Thursday, November 29, 2012

Why Refinancing Bad Credit Auto Loans is Right

Bad credit auto loans are more common then ever these days. Individuals that had a solid credit rating, due to tough times, have had no choice but to finance a vehicle and accept bad credit auto loan terms. But there is a way to lower your monthly interest rates.

When you initially are approved for any type of vehicle loan, one thing that the financial institution either forgets to mention or just doesn't want to mention is the option to refinance your car loan. Typically, if you pay your current car loan for at least 10 -12 months straight, without any missed or late payments, you qualify for a better rate, if you decide to refinance your car loan.

Normally, bad credit auto loans have an interest rate as high as 29.9%. Seems pretty high, but if you want to re-establish your credit and need a vehicle, you have to take what is dealt. Of course, nobody wants to pay high rates, but what if you only had to pay this rate for a year and then, after that initial year pay as low as 19%. Sounds a lot better, doesn't it.

You can save up to 10% by refinancing your current car loan after paying your high interest loan consistently for 1 year. But, there is a catch. You are going to have to part with your current vehicle and be placed in a newer vehicle. Why you ask? It is very simple. The lenders what to have better security for their borrowed money and what the buyer to have a better vehicle, so that they continue to make their payments. So by knowing this and if you are shopping for bad credit auto loans, then look for a vehicle that is going to be inexpensive, practical and typically not what you really want, but what will meet your needs for a year. Once that year is up, refinance the vehicle loan and pick up the vehicle you were initially looking to purchase with a lower interest rate.

By the time you have completed the refinanced used car auto loan, you should be able to go to the bank and get approved for a very low interest rate. It is that easy!

Thursday, November 22, 2012

What Exactly Is Factoring Panama?

Who provides this service?

Factoring Panama is a financial service generally completed by large banks or perhaps very liquid companies to supply funds to businesses or people who require immediate cash financing. This is achieved by purchasing Accounts Receivables or perhaps invoices at a discount coming from businesses or people who need instant cash. For example, December is really a time when individuals splurge in electronic items using credit cards. If you possessed a web-based store, you'd like to cater to everybody who would like to purchase a laptop by selling the invoice to a "factor" or perhaps a business or a financial institution that buys receivables.

Explanation with numbers

If you place a mark-up of 20% on all your goods, and the "factor" buys your invoices at 5% discount, technically, you will still be making 15% from your financial transaction. Not just that, you're able to get instant cash through the "factor", get rid of the responsibility of collection because the "factor" assumes all of the credit associated risk after buying my invoices, and you are able to accommodate more people who want to purchase laptops. This is the way Factoring Panama works. This particular financial service is not new since it has been around since the 80s and also this is really a way for cash-strapped companies to improve cash flow. Additionally, availing Factoring Panama doesn't mean you will have debt. Because you have sold your own invoices to a "factor", without recourse, signifies that the credit risk changes to the person who bought your invoices.

Clarification

Factoring Panama is often wrongly recognized as comparable to discounting invoices or accounts receivable, wherein they turn out to be collateral to funds that is lent to you by way of a financial intermediary. Factoring Panama differs since you do not have financial debt. However, as a merchant or perhaps business person, you need to investigate your clients' credit before selling them something because the "factor" will certainly decide to buy the bills according to your own clients' history of credit or rating if it is available. Good-paying clients' invoices will certainly be purchased by "factors".

In Summary

In doing business, always remember that cash is important. No matter how large the sales are typically certain time period, if you're not able to collect the funds immediately, then business won't grow as fast. Whenever much more merchandise is turned over and also clients are capable of paying faster, subsequently that is a good sign that your particular company is actually performing well. If your own capital revolves rapidly, it is always a good thing, but if it does not, there are financial services such as Factoring Panama just to save the difficulty of needing to wait patiently a long time for the capital to return. These services are readily available by the majority of Panama Bank.

Wednesday, November 21, 2012

Mafia Wars Lucky Stash Slot Machine

There is something new that needs to be added to every Mafia Wars Facebook guide. Whether you are brand new and wondering how to play Mafia Wars or you are an old pro, you will definitely want to take advantage of the new Lucky Stash Slot Machine that is being offered in the game at this time. This new feature is there to celebrate the Las Vegas event, since Las Vegas has recently gone live within the game. The great thing about this new slot machine is that there are great prizes to be won. This slot machine is a bit different than your Daily Chance tickets as well. You will find that the prizes get even bigger, depending on how many people are spinning the wheel.

