, or a recurring commission plan? If a one time commission and the commission percentage is not over 35%, you may well be in a position requiring you to generate high volume sales just to survive. Regretably, it's no longer you that determines whether to make high volume sales or not. It's really a buyers market all over this country, and there's not a lot of prospective buyers in many, many markets.

However, if it's a 20% to 25% commission with a continuing income component, have a closer look prior to rejecting it. There are two key reasons to think about this type of commission plan:

1.) By the end of the year, you will get a great deal more cash with the same sales volume.

2.) When you have a bad month, it is not the end of the world. Your residual commission still gets paid out.

Remember, the commission-only sales jobs market is not a survival strategy for jobless sales agents. The business is still trying to sell and still depends on experienced sales staff to get the job done.

If you have always aspired to be a sales person, but have no experience, or you are not a really productive salesman, do yourself as well as the company a favor. Do not apply for the sales rep job. This is a strategy for the skilled sales person only.

It can be a very challenging and depressing process for an unemployed sales professional to find a position doing the work they love. Sorry to say, many overlook possibilities because they reject commission-only sales jobs out of hand, without digging into the whole comp plan.

Being Alert While Getting Equity Loans Agreements

Equity loans are quite easy to understand, contrary to popular belief. Basically, equity refers to the percentage of ownership a person has on a given property, whether it be a home or business office. There are numerous factors which affect equity and how much a person may own property. People have the option to fully or partially take advantage of ownership over a period of time or all at once.

Before diving into any type of loan, individuals should thoroughly research the matter. This is because many people who take out loans are not aware of the seriousness of returning them or their own financial limits. When signing contracts, whether with banks or private contractors, persons should read and discuss them properly.

Also, individuals should browse more than one dealer and settle on a loan that offers the lowest rates when it comes to interest. There are also many types of deals and payback credits offered by various companies and banks. Most people are not aware of this and therefore, lose out on many hidden rewards.

As for factors that have an effect on equity amounts, credit score is one of them. This is another reason why individuals should work diligently to keep a healthy credit score. Lenders will flatly refuse any service to those whose credit history is weak. Various lenders have varying limits on minimum credit score, so people should get things cleared up from the start.

Another major factor is the income and debt ratio. This makes sense because one will not be allowed to take out loans if the income is not sufficient to pay it back. In this category, all monthly payments will be checked such as credit card bills, income bank statements and car payments.

During the research process, a person should figure out how much one may borrow realistically. This means that one needs to know his or her own limits and find a percentage rate that is best suitable. There is an array of equity packages in the market and most go up to 70 to 90 percent of a house value.

Interest rates are also a must to be carefully watched with a keen eye. These continue to go up and down. There are many ways to keep track of this fluctuating. For instance, one may use the internet and check various professional and authentic websites without leaving the house. Furthermore, telephone calls can be made to banks and various lenders or even personal meetings and consultations are accessible.

When the time comes for finalizing equity loans, one needs to have all necessary paperwork with him or her. This includes tax returns, bank statements, photo ID, proof of address and proof of income. These steps are necessary to prevent frauds. Frauds do take place when important information such as social security numbers or bank statements is stolen. In addition, careless mistakes take place on the part of lenders and banking professionals such as not checking for ID. The safest way to ensure protection is to be highly alert and aware of such dilemmas.

The Home equity loans Calgary provided by our Mortgage broker in Edmonton and Calgary are funded by our network of over 100 private lender accounts, they are based only on equity. No credit checks, no income verification, no employment verification, no income verification, no formal appraisals (in most cases).

Our company is a locally owned and operated company that has been helping Albertans access equity in their homes, or other real estate, since 1993.

Saturday, July 7, 2012

Home Equity Loans: How To Ensure Qualification

When it comes to turning assets into cash, there are numerous methods that financial advisors will point to. But these can be complicated at times, leaving us bamboozled and confused. But when turning the value of your home into hard cash, the process is relatively easy. It comes down to a home equity loan from your lender.
Of course, there are risks involved and facets that need to be paid careful attention to. Simply getting loan approval is only part of the task; being able to repay them over a long period of time is the trick.

This is the core point that lenders look at, and as long as method and affordability are confirmed, then approval of home equity loans despite bad credit is practically assured.

Reliable Income

No prizes for guessing that having a reliable income is one of the most important factors in getting a home equity loan, as well as any other loan. The equity available from any particular property is not enough to sway a decision in favor of the applicant. After all, the loan must be repaid month-by-month.

The best way to prove a reliable income is to provide statements from an employer confirming a full-time contract, while a history of bank deposits can also be useful. But remember that providing proof of a reliable income is only half the battle when getting loan approval.