Of course, you may be wondering how the Lucky Stash Slot Machine actually works, which is a great reason to consider checking out a Mafia Wars Facebook guide. Every single day you are given at least one free spin on the slot machine when you login to play. You may also see posts on your Facebook page from your friends. They are mini slot machines. Play them and you may win more free spins on the big slot machine. Of course, once you run out of free spins, you can always use your reward points to take a spin on the machine. You can choose to spin using one credit, two credits, or three credits. Of course, the amount that you can win is going to depend on the amount that you bet in the first place.

If you are wondering how to play Mafia Wars when it comes to this new Lucky Stash Slot Machine, you are probably wondering what that Bonus Meter is all about. As you play on the slot machine, at the top of the machine you will notice that there is a special bonus meter. Each time that you spin the wheel, you will see the meter moves a bit. After 20 spins, the entire meter is full and you are able to click the special yellow Bonus button.

Once you click the button for the bonus, a bonus wheel is going to pop up on your screen. You will notice that it says Loot and RP. The RP stands for Reward Points. This means that when you spin the wheel, you may land on special bonus loot or you may get some reward points as your special bonus.

There are several different loot items that you can win when you spin the wheel and get Loot. One item of loot is the Padded Suit with 45 Defense. Another is the Fugama Kameo with 46 Attack. A Few of the other loot items include Hyrotm Torso Guard, Poison Dart Frog, and the Trio Regency. The reward points that you get from the bonus can vary from 5, to 10, or even 20 reward points.

When you play on the Lucky Stash Slot Machine, if you win anything, usually you will be able to unlock a mini slot machine that you can post on your Facebook wall. This allows your friends to play the machine. As other people play on your own special slot machine, it can end up increasing the chance that you win more free spins on the big slot machine. When you see these on the walls of your friends, make sure you click on them and play to win more free spins for both of you.

If you are trying to find this slot machine, you will find that there is a special icon at the top of the Mafia Wars page. Simply click on the little slot machine icon and it will bring up a new window with the slot machine in it. Then have some fun playing on the machine. After all, you can win 1 reward point, 20, 80, 400, 5000, and even more depending on how the progressive pot goes. If you end up needing more information to use this machine or basic information on how to play Mafia Wars, consider finding a quality Mafia Wars Facebook guide to give you all the information that you need to succeed with this game.

Saturday, November 17, 2012

Frugal Party Favors to Save on Payday Cash Loans

If you're hosting a party, you need to keep in mind that aside from the food, venue, and invites, you also need to allot some budget for party favors. The giveaways are one of the things that guests look forward to. While it would mean additional costs to you, there are many ways for you to save up on your party giveaways. Or, if you need some financial help, you can always borrow money from quick cash loans. These loans may be applied for online. And what makes them ideal is that they can be released within 24 hours after you apply. So what party giveaways do we recommend? Here are some tips for you to remember:

Gift certificates. What makes GCs a great choice is that they will save you from the hassles of buying stuff and packing them in goodie bags. GCs won't cost you a lot. In fact, if you're hosting a kiddie party, your guests would already be very happy to receive a GC from McDonald's. Your is sure to make a lot of kids happy.

If you're expecting teenage guests to come over, you can give out GCs to their favorite book store or accessory shop. Teens love to accessorize and read. Your expenses per goodie bag won't go beyond .
T-shirts. Give out plain tees and encourage your guests to design and make a shirt before they leave the party. Everyone will be very happy to show off their personalized shirts. This is also an additional activity that your guests can look forward to.

Photos. First, you need to buy picture frames in bulk. Don't worry about the money. If you buy from thrift shops or dollar stores, you're guaranteed to save up a big amount. To make your giveaway more personal,, set-up a photo booth for the party. You can make a back drop and use your digital camera to take pictures of your guests. Print out the pictures, put them inside the frames, and give them to your every one.

Decorative plates. If you're hosting a wedding reception, giving out GCs and T-shirts would be quite inappropriate. Instead, you can give away decorative plates. Do not forget to stick a thank you note at the back.

Beaded accessories. These will make teenagers happy. Do the beadwork on your own if you want to save up a big chunk of money.

Can't think of party favors? Remember these tips and make your guests really happy. If you need some help, you can always borrow from fast cash today.

Friday, November 9, 2012

IBD or Wall Street Journal Subscription Choices - Uncover The Best Option

Basically, for first class financial data and timely investment assistance for testing the waters, you will find only two leading financial dailies to choose from, namely the Investors Business Daily (IBD) or a Wall Street Journal Subscription. So which can be the very best option?