The amount of available income is arguably just as important as having a reliable source. The typical monthly obligations, like utility bills, credit card debts and existing loan repayments affect the amount of money free to commit to repaying a new loan. A home equity loan, despite bad credit, is possible but difficult if existing commitments are high.

Loan to Value Ratio

This is one of the most important calculations when buying a home, and is used when assessing the size of a home equity loan. It comes down to the percentage of the overall market value of the home compared to the amount of debt that is still tied to it. Often, when buying a home, a lender states that 80% of the LVR is available as a mortgage, leaving 20% to secure by other means - usually as a down payment.

Getting loan approval is not particularly difficult when equity is provided as security, but it is important to assess just how much is available to use as collateral. For example, a home bought with a mortgage of 0,000 may have increased in value to 0,000 over 10 years. Mortgage repayments may mean that debt owed is now ,000, with ,000 freed up.

What this means is that the overall equity available on the home is ,000, though an LVR of 20% may place a limit of ,000 (20% of 0,000). This is a significant amount of security to possess, which is why getting home equity loans despite bad credit is so straightforward.

A Good Credit Score

The importance of having a good credit score is not quite as significant as many people believe. A high score will always be welcomed by lenders, but even a low credit score will not stop an applicant getting a home equity loan. However, it does have an influence.

A low score will mean a higher interest rate will be charged, and this pushes the monthly repayments higher. This can mean that the deal becomes unaffordable, which depends in turn on the amount of available income there is. So getting loan approval can be harder.

For this reason, it is worth taking a look at your credit report and examining how best to improve the credit score. It is certainly possible to get approval on home equity loans despite bad credit, but there are complications.

Wednesday, July 4, 2012

Ranch Entrance Gates - Replicate The Distinctness Of A Movie Ranch With The Custom Metal Gates

We often see ranch entrance gates in big movie ranches by Hollywood studios. Sometimes, the entry way fences of the compounds of these movie studios have elaborated designed gates with the studio name overhead. Foremost, ranch entrance gates are needed for the purpose of security during production shooting from the public eye. Most often, the gates themselves present the distinct personality of the studio itself.

Movie ranch by production studios became popular when out of town film shooting of Wild West movies created a travel problem. Most often, travel expense became enormous since production staff needs to travel to far places like Nevada, Arizona, or some parts of California. The location shooting became a problem, hence, studio producers invested in existing tracts of ranch land near Hollywood. Studio ranch is most common for film studios that present landscapes and movie sets with back lots, town replicas and large scale set features like a small church, mercantile, saloon and bank. These examples are only a few of the great ideas for ranch gate entrances.

If you do have a chance to visit some of the famous movie ranch, you will notice that the entry gates have a very detailed design. Consider the fact that these studios when shooting films, invites public viewing that can cause enormous traffic. The construction of ranch gate entrances are just as needed.

The different metal artwork incorporated into the ranch entrance gates of this studio ranch has a great impact in terms of interest and curiosity on the public. Often times, many estate homes have depicted the embellished features of these movie ranch that such features now became in demand in real property markets. Many buyers of estate now consider the meticulous handwork of the ranch entrance gates. Some buyers look at the design, quality and structure of the ranch entrance gates of the houses they are about to buy. They look at this entry way fixtures in the same way they admire the entry fence in movie ranches.

A lot of people admire the magnificent engraving of the studio name in the arch overhead the ranch entrance gates. They now ultimately request fence companies to construct their farm or ranch sign with their name conspicuously on top the same way as these movie studios. This can be done with some arrangements in the production of the metal artwork by the artists of ranch gate manufacturers.

You can easily adapt the grand displays of ranch entrance gates of these film studio ranches. The uptown and tinsel look of your entry way structure can readily give your homestead a distinct unique feel that would very much appeal to your visitors and guests.


Real estate moguls like to impress people with inane demonstrations and descriptors. They'll gush about the state-of-the-art kitchens (aren't they all at this price point?) and request that you peer appreciatively at a scale model (when you've seen one plastic broccoli-floret-sized tree, you've seen them all). But it takes a very special developer to woo with chocolate chip Mickey Mouse pancakes with maraschino cherries for eyes and a pineapple spear for a smile.

I hope you're not diabetic, says Basri Emini, CEO of Emini Equities, shaking icing powder over Mickey.

Brawny, with thick dark hair, Basri Emini is standing over a hot grill at Ayia, his stylish condominium development in Punta Mita, Mexico, just north of Puerto Vallarta on the Pacific Coast. His kitchen helper, a Dutchman, hands me a mimosa, while faint Arabic music tinkles in the background.