Personally, the Wall Street Journal delivers much more facts. It truly is a considerably thicker paper, has far more staff writers and coverage for global reports, emerging technologies, breakthroughs in the scientific and professional medical communities as well as political coverage. Count on specialized insight that could affect your individual investments and enable to sculpt your sector attention.

Both papers are priced similarly and both have a web based subscription selection. Nevertheless using the Wall Street Journal, anyone will get the print and on the internet subscription for 80 percent off when buying on the internet. There's also the prospect of purchasing the print only or the over the internet only solution.

Looking at expense, the print and online costs .99 per week (for the 80% off bundle price) which translates to 4.48 for the year. The print only news version is .29 per week with the on the net version selling for .99 per week (annually that amounts to 3). For any choice, two free weeks are given.

Some of the notable columns and features include, "Heard on the Street," "Inside Track," "Long and Short," "Stock Watch," "Trading the Numbers" to identify several. One will get accurate coverage on options, stocks, bond rates and credit markets as well as futures and commodities. You will find stock screeners, mutual fund screeners, ETF investigation and screeners as well as drilling down into specific stock financial analysis and corporation studies plus way more.

The journal is sent to your home or dorm 5 days per week plus you get hold of the weekend edition that is delivered on Saturday to any address of one's choosing. You'll be updated on breaking reports that's regularly updated by the world's leading business publication.

The maximum discounted Investment Business Daily (IBD) subscription normally requires a 3-year contract and sells for 9.00. It has fewer features, charges a lot more and has countless fewer pages. Why settle for second best?

Wednesday, November 7, 2012

Plan The Work . . . Work The Plan

Introduction

Zig Ziglar:
You need a plan to build a house. To build a life, it is even more important to have a plan or goal.

When I came to real estate sales from the safety net of the public school system where life is routine and income guaranteed, I was in for a rude awakening. I knew I was going to be good in sales but I had no idea I'd have to learn how to plan and manage time. Oh, and then there was goal setting and attitude adjustment.

So when I speak with you about having a plan and working the plan, it comes from my real life experiences. The realization came that I had to learn to plan and manage my time or starve; It was sink or swim time. So I learned and became the top real estate producer for a major company in San Diego County.

Not to blow my own horn, I'm just saying you have to know where you're going to be successful.

Zig Ziglar says it well:
If you don't have daily objectives, you qualify as a dreamer.

What is the plan?

Planning is what determines success or failure. You either plan and manage your time or fail.
You must have a master business plan, a yearly plan, a monthly plan, a weekly plan and a daily plan.

The three keys to planning your work and working your plan are:
Time management
Attitude Adjustment
Goal setting and achievement.

The truth is that those who don't plan run in circles - Those who do plan reach their goals. Success and prosperity come to those who prepare and work for it.

Brian Tracy:
You must master your time rather than becoming a slave to the constant flow of events and demands on your time.

Start by finding a quiet place where you will be undisturbed for fifteen to sixty minutes. Sit down and write what it is you're trying to accomplish. Writing down, I want to make money. isn't definite enough. How much money? By when? What are you going to do to make that money? That's planning.

Who bothers with that stuff?

Just about everyone who leads a purposeful successful life:
The Housewife
The Mother
The Sales person
The Online entrepuerner
The Executive

When do you plan?

During the time you scheduled for planning time. Do it daily. Either morning or evening. Or morning and evening this is the best.

Donald Trump:
I'm a busy guy but I set aside quiet time every morning and every evening to keep my equilibrium centered on my own path.

If it's good enough for Donald Trump, it should be good enough for you.

Your plan should include activities to do:
1. Daily
2. Weekly
3. Monthly
4. Yearly

You can use a day timer, a week at a glance, or your computer is loaded with calendar and planning programs, the blackberry and numerous hand-held devices also include planning tools.

In the beginning do it the old-fashioned way. Sit down somewhere that is nice and quiet with a note pad and pencil. This is the best way to think and plan.

Once you've thought your plan through in rough form than use whatever tools you like to put it on paper.

Your plan must be written. Thoughts are simply wishes. A written plan becomes an achievable goal.

There are a zillion formats for business planning. Find one you like;one that is brief and to the point. Write your overall business plan and then narrow it down to the daily, weekly, monthly and yearly activities. Once you take the time to think it through and put it on paper, the rest is easy.

Summary

Once you have the plan, you must work the plan. In metaphysics it's called treat and move the feet.
Learn to include in your plan a time for daily Journaling and Meditation

Napoleon Hill:

When defeat comes, accept it as a signal that your plans are not sound, rebuild those plans, and set sail once more toward your coveted goal.

Plan your work and work your plan

Copyright Wee Dilts 2009