Basri Emini, who is from Chicago and sounds like another Chicagoan, John Cusack; I'm hay-pea here, says Basri Emini in a fit of glee after moving here in 2006 after being drawn by its beauty. I love Puerto Vallarta because it's a real city. It has Spanish architecture and cobblestone streets. It's lively and the people are just amazing.

Indeed, there is a lot to see on the 40-minute drive from Puerto Vallarta International Airport. From the inside of a moving taxicab, the view is akin to the looping backdrop of a Hanna-Barbera cartoon. Peppered with seemingly endless palm trees under a hot sun the average temperature is 80 F there are the quintessentially Mexican food stands, and good people-watching. Hello, guy wielding tangle of birdcages with budgies! But it gets very still when we reach the gated community of Punta Mita, a stunning peninsula with azure water and colourful vegetation.

That's precisely its charm, says Mr. Emini of the 1,500-acre low-density resort community surrounded on three sides by dramatic coves thanks to Banderas Bay (Mexico's largest natural bay and second largest in the world), the Pacific Ocean and Litigu Bay. It is isolated and quiet but that's the beauty. A lot of the people here already live hectic lives. These are their second and third homes. I always tell them to go to Vallarta or Sayulita [a swinging surf town eight miles away] if they want the scene.

Once a remote fishing village, Punta Mita was developed in 1999 by Dine (pronounced dee-nay), one of Mexico's largest real estate players. So far, Dine has invested more than US0-million in its infrastructure, and at full build-out Punta Mita is expected to have a real estate value of some US-billion.

And what's a resort without luxury hotels? There are two, the Four Seasons and the St. Regis, and home buyers are permitted to traipse over to them, should they fancy a seaweed wrap in the spa, say, or a meal at one of the restaurants with beautiful vantage points and ambiance cue foamy waves, salt-licked air and orange-creamsicle sunsets.

The land mass and the security is what's great here, says Gary Pepin, the vice-president of sales at Punta Mita. Secondly, every person that owns property in Punta Mita belongs to the club. He then launches into the club's extensive amenities the two Jack Nicklaus golf courses, 11 tennis courts (cradled in palm groves) and a newfangled fitness complex. Eventually, there will also be equestrian facilities.

The club has a ,000 membership fee, which is totally refundable upon resale. In the world of golf, to belong to a club with so many amenities, one that is totally refundable without a transfer fee, ,000 is ridiculously low, says Mr. Pepin.

As for digs, there's a variety of lavish sites to choose from, whether you prefer a condo, villa or a private home. Basri Emini's Ayia condos, for instance, which have all been built, are priced from US0,000 to US.19-million (though there's one on the market now for US0,000) with large terraces, an infinity pool and a furnishing package.

I'm also told that average prices for Punta Mita's oceanfront homes are 30% to 35% less than similar luxury homes in high-end master-planned communities in Hawaii, Los Cabos, The Bahamas and Costa Rica.

You can go for the traditional Mexican-style villas with terracotta tile roofs and palapas (an open structure with a thatched roof), like those at the El Encanto site (see sidebar). Or choose a slick condo that emulates what you'd find in Toronto.

The difference, of course, is that no matter how appealing Toronto's condos are in terms of architecture or interior finishes, they cannot offer a cerulean blue ocean at your doorstep, year-round sunshine, nor majestic palm trees (with apologies to our squirrel-stuffed oaks and maples).

Punta Mita also has nine-and-a-half miles of sandy white beaches and offers chance encounters with exotic wildlife (a bird straight out of National Geographic popped in for a visit while I bobbed in an infinity pool). Punta Mita also shares the same latitude as the Hawaiian Islands. That means wearing short shorts year-round is an option.

For snowbirds just heading into winter, that's one hot selling feature.

Iris Benaroia was a guest of Punta Mita.

Monday, July 2, 2012

Intention To Evade Payment Of Service Tax

1. Section 68 of the Finance Act, 1994 provides that the every person providing taxable service to any person shall pay service tax at the rate specified in section 66 of the Act in such manner and within such period as may be prescribed. Thus, section 68 fixes the responsibility for the payment of service tax by the service provider. Section 69 of the Act requires the service provider to be registered with the Central Excise Department. Section 70 of the Act imposes an obligation on the service provider to file returns periodically as prescribed. Section 73 of the Act empowers the Central Excise Officers to issue show-cause notice in case of recovery of service tax not levied or paid or short-levied or short-paid or erroneously refunded. Thus, the Finance Act, 1997 has taken every step to protect the interest of the exchequer for the proper payment of service tax by the service providers.

2. Hereinbelow two case laws have been discussed in which the service providers defended the case and proved their cases. The said case laws are as follows :

1-S.R. Agency v. CCE [2008] 16 STT 260 (CESTAT - Chennai)

2-Om Sai Professional Detective & Security Services (P.) Ltd. v. CCE [2008] 16 STT 336 (CESTAT - Bang.)

In S.R. Agency's case (supra), the appellants had rendered clearing and forwarding agent's service' to their clients, viz., ACC Ltd. during 2002 and 2003 but had not paid service tax. After investigation, the department issued a show-cause notice dated 29-3-2004 demanding service tax of Rs. 6,68,833 from them under section 73(1)(a) of the Finance Act, 1994 and proposing penalties on them under sections 75A, 76, 77 and 78 of the Finance Act, 1994. The notice also proposed to appropriate towards the above said demand against the amount of Rs. 5,86,084 already paid by the party. The allegation in the show-cause notice was regarding the contravention of the provisions of the Finance Act, 1994 and rules made thereunder with the intent to evade payment of service tax.

The original authority confirmed the demand and appropriated the amount already paid by the party towards the demand. Further, it imposed penalties of Rs. 500, Rs. 100 per day, Rs. 1,000 and Rs. 6,68,833 under sections 75A, 76, 77 and 78, respectively.

The assessee filed an appeal before the Commissioner (Appeals) after paying the balance amount of service tax. The contest before the authority was against the penalties only. The Commissioner (Appeals) reduced section 78 penalty to Rs. 80,000 and maintained the rest of the penalties. Still aggrieved, the party was before the Tribunal.

The appellant contended the following :

1-The allegations contained in the show-cause notice were upheld by lower authorities without any justification.

2-There was not even allegation of fraud, collusion, wilful mis-statement or suppression of facts in the show-cause notice.

3-None of the ingredients specified under section 78 for the penalty were established in the case.

4-Section 75A was omitted on September 10, 2004 well before order-in-original was passed by the Commissioner.

5-Referring to a letter dated January 31, 2004 ACC Ltd., addressed to S.R. Agencies, Madurai, the appellants had duly acted upon their client's advice given in the letter and paid-up the entire amount of the tax. The client had expressly offered reimbursement of the tax and, therefore, there was no intention to evade payment to the Government.

6-The department's allegation that the appellants had contravened legal provisions by committing default of payment of service tax with intent to evade the liability was unfounded.

The Tribunal held that it had found a valid point in the submissions made by the appellants with reference to the letter dated January 31, 2004 of the appellants' client, viz., ACC Ltd. This letter manifested the concern of ACC Ltd. (Service recipient) over the non-payment of service tax by the appellants. This letter urged them that an amount of Rs. 5,86,804 be paid towards service tax on or before January 28, 2004 and a copy of the relevant challan be forwarded for reimbursement. The hope of reimbursement directly emanated from this letter for the appellants to entertain a bona fide belief that whatever service tax might be paid by them would be reimbursed by the client. Therefore, the Tribunal held that there was no justification for the authority to have found that the appellants had any intention to evade payment of service tax. The penalty imposed under section 78 stood vacated while the other penalties remained.

In Om Sai Professional Detective & Security Services (P.) Ltd.'s case (supra), the appellant filed an appeal against the order passed by the Commissioner of Central Excise, Guntur confirming service tax by invoking larger period on the assessee and on the allegation of suppression of facts with intention to evade the payment of service tax. The appellant contended the following before the Tribunal :

There was no suppression of facts.

1-The show-cause notice was issued on 17-2-2006 for the services rendered from April 1, 1999 to March 31, 2003.

2-They had assessed service tax and paid the same from January 2005 onwards.

3-They were under a bona fide belief that the method of assessment followed by them was correct.

4-The balance sheets and income-tax returns had reflected the correct incomes which were not in dispute.

5-There was no intention to evade payment of tax as there were no ingredients of fraud, collusion or wilful mis-statement or suppression of facts or contravention of rules with intent to evade tax on their part.

6-The Commissioner (Appeals), in similar proceedings initiated against them by the department, had accepted the plea in Order-in-Appeal 09/2007(G) ST, dated December 3, 2007 in which he noted-

The department contended that merely information being provided to the department was not sufficient to absolve the assessee from the liability. It ought to have paid the service tax earlier. Therefore, the suppression of facts by the assessee could be alleged against him to confirm the demand.

The Tribunal held that the appellant had assessed the service tax on their own and voluntarily paid the same from January, 2005 onwards. The department was aware that the assessee was voluntarily paying service tax. The assessee did not have any intention to evade payment of tax as it followed the procedure laid down in the income-tax returns. This plea had been accepted by the Commissioner. The demand was time barred and impugned order was set aside.